Apple Pay?

[colyboy]

Apple Pay, anyone using it and is it any good? Pros and Cons please.

Thanks in advance.

 

[davidbaldam]

I use my phone all the time, I like the way your recites are on your phone straight away and the ease of checking and the fact that most places your allowed up to the credit of your card.

 

[Littlewheels]

Much more secure than using a physical card,cannot be cloned and so on.

 

[Mikey RV]

Have resisted for years but last year when I got my new iPhone I put Apple Pay on and love it. So easy to use. But I still carry my wallet with cash in.

 

[Littlewheels]

Have resisted for years but last year when I got my new iPhone I put Apple Pay on and love it. So easy to use. But I still carry my wallet with cash in.

I don’t carry a wallet but l have my phone in one of those iPhone cases that fit rea,ly tight and l carry an emergency £20 note in the back,never needed it.

^{_{Subscribers  do not see these advertisements}}

 

[Podney]

Wouldn’t touch it with a barge pole. Compooters……..the work of the devil.

 

[Carpmart]

I go months not using any other payment method than ApplePay, both UK and EU. Been using it since NFC payments were launched…

 

[scotjimland]

Using it for years now..it's great.. pay for everything with it, stores, online.. parking machines et al

In the Apple wallet, have my bank debit card, bank credit card and Revolut card on for use abroad..

no longer take cards with me now .. plastic is old skool..

 

[Phill D]

I agree it’s so easy and convenient.

I put it on my phone because I forgot to pick up my wallet on 2 occasions while popping to the shop.
Now, it’s my preferred method of payment.

 

[Silver-Fox]

Not for me I’m afraid.

I just don’t like all my eggs in one basket

^{_{Subscribers  do not see these advertisements}}

 

[Carpmart]

Not for me I’m afraid.

I just don’t like all my eggs in one basket

Do you use a nice leather wallet then?

 

[scotjimland]

I forgot to pick up my wallet on 2 occasions while popping to the shop.

thats what I love.. no need for a wallet now .. and the worry about losing it or having it stolen..

 

[scotjimland]

Do you use a nice leather wallet then?

he has two baskets with him ..

 

[Silver-Fox]

Do you use a nice leather wallet then?

Strangely no.

I’m down with the kids a use a material one for everyday use.

The leather one is for special occasions

 

[Carpmart]

Strangely no.

I’m down with the kids a use a material one for everyday use.

The leather one is for special occasions

Be it leather or (trendy) fabric, you keep cards and cash in it! Effectively one basket?

^{_{Subscribers  do not see these advertisements}}

 

[Nirvanauk]

Since Covid it’s the only thing I have used. Been caught out a couple of times when it hasn’t worked and needed a physical card. But luckily always had management with me.

 

[Silver-Fox]

Be it leather or (trendy) fabric, you keep cards and cash in it! Effectively one basket?

No, cash down the Y Fronts hoping to be robbed

 

[Bluemooner]

I use apple wallet all the time even my football season ticket is on there

 

[AndyPK]

Apple Pay on my watch - don’t need to have your iPhone with you either…..

 

[scotjimland]

we are almost a 'cashless' society ... but not quite .. a few spring to mind that need cash


a local small holding sells free range eggs at a roadside stand with an honesty box... so always have some cash in the car..

some market traders ..

raffle tickets ..

some fish n chip shops

boot sales

buying second-hand

any other examples >?

^{_{Subscribers  do not see these advertisements}}

 

[Verteuil Man]

Same sort of payment type. We use Google Pay. Had no issues in Spain.

 

[Zigisla]

I use it all the time. One day I forgot both wallet and phone, then realised after a phone call received on my watch, I had it on that as well. So now no wallet or phone needed. Great if you only have sports shorts or similar on.

 

[Abacist]

I am assured that your “cards” in your phone are safer than your physical cards and preferred by banks. You lose a physical card and anyone can use for a while for keyless transactions where a pin is not required.

 

[carolyn]

Been using it for years. All my store cards on it as well. I’ve just counted and I currently have 23 cards on it!

I also belong to Airtime rewards through O2 so when I’m at home I usually have M&S, and Sainsbury’s vouchers in there as well , not to mention boarding cards and the like.

I wouldn’t leave the house without my watch on, it’s unthinkable having spent my life taking peoples’ pulses. It would be like going out naked and that’s not my thing.

 

[JRT]

I use Google pay, which of course works in the same way.

I bank with Nationwide and one big advantage I found last year was when I lost my wallet with my debit card and credit card in I could lock both cards in the app. and report them lost but the debit card continued to work in Google pay. As a result I still had the means to pay for stuff and when I got home my new cards were waiting for me.

When my new card was issued it updated automatically in Google Pay.

I believe they do the same with Apple but I don't know if all banks do this.

^{_{Subscribers  do not see these advertisements}}

 

[Barryh]

we are almost a 'cashless' society ... but not quite .. a few spring to mind that need cash


a local small holding sells free range eggs at a roadside stand with an honesty box... so always have some cash in the car..

some market traders ..

raffle tickets ..

some fish n chip shops

boot sales

buying second-hand

any other examples >?

Motorhome storage

Chap who’s repairing house soffits

Another job where quoted cash or more expensive job with receipt and VAT.

Plumber family member

Don’t worry cash is alive and well.

 

[Odd-no-more]

I use Google wallet, the same thing, when my Tesco credit card was compromised the new card updated automatically in Google pay

 

[Millcourt]

Have been hesitant so far to use Apple Pay, but will reconsider.

Do you still get full Section 75 protection? I do not think you do when using PayPal for example.

 

[JRT]

Have been hesitant so far to use Apple Pay, but will reconsider.

Do you still get full Section 75 protection? I do not think you do when using PayPal for example.

As far as I know yes, because the source of the funding remains your card. Apple/Google pay are just a vehicle for the transaction.

 

[JRT]

Confirmed here.

From here.

Section 75: Your free credit card purchase protection | money.co.uk

When you spend money on your credit card you get extra consumer protection on your purchases. Find out more about Section 75 of the Consumer Credit Act and how it can provide you with additional peace of mind.

www.money.co.uk

^{_{Subscribers  do not see these advertisements}}