Pay on the go using Monzo with Apple Pay


I’d be interested in knowing how many Apple Pay activations occurred today! It took a while to activate on my Watch but I’m good to go and tested it out by buying a coffee!

Thanks Monzo! Great work!

(Richard) #179

Just tried it in M&S Foodhall - first time it declined. Second time it worked. Then checking in the Monzo App I’d been charged twice for my shopping, but a few seconds later another notification came through that one of them had been refunded.

Back end systems slightly overloaded perhaps and not completing the authorisation the first time?

(Tom) #180

Interested to know the increase in #fullMonzo switches today!

(Mark) #181

Has anybody else ran into issues using World Pay contactless terminals. My first attempt with Monzo Apple Pay hasn’t worked, so still waiting to try. Barclays Apple Pay worked fine.

Maybe an issue with the terminals in my local shop as Starling does the same thing.

(Nick) #182

Could it be related to the current lack of 3D Secure?

(Rika Raybould) #183

I’d say it’s highly unlikely, 3D Secure would not affect contactless transactions at all, only purchases online. :+1:

There is no limit on Apple Pay transactions (outside of merchant contactless limits and those for your Monzo account in general), no matter what device you’re using. :slightly_smiling_face:

Apple Pay - Unlimited?
(Chris Deeming) #184

I got told in our local Spar this morning they could only take cash as WorldPay was down nationwide. Still not fixed? Jeez…

(Mark) #185

Well it worked with Barclays just not Monzo :frowning:

(Chris Deeming) #186

Huh maybe it’s a totally different incident. The woman in Spar was literally telling everyone as they walked in. Luckily they have a free cash machine in there. I never carry cash. And I now have £9.35 in my pocket which will likely soon be deposited in the depths of my sofa. It’s like a legacy/analog coin jar pot :joy:

(Jonathan) #187

Yay and finally :smiley: used it twice and both gone through fine

(Drew sanders) #188

It is about time … no actually is 3-6 months overdue. Thanks for catching up Monzo!

(Oliver Dunk) #189

I just wanted to jump in here and offer something slightly different - praise from an Android user!

This is perhaps surprisingly something I’ve really wanted. Of course, at the moment, I’m happy using Google Pay. However, the addition of Apple Pay is great as I wouldn’t want to be using a bank that I know I wouldn’t be satisfied with if I ever chose to move OS’.

Thanks to the Monzo team for the hard work that I’m sure went into this! :tada:

(Brian Moran) #190

Bloody good their systems done that so quickly with the refund though. :white_check_mark:

(Bruce Davies) #191

Cripes, what are we going to complain about now?! Well done Monzo, and thank you.

(Chris Deeming) #192

I’ve experienced a similar thing at the local pool/snooker hall. Not with Apple Pay, but I’m sure it makes little difference.

Slightly different though, I got the notification on Monzo that the transaction had gone through, but the owner accidentally hit the cancel button on the terminal before it fully completed.

Obviously I told him it appears to have gone through but was happy to go with whatever his receipt said (cancelled) on the assumption that, like most banks, it would reconcile in 3-5 working days.

To my surprise, before the second transaction went through, the first refunded.

So, I believe, it’s just a side effect of the awesomeness of Monzo.

Not sure why it declined on your side the first time, but the whole auth/reconcile/refund process is definitely a refreshing change from legacy banks.

I remember back in the day something similar happening to me in Tesco. Money was certainly not abundant for me at the time and I effectively lost £40 out of my account for the best part of a week. Tesco couldn’t help, NatWest couldn’t help, I just had to wait.


We’re that excited to have you back.

(James) #194

I may also have run into this issue - Apple Pay with Monzo didn’t work but contactless using the Monzo card did, I can’t remember for sure, but I think it was a WorldPay terminal…

(Mark) #195

Yes exactly same for me, contactless works perfectly well but Apple Pay gave a double low toned beep and just said cancelled on the display.

The Starling card does exactly the same thing!

(James) #196

Yes, I definitely remember the word cancelled appearing when trying to use Apple Pay, so it sounds like exactly the same issue. Perhaps I’ll have to give Starling a go tomorrow to be sure!


Great that Monzo has finally landed Apple Pay! Why is it necessary to ask for a SMS verification code though? Surely your Touch ID or monzo pin would be sufficient.

I also use Starling in-app provisioning Of Apple Pay and it doesn’t ask for a SMS verification code, so it feels more simple to be honest.