UK Retailers Allowing Uncapped Apple Pay Transactions

Apple Pay should, theoretically, have an easier time of things in the U.K., where NFC-enabled payment terminals are far more common due to the prevalence of contactless cards. But it also seems to face a unique stumbling block as well. Contactless payments in the U.K are generally capped at £30 ($43), and generally, Apple falls under that limitation.

That, however, has been marked for change for at least a year, and it seems that, with the rollout of newly upgraded payment terminals, the contactless cap hitting Apple Pay is starting to disappear.

The key piece of tech is a new card reader that leverages the Consumer Device Cardholder Verification Method. This technology distinguishes Apple Pay from standard contactless cards and dispenses with the £30 limit.

It is unknown how many retailers in the U.K. have installed the new system, but according to a representative from HSBC, “many major retailers” now use it.

Which ones exactly? Not known. There is no list, meaning the only way to find out if a retailer is able to take the bigger transactions is to try to use Apple Pay for a large purchase and see what happens. If the retailer can do it, the clerk will let a customer make the purchase; if they can't, theoretically, they will inform the customer when they attempt to use Apple Pay.



The September 2020 Leveraging The Digital Banking Shift Study, PYMNTS examines consumers’ growing use of online and mobile tools to open and manage accounts as well as the factors that are paramount in building and maintaining trust in the current economic environment. The report is based on a survey of nearly 2,200 account-holding U.S. consumers.

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