Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom

MacRumors has learned that a high-level executive at Barclays, one of the largest banks in the United Kingdom, anticipates "imminent" support of Apple Pay in the country. Apple Pay in the U.K. is expected to go live on Tuesday, although it remains unclear if Barclays will be a first wave launch partner because of its delayed negotiations with Apple about the mobile payments service.

Barclays Apple Pay UK
Apple confirmed at WWDC last month that Apple Pay will be available in the U.K. in July, but stopped short of providing a specific launch date. Recently released employee training documents have suggested the launch could come next week, on July 14, and some Santander customers were able to add their cards to Passbook for use with Apple Pay and make purchases ahead of that date.

Barclays was notably absent from Apple's list of banks that will support Apple Pay in the U.K. at launch or soon after, which presently includes HSBC, Lloyds Bank, Bank of Scotland, Royal Bank of Scotland, First Direct, Halifax, M&S Bank, MBNA, NatWest, Nationwide, Santander, TSB and Ulster Bank. The bank's subsidiary Barclaycard has offered an Apple Rewards Visa Card for several years.

Barclaycard recently expanded its "bPay" lineup of wearable solutions for contactless payments to include a wristband, key fob and sticker, leading to speculation that Barclays may be electing to use its own mobile payments services as opposed to Apple Pay, similar to how some retailers maintained exclusivity to the CurrentC platform last year. Today's confirmation, however, indicates otherwise.

Related Roundup: Apple Pay

Popular Stories

iOS 18

Apple Expected to Release iOS 18.3 Next Week With These New Features

Thursday January 23, 2025 6:41 am PST by
iOS 18.3 should be released to the public next week, following beta testing since mid-December. While the software update is a relatively minor one, it still includes a handful of new features, changes, and bug fixes for iPhones. Below, we recap everything new in iOS 18.3. Notification Summary Changes Examples of inaccurate Apple Intelligence notification summaries Apple Intelligence...
iOS 18

5 New Things Your iPhone Can Do in iOS 18.3

Friday January 24, 2025 1:55 am PST by
Apple is set to release iOS 18.3 next week, bringing further refinements to Apple Intelligence features, a couple of neat new capabilities to iPhone 15 Pro and iPhone 16 devices, and bug fixes. While not quite as packed with new features as Apple's preceding iOS 18 point releases, iOS 18.3 still introduces capabilities that aim to make your iPhone smarter and more intuitive. Below, we've...
Generic iOS 18

iOS 18.4 Beta Coming Soon With These New Features for Your iPhone

Friday January 24, 2025 8:16 am PST by
iOS 18.3 is expected to be widely released next week, and that means the first iOS 18.4 beta for iPhones should be just around the corner. Apple has previously implied that iOS 18.4 will be released in April, as that is when it promised to make Apple Intelligence available in even more languages. Below, we outline what to expect from iOS 18.4 so far. Apple Intelligence for Siri Siri ...
Apple Pay Walmart Feature

Walmart Stands Firm on Why It Doesn't Accept Apple Pay in the U.S.

Thursday January 23, 2025 7:32 am PST by
Walmart still does not accept Apple Pay or other NFC payments at its more than 4,600 stores across the U.S., and it stood firm on its reasoning for that today. A spokesperson for Walmart today informed MacRumors that its position on contactless payments has not changed since we last reached out about the matter in 2022. The big-box retailer said it remains focused on its own convenient...
apple tv 4k new orange

New Apple TV Launching This Year With These New Features

Wednesday January 22, 2025 6:01 pm PST by
A new Apple TV is expected to be released later this year. In this article, we recap rumored features and changes for the device. The next Apple TV will be equipped with Apple's own combined Wi-Fi and Bluetooth chip, according to Bloomberg's Mark Gurman. He said the chip supports Wi-Fi 6E, which would be an upgrade over the current Apple TV's standard Wi-Fi 6 support. Wi-Fi 6E extends the...
iOS 18

Here Are Apple's Full Release Notes for iOS 18.3

Tuesday January 21, 2025 4:31 pm PST by
Apple provided developers and public beta testers with the release candidate version of iOS 18.3 today, and with it comes release notes confirming what's new. While we knew about several of the features that are in the update, there are some lesser known tweaks and bug fixes. The update adds new Visual Intelligence features for iPhone 16 models, it tweaks Notification summaries on all...
iPhone 17 Pro Dual Tone Horizontal Single Feature

Kuo: iPhone 17 Models Won't Have Smaller Dynamic Island

Friday January 24, 2025 9:09 am PST by
The upcoming iPhone 17 models that Apple plans to release this year will not feature a smaller Dynamic Island, Apple analyst Ming-Chi Kuo said today. On social media, he said that he is expecting the size of the Dynamic Island to remain "largely unchanged" across the iPhone 17 lineup. His statement is contrary to prior rumors that we've heard about planned changes for the iPhone 17 models. ...
iPhone 16 Apple Store Levels

