Apple Pay, a contactless payment system, is finally available in the UK in our shops and across the London transport network.
From today more than 250,000 shops across the UK, including Waitrose, Boots and Marks & Spencer will accept payment through Apple Pay, alongside Transport for London (TfL) on its Tube, bus and rail networks.
The new contactless payment system works uses the iPhone 6 and iPhone 6 Plus inbuilt fingerprint scanner and near-field communication (NFC) chips to make payments by pressing your finger to the home button and holding the handset near a card reader, as you would a contactless debit card. The Passbook app will automatically open, and your phone will vibrate and beep to let you know it’s been received.
When paying with an Apple Watch, double tapping the side button triggers your stored cards. Holding the Watch up to the contactless reader makes the payment, and, like on iPhone, it will vibrate and beep to confirm it’s gone through.
Santander, NatWest and Royal Bank of Scotland customers are among the first to be able to use their accounts with Apple Pay from the launch, while Lloyds, Halifax and Bank of Scotland account holders will have to wait until the autumn. HSBC and First Direct will join later this month.
Vice president of Apple Pay Jennifer Bailey said the system will be able to used to not only buy coffee and other low-price transactions, but full shopping baskets’ worth of goods following merchants’ decisions to upgrade their contactless terminals’ software to accept transactions with a greater value than £20, rising to £30 in September. Ms Bailey said the aim of Apple Pay is to replace the traditional wallet, beginning with payments with a focus on ease of use, security and customer privacy.
“We’ve designed it so the transactions are just between you, the bank and the merchant, not seen by Apple. That transaction information never passes through Apple servers. It’s unlike some other folks in this industry who want to take that data and use it for other revenue or advertising purposes – we’re very much focused on strong customer privacy.”
Where can I use Apple Pay?
• Post Office
• New Look
• JD Sports