# Difficulties paying TFL with Monzo (and other cards) with Apple Pay on Apple Watch **URL:** \ **Category:** Monzo Chat\ **Created:** [21 March 2019 10:32 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115 "2019-03-21T10:32:30Z")\ **Posts on this page:** 16\ **Page:** 3
**Author:** ![Justin](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/justin/32/47892_2.png) [@Justin](https://community.monzo.com/u/Justin)\ **Post date:** [14 May 2019 06:15 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/42 "2019-05-14T06:15:26Z")
I read the instructions, and found them helpful in understanding where in iOS to set up the Express Travel Card functionality - and thought they may be applicable here. Will know in half an hour… EDIT (30 mins later): they weren’t, for the reasons given later in this thread 😟 I did, however, get to hear quite a few tuts as the queue behind me lengthened while I tried 😉 ---
**Author:** ![chistery](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/chistery/32/8860_2.png) [@chistery](https://community.monzo.com/u/chistery)\ **Post date:** [14 May 2019 06:39 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/43 "2019-05-14T06:39:33Z")
> **[Where you can ride transit with Apple Pay](https://support.apple.com/en-gb/HT207958)** > > Learn where you can use Apple Pay to pay for transit on your iPhone and Apple Watch and where you can use Express Transit mode. ---
**Author:** ![Justin](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/justin/32/47892_2.png) [@Justin](https://community.monzo.com/u/Justin)\ **Post date:** [14 May 2019 07:33 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/44 "2019-05-14T07:33:05Z")
Yes, I see now. Express Transit mode not yet available in the UK. Hopefully it won’t be too long… ---
**Author:** ![Feathers](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/feathers/32/45868_2.png) [@Feathers](https://community.monzo.com/u/Feathers)\ **Post date:** [14 May 2019 14:29 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/46 "2019-05-14T14:29:00Z")
I think copying someone else is the exact opposite of innovation! ---
**Author:** ![brian.me](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/brian.me/32/73961_2.png) [@brian.me](https://community.monzo.com/u/brian.me)\ **Post date:** [15 May 2019 14:29 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/47 "2019-05-15T14:29:35Z")
Have you updated to iOS 12.3? You can now get Express Transit Card. ![image](https://cdck-file-uploads-global.s3.dualstack.us-west-2.amazonaws.com/monzo/original/3X/5/4/5414321a26ac9f4a786ff94b376f9a8f6d7a81cc.jpeg) ---
**Author:** ![walderston](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/walderston/32/955_2.png) [@walderston](https://community.monzo.com/u/walderston)\ **Post date:** [15 May 2019 14:47 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/48 "2019-05-15T14:47:03Z")
@brian.me you can setup the Express Transit card however it will _not_ work on TfL / in the UK currently. Express Transit is only available in: ### China mainland - Beijing: [Beijing Transit cards](https://support.apple.com/kb/HT208538) - Shanghai: [Shanghai Transit cards](https://support.apple.com/kb/HT208538) ### Japan - All forms of transit that accept [Suica](https://support.apple.com/kb/ht207154) ### United States - Portland: [TriMet](https://trimet.org/hop/phone.htm) accepts payment cards in Wallet > **[Where you can ride transit with Apple Pay](https://support.apple.com/en-us/HT207958)** > > Learn where you can use Apple Pay to pay for transit on your iPhone and Apple Watch and where you can use Express Transit mode. ---
**Author:** ![brian.me](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/brian.me/32/73961_2.png) [@brian.me](https://community.monzo.com/u/brian.me)\ **Post date:** [15 May 2019 21:30 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/49 "2019-05-15T21:30:56Z")
I never knew this! Thanks. 😃 ---
**Author:** ![TTJJ](https://avatars.discourse-cdn.com/v4/letter/t/5f8ce5/32.png) [@TTJJ](https://community.monzo.com/u/TTJJ)\ **Post date:** [16 May 2019 04:25 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/50 "2019-05-16T04:25:01Z")
> [@walderston](#): > > ### China mainland > > - Beijing: [Beijing Transit cards](https://support.apple.com/kb/HT208538) > - Shanghai: [Shanghai Transit cards](https://support.apple.com/kb/HT208538) Also works with UnionPay Contactless Debit (QuickPass) cards in cities which allow card payments directly at the barriers. ---
**Author:** ![walderston](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/walderston/32/955_2.png) [@walderston](https://community.monzo.com/u/walderston)\ **Post date:** [16 May 2019 09:25 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/51 "2019-05-16T09:25:13Z")
The list (which I took it from the Apple support website 😉 ) is where ‘Express Transit’ is supported and **not** about ‘standard’ ApplePay. ---
