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Apple Pay now available in Ireland

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Comments

  • Registered Users, Registered Users 2 Posts: 155 Razor Russ
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    Just had 1st transaction, seamless with no tech bugs or errors with KBC card.
    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.

    Do we know does apple stick to the €30 limit or is it shop dependant link android pay ?


  • Registered Users, Registered Users 2 Posts: 134 pnott
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    Razor Russ wrote: »
    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.

    I tried it at home this morning before work. I was connected to my home wifi and fully charged. Software is up to date 10.2.1 according to settings. I changed region to the uk and went into wallet and Apple Pay came up, as soon as I changed back to Ireland Apple Pay disappeared! I suspect it could be related to my iTunes account, perhaps it is set to the UK. I'll check when I get home.


  • Registered Users, Registered Users 2 Posts: 28,633 murpho999
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    pnott wrote: »
    I tried it at home this morning before work. I was connected to my home wifi and fully charged. Software is up to date 10.2.1 according to settings. I changed region to the uk and went into wallet and Apple Pay came up, as soon as I changed back to Ireland Apple Pay disappeared! I suspect it could be related to my iTunes account, perhaps it is set to the UK. I'll check when I get home.

    I don't think Apple Pay has anything to do with itunes.

    Mine all set up now, with Boon and all with Irish settings. All worked well.


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    Add your cards whilst you're set to UK region, and then reset it to Ireland. The UI stays if you have a card enrolled in Apple Pay.


  • Registered Users, Registered Users 2 Posts: 6,088 OU812
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    Just had 1st transaction, seamless with no tech bugs or errors with KBC card.

    Just tried it in McDonalds with UB card & it said "no card found"


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  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    OU812 wrote: »
    Just tried it in McDonalds with UB card & it said "no card found"

    Weird. Did the phone or the payment terminal say that?

    I have been using very regularly with a foreign card but mostly in Ireland since around September 2016, and it has been a flawless experience for me.


  • Closed Accounts Posts: 26,658 OldMrBrennan83
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    This post has been deleted.


  • Closed Accounts Posts: 783 nsa0bupkd3948x
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    Patww79 wrote: »
    This post has been deleted.

    Been using Android Pay in McDonalds since launch without any issues..


  • Closed Accounts Posts: 26,658 OldMrBrennan83
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    This post has been deleted.


  • Closed Accounts Posts: 783 nsa0bupkd3948x
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    Patww79 wrote: »
    This post has been deleted.

    Now that you mention it had one issue where the guy said no. So I said I'd pay by my contactless. He walked away to get the food and I used my phone. Other lad working there just laughed.


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  • Registered Users, Registered Users 2 Posts: 218 The Buster
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    Has anyone registered Ulster bank this afternoon? I have tried a few times and verification code has not come through. I tried verifying by phone and they have now changed to a recorded message saying call will not be answered as they have a critical fault. I guess they are just overloaded so will try again tomorrow


  • Registered Users, Registered Users 2 Posts: 568 fifi28
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    Loving apple pay - only got contactless card from UB a couple of months ago so that novelty still hasnt worn off. So far today Ive used it in tesco, pennys and boots without any problems. All transactions wer well under the €30 so not sure if it will work over that amount


  • Registered Users, Registered Users 2 Posts: 134 pnott
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    Finally got Apple Pay to come up on my iPhone! I had wallet turned off in iCloud and when I turned it back on about 10 minutes later Apple Pay appeared! Well done me! :pac:


  • Registered Users, Registered Users 2 Posts: 6,088 OU812
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    Bob24 wrote: »
    Weird. Did the phone or the payment terminal say that?

    I have been using very regularly with a foreign card but mostly in Ireland since around September 2016, and it has been a flawless experience for me.

    Was the terminal. Will try it again in the next couple of days


  • Registered Users, Registered Users 2 Posts: 3,799 Doodah7
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    The Buster wrote: »
    Has anyone registered Ulster bank this afternoon? I have tried a few times and verification code has not come through. I tried verifying by phone and they have now changed to a recorded message saying call will not be answered as they have a critical fault. I guess they are just overloaded so will try again tomorrow

    Set up the wife about a half an hour ago. Text appeared in less than 10 seconds for each of the two cards. Interestingly, one was a contactless debit card and one was an older, ordinary one. Both were added without fuss.


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    Ingenico terminals don't have the €30 limit on them for Apple Pay transactions. Just paid for my physio using Apple Pay 🙂.


  • Registered Users, Registered Users 2 Posts: 23,901 ted1
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    What are the benefits in using your phone over contactless card ?


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    OU812 wrote: »
    Bob24 wrote: »
    Weird. Did the phone or the payment terminal say that?

