Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom
MacRumors has learned that a high-level executive at Barclays, one of the largest banks in the United Kingdom, anticipates "imminent" support of Apple Pay in the country. Apple Pay in the U.K. is expected to go live on Tuesday, although it remains unclear if Barclays will be a first wave launch partner because of its delayed negotiations with Apple about the mobile payments service.
Apple confirmed at WWDC last month that Apple Pay will be available in the U.K. in July, but stopped short of providing a specific launch date. Recently released employee training documents have suggested the launch could come next week, on July 14, and some Santander customers were able to add their cards to Passbook for use with Apple Pay and make purchases ahead of that date.
Barclays was notably absent from Apple's list of banks that will support Apple Pay in the U.K. at launch or soon after, which presently includes HSBC, Lloyds Bank, Bank of Scotland, Royal Bank of Scotland, First Direct, Halifax, M&S Bank, MBNA, NatWest, Nationwide, Santander, TSB and Ulster Bank. The bank's subsidiary Barclaycard has offered an Apple Rewards Visa Card for several years.
Barclaycard recently expanded its "bPay" lineup of wearable solutions for contactless payments to include a wristband, key fob and sticker, leading to speculation that Barclays may be electing to use its own mobile payments services as opposed to Apple Pay, similar to how some retailers maintained exclusivity to the CurrentC platform last year. Today's confirmation, however, indicates otherwise.
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Top Rated Comments
Here, I've made a crude drawing. The red parts must match. You register your card number (PAN) into Apple Pay, and Apple contacts your card's Issuer Processor service to provision a matching token (DAN) into your device to use for payments. (left side of chart)
Thereafter, when you tap to pay, your device sends the DAN token and the OD-CVM (On Device Cardholder Verification Method) flag via NFC comms to the Merchant's Terminal.
If the terminal is updated, it can recognize the OD-CVM flag and bypass the usual contactless PIN / signature limits. Note that this standardized flag can be used by any payment method, not just Apple Pay. If the terminal is not updated, then the limits still apply.
If under (or no) PIN limit, the Merchant Terminal dumbly sends the DAN (it doesn't know it's a token because it looks just like a real account number) upstream via the Merchant's Acquirer service, through the Credit Card Brand (Master /Visa /Amex) to the Issuer Bank's Processor, where it is translated into the real number (PAN) for card Issuer Bank approval. (Alternatively, this translation can be done at the branding level.)
The approval then runs the reverse course back down to the merchant terminal and your device.
At the end of each day, the Merchant Acquirer service totals up sales - refunds, and requests each card Issuer Bank to deposit that much money (minus the Acquirer's and Brand's fees) into the Merchant's Bank, which can be any bank. The Credit Card Brand (Master /Visa /Amex) is responsible for sending a cut of the fees that normally go to the bank, to Apple.
If they remain silent, I'll move all my accounts to another bank
I've been with FD since the day they launched and would never ever consider switching to another back.