Apple Pay now available in Ireland

Bob24

Sad Professor wrote: »

Will Apple Pay work at any contactless terminal or does it have to be Apple Pay enabled?

The terminal needs to support token-based payments. Any new terminal deployed today will support it, and most older ones can be software updated. I have used Apple Pay for a few months in Dublin via a French bank, and rarely cam across terminals which refused payment (but it did happen a few times for exemple at a "Fresh" grocery shop where Apple Pay was declined but regular contactless with my physical card worked).

I bigger problem I find are small businesses or coffee shops who have their card terminal kind of hidden behind a counter making it not too practical to bring your phone or watch next to it without asking them to move the terminal or handing them your device to validate the payment on your behalf.

Graham

Billydoc wrote: »

It's not there!!

Just went through this with the Mrs.

To kick start the process:

Settings -> Safari -> Autofill ->Saved Credit Cards

Add your KBC/UB Card and you should then see the prompt in wallet.

Sad Professor

Looking forward to trying this out. I still have a non-contactless UB debit card and was just thinking the other day about requesting a contactless. But no need now.

chapterthree

Loaded card at 5:50 this morning. Now I am stuck at work. Can't wait to try it out later.

arch_stanton

Bob24 wrote: »

The terminal needs to support token-based payments. Any new terminal deployed today will support it, and most older ones can be software updated. I have used Apple Pay for a few months in Dublin via a French bank, and rarely cam across terminals which refused payment (but it did happen a few times for exemple at a "Fresh" grocery shop which where Apple Pay was declined but regular contactless with my physical card worked).

I bigger problem I find are small businesses or coffee shops who have their card terminal kind of hidden behind a counter making it not too practical to bring your phone or watch next to it without asking them to move the terminal or handing them your device to validate the payment on your behalf.

Same here. I used it for a month this year with a foreign account and it worked almost everywhere, even car park machines. I only failed in a couple of shops where it looked like their contactless wouldn't activate over €30. In most places it worked fine for any amount once I convinced the sales person to let me try. I think a few were convinced I'd scammed them, even after the transaction was confirmed.

Bob24

arch_stanton wrote: »

I think a few were convinced I'd scammed them, even after the transaction was confirmed.

I also got a few strange looks especially paying with the watch :-)

Cloudio9

is there a eur30 limit?

prettyboy81

All setup both on iPhone & Watch. Will no doubt use at some stage today.

Bob24

Cloudio9 wrote: »

is there a eur30 limit?

As long as the payment terminal is properly setup there is no limit (unless Irish banks have decided to apply their own, but I don't think I saw them mentioning that).

Creamy Goodness

Bob24 wrote: »

As long as the payment terminal is properly setup there is no limit (unless Irish banks have decided to apply their own, but I don't think I saw them mentioning that).

Majority of terminals won't be set up properly though.

Cloudio9

Bob24 wrote: »

As long as the payment terminal is properly setup there is no limit (unless Irish banks have decided to apply their own, but I don't think I saw them mentioning that).

I thought the article in the independent said same limits as other contactless.

Edit: from the indo: "The purchasing limits for Apple Pay are identical to those of contactless Visa and Mastercard cards. Per-transaction limits vary according to individual retailers. There will be no additional charge to using the phone as a payment method."

Doodah7

It might be worth assembling a wiki of various Irish retailers' contactless/Apple Pay limits. I would assume that supermarkets might have higher limits as grocery shopping totals would be very often above €30?

Sad Professor

According to the Irish Times, the limits are up to the retailer and how the terminal is set up.

Although the Apple Pay service does not impose a limit on how much customers can spend in a transaction – and nor do the banks – retailers can choose to enforce the €30 contactless limit in place for contactless cards. Some older terminals may also have a limit in place.

http://www.irishtimes.com/business/technology/apple-pay-contactless-service-launches-in-ireland-1.3000151

I assume any retailer that officially supports Apple Pay and has the logo won't have any limits.

Cloudio9

Sad Professor wrote: »

According to the Irish Times, the limits are up to the retailer and how the terminal is set up.

This kind of confusion is going to be a real hurdle to adoption.

Bob24

Creamy Goodness wrote: »

Majority of terminals won't be set up properly though.

Quite possibly, especially at small businesses. But give it a few years and once everyone is used to it things will become smoother.

Sad Professor wrote: »

According to the Irish Times, the limits are up to the retailer and how the terminal is set up.



http://www.irishtimes.com/business/technology/apple-pay-contactless-service-launches-in-ireland-1.3000151

I assume any retailer that officially supports Apple Pay and has the logo won't have any limits.

Technically, it would be silly for retailers to enforce a 30 euros limit as in practice Apple Pay is at least as safe as chip and pin cards if not safer, for which there is no limit.

But I assume at least initially some of them will think in the lines of: contactless -> unsafe -> must impose a limit.