    I have been using very regularly with a foreign card but mostly in Ireland since around September 2016, and it has been a flawless experience for me.

    Was the terminal. Will try it again in the next couple of days

    Actually I had kind of forgotten but my iPhone 6 had a hardware issue related to Apple Pay when I started using it 6 months. It would add the card ok but nothing was happening when bringing the phone next to a terminal (no error message though).

    If it till doesn't work after a few tries just keep in mind it could be on issue with the phone.

    The problem is it is difficult to troubleshoot as Apple will tell you do some things and then try again, but each time you want to try you have to go to a shop buy something - and look like an idiot trying to pay with your phone which obviously doesn't work.


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    ted1 wrote: »
    What are the benefits in using your phone over contactless card ?

    * Phone can't be skimmed
    * Apple Pay keeps a transaction history.
    * Payment requires a finger print.
    * No one has access to your account if they steal your phone, if they steal your contactless card they can rack up a contactless payments.
    * The merchant never gets your real card number. Apple creates a one time use card number at point of sale and uses that, this stops the merchant storing your actual card number and then they get hacked.


  • Closed Accounts Posts: 26,658 OldMrBrennan83
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    This post has been deleted.


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  • Registered Users, Registered Users 2 Posts: 23,901 ted1
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    * Phone can't be skimmed
    * Apple Pay keeps a transaction history.
    * Payment requires a finger print.
    * No one has access to your account if they steal your phone, if they steal your contactless card they can rack up a contactless payments.
    * The merchant never gets your real card number. Apple creates a one time use card number at point of sale and uses that, this stops the merchant storing your actual card number and then they get hacked.

    So security really, but all transactions are protected by the bank so not really a concern of mine.
    How does the transaction history work? I find revolut as is much better than statements/ transactions history that bank usually give


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    ted1 wrote: »
    So security really, but all transactions are protected by the bank so not really a concern of mine.
    How does the transaction history work? I find revolut as is much better than statements/ transactions history that bank usually give

    A side-effect of the added security is that banks don't feel the need to apply very low payment limits as with contactless cards.

    And it it probably a personal thing but there are situations when I find it more convenient to grab my phone than digging out my bank card from the wallet.

    One other practical thing to come is for online payments. Only a few currently do, but websites and apps can offer Apple Pay as a payment method which means rather than entering your card details and completing the 3D secure process, you will just have to scan your fingerprint to confirm a payment.

    Over all from a user's perspective these are all nice to haves and not must haves, but the features do sum-up as a good additional way of paying.


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    Bob24 wrote: »
    A side-effect of the added security is that banks don't feel the need to apple very low payment limits as with cards.

    And it it probably a personal things but there are situations when I find it more convenient to grab my phone that digging out my bank card from the wallet.

    Over all it is all nice to have and not must have.


    One other practical thing to come is for online payments. Only a few currently do, but websites and apps can offer Apple Pay as a payment method which means rather than entering your card details and completing the 3D secure process, you will just have to scan your fingerprint to confirm a payment.

    Forgot about Apple Pay on the web. Another thing is you can set up shipping details so you don't have to waste time filling all that info out. It's a small detail but a nice one.


  • Registered Users, Registered Users 2 Posts: 28,633 murpho999
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    * Phone can't be skimmed
    * Apple Pay keeps a transaction history.
    * Payment requires a finger print.
    * No one has access to your account if they steal your phone, if they steal your contactless card they can rack up a contactless payments.
    * The merchant never gets your real card number. Apple creates a one time use card number at point of sale and uses that, this stops the merchant storing your actual card number and then they get hacked.

    Also, just the simple convenience of not having to take your card out or even bring it with you.


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    murpho999 wrote: »
    Also, just the simple convenience of not having to take your card out or even bring it with you.

    Unless you know you are only going to a specific shop which accepts contactless / Apple Pay, I am not sure this is true yet. If I'm just going out with no specific shop in mind and want to have a reliable way of paying with me, I wouldn't go only with the phone or watch.

    But yeah it will probably be the case in a few years time.


  • Registered Users, Registered Users 2 Posts: 23,901 ted1
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    murpho999 wrote: »
    Also, just the simple convenience of not having to take your card out or even bring it with you.

    I'm not convinced, as carrying a card isn't really that much hassle. In fact there's mire instances like going for a run when I find it easier to carry a card than a phone.

    I think bpay might suit more people, simple key fobs, brackets etc https://www.bpay.co.uk/home


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    ted1 wrote: »
    I'm not convinced, as carrying a card isn't really that much hassle. In fact there's mire instances like going for a run when I find it easier to carry a card than a phone.

