When Apple revealed that Apple Pay would be concerning the UK in July, there was one significant bank missing out on from the list: Barclays. While the business tweeted that in was in “positive talks” with Apple, it seemed odd that other major UK banks had managed to reach contract while it hadn’t. We might now understand the factor for this.

CNET reports that Barclays is intending to encourage its clients to use its own bPay mobile payment service instead. Instead of embedding a virtual card in an iPhone app, the company wants individuals to apply a sticker to the back of their phone– or bring a keyfob or put on a wristband.


Fortunately is that Barclays at least isn’t developing yet another payment platform. Although branding it as a new service, it’s in fact absolutely nothing more than the chip from a contactless card embedded into other things.

The bad news is that it provides no greater security than existing contactless cards, so will certainly be permanently based on the very same low deal limit. Oh, and if your sticker label falls off your phone, anybody who finds it can utilize it. The service likewise works in a clunky fashion, linked to a pre-paid account completely separate from your checking account, which has to be by hand or automatically topped-up when it runs low. Barclays appears to have gone this route in the hope of persuading consumers of other banks to open a bPay account too. While the move would have made good sense a year back– I ‘d have probably opened an account myself, slipping the sticker label inside my iPhone case– it makes hardly any sense less than a month before the launch of Apple Pay.

If you’re a Barclays client, letting the bank understand that this isn’t a replacement for Apple Pay may assist nudge along its talks with Apple. While Apple Pay in the UK will initially be subject to the exact same ₤ 20(quickly to be ₤ 30) transaction limitation as contactless cards, higher limitations are anticipated to be supported by brand-new payment terminals a little more down the line.

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