I did an informal survey in several countries on a trip in 2016 and at that time, many of the merchants and hotels had never even heard of Applepay or tap-based transactions. It may also depend on whether the payment method selected in the phone is using a credit card for the purchase rather than a debit card. I expect the answer depends on a variety of factors, as different countries, banks and merchants may or may not accept that type of payment. I wouldn't take my phone out in Venice to try to top up my resident travel pass (it has never taken up swimming and I don't want it to start) and I can't remember if I inserted the chip & PIN in the ticket machine or tapped it. Italy likes cash, but I've never had any problems with cards for larger purchases. Luxembourg is half and half, not much Apple Pay - although knowing them I am sure it is just around the corner if not already there - but plenty of contactless. No cash needed, and no ticket machines either. Every verkehrsverbund (regional transportation authority) and DB and private rail companies all have excellent apps which after linking a card issue pretty much anything you need for transportation on your phone, either a QR code or within the app. Interestingly I don't use cash on German transportation. I always keep plenty of cash handy in Germany - I find it easier than cards except at Media Markt (I'm astonished that they not only don't take contactless but I've never spoken to anybody in one who had heard of contactless), hotels, and biergartens. I'll be back there in a couple of weeks so I'll see if it has changed. I am continually surprised by how few places of any size or sort in Germany accept contactless and I don't think I have ever been able to use Apple Pay. I don't remember ever having an opportunity to use contactless in Netherlands or Belgium. I haven't paid in the shop for fuel for several years. I haven't run up against a contactless limit there but most purchases I make in France are fairly small, and it is always chip & PIN at the fuel pumps. My experience is that a high number of places wherever I have been in France recently are contactless is quite common, and Apple Pay is accepted most places that contactless is. Pay At The Pump is always insert the chip & pin. I've in the past couple of years used Apple Pay in a John Lewis to buy a very large TV, laptops, iPads, and a new iPhone and new Android - just a tap of phone and wander down to Customer Collections.īuying fuel for the car if I go inside some supermarkets limit the Apple Pay to less than £30 so it is insert the card with them, others it is just a swipe of the fone. John Lewis department store, like many places, has a very high limit on Apple Pay. I carry a few Pounds in my wallet just in case but very rarely take them out - or even my wallet for that matter. Many of the rest are contactless card, and a very few require the actual chip and pin. Over 90 percent of my purchases in the UK are by Apple Pay.
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