For those who say Google Pay and Apple Pay is automatically available everywhere... www.engadget.com/ftc-orders-mastercard-open-debit-transactions-competing-payment-networks-234358951.html

Here in the UK everywhere who accepts card payments also accept contactless and Apple/G Pay. There's not many retailers left who haven't upgraded their payment terminals now.

@eddaxm

Жыл бұрын

Same for sweden

@Kameron-The-Crafter

Жыл бұрын

It's expanding in my area. Almost all stores support it. Except Walmart, home Depot's. And smiths. Heck even smaller retailers accept them. Which makes you wonder if they are lying about the fees and just want your data. Because it's usually smaller stores who resist the fees more.

@RobMolenkamp

Жыл бұрын

Same for the Netherlands

@RobMolenkamp

Жыл бұрын

@@eddaxm Same for the Netherlands

@ThatLeeNoble

Жыл бұрын

The US has always been behind with payments, they were still swiping and signing when everyone else was using chip & pin.

In India, every store accepts mobile payments; thanks to the UPI payment scheme.

Here in Europe I've been using Google Pay for months now and I haven't come across any place that didn't accept it. Even the tiny corner store who's terminal is like 5+ years old worked with Gpay.

No problem in Australia Liron. All the acquirers, take all payments, not too sure why anyone would ask the merchant if they accept them, we just use it. Like the UK we've had contactless for a long time. Have been using the wallets since inception, best way to go. BUT then again I always take my real wallet with me just in case!

@Zendukai

Жыл бұрын

I too have added my credit card to use with Google pay I use it 9 times out of 10. I still use cash when I go to my local club just to pay golf fees and have side bets. Other than that it's Google pay. I am waiting for the blocking card Liron recommended for the wallet, 1 for me and 1 for my wifey.

@SnowyRVulpix

Ай бұрын

Also Australian. I don't even have a real wallet or physical cards. Haven't needed them in a decade.

Here in Greece 99% of the stores who accept card payments accept Apple Pay or Google pay as well.

Very informative video, thank you. I've been using Google Pay for a couple of years now and I love it. Here in Australia, it's pretty much accepted everywhere. I find it more secure for the reason you said, my phone needs to be open to use it and only I can open my phone. I still carry my wallet with me though, mainly because of my Driver's license (digital licenses are still on trial here and I haven't been invited yet) Also, I like to carry a bit of cash on me, in case I need it. Another good reason to use Phone payments is it saves wear and tear on your card, they last longer.

I have used Apple Pay in countries where it is not available yet, most of the time I was able to use it even if the cashiers said I can't. I just say I'll pay by paywave, contactless or whatever they call it locally and just use my phone or watch and it always works. I think many cashiers are just not aware.

@Oppinnindi

Жыл бұрын

Exactly the same in Las Vegas. I asked at Starbucks if contactless was okay to use while at the same time waving my card around like a lunatic at the terminal 😂 She said no at exactly the same time it beeped and went through no problem. She was like 😮

Here in Australia everywhere accepts NFC or tap to pay, even in remote outback communities, asking if they support google/Apple pay is the wrong question, ask if you can tap to pay with a card instead because then apple/google pay just works

I've been in the UK and Paris and Apple Pay was widely used even in street vendors. It's ironic that here in the US, many merchants including the big ones does not support it considering Apple and Google are here.

My bank Android application allows me to bind Master Card to it and pay with the phone, but not via GPay or Apple Pay, but via bank's own app.

In Malaysia, the mobile payments are accepted every where. Even in the smallest vendor in a market. Because in Malaysia we do bank transfer (no cost, immediate transfer-no delays), mobile QR payment and NFC method payment. I would say mobile payments in Asia is quite advanced compared to the European or American counterpart. I would have no reasons to carry my wallet around nowadays.

@TJCCBR47

Жыл бұрын

Brazil is like this, QR payments inside bank apps (here its called PIX), and almost everyone accept NFC proximity payment (I never ask if the accept Apple pay, i ask if I can tap to pay).

@ovuakporoyeabegha9816

Жыл бұрын

I'm really jealous. In Nigeria, nothing works.

@nadzminaimsalleh6985

Жыл бұрын

@@ovuakporoyeabegha9816 I would say, Malaysia had to be competitive in order for us to keep up with the post-covid economy. More payment method, more spending which directly translate to increase in economy size.

