Apple Pay in America

[gemma-lou]

We have just come back from New York I’m with NatWest hubby is with Lloyd’s and ours didn’t work

[unixgirl]

Originally Posted by gemma-lou

We have just come back from New York I’m with NatWest hubby is with Lloyd’s and ours didn’t work

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Do you mean you could register your card with apple pay but then when you tried paying with apple pay it didn't go through?

[Mjspin]

In my experience, Apple Pay aside, the US is lagging the UK in adoption of contactless payments. Could of course just be the areas I have visited but I’ve been met with surprise on occasion when I’ve used it as staff had not seen it before, despite is being enabled on their tills.

[gemma-lou]

Originally Posted by unixgirl

Do you mean you could register your card with apple pay but then when you tried paying with apple pay it didn't go through?

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Yes both our cards are registered and used home here all the time, but neither would work over there which was frustrating as I wanted to go out without bag purse etc and just my phone

[unixgirl]

Well that's annoying - did you query it with the providers? Just wonder if it was the card restriction as I use apple pay with my Monzo card.

[MacUK]

JC Penny have just ditched Apple Pay and all forms of contactless payment

[Spike1911]

In the USA they seem to hardly even have contactless so maybe some places but not widespread. Last time I used a card at Disney for over $50 in 2015 they wanted to swipe, signature and a form of ID, was madness. I really hope it’s changed.

[Kraken]

You have to remember that credit card fraud used to be quite high in the USA compared to other countries. They bought it all upon themselves as in most cases when it was a "swipe and sign" card sale, they would swipe your card and give it straight back to you. Your card could be back in your wallet / purse before you signed, so no signature check was ever made. As long as the transaction came back as authorised they did not care.

Chip+PIN seems pretty prevalent over there now, which is a lot more secure. Apple (or Android) pay is even more secure as a fingerprint or facial-scan cannot be written down for someone else / a fraudster to use. The hit & miss take-up / acceptance of Apple pay is odd, given that Apple is American & the largest company in the world by market value.

[CookieMonster54]

Originally Posted by Kraken

You have to remember that credit card fraud used to be quite high in the USA compared to other countries. They bought it all upon themselves as in most cases when it was a "swipe and sign" card sale, they would swipe your card and give it straight back to you. Your card could be back in your wallet / purse before you signed, so no signature check was ever made. As long as the transaction came back as authorised they did not care.

Chip+PIN seems pretty prevalent over there now, which is a lot more secure. Apple (or Android) pay is even more secure as a fingerprint or facial-scan cannot be written down for someone else / a fraudster to use. The hit & miss take-up / acceptance of Apple pay is odd, given that Apple is American & the largest company in the world by market value.

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In America some businesses won’t adopt Apple Pay because they don’t like how it hides the customers details and quite a lot of places still don’t have contactless because contactless cards are only starting to be issued by big banks in the US.

[scottsman]

Originally Posted by Rbf1979

I wonder if you can link pre paid currency cards🤔

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Revolut are advising they are going to activate apple pay next month (June) so with that I'm not going to bother using charging to my magic band I will just use my apple watch.