Sad Professor

Cloudio9 wrote: »

This kind of confusion is going to be a real hurdle to adoption.

I think it will be fine. Adoption is going to be slow anyway just because retailers won't advertise it or fail to train their staff on its usage. We're still starting from a better position than the US.

neonman

Time to move bank...BOI isn't supporting Apple Pay or Android and also declined to comment on the new Apple Pay. They're still living in the stone age should have moved ages ago.

Narcissus

Creamy Goodness wrote: »

Oh you need to go into settings and then waller and Apple Pay and allow access when locked. Otherwise double press on home butting doesn't work on the phone. However this may be a setting I had turned off and Apple kept when I used boon

what is boon like to use?

Creamy Goodness

Narcissus wrote: »

what is boon like to use?

Best to read this thread...

http://www.boards.ie/vbulletin/showthread.php?t=2057706388

you can disregard the creation of a French AppleID etc. Boon is now available on the Irish App Store.

Bob24

neonman wrote: »

Time to move bank...BOI isn't supporting Apple Pay or Android and also declined to comment on the new Apple Pay. They're still living in the stone age should have moved ages ago.

Not to mention their not so great app and online banking, as well as the fact that their current account fee structure is not very competitive.

I am in the process of closing my account with them and I would only recommend them to people who need to deposits large amounts in a saving accounts as financially they seem to be the strongest and safest bank in Ireland. But for everyday banking I really don't see any benefit their offering compared to most of the competition.

naasrd

neonman wrote: »

Time to move bank...BOI isn't supporting Apple Pay or Android and also declined to comment on the new Apple Pay. They're still living in the stone age should have moved ages ago.

I jumped ship years ago to Ulster Bank. I pay my mortgage, all household bills and put the kid's pocket money to the accounts via their app for iPad and iPhone. Now with this it's just raised its own bar. You wont look back.

Doodah7

naasrd wrote: »

I jumped ship years ago to Ulster Bank. I pay my mortgage, all household bills and put the kid's pocket money to the accounts via their app for iPad and iPhone. Now with this it's just raised its own bar. You wont look back.

Agreed. Notwithstanding their IT meltdown a number of years ago, their online banking and apps are second to none. The iPhone and the iPad app in particular are really very, very good.

Sad Professor

Deedsie wrote: »

Will leap card release a top up app for iOS now?

No, not possible currently. Third party developers don't have access to the iPhone's NFC functionality. Maybe in future if Apple open up the API.

Bob24

Deedsie wrote: »

Will leap card release a top up app for iOS now?

I think if we are talking instant top-ups, the phone would need to communicated directly with the Leap Card via its radio chip, which Apple clearly won't allow.

eeloe

Aye, BOI have zero intention of releasing this, is it actually going to be worthwhile moving banks just to get Apple Pay tho?

As much as i want it, i can't bear the hardship of switching banks!

OldMrBrennan83

This post has been deleted.

AidenL

I set up Boon with an AIB Visa card, I have free banking on my current account anyway so if I can workaround this way, I'll be happy with AIB till they come on board directly - if ever..........

Creamy Goodness

Just add auto top-up to your leap card? Jesus I wouldn't leave an iPhone just so I can top up a leap card. If leap card were smart they would have copied the Oyster system in London, your contactless card is your leap card and thus Apple Pay works flawlessly.

pnott

Is this an iPhone 7 only deal like Japan? I have an iPhone 6 and for the life of me I cannot get the wallet app to allow me to add a debit/credit card. I have turned it on and off several times and temporarily changed region and still I only get the option to add a passes!

AidenL

pnott wrote: »

Is this an iPhone 7 only deal like Japan? I have an iPhone 6 and for the life of me I cannot get the wallet app to allow me to add a debit/credit card. I have turned it on and off several times and temporarily changed region and still I only get the option to add a passes!

I've added it on my 6+ successfully. IOS 10.2.1

chrislad

Boon Vs Revolut. I have the latter, is there any reason why I shouldn't switch to Boon? Does anyone have much experience with them? I've gotten on fairly well with Revolut in general. They've had some processing issues, where their servers have gone down at least 4 times in the past 6-9 months, but overall, I'd say I'm happy with them.

PTSB have no plans for this either. Very frustrating.

Bummer1234

AidenL wrote: »

I've added it on my 6+ successfully. IOS 10.2.1

I have it on my phone 6,It came up for me but unsure if i had to tap on "+" sign to add it in wallet (beside passes on the right).

Doodah7

You can set up a Leap card to top-up automatically!! Sure as hell wouldn't leave Apple just for that!

https://about.leapcard.ie/autotop-up

Creamy Goodness

tallpaul wrote: »

You can set up a Leap card to top-up automatically!! Sure as hell wouldn't leave Apple just for that!

https://about.leapcard.ie/autotop-up

Also has anyone seen the android app topup app in action? Any time saved is eaten up by a piss poor verified by visa step.