@syahminorizan8064

11 ай бұрын

Does Touch N Go wallet count?

@trungquannguyen8063

8 ай бұрын

We do that in Vietnam too. Almost every store has QR code and I can even scan by using the bank's app, I can even open bank accounts online without a debit card and still use the app to pay. Like why can't American just do that, it's way more convenient

In Spain I haven't come across any place that hasn't accepted apple pay, from taxis, buses, restaurants, shops (large and small), supermarkets etc etc, been using it as my main payment method since about 2017!

Everywhere in UK supports mobile nfc. But I guess it’s because we’ve had contactless with cards for so long.

@brianm9331

Жыл бұрын

I am in the US and was told by someone in the industry that one reason we don’t have NFC everywhere is we are early adopters of the chip and not all retailers want to spend the money (understandably) to upgrade all their terminals a second time so soon after the last upgrade.

@paulsi1234

Жыл бұрын

@@brianm9331 if it’s not long since you upgraded terminals for chip cards, how are you early adopters? We had NFC cards years ago, I’ve yet to find anywhere in Australia that doesn’t take Apple Pay, I don’t bother asking, I just use it.

My bank provides its own app. When the app is open my phone is detected as Visa card by any NFC. App shows confirmation prompt on screen to complete payment for any amount. Phone has to be unlocked. Bank alternates between Visa and Mastercard when their contract is up for renewal. App supports adding multiple cards (personal and business). The device like the one you showed will get nothing if the app isn't on and trigger that configuration prompt when the app is on.

I've never asked if they accept Google Wallet in the shops in the UK. I assumed that if they accepted Chip and Pin it will work and it always has done. The banks and government have increased our tap and pay limit to £100 which I think is too high . I'm not sure if Google have increased this without the need to unlock the device or not. I would prefer the option in the app to disable payments without unlocking completely.

Almost everywhere I go in Canada accepts my apple pay since 2018 😅 every time I go to the US, I’m still shocked how many stores don’t accept apple pay

@wlonsdale1

Жыл бұрын

The us per capita is much larger and we have this thing against big brother

@dougpatterson7494

Жыл бұрын

Basically anywhere that has tap in Canada will allow Apple and Google pay to work. In 2015 smartphone payments weren’t common yet but I had the opportunity to travel to the US and spend almost 4 months in Europe. I was shocked that merchants in Eastern Europe were more likely to have chip debit/credit readers than American stores.

@anitazuniga9836

5 ай бұрын

Sad about USA we are so behind technology from other countries that other countries are using certain technology that the USA is barely using in 2024

Australia here.. I do not own a wallet. Have not carried a credit card in maybe 5 years... if a store takes any form of card, Apple/Google/Garmin/Fitbit whatever payment just works.

I use both. I find having it on my iPhone handy though because I can leave my physical card with my wife so she can use it to pay for dinner while I run into a store real quick for anything we forgot and pay my apple pay for the same card. You didn't mention that some banking apps let you view your card via their app and even store your CCV with it.

Here in Australia I haven’t come across a shop that didn’t accept Apple Pay I pretty well never use my wallet at all, and our drivers licence also is on our phones if you want.

I don't use a mobile wallet, essentially because I don't always have my phone with me. I regularly leave my phone at home (mostly because of forgetfulness) but my wallet is like my keys - I never go anywhere without them. When I don't have my wallet and keys I feel slightly naked, but I don't have that feeling when I'm out and about without my phone.

Here in Australia I have never even thought to ask if they except Apple Pay. It just works everywhere here mostly

Gpay and Apple Pay are all accepted all over chile all card terminal were updated to accept them and the banks ran a campain to replace all old terminal so here it's all over the place and the only time where i had problems was at a supermarket where my banks card did was not accepted but trying another card (on Gpay) worked perfect, (prepaid credit cards are sometimes not accepted at gas stations or supermarkets, but normal debit and credit cards on gpay work fine in my experience)

I know that we should try to avoid a cashless society but I very rarely carry any. On the subject of wallet carrying I agree with the points made in the video. I use mobile payments where possible but carry my cards almost all the time. At some point I will enter a store or try to use a service where mobile payments aren't accepted even though mobile payments are widely accepted in my country.

no issues in Canada, almost everything is NFC; cant recall the last time i ran across a terminal that didnt have tap/mobile. Only time i pull out a card is if its for something that exceeds the limits to Mobile.

