In Canada Apple Pay generally works at all wireless tap to pay cashiers. But transactions seem to be limited to $50 the same as if one was tapping a physical card. So much for being cardless. I still need to carry my large wallet with multiple cards. I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
In Canada Apple Pay generally works at all wireless tap to pay cashiers. But transactions seem to be limited to $50 the same as if one was tapping a physical card. So much for being cardless. I still need to carry my large wallet with multiple cards. I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
The amount limit, especially as being the same as a tap-to-pay card just shows that it's still in its infancy. Whether you're using Apple Pay, Android Pay, Samsung Pay, or anything else that mirrors what Apple released, this is the future of payments. I figure I'm probably still a couple years out before I'll be able to not bring any physical cards with me. Looking forward to my bank adding Apple Pay at the ATM.
In Canada Apple Pay generally works at all wireless tap to pay cashiers. But transactions seem to be limited to $50 the same as if one was tapping a physical card. So much for being cardless. I still need to carry my large wallet with multiple cards. I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
The amount limit, especially as being the same as a tap-to-pay card just shows that it's still in its infancy. Whether you're using Apple Pay, Android Pay, Samsung Pay, or anything else that mirrors what Apple released, this is the future of payments. I figure I'm probably still a couple years out before I'll be able to not bring any physical cards with me. Looking forward to my bank adding Apple Pay at the ATM.
Interesting. I've not had any issues with dollar limits in Apple Pay. Could be a limit placed on certain cards or perhaps limited by the card company? Or perhaps a limit placed on the cardholder? I've made purchases well over $100.
In Canada Apple Pay generally works at all wireless tap to pay cashiers. But transactions seem to be limited to $50 the same as if one was tapping a physical card. So much for being cardless. I still need to carry my large wallet with multiple cards. I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
In general my experience is the same as yours - "almost" all tap-to-pay terminals work with Apple Pay (I mostly use watch), but some do not. Specifically have not been able to use at gas stations (the machine actually complains loudly and does a bit of a reset), nor does it work at Canadian Tire for some reason:)
The limit I have experienced, for both debit and credit, is $100/transaction. The merchants I have spoken with indicate that is the general contactless payment limit (used to be less like $50, but was increased a few years ago). Anything higher requires the card to be inserted & use PIN.
Overall, I love Apple Pay (now with iPhone 7, and have had it with Apple Watch for about 9 months). Probably about 70% of my transactions with debit/credit are done with AP, with remainder being due to higher amount, or those few merchants that don't support it. It is truly the future - just double press the Apple Watch side button, hold, and walk away (no signing anything here).
Agree with Soli - once this gets more widespread and the security benefits are better understood and measured - that Apple Pay is more secure than chip & PIN itself - then we should see those limits per transaction increase.
Next big step for going without wallet - secure government cards like drivers licenses or health cards. Is this even on the horizon?
In Canada Apple Pay generally works at all wireless tap to pay cashiers. But transactions seem to be limited to $50 the same as if one was tapping a physical card. So much for being cardless. I still need to carry my large wallet with multiple cards. I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
In general my experience is the same as yours - "almost" all tap-to-pay terminals work with Apple Pay (I mostly use watch), but some do not.
My dry cleaner supports NFC-based payments and, like many mom-and-pop shops, supported it day one when Apple Pay launched. However, this one location/card reader will always get an error when I use a card from a specific financial institution, but other cards work just fine and that card works everywhere else I use it with Apple Pay. It's an odd issue.
Tim Cook and crew started the ball rolling on a number of long term initiatives a few years ago. I was very happy to see him lay this foundation. But unhappy that I'd have to wait years for it all to be realized. Now, you get to see that type of forward thinking decision making become realized. Apple Pay, along with the TV app, and Apple's HomeKit/HealthKit, are typical Apple initiatives that can't be ignored by the industry, and have a way of taking over in the long run. Apple is well positioned in this market, and more importantly, the consumer is well positioned, to have a brand new experience in areas that had long stagnated. Think about how important this is to Apple, they could release new app functionality that helps automate paying in different industries in different way. A few years ago, I could tell Apple was moving in the right direction, with things like Swift and Metal, and now all of those things are coming together.
Tim Cook and crew started the ball rolling on a number of long term initiatives a few years ago. I was very happy to see him lay this foundation. But unhappy that I'd have to wait years for it all to be realized. Now, you get to see that type of forward thinking decision making become realized. Apple Pay, along with the TV app, and Apple's HomeKit/HealthKit, are typical Apple initiatives that can't be ignored by the industry, and have a way of taking over in the long run. Apple is well positioned in this market, and more importantly, the consumer is well positioned, to have a brand new experience in areas that had long stagnated. Think about how important this is to Apple, they could release new app functionality that helps automate paying in different industries in different way. A few years ago, I could tell Apple was moving in the right direction, with things like Swift and Metal, and now all of those things are coming together.
It certainly seems like Apple almost operates "under the radar" in some ways, right out in the open. They publicly announce these initiatives to high profile, but because they don't have a "whiz bang" immediate effect, the media very quickly lose interest. There are multiple pieces that need to come together to make these services/ecosystems really start to hit scale and be noticed. So Apple Pay is launched, but doesn't gain ground as much as expected. But Apple just keeps moving forward, adding banks here, merchants there, and then a few more countries over a couple of years. Next thing you know, Apple Pay is the leader in mobile payment solutions.
Perhaps many of the "* Kits" will be similar. Is Alphabet, Samsung, Amazon or others really interested in "health" right now? Is the fact that the media isn't reporting much on Apple in this arena causing the competition to ignore the area? Just a thought. Samsung in particular seems to be a company which chases "fads" or tech which looks cool and garners press.
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But transactions seem to be limited to $50 the same as if one was tapping a physical card.
So much for being cardless. I still need to carry my large wallet with multiple cards.
I keep using it in hopes these kinks will be fixed.
In the US it is not always available. It worked well at one clothing retailer The Limited with no apparent dollar limit.
So far works more reliably on iPhone 7 plus than it did on iPhone 6 plus which sometimes needed a second attempt to be picked up by near field device.
The limit I have experienced, for both debit and credit, is $100/transaction. The merchants I have spoken with indicate that is the general contactless payment limit (used to be less like $50, but was increased a few years ago). Anything higher requires the card to be inserted & use PIN.
Overall, I love Apple Pay (now with iPhone 7, and have had it with Apple Watch for about 9 months). Probably about 70% of my transactions with debit/credit are done with AP, with remainder being due to higher amount, or those few merchants that don't support it. It is truly the future - just double press the Apple Watch side button, hold, and walk away (no signing anything here).
Agree with Soli - once this gets more widespread and the security benefits are better understood and measured - that Apple Pay is more secure than chip & PIN itself - then we should see those limits per transaction increase.
Next big step for going without wallet - secure government cards like drivers licenses or health cards. Is this even on the horizon?
Perhaps many of the "* Kits" will be similar. Is Alphabet, Samsung, Amazon or others really interested in "health" right now? Is the fact that the media isn't reporting much on Apple in this arena causing the competition to ignore the area? Just a thought. Samsung in particular seems to be a company which chases "fads" or tech which looks cool and garners press.