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Apple Pay UK faces £20 purchase limit at most retailers

Apple Pay will soon launch in the UK, but most payments using the service will be limited to £20 per transaction.

According to a report by the BBC, many banks have privately revealed that payments will be capped at £20.

This is in line with current contactless payment protocol in the UK, whereby transactions are capped to limit card fraud.

This limit on contactless debit and credit cards will rise however, and will cap at £30 starting in December.

The majority of terminals will work to a £20 cap, whether with a debit or credit card, or a contactless device,” said a Mastercard spokesperson, referring to the launch of Apple Pay in the UK.

However, some retailers will buck the trend and abandon the £20 limit as soon as the service launches.

A Visa spokeswoman said the following: “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.”

Related: Apple Pay vs Android Pay

It’s rumoured that Apple Pay will accommodate higher value transactions due to the improved security afforded by the system it operates on.

With Apple Pay, instead of passing bank details to the retailer, a simple one-off pay token is passed instead.

Also, Apple Pay on the iPhone 6 and iPhone 6 Plus works using a biometric fingerprint scanner, which theoretically prevents a third-party utilising your payment system unlawfully.

Contactless card fraud is a very real issue in the UK however, with such fraud accounting for 0.7p out of every £100 that is spent in transactions.

Apple Pay will launch in the UK in July, making it the first location outside of the US to receive the mobile payment service.

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