Jump to Main ContentJump to Primary Navigation
Top

Everything you need to know about Apple Pay

pay1.jpg

And you thought having a contactless payment card was 21st century.

Heralded by a fanfare of metallic slaps and plastic thwacks, Apple Pay has arrived in the UK.

Here's everything you need to know about the latest way to hand over your earnings without touching any grubby currency: from which banks support it, to the risks involved. 


How does it work?

Pay

Like most other contactless payment systems, Apple Pay utilises a technology called Near Field Communication (NFC).

A small antenna in the back of the handset recognises other NFC devices, allowing handsets like the iPhone 6 or the Apple Watch to communicate and transfer data without having to call up a Bluetooth connection or plug anything in.

Once you've set up Apple Pay with card details from one of the participating banks (see below), you'll be able to pay for transactions up to £20 in value (set to rise to £30 later this year, and higher for some individual merchants that have requested a higher cap) by holding your iPhone 6 or Watch over an NFC payment point with your finger on handset's finger print scanner.

The fingerprint scanner will thus determine if it's really you looking to make the payment (so no one else will be able to use the service if they pinch your phone), confirming the transaction has gone through with a small vibration.

The app will also work with a variety of online services and other apps, allowing you to pay from your phone without needing to retrieve your card details. Services like Transport for London are also accepting payments. If you see an NFC payment point, ask the cashier if they accept Apple Pay and proceed to slap your handset/watch about like a big spender.


Does my bank accept Apple Pay?

Pay

As of launch, these are the current UK banks that will allow you to add your card details to the Apple Pay app:

NatWest

Nationwide

Royal Bank of Scotland

Ulster Bank

Santander

HSBC had previously been listed as being a participating bank by Apple (their images even still appear on the relevant UK Apple pages), but as the service goes to launch it appears that HSBC wasn't intending to employ the service at launch, telling the BBC: "We are now working hard to bring this to our customers by the end of July."

Other banks set to employ the service include Halifax, Llyods, TSB and M&S.


Are there any risks associated with Apple Pay?

Pay

Yes and no. 

Apple Pay has been running in the US for nine months, so you can rest assured that many major bank branches and Apple themselves are fully aware of any potential faults in the payment system.

The use of the finger print scanner helps offer peace of mind should you lose your iPhone: no one is going to be able to use your phone to pay for their coffee run, unless they've taken your finger as well.

One known issue with the service only puts you at risk should your credit or debit card get pinched: rather than "breaking" Apple Pay, some US fraudsters have managed to successfully add stolen card details to the app along with stolen IDs. The problem doesn't strictly lie with Apple Pay, but rather with the banks' system of confirming the identity of the card user: if someone has stolen your credit card details and has certain information about the individual associated with that card, Apple Pay presents an easy way for them to get at your money. 

So, continue to be careful with your band and card details, and should you ever fear that someone might have access to your payment information, be sure to inform your bank. It's thought that those UK banks currently not participating with Apple Pay are attempting to beef up their own security checks in order to prevent this being a widespread problem for UK users.

You can find out more over on the Apple page.

Related

ios.jpg

You can now test out the iOS 9 Beta

wii.jpg

In Memory Of Nintendo CEO Satoru Iwata: A Man That Transformed Gaming

rexfeatures_3588521a.jpg

Is WhatsApp About To Be Banned In The UK?

Spotify.JPG

Spotify and Apple are going to war

Conference.JPG

The iPhone 6s and 7: What the rumours are saying

car4.jpg

Should Self-Driving Cars Be Allowed To Decide Whether You Live Or Die?

Comments

More

This knife-toting robot playing stabby hand will make you nervous

I for one welcome our new robot overlords

by Tom Mendelsohn
25 Apr 2017

Now you can turn your iPhone into a retro mac

For the man who has everything

by Tom Mendelsohn
21 Apr 2017

The best turntables of 2017

How the tables have turned

by David Cornish
20 Apr 2017

The Tamagotchi is back

Great news for fans of neglecting responsibilities and watching tiny creatures literally shit themselves to death!

by Emily Reynolds
11 Apr 2017

Self-healing smartphone screens could exist by 2020

Could it be curtains for shady smartphone repair stalls across Britain?

by Tom Mendelsohn
05 Apr 2017

The Samsung Galaxy S8 is being released in less than a month

This is the Korean giant's first major new release since all that embarrassment with exploding Galaxy Note S7s...

by Tom Mendelsohn
29 Mar 2017

Someone's built a robot that prints and burns all of Trump's tweets

Robo-lighter knows what's up

by Gary Ogden
29 Mar 2017

Apple has patented a new laptop chassis which is powered by your phone

Is this the future of laptops?

by Dave Fawbert
27 Mar 2017

Amazon's new Alexa update means it can bring you beer in two hours

"Alexa, we're going to need more booze"

by Matt Tate
21 Mar 2017

This terrifying gadget allows you to make private calls in public

Be like Bane

by Gary Ogden
15 Mar 2017