Apple Pay will be arriving for customers inside of the United Kingdom, backing support from about 250,000 UK merchants, sometime in July. Today, Apple released a support and FAQ page on its website to document the processes and answer the questions that some merchants may have with the impending launch of the service (via 9to5Mac).

apple-pay
Following the confirmation by multiple banks on the matter earlier this month, Apple has confirmed that some retailers and specific out-of-date terminals will hinder customers to a £20 limit on their Apple Pay purchases (which will increase to £30 in September). However, the company does state that merchants with terminals "capable and configured properly" -- and a payment provider that supports the most up to date specifications on contactless payments -- will be able to support larger transaction sums.

Apple Pay allows your customers to make easy and secure contactless payments at any amount. If your payment terminal or payment provider doesn’t support the latest network specifications, as with contactless debit and credit cards today, your customers might need to insert their card if the transaction amount is over £20.

To accept Apple Pay for transactions over £20, your payment terminal must be capable and configured properly, and your payment provider needs to support the latest network contactless specifications.

The process for merchants to support a limit raise may be arduous, however, and as such most retailers will be facing the £20 right out of the gate when the service launches in July. Retailers supporting the "Consumer Device Cardholder Verification Method," another support document updated today, will be able to enable "contactless payments for any amount." Unfortunately, the security-ensured method requires updated terminal software that may see a slow adoption rate to stores around the United Kingdom in the early days of Apple Pay.

The rest of the FAQ page details the expected list of questions about liable fraud charges for merchants, list of payment providers that support Apple Pay in the United Kingdom, and a process detailing return policies for customers using the mobile wallet. Apple also confirmed during WWDC that London-based Apple Pay users will be able to commute and pay for fares on London's Underground with the help of the service. The company also promised that the service will be backed by eight of the "most established banks" in the country when it launches.

Related Roundup: Apple Pay

Top Rated Comments

johnnyjibbs Avatar
80 months ago
Can anyone tell me, please oh please, where these limitations keep coming from????

I have a US debit card, but live in the Czech Republic my whole life. Since I got my iPhone 6, I have been using Apple Pay at merchants in the Czech Rep, Slovakia, Germany, with no problem. Any store that has a contactless terminal accepts Apple Pay, I really don't understand, and I am genuinely interested to understand where all of this is coming from... Please? Someone?
A bit of history...

Long before Apple Pay was even announced, the UK was a pioneer of so-called contactless technology that allowed small transactions (originally up to £10, then later to £15 and now £20) to be paid for with a tap of any NFC-compatible debit card for conveniently buying a sandwich, coffee or newspaper. This was a quicker and faster way than using chip and pin (which the UK has had for years) and without the hassle of cash.

Gradually, more and more merchants have started using the technology, such as the London Underground, but it is still primarily designed for small payments because it doesn't have the security of entering a pin. Hence the limit is for security reasons.

Fast forward to 2015 and Apple, having very wisely chosen to support an existing standard to increase adoption, are using the existing network and hence have to play by the same rules. As adoption climbs and new versions of the technology (as Apple alludes in the document) can differentiate Apple Pay from other contactless cards then this will change, it will just take time. I would fully expect the official partner retailers to not have such limits, which is the positive I take out of the article.

So the limit is nothing to do with Apple Pay. And it wasn't artificially imposed either, it's just a relic of what got us here in the first place.
Score: 14 Votes (Like | Disagree)
Menopause Avatar
80 months ago
£20, so just a bottle of water then.

:p
Score: 11 Votes (Like | Disagree)
bigchrisfgb Avatar
80 months ago
This article is very misleading.
It has confirmed that the limit will not apply if a retailers software is up to date.
Score: 8 Votes (Like | Disagree)
MrGimper Avatar
80 months ago
This is hilarious.

Almost like a headline stating "iPhone 6s and iPad Air 3 to only support 16GB of storage"

Then in the article "....if you purchase the 16GB models. The 64GB and 128GB models will support 64GB and 128GB of storage respectively"
Score: 5 Votes (Like | Disagree)
Yellowbean12 Avatar
80 months ago
No I understand that. I don't mean actual restrictions.... I mean these "propaganda'd" restrictions... As I said, I have been using Apple Pay in the Czech Republic for half a year now, regularly. Yet all of "the media" says that it is only supported in the US, and now will be introduced to the UK.... BUT IT'S NOT..... So I'm just curious if someone can explain this to me...
Because you're using a US debit card from a US bank which has signed up to Apple Pay.
Score: 4 Votes (Like | Disagree)
Jsameds Avatar
80 months ago
In a nutshell -

The NFC standard for contactless in the UK was written (obviously) before Apple Pay, when the only contactless payments available were not so secure (No verification, literally just a card swipe), and so a limit was placed to reduce the amount of damage a fraudster could do if they stole your contactless card.

Now Apple Pay has come along and is much more secure than previous methods, but sadly still has to abide by the rules written for the not so secure methods.

So - a new standard has been created for Apple Pay and other subsequent secure contactless payments called "Consumer Device Cardholder Verification Method", but unfortunately this will require up to date hardware on the shop's behalf, and also the latest software running on it.