3:54 You can store your CC info in a locked note in Notes on iPhone or OneNote on Android. You can then only access the note using biometrics / password. Availability is an issue in the US but it will eventually be solved because it **is** the future as the payment monopoly will be broken, like it is internationally. I use GPay whenever I can because I can review my purchases by merchant across all cards. This makes it really easy to find out how much I spent on groceries at the end of the month because GPay consolidates all the info for me. I don't have to look at different CC statements.

@systemverilog99

Жыл бұрын

On my iPhone I have my CC info stored in my keychain - the only info that's not stored is the CCV number

Thank you for sharing.

So useful Liron! Thanks.

Seattle - mobile pay is pretty ubiquitous here. I carry a physical card with me in case I run into Fred Flinstone.

@blindpilot3849

Жыл бұрын

😂

@LeeGrill

3 ай бұрын

Spits out coffee reading comment! 😂

The thing that holds me back from not using Apple Pay is the fact that I only have a debit card so if I for some reason had to cancel the card it would be a pain, but if I had to cancel a credit card I would not have a problem with it because it is not hard to replace if needed and would not impact me in any way .

@tomsam1314

6 күн бұрын

This literally isn't the case?

This was really helpful and valuable.

You've got to be careful with everything, i use my phone with nfc and a uk bank app, and I have my cc next to a nfc blocker card in my wallet, the only other thing I would suggest is have notifications turned on for your bank and cc so you can monitor whats going out of your account dynamically. Good video, thank you.

Question: can I pay a credit card bill with Google pay? I have a checking account. My first time with paying credit card bill online, never done it before. Thanks

Here in South Africa, I use Apple pay all the time but as you've said, there are many places that don't accept it - I would guess around 50% do not accept Apple Pay, especially if I use my American express card. For some reason more places accept Mastercard. Online shopping is the worse, I've only been able to use Apple pay at one online site.

Very informative! thanks you for sharing

I guess no problem in Europe as we have been paying contactless with the NFC system for years now. I hardly ever use my creditcard (only to book plane tix and hotels) so I have a virtual debitcard on my phone. I tend to use different coats and bagpacks where I place the card (because I don't use a real wallet - no cash) so in case I don't have the plastic card I can still use my phone.

תודה, לירון! I'm leaving my physical wallet at home, most of the time. Here's in the UK&I it's available at almost all shops (99.9%) as I'm using mobile wallet for everything nearly 2 years. You're indeed right, not all countries are the same as I've had no option to use mobile payments in the US at about 50% of businesses..

@Rhaspun

Жыл бұрын

I won't do that until my license can be included in my electronic wallet. Hopefully the state can work something out with Apple since I use an iPhone.

I use both but I’ve down sized to a ridge wallet with just a couple of cards and my license.

I keep my credit cards in one of those sleeves that prevents the cards info from being read.

@hobosnake1

5 ай бұрын

You can still get your card skimmed. I use my card anyways, but I am interested in maybe doing apple pay if I get an iPhone.

If you have the Apple Card you can get the virtual card numbers from the card details in the wallet app just giving you some more information for future.

Great videos as usual

addoption is maybe in US, here in EU every store where you can pay with card always work for Apple Pay ( idk google pay but apple yes )

Also in many retailer here in Belgium have a QR code which you can use to pay incase you dont have your card with you or dont have apple pay. Open your bank app and just scan the code and voila.

I've been looking for gas stations with the ability to tap or using Apple Pay. I've had my credit card information stolen when swiping it one time years ago. I was able to correct the charge with a phone call. But after than I started for looking gas stations that can handle as a minimum the tap feature and often times they will also use Apple Pay. No problems for the past several years.

As a person that using Google pay that I have nfc off until I open the wallet app that it turns nfc on automatically the making it that it's safe so nfc's off all the time until you enter the app and my phone is locket 24/7

Every major supermarket or grocery stores accepts Apple or Google Pay if they accept NFC payments via credit card here in Germany. However, credit card acceptance is still lackluster outside of major retailers such as restaurants or smaller places which don’t have a high amount of customers

I use google pay everywhere in Canada but it fails miserably in the US. The states has always been a decade behind the trends. Still had to swipe and sign in some places

@gwine9087

Жыл бұрын

The US seems to be the last major country that has issues with contact payments.