    I think bpay might suit more people, simple key fobs, brackets etc https://www.bpay.co.uk/home

    I'd rather not wear a bracelet just for payments. At least the Apple Watch is multifunctional. A key fob? I'm trying to cut down the things I carry in my pocket not increase them. A sticker? Yeah no thanks! Also limited to contactless card limit? No thank you :)

    And an app to control all of the above? The beauty of Apple Pay is there is no app. Just double press the home button on your phone or the side button on the watch and you're in payment mode.

    And if you're ok with all of the above. It seems like it's only for the UK market, so more hoops to jump through.


  • Closed Accounts Posts: 2,681 Fleawuss
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    Delighted to finally have it. One of the reasons I bought the watch. A shopping we will go. :D


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    Fleawuss wrote: »
    Delighted to finally have it. One of the reasons I bought the watch. A shopping we will go. :D

    As long as the payment terminal is correctly positionioned in the shop, user experience is really good with the Watch and clearly faster than using a card. Nothing to take out of your pocket, no PIN, no app or menus ... just double click on the home button, put your wrist next to the terminal, and you're done!


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  • Registered Users, Registered Users 2 Posts: 134 pnott
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    Has anyone tried using Apple Pay on their Mac or in an app? I find it bizarre that Apple themselves don't offer Apple Pay as a payment option on their app or the website here but do allow you to pay with Apple pay in other countries.


  • Registered Users, Registered Users 2 Posts: 28,633 murpho999
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    ted1 wrote: »
    I'm not convinced, as carrying a card isn't really that much hassle. In fact there's mire instances like going for a run when I find it easier to carry a card than a phone.

    I think bpay might suit more people, simple key fobs, brackets etc https://www.bpay.co.uk/home

    How is using your phone less convenient than a fob?

    As for the run example. Who goes shopping when running and many people use a watch or some wearable to record the run so you could use your watch.

    Remember this is only the start.

    No hassle to carry a card but why do you need a wallet when it can all be on your phone?


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    pnott wrote: »
    Has anyone tried using Apple Pay on their Mac or in an app? I find it bizarre that Apple themselves don't offer Apple Pay as a payment option on their app or the website here but do allow you to pay with Apple pay in other countries.

    I've had it set-up on all my devices (iPhone, iPad, Apple Watch, Mac) for a few months and while it's been great at physical retail locations I don't think I've came across a website or an app which offered it as a payment method. I'm not a crazy shopper but I definitely make at least a few online payments each month.

    So my experience is that unfortunately at this stage it is rarely an option for online/app purchases.


  • Registered Users, Registered Users 2 Posts: 23,901 ted1
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    murpho999 wrote: »
    How is using your phone less convenient than a fob?

    As for the run example. Who goes shopping when running and many people use a watch or some wearable to record the run so you could use your watch.

    Remember this is only the start.

    No hassle to carry a card but why do you need a wallet when it can all be on your phone?

    I often run the Dart line and end up getting the Dart back might stop off and get a bottle of water or similar. Card is light and handy to carry so no need for a wallet.
    With a watch it'd be handy but I really can't see the advantages of using a phone.


  • Registered Users, Registered Users 2 Posts: 1,351 Cloudio9
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    I've never done a contactless payment before. Do you need to tell the person you're doing it ?


  • Registered Users, Registered Users 2 Posts: 4,150 The Ayatolla
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    Another advantage of Apple Pay over contactless card is not having to put in your PIN on the 3rd/4th use of a contactless card. The phone is just so convenient now.

    And those who use contactless card can bow their heads to the almighty, powerful users of Apple Pay. All hail.


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  • Registered Users, Registered Users 2 Posts: 28,633 murpho999
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    ted1 wrote: »
    I often run the Dart line and end up getting the Dart back might stop off and get a bottle of water or similar. Card is light and handy to carry so no need for a wallet.
    With a watch it'd be handy but I really can't see the advantages of using a phone.

    So you pick one scenario that applies to you and deem Apple Pay as having no advantages despite advantages being listed above.

    Why not just take cash with you then.


  • Registered Users, Registered Users 2 Posts: 20,240 cnocbui
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    ted1 wrote: »
    I often run the Dart line and end up getting the Dart back might stop off and get a bottle of water or similar. Card is light and handy to carry so no need for a wallet.
    With a watch it'd be handy but I really can't see the advantages of using a phone.

    I would run half the distance, turn around, run back, and save a pointless expense.


  • Registered Users, Registered Users 2 Posts: 6,088 OU812
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    Originally Posted by Deedsie
    Will leap card release a top up app for iOS now?

    There's really no reason why you can't use your iPhone in place of the leap card to tap on and off like in London & NYC or else for the leap card to be in the wallet.

    Well... one reason... Ireland.