Once the shops have that in place, payments over £20 (£30 in Sept) will be accepted.
Score: 3 Votes (Like | Disagree)

Top Stories

Flat 2021 MacBook Pro Mockup Feature

Unreleased Apple Macs and Apple Watches Listed in Eurasian Database Ahead of Fall Product Launches

Monday August 2, 2021 9:34 am PDT by
Apple is preparing for a slew of fall product launches according to new filings that showed up today in the Eurasian Economic Commission database. There are listings for new Mac and Apple Watch models, all of which have previously unknown model identifiers that indicate that they're upcoming devices. There are six new Apple Watch identifiers, including A2473, A2474, A2475, A2476, A2477, and...
ifixit iphone12 mini

Apple to Make Space for Larger Batteries in iPhones, iPads, and MacBooks By Adopting Slimmer Peripheral Chips

Monday August 2, 2021 2:12 am PDT by
For future iPhones, iPads, and MacBooks, Apple plans to use smaller internal components in an effort to increase the size of the device's battery, according to DigiTimes. Image Credit: iFixit Specifically, Apple plans to "significantly increase the adoption" of IPDs or integrated passive devices for the peripheral chips in its products. These news chips will be slimmer in size and allow for...
Apple watch series 5 new case material made of titanium 091019

Titanium Apple Watch Series 6 Models Currently Widely Unavailable

Sunday August 1, 2021 6:21 am PDT by
Models of the Apple Watch Series 6 with titanium cases part of the "Apple Watch Edition" collection is currently widely unavailable for pick-up in several of Apple's retail stores in the United States and is unavailable entirely for delivery in major markets. Noted by Bloomberg's Mark Gurman in the latest edition of his "Power On" newsletter, titanium models of the Apple Watch Series 6,...
General Apps Messages

Android iMessage Competitor Puts Pressure on Apple

Friday July 30, 2021 3:15 am PDT by
Google and the three major U.S. carriers, including Verizon, AT&T, and T-Mobile, will all support a new communications protocol on Android smartphones starting in 2022, a move that puts pressure on Apple to adopt a new cross-platform messaging standard and may present a challenge to iMessage. Verizon recently announced that it is planning to adopt Messages by Google as its default messaging...
REC ASA CODE2016 20160601 205816 2745

Elon Musk Reportedly Demanded to Become Apple CEO as Part of Potential Tesla Acquisition [Update: Musk Denies]

Friday July 30, 2021 9:04 am PDT by
Tesla CEO Elon Musk reportedly once demanded that he be made Apple CEO in a brief discussion of a potential acquisition with Apple's current CEO, Tim Cook. The claim comes in a new book titled "Power Play: Tesla, Elon Musk and the Bet of the Century," as reviewed by The Los Angeles Times. According to the book, during a 2016 phone call between Musk and Cook that touched on the possibility of ...
iPhone 13 Wi Fi 6E feature update

Wi-Fi 6E Explained: What It Could Mean for iPhone 13 and Beyond

Monday August 2, 2021 8:00 am PDT by
The iPhone 13 is widely expected to come with Wi-Fi 6E capabilities, and while it may seem rather nuanced to the average consumer, with only improved speeds and being "up to date" in the realm of Wi-Fi technology, it's actually a fairly significant improvement, laying the groundwork for much of what we know the future holds. To truly understand Wi-Fi 6E, MacRumors sat down for an exclusive...
magic keyboard touch id

Apple Makes Magic Keyboard With Touch ID Available for Separate Purchase

Tuesday August 3, 2021 5:22 am PDT by
Apple has made the Magic Keyboard with Touch ID, which previously was only available with the purchase of the new 24-inch iMac, available for purchase individually for $149. Apple also retails the Magic Keyboard with Touch ID and a numeric keypad for $179. A standard Magic Keyboard without Touch ID or a numeric keypad is available for $99, and a new Magic Trackpad for $129. One major...
themorningshowcarrell

Apple Decided Not to Buy Reese Witherspoon's 'Hello Sunshine' Media Company

Monday August 2, 2021 2:02 pm PDT by
Reese Witherspoon's media company "Hello Sunshine" recently courted various buyers, and while Apple was one of parties interested in buying Hello Sunshine, the Cupertino company did not end up going through with the purchase. Hello Sunshine was valued at around $900 million thanks to its involvement in popular series like The Morning Show," "Big Little Lies," and "Little Fires Everywhere,"...
COVID19 Digital Wallet Apple Wallet

Australian Government Now Offering COVID-19 Digital Vaccination Certificates for Apple Wallet

Monday August 2, 2021 12:04 am PDT by
The Australian government has introduced support for adding COVID-19 vaccination digital certificates to Apple Wallet via the Express Plus Medicare app on iOS. Image credit: Tap Down Under As spotted by Tap Down Under, users who have received two doses of either the AstraZeneca or Pfizer vaccine now have access to the digital certificate through their Medicare online account or via the Medica...
mac pro new graphics

Apple Introduces New High-End Graphics Options for Mac Pro

Tuesday August 3, 2021 7:34 am PDT by
Apple today began offering new high-end graphics upgrade options for both the tower and rack versions of the Mac Pro desktop computer. This comes on the same day that Apple started selling the Magic Keyboard with Touch ID on a standalone basis. As noted by CNN Underscored's Jake Krol, the Mac Pro can now be configured with new AMD Radeon Pro W6800X, W6800X Duo, or W6900X graphics when...