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Topic # 179383 6-Sep-2015 16:12
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I've got UK cards with HSBC (FirstDirect) and an iPhone6S so at the end of July was all set to try out Apple Pay.
On day 1 the phone took both the Visa Debit and Visa Credit cards that I have.
The debit card activating immediately.
The credit card remained in "awaiting approval", or the like, for a few weeks.

Looking around forums for stalled approval advice I deleted the credit card and attempted to add it again.
Now the phone refuses to accept that card and tells me to contact the issuer.

Was in the Warehouse and tried paying with Debit card using iPhone Apple Pay on their wireless pay terminal.
Even though the phone and terminal happily agreed with each other the payment attempts were declined.

My bank, FirstDirect, claims to have no knowledge of any attempts by me to use the card at any time since then.
My last attempt was on Friday checking out of Countdown.
Again it was quick and painless on the phone and all seemed good until the terminal spat out a payment declined receipt.

So Friday night I call the UK to talk to FD and find out what the problem was.
FD told me 2 things:
1) That it's Apple that blocks the adding of cards if the phone, using it's GPS, finds itself outside of the UK. 
You can only add your cards in the home country of the card issuer.
2) NZ payment terminal won't accept wireless transactions of more than £20 ($40). This I know is bollocks.

Anyone had any luck with using Apple Pay in NZ?

It's not that big a deal, but it would have been nice to have the fall back of my iPhone for payments if I've left my wallet at home.


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Doesn't know what he doin
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  Reply # 1380669 6-Sep-2015 16:28
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I'm sure it's to do with using a contactless debit card. Soooooooo many stores take contactless but block debit cards from using it because they get charged the fees of a credit card since it has to process through the Visa/MasterCard/Amex etc networks.

Kmart, Countdown and The Warehouse have all done this to me in the past so I assume it's still a thing. 
Whenever I do it the terminal declines the transaction and asks me to insert the card and go through that route. 

I think it's the store doing the blocking, so it gets declined before even reaching the credit card network which is most likely why your bank can't see it either.




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Sam, Auckland 




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  Reply # 1380671 6-Sep-2015 16:41
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That makes a lot of sense. Damn.
So if it had been the Credit Visa, that I'd snuck onto the phone instead of the Debit Visa, Apple Pay would be working for me here.

I've just compared my UK FD cards to my NZ Kiwi bank cards.
Of my 2 UK cards, only the debit Visa is wireless pay enabled. Even though issued by the same bank.
The opposite of my Kiwi bank cards. Debit not wireless enabled but Credit is.

Thanks for clearing up that part of my confusion!

Anyone know how to fool the GPS on an iPhone? :)
It would have been much easier hacked if it had been based on IP address Geo location.
I'm going to try Airplane mode with WiFi enabled and a VPN to a UK IP address.

 
 
 
 


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  Reply # 1380672 6-Sep-2015 16:43
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Yeh I'm sure if you got the credit card on there it would work just fine. It's kind of annoying but I doubt it's going to change anytime soon :(

Lucky bugger atleast having cards to try with Apple Pay :P 




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Sam, Auckland 




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  Reply # 1380673 6-Sep-2015 16:54
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Frustrated bugger currently. :)
Will be a lucky bugger if I can get the bloody thing working! :-/


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  Reply # 1380674 6-Sep-2015 17:01
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tardtasticx: I'm sure it's to do with using a contactless debit card. Soooooooo many stores take contactless but block debit cards from using it because they get charged the fees of a credit card since it has to process through the Visa/MasterCard/Amex etc networks.

Kmart, Countdown and The Warehouse have all done this to me in the past so I assume it's still a thing. 
Whenever I do it the terminal declines the transaction and asks me to insert the card and go through that route. 

I think it's the store doing the blocking, so it gets declined before even reaching the credit card network which is most likely why your bank can't see it either.


Can't speak about Kmart, but I know that as of ~2 months ago, Countdown are still blocking Debit Paypass/Paywave.  But The Warehouse has accepted my MasterCard Debit recently.