Bob24

pnott wrote: »

Is this an iPhone 7 only deal like Japan? I have an iPhone 6 and for the life of me I cannot get the wallet app to allow me to add a debit/credit card. I have turned it on and off several times and temporarily changed region and still I only get the option to add a passes!

iPhone 6 and newer, or any version of the Apple Watch.

You might want to change your regional settings to UK, and back to Ireland.

eeloe

chrislad wrote: »

Boon Vs Revolut. I have the latter, is there any reason why I shouldn't switch to Boon? Does anyone have much experience with them? I've gotten on fairly well with Revolut in general. They've had some processing issues, where their servers have gone down at least 4 times in the past 6-9 months, but overall, I'd say I'm happy with them.

PTSB have no plans for this either. Very frustrating.

I've just been on to Revolut support for the last hour, via the app, they don't have a clue what's going on over there.

First they told me it would work perfectly, and then after an hour they tell me it's not supported. I can only top up my account via another card that is ApplePay supported, but i can't spend via Revolut x Apple Pay.

Bob24

Mr.S wrote: »

At least AIB are finally admitting they are in talks with Apple re Applepay, of course they're going to support it here.

"in talks" doesn't mean much though. I hope they are at a more advanced stage, but they could just have dropped an email to Apple this morning to ask what this Apple Pay thing is all about and accurately say they are "in talks with Apple regarding Apple Pay".

chrislad

Mr.S wrote: »

2 major competitors support it, AIB will get it rolled out ASAP without a doubt.

It's been 3 months since AIB rolled out Android Pay. I don't think any other bank has rolled it out since. Banks are incredibly slow to react to market changes (I work in the software payments industry) and some of the systems they use are too monolithic to be easily changed.

awec

AIB's mobile apps are really good, probably better than the Ulster Bank app (I bank with both) but without Touch ID. Wouldn't be surprised to see them bring Apple Pay out soon.

Creamy Goodness

chrislad wrote: »

It's been 3 months since AIB rolled out Android Pay. I don't think any other bank has rolled it out since. Banks are incredibly slow to react to market changes (I work in the software payments industry) and some of the systems they use are too monolithic to be easily changed.

I work in the same industry, and whilst yes banks are slow to move it's a well known fact that iOS users spend more money on their devices than Android users, be that online or in the respective App Stores. Wouldn't be surprised if it's offered soon, but I also wouldn't be holding my breath either.

Bob24

Mr.S wrote: »

2 major competitors support it, AIB will get it rolled out ASAP without a doubt.

It would be different it was a bank like PTSB who aren't known for digital products, but AIB are fairly equipped in terms of digital output so they'll for sure have this out soon.

Ah I hope for them they are working on it ... just pointing that a company saying "we are in talks about" something doesn't really mean anything.

Also if you look at other countries where Apple Pay has launched, experience doesn't show that once some banks launch it, other large or good banks automatically follow suit within a few months as you expect (see France where it was launched in July and only one of the very large banks support it alongside some smaller institutions). What's blocking it is nothing technical but is probably related to transaction fees with larger banks trying to get a discount from Apple given their volumes. These things can last for a while.

fbradyirl

awec wrote: »

AIB's mobile apps are really good, probably better than the Ulster Bank app (I bank with both) but without Touch ID. Wouldn't be surprised to see them bring Apple Pay out soon.

Ha. Are you joking? Have you ever seen the N26 app? It rains all over the AIB app when it comes to features.

pnott

Update: I tried changing the region to the UK and back to Ireland and restarted the phone but still no joy. When I get home I'll try a restore and if that doesn't work I'll get onto apple.

Passenger

BOI declining to even so much as comment?

Razor Russ

pnott wrote: »

Update: I tried changing the region to the UK and back to Ireland and restarted the phone but still no joy. When I get home I'll try a restore and if that doesn't work I'll get onto apple.

What is the battery % on your phone. I couldn't see it earlier. My power was below 20% and off Wifi also. Came home charged phone and on wifi and it appeared. don't know which did it. I do know that apple don't push updates to your phone if the power is low.

prettyboy81

Mr.S wrote: »

At least AIB are finally admitting they are in talks with Apple re Applepay, of course they're going to support it here.

Yep AIB will follow suit soon enough, as they support Android Pay.

prettyboy81

chrislad wrote: »

It's been 3 months since AIB rolled out Android Pay. I don't think any other bank has rolled it out since. Banks are incredibly slow to react to market changes (I work in the software payments industry) and some of the systems they use are too monolithic to be easily changed.

KBC does Android Pay & now Apple Pay.

OU812

Just as a sidenote, but you can also add a subway card to the wallet & scan that for points when buying.

prettyboy81

Just had 1st transaction, seamless with no tech bugs or errors with KBC card.

prettyboy81

Mr.S wrote: »

Just did the same, although had to convince the teller it was possible.

I didn't the teller just said "you want receipt" will be using more over the week, so interested to see some reactions.