  • Registered Users, Registered Users 2 Posts: 218 The Buster
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    All set up. Can't wait to use it now!

    I see that Apple Pay option has been added to my Uber apple I use Uber a lot when traveling. Just wondering is there any advantage to using Apple Pay in Uber as opposed to having my credit card linked to my Uber account. I presume it's the same thing but just wondering am I missing something


  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    OU812 wrote: »
    There's really no reason why you can't use your iPhone in place of the leap card to tap on and off like in London & NYC or else for the leap card to be in the wallet.

    Well... one reason... Ireland.

    I remember reading on another thread that Leap Card validation machines don't have hardware support for NFC payments and as Appel doens't allow any other use of the contactless chip this is the only thing which would enable direct iPhone payments. So I would hold my breath about using iPhones to pay for public transport in Dublin.


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  • Registered Users, Registered Users 2 Posts: 10,905 Bob24
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    The Buster wrote: »
    All set up. Can't wait to use it now!

    I see that Apple Pay option has been added to my Uber apple I use Uber a lot when traveling. Just wondering is there any advantage to using Apple Pay in Uber as opposed to having my credit card linked to my Uber account. I presume it's the same thing but just wondering am I missing something

    I think the main difference is that if you only use Apple Pay Uber doesn't know your credit card number and is never allowed to get money from your card unless you specifically approve a payment by scanning your fingerprint on the phone.

    And of course this is only valid if you solely use Apple devices to make your Uber payments: if you give Uber your CC details so that you can pay from another platform it will negate these advantages.


  • Registered Users, Registered Users 2 Posts: 26,584 Creamy Goodness
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    Made another transaction this morning over the €30 limit on contactless payments. I know it's possible, just didn't expect Irish merchant terminals to be set up this way.

    This time it was a Verifone terminal at a Texaco :).


  • Registered Users, Registered Users 2 Posts: 4,150 The Ayatolla
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    Great to know. My fear was all would be configured to the €30 limit. I assume this is the responsibility of the terminal rather than each shop updating their configuration.

    List that accept amounts over €30:

    Ingenico
    Verifone


  • Registered Users, Registered Users 2 Posts: 372 Belfunk
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    Bob24 wrote: »
    I remember reading on another thread that Leap Card validation machines don't have hardware support for NFC payments and as Appel doens't allow any other use of the contactless chip this is the only thing which would enable direct iPhone payments. So I would hold my breath about using iPhones to pay for public transport in Dublin.

    Article on Independent.ie from last year stating they are currently upgrading their IT infrastructure due for completion this year, Apple Pay mentioned.


  • Registered Users, Registered Users 2 Posts: 9,514 TheChizler
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    Great to know. My fear was all would be configured to the €30 limit. I assume this is the responsibility of the terminal rather than each shop updating their configuration.

    List that accept amounts over €30:

    Ingenico
    Verifone
    The limits are set by the payment provider on agreement with the merchant, not the terminal manufacturer.


  • Registered Users, Registered Users 2 Posts: 8,261 Sonics2k
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    Still no Android Pay for Ulster Bank. Ridiculous considering they have it set up for Apple Pay.


  • Moderators, Category Moderators, Arts Moderators, Entertainment Moderators, Technology & Internet Moderators Posts: 22,693 Sad Professor
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    Belfunk wrote: »
    Article on Independent.ie from last year stating they are currently upgrading their IT infrastructure due for completion this year, Apple Pay mentioned.

    Apple would still need to open up their NFC chip to third party developers so it could be used for Leap. Using Apple Pay on public transport would work out very expensive. But I guess if Dublin Bus validators had live internet connections and supported loading top-ups onto your card instead of having to go the shop there would no need for your phone to do it.


  • Registered Users, Registered Users 2 Posts: 16,930 challengemaster
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    Bob24 wrote: »
    Unless you know you are only going to a specific shop which accepts contactless / Apple Pay, I am not sure this is true yet. If I'm just going out with no specific shop in mind and want to have a reliable way of paying with me, I wouldn't go only with the phone or watch.

    But yeah it will probably be the case in a few years time.

    I don't think I've been in a shop that doesn't accept contactless in the last few months.


  • Administrators Posts: 54,424 awec
    Admin ✭✭✭✭✭


    Cloudio9 wrote: »
    I've never done a contactless payment before. Do you need to tell the person you're doing it ?

    No, if the terminal supports contactless you just touch your card / phone / watch off it when the enter pin screen is up. Usually you'll see the contactless icon (looks like wifi icon sideways).


  • Registered Users, Registered Users 2 Posts: 28,633 murpho999
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    Just it for first time via Boon app. Worked perfectly. Fingerprint was used without pin for those who were concerned about that.


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