The mobile payment service from Apple became available in the UK on July 14. All this time, maximum transaction size does not exceed 20 pounds (about 2000 rubles). After a month and a half after the launch of the service in Albion decided to enhance the limit to 30 pounds (3,000 rubles).
Since mid-July the British Apple Pay users can pay at banks, restaurants, public transport, etc. when the Commission payment is 0.15% of the payment amount. In addition, the system includes and discount cards to major retail outlets.
At the same time, the work of the British version of the mobile payment system has several limitations compared to its American counterpart. The main difference is the limitation on the amount of the transaction. NFC technology used by Apple Pay is a contactless and does not require PIN code entry ways payment for goods or services. In the UK it is still widely distributed legacy POS terminals with the restriction on the transfer of funds. Thus, in order to make a purchase worth more than 30 pounds, the British will have the “old way” to use payment by credit card, not a smartphone.
The use of Apple Pay in the London underground showed weaknesses in the payment system. The reason is that in the Moscow metro need to register not only at the entrance and at the exit of the subway. But if the iPhone runs out of power during the trip, the passenger will not be able to register at the subway exit, and travel expenses will be considered invalid.
The management of the transport system of London has warned passengers that entered the metro, they must ensure that their iPhone and Apple Watch is charged. If the passenger would get out of subway with a dead gadget and can not confirm the payment, he will have to pay a fine.
The UK was the first market Apple Pay outside the US. But observers believe that this is only the first step in the expansion of services in the European market. After the appearance of access to the payment system in England, a similar opportunity may appear to the inhabitants of Germany and France. It is a common belief of experts, the advent of Apple Pay on competitors outside the United States will pass quickly.