Gurman: Apple Stores Receiving 'Merchandise' Updates Next Week

Saturday January 25, 2025 5:07 pm PST by
Apple's retail stores will be rolling out "merchandise/floor marketing updates" next week, according to Bloomberg's Mark Gurman. Gurman did not explicitly say if the store updates are related to any upcoming product announcements, but he did mention that next week is around the time that Apple rolls out its annual Black Unity watch band for the Apple Watch. In each of the past four years, ...
apple power beats pro 2

Apple's First Product Announcement of 2025 is Imminent

Thursday January 23, 2025 2:48 pm PST by
It's also time for Apple's first product announcement of the year. Last year, Apple said it would be launching Powerbeats Pro 2 in 2025, and the wireless earbuds are expected to launch very soon. Powerbeats Pro 2 images found in iOS 18 code In his Power On newsletter last weekend, Bloomberg's Mark Gurman said the Powerbeats Pro 2 are "due imminently." In addition to Apple filing the...

Top Rated Comments

AngerDanger Avatar
125 months ago
I can't stop staring at the Barclays ligature ('https://en.wikipedia.org/wiki/Typographic_ligature'). It's… perplexing.



Attachment Image
Score: 7 Votes (Like | Disagree)
kdarling Avatar
125 months ago
...snip...
Hi. What Swiss-G said is correct. The merchant's bank is irrelevant. All that is needed is that YOUR Credit Card's issuing bank has made a deal with Apple and has the ability to detokenize the DAN (Device Account Number) into your PAN (Primary Account Number) which is the one on your real card.

Here, I've made a crude drawing. The red parts must match. You register your card number (PAN) into Apple Pay, and Apple contacts your card's Issuer Processor service to provision a matching token (DAN) into your device to use for payments. (left side of chart)



Thereafter, when you tap to pay, your device sends the DAN token and the OD-CVM (On Device Cardholder Verification Method) flag via NFC comms to the Merchant's Terminal.

If the terminal is updated, it can recognize the OD-CVM flag and bypass the usual contactless PIN / signature limits. Note that this standardized flag can be used by any payment method, not just Apple Pay. If the terminal is not updated, then the limits still apply.

If under (or no) PIN limit, the Merchant Terminal dumbly sends the DAN (it doesn't know it's a token because it looks just like a real account number) upstream via the Merchant's Acquirer service, through the Credit Card Brand (Master /Visa /Amex) to the Issuer Bank's Processor, where it is translated into the real number (PAN) for card Issuer Bank approval. (Alternatively, this translation can be done at the branding level.)

The approval then runs the reverse course back down to the merchant terminal and your device.

At the end of each day, the Merchant Acquirer service totals up sales - refunds, and requests each card Issuer Bank to deposit that much money (minus the Acquirer's and Brand's fees) into the Merchant's Bank, which can be any bank. The Credit Card Brand (Master /Visa /Amex) is responsible for sending a cut of the fees that normally go to the bank, to Apple.

Attachment Image
Score: 6 Votes (Like | Disagree)
PJWilkin Avatar
125 months ago
I filled an official complaint form in about their lack of support for apple pay, I had a phone call within 2 hours from Barclays explaining the situation. I laughed at how much abuse they were getting on Twitter not supporting it. I'm guessing the amount of complaints / comments being made has made them change their mind. I'm giving them until Christmas to support it or I'm off to somebody else .
Christmas ? I'm giving them until the end of next week to make a statement

If they remain silent, I'll move all my accounts to another bank
Score: 6 Votes (Like | Disagree)
Billberryjuice Avatar
125 months ago
So how does apple pay actually work?
Here you go. ('http://******.com/?q=so+how+does+apple+pay+actually+work')
Score: 4 Votes (Like | Disagree)
Azzin Avatar
125 months ago
I'd been with Barclays for about 20 years. Switched my account to First Direct when I heard they weren't going to support Apple pay at launch.
Got £100 from First Direct too, better than forking out £25 for a bpay bracelet...
Got to say I miss Barclays online banking though, they did it very well. Their iOS banking apps were also very good.
May consider switching back if they support Apple Pay.
Come on Barclays! Sort it out and win back your customers!
Now you're with First Direct, you will begin to realise quite how **** all the other companies you deal with are, when it comes to customer service.

I've been with FD since the day they launched and would never ever consider switching to another back.
Score: 3 Votes (Like | Disagree)
bpeeps Avatar
125 months ago
Good. Soon they can stop complaining.
Score: 3 Votes (Like | Disagree)