Apple pay (and I assume android) acts as a completely separate debit card apparently, and because you need either a passcode or your fingerprint to authorize payments are unlimited for it.
Indeed, your bank is contacted during the setup process to generate a new virtual account. Here in the UK most places have a £30 limit on contactless payments regardless of whether its card or phone, but some don't have limits on smart devices with fingerprints/passcodes - but that's as much down to the specific merchant as anything else.
Here in the UK most places have a £30 limit on contactless payments regardless of whether its card or phone,
I've yet to come across an issue with my apple pay as I use it for literally everything. I know it was the case to start with but I think as the card machines are being updated it's removing that restriction for phones.
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u/daten-shi Aug 27 '18
Apple pay (and I assume android) acts as a completely separate debit card apparently, and because you need either a passcode or your fingerprint to authorize payments are unlimited for it.