Apple Pay

merlotgran

Daffonanna

I have a main current account and have frozen the card , it pays a monthly sum into a separate account for spending mainly on Apple Pay . I call it my “ pocket money “ account and keep the balance to a minimum .

This is confusing 🤔

Do you use a different card in Apple Pay?
What’s the point in freezing the current account card?

Am I being thick?

I too see no value in this complex method.
You register any bank card or cards on Apple Pay.
The transaction is then encrypted so it’s a very secure method of payment.

Don’t know what Apple Pay is. I pay for everything with ,y Tesco Credit card. At the end of the month the total amount I owe is taken out of my Barclays Current Account and with a detailed statement. That’s all I need
I imagine Apple Pay is a posher version of a Credit Card
I use Apple Products, iPhone, iPad (I have two).
Unless there is an incentive to change, I’m sticking to what I know

Presumably you can use both debit and credit cards with ApplePay? At the moment I pay for virtually everything with a credit card which lists the date and the payee, I can't really see what makes ApplePay different to this.

cc

Presumably you can use both debit and credit cards with ApplePay? At the moment I pay for virtually everything with a credit card which lists the date and the payee, I can't really see what makes ApplePay different to this.

Because you use your phone or Apple Watch to pay. You register your bank card in Apple Wallet and then you just double click while holding your phone or wrist over the card machine.

Apple Pay isn't a posher version of a credit card - it is your credit card but accessed through an app.

merlotgran

I rarely use cash and don’t have any problems ‘running a tight ship’ as my dad used to say.
I don’t need a ledger. Online banking means you can check anything at any time wherever you are.

I don’t use a ledger, but I do keep an eye on my bank statements.

My receipts tell exactly where I spent my cash KL

Oh I don’t know, terminals were down in Sainsbury’s last year, those with cash could go straight through, those with Cards had to go & queue up outside in the rain at the machine.

Mt61

Oh I don’t know, terminals were down in Sainsbury’s last year, those with cash could go straight through, those with Cards had to go & queue up outside in the rain at the machine.

Kittylister

I don’t buy everything with cash. Half & half

Mt61

My receipts tell exactly where I spent my cash KL

My phone tells me that.

Mt61

kittylester

I wish someone could explain to me why it is only possible to keep an eye on one's spending by using cash and not a credit card.

Because when you are on a budget, it’s easy to get carried away using a credit card.
I think by paying cash, I am more likely to ask myself do I really want or need whatever I am buying.
Anyway, I find it works for me.

I don’t food shop but practically everything I buy is on line.
I have always thought do I really want/ need it

I can’t remember the last time I did a food shop and paid with cash. Before debit cards I wrote a cheque. Same in clothes shops.
I kept receipts for any cash purchases and totted up the cheque stubs. I suppose that’s what everyone did.

So much easier now.

kittylester

Apple Pay isn't a posher version of a credit card - it is your credit card but accessed through an app.

“Posher”?

Apple Pay is encrypted this makes it more secure.

I use Apple Pay all the time , so much easier . Yesterday I had to run for the train and paid for parking as I got on the train .

I was quoting crazyH, Sago

I do know how it works.

I have android Google Pay. Same thing all my cards are in my Google wallet. My daughter has Applepay and all her cards are on it.

kittylester

I was quoting crazyH, Sago

I do know how it works.

Sorry Kitty!
I was surprised at the use of that awful word posh to describe a payment method!

Agree about the word 'posh' Sago.

I often wonder what my grandmother would make of my credit card.
The word Virgin was never to be uttered…unless followed by Mary.
And we’re not Catholic! 😂

What is posh?
Thanks everyone I now have my credit cards on it. I tested it but it doesn't tell me about the transaction. I will look on utube as I probably have fine something wrong

My wallet shows me what I have spent that day but I also access my online banking on my phone so can easily check.

And, I am definitely not posh.

I always use Apple Pay and find it very clear and simple.

The only problem I ever have is the facial recognition doesn’t recognise me first thing in the morning (sometimes) .

Mt61

I was buying light bulbs in an electrical shop, I asked the young man serving, do you take cash. He said, yes, course, ‘cash is king’. I laughed, I thought these young ones are walking us into a cashless society.

cash is king sure is, because it’s untraceable so doesn’t always go through the books’

I get really frustrated in the checkout q with all these folks who have their shop card and payment on their phones. Why can they not load them up while waiting?.

It takes ages, especially if signal is weak and holds up the whole q while they wait until all shopping is through and into the trolley before getting their phone out, then signing in, then loading their shop card and zapping it (at least 3 goes), then signing in to pay app and zapping that!
me, I get my 2 bits of plastic out while waiting, then zap one as I start to load, and the other as soon as the operator is ready, so I finish loading while the system catches up and coupons print.
So much for progress.