Also, just to point out the following,

1) International Debit cards at Countdown/etc might be different
2) The processing networks may be detecting that the transaction is via ApplePay as the 'network' and may/may not have agreements to process via that route, or may as a 'security' mechanism drop those transactions.
3) Like with 2, I was pretty sure ApplePay required merchants to 'be on board', although that may just be an impression based on the US rollout due to how behind (EFTPos) machine wise they are there.



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  Reply # 1380677 6-Sep-2015 17:09
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I should have added in my original post that after Apple Pay launch I read reports of US tourists successfully using Apple Pay in A/NZ.
When I spoke to my bank they said that Apple Pay should work fine abroad with any wireless terminal just as my cards would.
Of course there are restrictions and there were also cases of outlets in the US working on launch and later being blocked by the merchant.
Those merchants being part of a rival payment consortium.

I suspect that NZ McDonald's would take my Apple Payment, but I'm not going that far to prove things to myself... ;)

Trying to find a free UK VPN service.
Oh how much do I miss Global Mode.... :(


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  Reply # 1380682 6-Sep-2015 17:22
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Countdown are no longer restricting Visa Debit via Paywave, and have had signs up to say this for a while now.

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  Reply # 1380683 6-Sep-2015 17:25
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sbiddle: Countdown are no longer restricting Visa Debit via Paywave, and have had signs up to say this for a while now.


Are all CountDowns doing this? I've been to probably 4 different countdowns in the last couple of weeks and didn't see any signs at all about that. I stopped trying months back when everyone said it was intentional, and never bothered to give it another go. Might try later this week. 




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  Reply # 1380684 6-Sep-2015 17:30
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All above dramas remind me again why I'm happy with good old EFTPOS.....

A.

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  Reply # 1380730 6-Sep-2015 18:47
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I can confirm Apple Pay US and UK cards work with contactless payment terminals in NZ. Not the best idea given the conversion rates. Also having returned from UK, when you get asked the method of payment, just say "contactless" rather than Apple Pay, because they get really confused expecting cash/card/credit

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  Reply # 1380751 6-Sep-2015 19:53
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Usually having your phone near the terminal is enough of an indication that is how you will be paying. Only place you have to tell paywave is the maccas drive thru otherwise they stick the card in and hand the machine back to you, so using your phone you want them to just give you the machine.





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  Reply # 1380763 6-Sep-2015 20:36
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Have you tried changing the region setting in your phone to UK rather than NZ before adding the credit card? It could be that rather than globlocking as such, since that (from memory) affects some other iOS features, like Siri.



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  Reply # 1380765 6-Sep-2015 20:47
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I've never had my iPhone set as NZ. It's always been UK.
If you change it to NZ, or any country other than the Apple Pay countries (US/UK) passbook won't allow you to add cards.


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  Reply # 1380868 7-Sep-2015 02:48
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nigelj:
tardtasticx: I'm sure it's to do with using a contactless debit card. Soooooooo many stores take contactless but block debit cards from using it because they get charged the fees of a credit card since it has to process through the Visa/MasterCard/Amex etc networks.

Kmart, Countdown and The Warehouse have all done this to me in the past so I assume it's still a thing. 
Whenever I do it the terminal declines the transaction and asks me to insert the card and go through that route. 

I think it's the store doing the blocking, so it gets declined before even reaching the credit card network which is most likely why your bank can't see it either.


Can't speak about Kmart, but I know that as of ~2 months ago, Countdown are still blocking  But The Warehouse has accepted my MasterCard Debit recently.

Also, just to point out the following,

1) International Debit cards at Countdown/etc might be different
2) The processing networks may be detecting that the transaction is via ApplePay as the 'network' and may/may not have agreements to process via that route, or may as a 'security' mechanism drop those transactions.
3) Like with 2, I was pretty sure ApplePay required merchants to 'be on board', although that may just be an impression based on the US rollout due to how
behind (EFTPos) machine wise they are there.

Our local countdown have just started taking Debit Paypass/Paywave. Just last week there was a stickers and the pin pad

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  Reply # 1380873 7-Sep-2015 06:41
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seoras: I've never had my iPhone set as NZ. It's always been UK.
If you change it to NZ, or any country other than the Apple Pay countries (US/UK) passbook won't allow you to add cards.



With incoming netflix tax you'd also be mad wanting to also have a NZ region iTunes account to go with. (while the settings can differ)

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