Apple Pay Now Supports Tesco Bank and TSB in U.K., Over 90 New U.S. Issuers

I think that the dam is breaking. I know that they got the big ones early on, but now the updates have 40+ US banks at each one.

This is a good thing.

A very good thing.

TSB at last! Happy days :-)

TSB also paying out 5% cashback for using Apple Pay on their credit cards.

"Get 5% cashback on your first £100 of Apple Pay spend each month using your existing TSB MasterCard or AMEX credit card, until December 2016 (subject to eligibility)"

That could be up to £5 each month which is better than nothing -

Just waiting for the Tesco stores (excluding a few in London) to support NFC payments.

agree, just thinking the same, how ironic it is Tesco Bank now support apple pay.
But like you say outside of London and its pretty much not offered in store.
(same for Tesco owed 'One Stop' stores).

I think that the dam is breaking. I know that they got the big ones early on, but now the updates have 40+ US banks at each one.

The next post explains why:

More banks support it than Apple even lists, too: my bank is a medium-size chain across several states, and supports ApplePay, but has never been listed by Apple—because they don't directly issue their own credit cards. The card has their name and logo, I signed up in their branch, and the bill comes from them—but the fine print shows they are partnering with another bank to operate the card--one that is listed by Apple. (But listed with the name a little different—probably parent company vs. subsidiary, or something, but that's further confusion to make you think your bank isn't listed.)

This is especially true for credit unions: they outsource credit cards to a partner. Once the partner supports Apple Pay, all of their partners will be able to do so.

P.S. Weren't US retailers supposed to support Chip [and PIN] by this October (at least the Chip part!) or else assume a bunch of liability? What ever happened with that? I don't think I saw single store, small or large, gain new terminals this fall. Retailers don't need to "support Apple Pay" specifically, they just need modern terminals! I though Chip [and PIN] would cause a wave of upgrades, and NFC (including Apple Pay) would come along for the ride. Did the deadline extend again, or something?

No, it wasn't extended. The merchants are assuming liability for fraudulent use. I'm starting to see more chip readers in use: my local Lowe's store just started requiring me to insert my card, even though they have had the terminals for months. I'm seeing this in a lot of places: even though they HAVE terminals with chip readers, they aren't necessarily using them.

Other merchants have point-of-sale systems with an integrated mag-stripe reader, and I think they were caught napping. They can't just easily swap out a terminal. It may even be a supplier problem: they can't get an updated terminal because they can't be manufactured quickly.

Finally, the merchant's transaction processor may be assuming liability. An example is Square:

https://squareup.com/emv-liability-shift

Square doesn't yet ship an EMV chip reader, but you can reserve one now. If you do so, you can use their mag-stripe reader, and Square will cover liability for any fraud. But, you have to reserve their EMV chip reader to get that protection.

Do I no now longer have the fraud protection of the big, stable credit card company to protect me? Just curious—my credit card # gets somehow stolen pretty much once a year...)

No, the liability shift is to the merchant -- not to you. Your agreement with the credit card issue has not changed.

Just waiting for the Tesco stores (excluding a few in London) to support NFC payments.

And Sainsbury's! OMG!

btw: All the Tesco Express/Metro's around here (London) seem to take contactless, so I don't think it's just a few.

Damn Barclays still dragging its heels...

P.S. Weren't US retailers supposed to support Chip [and PIN] by this October (at least the Chip part!) or else assume a bunch of liability? What ever happened with that? I don't think I saw single store, small or large, gain new terminals this fall. Retailers don't need to "support Apple Pay" specifically, they just need modern terminals! I though Chip [and PIN] would cause a wave of upgrades, and NFC (including Apple Pay) would come along for the ride. Did the deadline extend again, or something?

I have a small amount of insight here in to a large nation-wide company that has chosen not to move forward with replacing their readers to be chip and pin compliant for the next year...

It's more expensive to replace the equipment across the organization than it is to eat the charge backs.

So it's an expense they're planning for in 2017 or so.

Plans change, of course, but I imagine a lot of large organizations are facing a similar decision.

Just waiting for the Tesco stores (excluding a few in London) to support NFC payments.

Just waiting for the Tesco stores (excluding a few in London) to support NFC payments.

It kills me seeing the grayed out contactless button every time I use self service.

Leave them, I shifted my personal account to Santander (Still have a Joint account, but that's going as soon as the mortgage deal finishes)

Same here, left Barclays and joined Santander

Its a shame that Tesco wouldn't give me a credit card, no matter Santander did, its not contactless but works fine with Apple Pay