Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom

I can't stop staring at the Barclays ligature ('https://en.wikipedia.org/wiki/Typographic_ligature'). It's… perplexing.

I filled an official complaint form in about their lack of support for apple pay, I had a phone call within 2 hours from Barclays explaining the situation. I laughed at how much abuse they were getting on Twitter not supporting it. I'm guessing the amount of complaints / comments being made has made them change their mind. I'm giving them until Christmas to support it or I'm off to somebody else .

Christmas ? I'm giving them until the end of next week to make a statement

If they remain silent, I'll move all my accounts to another bank

...snip...

Hi. What Swiss-G said is correct. The merchant's bank is irrelevant. All that is needed is that YOUR Credit Card's issuing bank has made a deal with Apple and has the ability to detokenize the DAN (Device Account Number) into your PAN (Primary Account Number) which is the one on your real card.

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.

So how does apple pay actually work?

Here you go. ('http://******.com/?q=so+how+does+apple+pay+actually+work')

So why are Apple having to get retailers to opt-in to Apple Pay, if that's the case? This was my original understanding of how Apple Pay would work (anywhere where contactless payments was accepted) but then I heard this was something that retailers specifically had to accept and that some would be blocking it?

They don't need to, it's all marketing. Any retailer that has rolled out contactless terminals can take apple pay, but to highlight the service Apple have selected so called partners to help advertise the service. If they didn't it would just be another payment service amongst the crowd for most people. Remember, most people are not clued up on the security benefits and are sceptical about new payment systems. By highlighting big companies that have rolled out contactless to all their terminals Apple is hijacking the contactless roll-out success and associating it with Apple Pay. This will hopefully create some adoption impetus outside of natural (us lot) early adopters.

I'd been with Barclays for about 20 years. Switched my account to First Direct when I heard they weren't going to support Apple pay at launch.
Got £100 from First Direct too, better than forking out £25 for a bpay bracelet...
Got to say I miss Barclays online banking though, they did it very well. Their iOS banking apps were also very good.
May consider switching back if they support Apple Pay.
Come on Barclays! Sort it out and win back your customers!

Now you're with First Direct, you will begin to realise quite how **** all the other companies you deal with are, when it comes to customer service.

I've been with FD since the day they launched and would never ever consider switching to another back.

Good. Soon they can stop complaining.

The Barclays one predates this usage of the German eagle by over 200 years.

What cannot be unseen?

Barclays to support Apple Pay is down to CEO Antony Jenkins being sacked by the Chairman - reason for sacking was he didn't like the way Jenkins was taking Barclays forward
Apple Pay Support for Barclays would join on Launch Date

I really don't think that lack of adoption of ApplePay was high up on the list of reasons that Antony Jenkins was sacked, if it even featured at all