**Author:** ![Justin](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/justin/32/47892_2.png) [@Justin](https://community.monzo.com/u/Justin)\ **Post date:** [16 May 2019 09:42 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/52 "2019-05-16T09:42:21Z")
To summarise, going back to the original topic of this thread, I’m definitely finding that the issue of Apple Pay only working intermittently at TFL gates is helped by both of the following: 1. Double-clicking to initiate Apple Pay a good 5 seconds before reaching the ticket barrier 2. Being aware that some gates appear to work better than others. On my regular routes, remembering which gates appear to be the most problem free 3. If at first the gate refuses to open, keep holding my watch on the sensor for 1-2 seconds longer, at which point it often changes its mind and opens Grateful for anything else any of you has observed! ---
**Author:** ![Avionyx](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/avionyx/32/38064_2.png) [@Avionyx](https://community.monzo.com/u/Avionyx)\ **Post date:** [16 May 2019 09:45 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/53 "2019-05-16T09:45:58Z")
Sounds like a hardware/connectivity issue with the gates then? ---
**Author:** ![Justin](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/justin/32/47892_2.png) [@Justin](https://community.monzo.com/u/Justin)\ **Post date:** [16 May 2019 10:43 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/54 "2019-05-16T10:43:42Z")
That’s the current theory that’s going around - as I understand it - or possibly more an issue with _some_ gates ---
**Author:** ![Webby53096](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/webby53096/32/60325_2.png) [@Webby53096](https://community.monzo.com/u/Webby53096)\ **Post date:** [16 May 2019 13:52 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/55 "2019-05-16T13:52:32Z")
From what can be seen from different sources online. The Series 4 uses a newer NFC/contactless chip. TFL’s readers basically don’t like it. There’s a macrumours forum about it that I’ve linked to 🤓👌🏻 [MacRumours - Apple Watch Series 4 & TFL](https://forums.macrumors.com/threads/anyone-else-having-issues-with-series-4-on-london-underground.2143363/) ---
**Author:** ![Mila](https://avatars.discourse-cdn.com/v4/letter/m/f6c823/32.png) [@Mila](https://community.monzo.com/u/Mila)\ **Post date:** [15 September 2019 11:03 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/56 "2019-09-15T11:03:59Z")
Hi there, I’ve recently received Monzo card and connected it to Apple Pay on my iPhone 7. It does work with supermarkets and shops/ cafes in general. However, I run into issues in public transport - TFL and buses all the time. I don’t believe the issue is with Apple Pay or transport systems as it worked perfectly with my Lloyd’s card. However, it seems the compatibility issue between transport electronic payment system and Monzo themselves. Wish it could be resolved as literally 5 minutes ago couldn’t pay on the bus and would have to start using my other card instead, so transport expenses won’t appear in Monzo budget. ---
**Author:** ![Perki\_ALP](https://avatars.discourse-cdn.com/v4/letter/p/6a8cbe/32.png) [@Perki\_ALP](https://community.monzo.com/u/Perki_ALP)\ **Post date:** [9 January 2020 00:21 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/57 "2020-01-09T00:21:18Z")
> [@Difficulties paying TFL with Monzo (and other cards) with Apple Pay on Apple Watch](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/27): > > Instead of an Apple Watch, I use Apple Pay on my iPhone and on occasion (although not for a while crossed_fingers) I’ll get a ‘Seek Assistance’ and if I remember correctly the code was 99 for the majority although I think there was another number but cannot remember. I would get the confirmed Apple Pay on the iPhone but barriers would not open. Could this be with presenting too soon to the gate? Following on from the previous message, I’ve recently been getting (and on more frequent basis) the ‘Seek Assistance / Code 99’ when touching in/out. Since the last time, I now have Express Transit turned on. Occasionally when touching in/out with Express Transit turned on, I’ll get a failure directly from Apple Pay, leading me to have to use TouchID to go through the barrier. @Rika ---
**Author:** ![system](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedf2f7852aef6ffcd99f29eac49128cfbd2ecc3.svg) [@system](https://community.monzo.com/u/system)\ **Post date:** [7 July 2020 00:35 UTC](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115/58 "2020-07-07T00:35:09Z")
Closed on 7 July 2020 00:35 UTC This topic was automatically closed 180 days after the last reply. New replies are no longer allowed. [Previous page](https://community.monzo.com/t/difficulties-paying-tfl-with-monzo-and-other-cards-with-apple-pay-on-apple-watch/63115.md?page=2)