Something I came across recently on a trip abroad was contactless and PIN. So for large purchases you’d wave the card and then tap your PIN into the reader, similar to contactless ATMs here.
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What the heck is Tesco pay?!
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It’s what we use in Tesco coz Monzo can’t bring us Apple Pay
It’s what we use in Tesco so they can track everything we buy!
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Like they aren’t already tracking you without it. 
I just know this is going to go down well here 
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And how about an “Is that all?” or a “More please!” button?
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C’mon, cut Monzo some slack… this is evidently the payment update we’ve been waiting for 
No, but on a more serious note, I’m a fan of any kind of update.
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As long as they introduce a reaction for when someone hasn’t paid up when you split the bill…
This is Monzo retaliating after the bashing it received for not introducing new features fast enough. Next up, statements printed only in emoji.
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So, Apple Pay seems to be a very controversial topic here. Specially since Monzo supports Android Pay. As someone who just moved from the Google Pixel to iPhone I agree it sucks since Monzo is my main bank account.
I’ve been thinking whereas implementation time could really be the only reason Apple Pay is not available yet. It could be but since Android Pay is supported I find that unlikely. Then I realised that every year since the launch of Apple Pay, Apple mentions in the WWDC all the banks that are going to support Apple Pay next. Could this be the reason behind of Apple Pay? If so I guess we’ll find out June 4th.
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I had a very similar thought yesterday.
I also wondered whether anything “new” would be coming in iOS 12 with regards to Apple Pay with Monzo spearheading its initial release. Something like that would certainly account for Monzo being so much more tight-lipped about it than, say, other banks have been who have seemingly at least been able to say it’s coming rather than total radio silence.
Only problem is, I can’t exactly envisage what it would be. Maybe it could be some sort of much tighter integration into iOS similar to what we’ve seen with Heallth and Home apps. Or maybe Apple are making some big technical changes that the banks on boarding process and Monzo will be utilising that or some other technical changes that are coming which Monzo are holding out for.
I literally have no idea but certainly not beyond the realms of possibility.
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First uk bank to have Apple Pay cash?
Edit: that was just an example of something Apple are doing. I don’t expect that to happen
Monzo won’t be releasing Apple Pay until at least iOS 22.3
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Monzo won’t be releasing Apple Cash, it’s too difficult for them to implement.
emoji + #tags = easy
Apple Pay + Apple Cash = too hard
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They are waiting for the next millenium to rule out any Y3K bug 
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Monzo won’t be fixing any YK3 bug, it would be easier to just close down 
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I know most of it is in jest, but I think it’s wrong to imply a lack of development ability. If Monzo can, like some other new banks, effectively do more to change banking in a couple of years than the legacy banks have in 20, I think that proves a certain amount of competency.
Whatever is the hold up will be for a specific reason that I’m sure will become clear in due course.
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I still think that this is the most likely explanation personally -
& since prepaid (whose users couldn’t have accessed AP if it was activated) just closed down, Apple Pay could be right around the corner 
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Agree, and let’s assume given it wasn’t a day-after-shutdown reveal, that they can only start certification proper after prepay shut down, so we’re now just waiting for Apple? Fingers crossed for the impending resolution of this endless thread!
Yes, Monzo are definitely willing and capable, the Google Pay setup flow had some single-use out-of-band text messages and branding in the gPay app that intrigued me technically at the time (though I don’t remember it all now). I imagine the “extras” needed to technically support Apple Pay are of similar complexity, if not identical.
I like this conspiracy theory - it would be a massive coup to have Monzo host everyone in the UK’s Apple Cash deposits!
Why am I glued to this ridiculous thread? I’ve never owned an Apple product in my life!
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