@alexandremoura257

Жыл бұрын

Once, about 15 years ago I went to US and for payment the did it. I was insane to me. I never use this in Brazil, I only remember when I was younger that it was a thing (swipe and sign)

@gwine9087

Жыл бұрын

@@alexandremoura257 Most places, in Europe and in Canada were using contact payments before the US.

Most places here in NZ offer GooglePay and ApplePay, as do most of the bigger retailers. It is not often that I use the credit card now and cash barely ever!

3:00 In Russia, there is a law that obliges banks to set up bank terminals to accept contactless payments (including via a smartphone). Therefore, if the store has a terminal, then in any case you can pay with Apple Pay / Google Pay / Samsung Pay (before sanctions). Thanks to this, the number of places where Apple Pay is accepted (6 months after the launch) in Russia overtook the number of places in the USA (Apple Pay has been there for 2 years already). P.S. After the imposition of sanctions, almost nothing has changed (Google Pay was replaced by MirPay on Android)

Useful thank you

Acceptance is not an issue in São Paulo, major Brazilian city. I would say if I find trouble to use NFC, credit card also would be an issue. Use it outside the major cities here is not a nightmare too, so, I think this topic has different answers depending were you address it.

Thank you . I was considering using apple pay but was not sure ,now you helped me . This what i am going to do ,the main credit cards in apple pay and the one with limited funds and credit that i use for online shopping in my wallet .Thank you very much Liron . Happy holidays .

@lucyalderman422

Жыл бұрын

The reason I don’t use any phone wallets is that they require wifi or data data in Canada is expensive and I am low income

Hey Liron, could you do a video on virtual credit card numbers. My credit card co. wants me to setup a virtual credit card number to use online but I don't know enough about it to set this up. Thanks!

Guess that depends on the country. I'm in Scotland and haven't carried a physical card since Apple Pay came out a few years back. The only places that catch me out are self service petrol stations because they don't accept contactless. Probably because until Covid it was limited to £30 but now is £100 and many locations have no limit on Apple Pay/Google Pay since the technology is more secure. I was amazed when I went to the US how backwards their banking is. I used Apple Pay and they still wanted me to sign 😂 so yeah, I think it currently depends on the country you are in.

@CityLifeinAmerica

Жыл бұрын

I find myself having to sign for Apple Pay a lot at restaurants. Not elsewhere thankfully.

Very well explained 👍

It's an American issue, pretty much any other country doesn't have this issue. It took us ages to just get a chip on our cards, let alone stores that accept it.

@rickycosman33

11 ай бұрын

Had chips on Panama cards way before U.S cards. Strange.

Here in kuwait everyone and all shops restaurants and retailers accept contactless payment and apple/googe pay

Come to NZ, mobile payments in 95% of our stores....my wallet stays at home 99% of the time. If a shop does not support payeave, I generally don't shop there or use their services.

It was interesting and fun watching. Nice one

Why does GooglePay not work for contactless payments o. An iPhone even with the Google Pay app?

In the Czech Republic, almost all payment terminals are contactless. So G&A pay is no problem.

Yes, I leave my wallet at home. I forgot the last day when i paid in cash ever since UPI facility started in India.

I’ve used Apple Pay with my maybank card from Malaysia and some retailers that use Apple Pay, some cashiers wouldn’t know that there’s a Apple Pay feature, Apple Pay uses the same tech as visa paywave

I still have to carry my card with me. Some gas stations pumps only seem to work half the time here with my mobile in Texas, USA.

Have an Rsl card loaded into Wallet app on my android. If you dont write down the balance when you first start using the card, you cant get the balance of funds available. You can see transactions when u start but cant get a balance. So write down how much you have spent and deduct it so u know what the balance is. The help info on wallet tells you to contact you financial institution, but that cant be done if for example an Rsl rewards card is given to you.

The question is not IF Apple Pay/ Google Pay works. We know it does. The question do you leave your physical credit cards at home or do you still carry them "just in case"?

@dm8579

Жыл бұрын

I used to carry them "just in case", but now I have started to leave them at home since most places here are accepting Apple Pay and Google Pay.

@CeeMKE

Жыл бұрын

I carry my wallet 60% of the time just in case. Looking to lower that in 2023.

