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Yes, I agree that price vs. functionality is poor. I don't understand the appeal of Apple Pay at all (at least in the UK). We have contactless debit cards for q

Yes, I agree that price vs. functionality is poor. I don't understand the appeal of Apple Pay at all (at least in the UK). We have contactless debit cards for quick payments and the last thing I want to do is hand over banking details to a third party. Apple Pay seems like the sort of thing that's needed in the US because of the woefully backwards payment infrastructure.

mcintyre1994 10y ago
I find I use Apple Pay a lot in the UK despite my contactless cards because I cycle so my phone and wallet are in my bag - it's nice to only take the phone out. A cheap Apple-Pay-on-my-wrist would be cool, but I'd probably still have my phone in my pocket so I doubt it'd be a meaningful improvement at all. It's all very small though, like you said contactless debit cards are fine.
- 2muchcoffeeman 10y ago
  In Australia, you can get a "pay tag", basically a sepearate chip attached to your credit account. The back has an adhesive that you can stick to the back of your phone or whatever. This is usually free.
evgen 10y ago
I use Apple pay here in the UK when I don't want to pull out my wallet for a contactless payment. It also ensures that I always have at least one contactless card on me for use on the tube if I ever walk out of the door without my wallet (downside is that because I am not totally screwed without my wallet I seem to leave it behind a bit more than I ever did before...)
paperpunk 10y ago
Contactless debit cards are widespread but not ubiquitous in the UK. My bank won't give me a contactless card (they don't say why) but Apple will, so Apple Pay is useful.
vitd 10y ago
I use it for a few reasons (in the US): 1) Don't have to touch or open my wallet to get at it 2) More secure than either debit or credit because it's a 1-time generated card number 3) Harder for the merchant to track my purchases because it's a different number every time 4) Isn't linked directly to my checking account so I can't lose money if there's a mistake or fraud

mcintyre1994 10y ago

I find I use Apple Pay a lot in the UK despite my contactless cards because I cycle so my phone and wallet are in my bag - it's nice to only take the phone out. A cheap Apple-Pay-on-my-wrist would be cool, but I'd probably still have my phone in my pocket so I doubt it'd be a meaningful improvement at all. It's all very small though, like you said contactless debit cards are fine.

2muchcoffeeman 10y ago
In Australia, you can get a "pay tag", basically a sepearate chip attached to your credit account. The back has an adhesive that you can stick to the back of your phone or whatever. This is usually free.

evgen 10y ago

I use Apple pay here in the UK when I don't want to pull out my wallet for a contactless payment. It also ensures that I always have at least one contactless card on me for use on the tube if I ever walk out of the door without my wallet (downside is that because I am not totally screwed without my wallet I seem to leave it behind a bit more than I ever did before...)

paperpunk 10y ago

Contactless debit cards are widespread but not ubiquitous in the UK. My bank won't give me a contactless card (they don't say why) but Apple will, so Apple Pay is useful.

vitd 10y ago

I use it for a few reasons (in the US): 1) Don't have to touch or open my wallet to get at it 2) More secure than either debit or credit because it's a 1-time generated card number 3) Harder for the merchant to track my purchases because it's a different number every time 4) Isn't linked directly to my checking account so I can't lose money if there's a mistake or fraud