Transaction Limit In UK’s Apple Pay Will Rise To £30 In September

Transaction Limit In UK’s Apple Pay Will Rise To £30 In September
Apple Store Håkan Dahlström/Flickr CC BY 2.0
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Apple Pay retailers in the United Kingdom will have to content themselves with £20 worth of transactions when the contactless system invades next month, although the amount will increase to £30 in September, news reports confirmed.


The meager amount in the said transactions is mainly due to network specifications at the payment provider levels being outdated, it has been reported. Unlike in the United States — which only began to use the contactless mode of payment last year when the Apple Pay was launched and hence, has state-of-the-art infrastructure — the United Kingdom has been using the contactless system for eight years.

According to the Telegraph, because the contactless terminals in the U.K. are already old, most of the merchants that will use the Apple Pay would be using the old structure card terminals. For that, they will be restricted to a £30 cap.

In an earlier report by BBC, Apple Pay, which is already being used in the United States, is “thought to offer greater protection against fraud” and because of such feat, Visa card provider said it is possible to offer transactions with greater amount.

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“Not all retailers will have the limit at launch and there will be others who will choose to get rid of it all together in time,” said a spokeswoman for Visa that was quoted by BBC.

A spokesperson for Mastercard also said that the £30 cap would be implemented both to debit and credit card.

Cards May Be Inserted

Although contactless, Apple Pay said customers might have to insert their cards if their transactions are more than the threshold limit. But that would only be if the retailer’s payment terminal does not support the newest network specifications.

“To accept Apple Pay for transactions over £20, your payment terminal must be capable and configured properly, and your payment provider needs to support the latest network contactless specifications,” Apple Pay said in its website.

Apple Pay is activated using an Apple Watch attached to an iPhone or by an iPhone recognizing an owner’s fingerprint. In its website, Apple Inc said Apple Pay is more secure and quicker in doing transactions.