@systemverilog99

Жыл бұрын

NFC POS terminals are ubiquitous in Canada so most of the time I don't carry my wallet. For payments that exceed the NFC limit, you do need your card, but we've had chip-n-pin here for more than a decade, so this is already more secure than magstripe+signature that's still the norm in the US. I don't think I've seen any wireless POS terminals in the US at all - we've had them here for a long time.

@chrislee16228

Жыл бұрын

I always carry a debit and credit card just incase the battery dies

@systemverilog99

Жыл бұрын

@@chrislee16228 usually when I'm using just my phone there's enough battery anyway :)

For the security part I use iPhone and I can confirm that you can’t use Apple Pay with-ought unlocking your iPhone. In my area DFW the places that don’t have it are Walmart, Sam’s Club, and Kroger every other company has mass adopted it here in the last couple years including gas stations.

@3:55 not entirely true you cannot view all credit cards in your wallet in iOS. With the Apple Card you can open the wallet and see the full "card number" which is associated with your Apple Card (which in reality is a Goldman Sachs backed Mastercard account). This ability is offered in the event you encounter a point of sale where you can't use contactless Apple Pay and don't have the physical card either. But in response to your other question, yes I continue to haul around my physical wallet as well. At 55 old habits are hard to break.

I like using my apple card at restaurants when giving it to the server. It doesn't have the number printed on it, and generates a number at point of sale. It's high interest though, so i pay it as soon as i can.

Well I live in uk and the city I live in I have never find any business, not take Apple Pay. That includes restaurants and pubs even the public transport takes every contactless method there is they is only one problem we have a limit on our bank cards and if we go over that limit we have to use chip and pin because contactless will not work and some businesses will limit Apple Pay and Google pay to that amount

Small tweak. Mobile wallets store a virtual card number that doesn’t change. There may however be a cryptogram involved that identifies your transaction. Think of it as a one time password. The chip on your card does something similar hashing your transaction details with a secret code on your card only your bank knows. It’s a more advanced way of proving you physically have the card on hand.

@wlonsdale1

Жыл бұрын

It’s a token

It's very interesting to see how apple pay / google pay are not that accepted throughout the US, in Europe I rarely carry my wallet

@fritzlb

Жыл бұрын

I would too but in Germany there are way too many places left that only accept cash xD But at least pretty much every store accepting cards allows NFC payments

@rsupremexx3971

Жыл бұрын

Idk where it’s not accepted but I live in New York and rarely use cash due to mobile payments being available everywhere including train/bus station

Both of these and PayPal can be connected directly to your bank account using routing and account number. I do this so I have a digital payment method when my credit cards have to be canceled due to online fraud. It happens. During the 10 days it takes to process a new card GP and PayPal are the only connection I have to my money.

Where I work, we accept Apple Pay, but not Google. However, I recently had two customers who attempted Apple Pay, but the payment wouldn't go through. We then had to resort to payment with their cards. I don't know what caused the failure, since the cards they used were the same ones they had set up for Apple Pay.

@suqmaddiqq

Жыл бұрын

Not sure why there would be a major distinction made between Apple Pay and Google Pay there. They work in almost the exact same way, with the same technologies and terminal handoff...

@Rhaspun

Жыл бұрын

@@suqmaddiqq Yes. One would think it should. But maybe the location hasn't work out an agreement with Google. It's like how ViSA could be accepted but Mastercard isn't or vice versa. The business hasn't set it up yet for Mastercard to work.

I use Google Pay, sometimes, but I still, carry the cards. I can see a future where I will carry one card only. As for online, PayPal does the trick in most instances.

@mhoobag1

Жыл бұрын

The future is already here. Its called Curve Card. Been using it for years and you can load it to Apple/Google pay.

Here in UK, mobile payment is everywhere. So have totally ditched my wallet. Only use my card when transaction volume is high and above the contactless value.

@LironSegev

Жыл бұрын

So still carry the cards or leave them at hone?

@prashantbittu

Жыл бұрын

@@LironSegev Fully leave them at home. Have been doing it for years. Initially faced similar challenges that you described. So used to carry a bit of cash. But even that stopped during covid and now it’s just the phone. Haven’t faced any major issue and is absolutely amazing experience.

So what’s to stop you from taking a photo of your Credit/ Debit card ( should you need them) and then using the hidden photos feature on a iPhone to hide the image? Can you manually input your card details into a POS card reader in the US? ( not forgetting the 3digit security code on the back.

