To ask what is the point of Apple Pay

[Hingeandbracket]

Apple Pay charges the card registered to it, right? So what is the advantage over just using the card? What am I not seeing here?

use cash to track what I'm spending

being able to call up the list of transactions any time on my bank app much is much more reliable than accounting for where any cash has gone.

Genius.

I haven't carried a bag or purse since lockdown. I don't have an iPhone so I keep my contactless card in my phone case. It is very liberating to be unencumbered by bags and purses.

What I need now is summer clothes with pockets big enough for a phone.

I have hardly ever used cash this year, and not at all since March as nowhere takes cash.

I pretty much exclusively use it. I don’t remember the last time I used cash - not for months. It’s much easier, as I’m more likely to have my phone at hand than my purse plus there’s no limit.

Is the no limit a recent thing?

I was in Tesco recently when a woman was told by the cashier that she couldn’t pay for her shopping with Apple Pay because her shopping came to over £30.

I suggested she do two transactions much to the chagrin of both.

Apple Pay instantly shows transactions in the wallet app too, instead of having to wait for them to show in pending/completed through certain banking apps.

I don’t think I’ve ever really used cash. I’m in my early 20s and every source of income has been directly sent to my bank account so I’d have to go out of my way to use cash. I grew up with parents bank transferring money, my first job at 16 (and every job since) paid via bacs, student loan etc. Genuinely the only reason I can think of using cash is for drugs as everywhere legit around me accepts device/card payments.

Cadent
There's no limit in shops that have their terminals set up to accept mobile payments, and use fingerprint or facial recognition to authenticate the transaction. The normal contactless limit applies if the shop's terminal has not been updated, and still processes Apple Pay transactions as if it were a contactless card.

I have been caught out at Lidl and Home Bargains though when I didn't have a £1 coin for the trolley. I now keep some spare £1 in the car.

It's better. I use my watch to pay for things

I use my apple watch to pay for things all the time. It's rare I carry any cards around with me any more.

Thanks MongerTruffle

@Abbccc

I just put some coins in my pocket before I leave the house,,then in the shop I put my hand in my pocket, pick up the coins and give them to the person at the till. Really easy.

Some sweaty minger has had those coins in their pocket before you jiggling against their ball sack.

Eeeewww...

Can confirm that I was in Tesco in February, without my card and went over the £30 limit without thinking about it. Had to do two separate transactions. I think they’ve upped it to £45 now?

Aldi has no limit- much to my relief when I bought a few middle aisle bits and had nearly £100 last week, including my weekly shop!

@Hingeandbracket

Apple Pay charges the card registered to it, right? So what is the advantage over just using the card? What am I not seeing here?

Have you been paid by Apple to start this thread so everyone can say how marvellous it is

It's obvious that the advantage is that you don't need to carry cards around, I have no apple products at all and even I know that.

Eight before lockdown we were advising customers to use contactless instead of cash as it was more hygienic, also I don't miss having people fishing money out of their bras and handing it straight to me warm and crumpled. Also hot coins that someone's had in their hands/against their thigh is always jarring.

Using my Apple Watch to pay in store has been a godsend whilst wearing a mask and having a phone with facial unlocking.

Don't use cash if you don't have to - it's covered in germs so you're doing everybody who handles the cash a disservice.

Mnthrowaway You can teach your iPhone to recognize you with a mask if you pose like this

Apple Pay makes giving on JustGiving so much easier, buying on Etsy so much easier. It's more secure (Apple was GDPR complaint before GDPR was a thing and is excellent on privacy/safer than Android).

Instant record on your phone. I can pay with my watch.

It's just easy, safe, convenient, hygienic, no need for other cards.

What's not to love?

I don’t have a contactless card but I use Apple Pay all the time. It’s so easy and there’s no limit like on contactless card (because it’s more secure because I need my face or phone passcode to use it, unlike a contactless card). It comes off my available balance immediately. And I can use it on some online payments.

I’d mostly used cash day to day until I got round to setting up Apple Pay, now I hardly ever carry cash.

No limit on contactless in most places. Pay with the press of a fingerprint online. No need to take cards out, I don't use anything else.

As most others have said, it’s fab for a number of reasons:

1. no need to carry a card at all, just your phone
2. Fingerprint or facial recognition activated payments so more secure. I could take your card and spend multiple £45 transactions contactless before it would decline, you couldn’t use my phone for the same
3. No limit on spending in most shops (asda and tesco limit to £45 at the moment, though they remove the limit if you shop through their own scan and pay apps)
4. No need to touch any cash or card machines in current climate
5. easy to see where and how much money you’ve spent, each transaction can be seen in a couple of swipes, no need to log onto banking apps unless checking balances

The Apple Pay / Contactless fraud guarantee is better than the guarantee you get for debit card chip / pin transactions.

DS loves it, has an Apple watch, doesn't need to carry a wallet or a phone. I've no idea how it works

@OneForMeToo 100% no contactless limit in aldi. Tesco and Asda badly need to update their systems as doesn't put a contactless option on the screen above the limit but not discovered anywhere else that has a limit and I've been using it for 2 years