@EricLooksLost

Жыл бұрын

Many retail POS can technically accept typed in card numbers but the card must be present per industry policy. The stores bank would require the card’s numbers be physically copied with an emboss card reader/ink machine to prove the card was present.

Hello 👋🏽 On Google Pay how did google get my social security number?

I'm in the heavily populated south eastern area of the UK and I leave my cards at home. Never had a problem with Google Pay 👍

In the UK, everywhere in my city takes Apple + Google pay

Brazil is more robust with this problem, we have QR code payments inside bank apps (here its called PIX), and almost everyone accept NFC proximity payment (I never ask if they accept Apple pay, i ask if I can tap to pay).

In the uk, if you can pay with card, you’ll be able to pay with phone.. I have been using Apple Pay for years and never been told I can’t use it... In fact, I don’t even carry my cards with me anymore

So the reason is that... It might not be accepted sometimes? 😕 Usually it's either cash only or card/Google pay in any merchant that I've been to for at least the past 5 years. This might be a US-centric video.

In South Africa, Apple Pay is expected everywhere. We don’t even ask if you accept Apple Pay. Plus all our bank support virtual card that can be replaced anytime for free

Not working on my mobile phone NFC Oppo A17 is Google pay Wallet 😢

I don't use much on my cellphone but I was quite impressed with apple pay demo I had from my kids, they say it gets verification from facial recognition when you pay, is that not right? if it does it seems pretty secure to me although I agree it probably has limited places that accept it

@tomsam1314

6 күн бұрын

Yes that is right! It's usually accepted anywhere that accepts contactless... which is everywhere!

It is used everywhere here in Australia. Much prefer it over just using cards for the reason you have stated that mobile pay using the phone is way more secure than a card.

What about Skimmers, like the ones scammers put on swipe devices at gas stations etc, does Google Pay protect against that???

here in the netherlands everywhere where you can pay contactless, apple pay is supported (idk about google pay as i dont own it)

@martijn_sch

Жыл бұрын

I use Google Pay in the Netherlands (werkt prima! 😉 )

Here in Australia I've never found a place that didn't accept "tap and pay". Everyone accepts gpay and Apple pay. Most of the time I leave my wallet at home. My drivers license is also on my phone.

Great Video 🎉

Iceland seems to be ahead of the curve compared to the USA. It was so awesome to just to use wireless payment.

What stops somebody with a NFC card reading device, from bumping into people in crowded area to farm small payments ?

@LironSegev

Жыл бұрын

nothing - and it happens at a confined spaces like a bar where people crowd together and have to wait so you have time

I wich I could ditch my wallet but as of yet no digital version of my driver's license or ID-card exist so I might as well have my other cards in it. Though I honestly couldn't tell you when I used my credit card and not Google pay...

what about using a virtual paypal card or using paypal online versus using ur actual credit card?

@oldbastard2149

Жыл бұрын

Makes perfect sense.

LIRON I DONT UNDERSTAND IF YOU LOOSE YOUR PHONE HOW DO YOU DISABLE? IF YOUR PHONE IS NOT LOCKED CAN ONE FIND THE PHONE MAKE A PAYMENT? ALSO IF YOU MORE THAN ONE CARD HOW DO YOU USE IT? LIRON I LOVE YOUR VIDEOS TODA MW

Here in Kuwait, Basiclly every store accept contactless payment, Just ask for a card payment not "Apple pay" or "Google pay" and it will work fine, The only places that dont accept it are those who dont accept card payments at all.

Hm, I have never met a shop where I could not use my phone to pay with. And it's interesting with the online payment, that here in Hungary, it is actually prohibited to put a simple form on a webshop's UI to get credit card data. You MUST use a gateway provided by a bank etc. like Paypal, Barion, PayU, SimplePay (which is powered by a famous bank) etc. So literally there's no way here to run into these issues. 🤘🏼 Anyways, we can still carry our physical cards in a protector sleeve you have a video about, too. 💙

keep it up the content is pleasing to view, i use iphone 13 pro max with apple pay and i wish i could do all payments with it but i do keep my id on back of phone and on top of it magsafe apple wallet with my 2 main card and driver licence ticket and bank i keep my main in middle so no stealing happends first card is ticket which i usually keep empty and toward magnet my licence all on my iphone for easy carry

It must be at least 4 years I’ve been using my Apple Pay on my iPhone for everything.. never had a problem using it in the UK