For goodness sake Tesco, sort your '[insert generic name] Pay' out.

Feek · 19 Dec 2022 at 22:22

Tesco must be one of the only places left who still have a limit on payments by Google/Apple Pay.

My bill came to £100.04 so just over their crazily arbitrary £100 limit for Google/Apple Pay.

/end rant.

Feek · 20 Dec 2022 at 08:38

Hotwired said:
That would be very odd if individual stores of Tesco had different limits.

They don't, it's company policy.

Feek · 20 Dec 2022 at 12:32

Hotwired said:
Maybe tesco is different.

Yes, Tesco have a stupid £100 limit for Google/Apple Pay which was only raised to £100 from £40 fairly recently. Hence this thread!

Feek · 20 Dec 2022 at 14:35

something daft already!! said:
You could have paid 4p in cash.

Not when I had zero cash I couldn't, nope.

ChrisD. said:
I'm sure I've paid for shops/fuel over £100 with Apple Pay without any issue, but recently it tells me it's over the limit and I have to use my bloody card.

Yeah, probably. Not in Tesco though.

Feek · 20 Dec 2022 at 21:05

Harlequin said:
Google / APple pay limit is £250 , that £100 is for cards being tapped.

You’re wrong. I’ve spent significantly more than £250 using Apple Pay but not at Tesco. Tesco have their own £100 limit when using Apple/Google pay or contactless.

Feek · 20 Dec 2022 at 21:30

Harlequin said:
Ok, if thats your thought - im a service team manager for Tesco and the google pay limit (and apple pay) is £250 and £100 for contactless with card; we can split card payments but not apple/google pay.

It’s not ‘my thought’. It’s not possible to pay more than £100 at Tesco using Apple Pay via a watch or phone.

I’m not lying, there are notices by the self service checkouts where this limit is shown.

If you do it using the Tesco Pay+ app, that’s a different matter but I’m not talking about that.

Feek · 20 Dec 2022 at 21:39

Harlequin said:
Again im sorry but you are wrong. Google pay and Apple pay limit in store in £250 and has been for about 18 months now. Any problems with payment is down to your card issuer and not the supermarket, who will happily accept payment. Its the same mis understanding about pin checks - its the bank asking for them not the supermarket. I suggest you contact your bank to find out why the transaction was declined.

For goodness sake.

The checkouts have a note next to them saying there’s a £100 limit.

If your total is more than £100, you don’t even get the option to pay by Apple Pay or contactless.

It’s not a case of a transaction being denied, the checkouts won’t even allow that transaction to be attempted.

How is that so difficult to understand?

/edit - someone’s even posted a picture above showing that limit. :rolleyes:

Feek · 20 Dec 2022 at 22:01

Harlequin said:
Oh dear - that `limit` is for contactless card payments, as is set by the government, not by the retailer (who, will happily take your money). You need to contact your card issuer to find out why the payment is being declined ; again the retailer wants your money. Apple pay and Google wallet payment limit is £250 in Tesco and £10000 in Sainsburys. Please contact your card issuer.

Yet again.

The payment is NOT being declined. If the value on the till is above £100, the option to pay by Apple Pay is NOT offered.

How is this so difficult for you to understand? You keep talking about declined payments and to contact the card issuer but that’s totally and utterly irrelevant when the tills in Tesco do not allow one to use Apple/Google Pay when the transaction is more than £100.

The payment isn’t declined because it’s not offered.

I don’t know how many times I need to repeat this before you read what I’m writing.

Feek · 20 Dec 2022 at 22:22

@Harlequin

Are you a bot or an automated Tesco support line?

Harlequin said:
You need to contact your card issuer,

Feek said:
The payment isn’t declined because it’s not offered.

It is nothing to do with the card issuer. If the total transaction at the till is greater than £100 then there is no option to pay by contactless (which I would expect) or by Apple Pay. There is an option to pay by card, one has to put the card in the machine and enter a PIN. This is fine, it works.

The whole reason for this is thread is to express my frustration that once the total value on the till is above £100 that Apple/Google Pay are not offered.

Why would I need to contact my card issuer when I haven't pushed a button to activate Apple Pay, I haven't selected a card and I haven't even got that far on the checkout?

Harlequin said:
The usual method to problem solve failed payments

What failed payment? Again, you are NOT reading what I've typed? I haven't attempted a payment, the till simply doesn't offer Apple/Google Pay for sums over £100.

If you come back again telling me to contact my card issuer, I'm going to assume you're trolling on purpose to get a reaction and even though I could suspend you for trolling, I'll hit the report button so someone else can look at it subjectively. There can be no other explanation for you saying this same thing over and over again.

Feek · 20 Dec 2022 at 22:29

dLockers said:
Was this self-checkout or with a human?

I don't recall ever selecting "Apple Pay" at a till.

It's self checkout, from what I remember, there's a single option for contactless, it doesn't specify Apple Pay, that's all lumped under the same thing. Up until recently, the Apple Pay limit was either £40 or £45 but it was raised to £100. Tesco were slow to raise this limit compared to other retailers. It's the only place I've been to where the Apple Pay limit is the same as contactless, everywhere else I've used it, there's effectively no limit. It still surprises some shop workers who mistakenly think that there is a limit but I've used Apple Pay for purchases well over £1000 in the past.

We're doing the rest of our Christmas food shopping tomorrow, I doubt very much if we'll be going over £100 then but I'll take a shot of the checkout where it says what the limit is.

Feek · 21 Dec 2022 at 10:22

Salsa said:
Suggesting reporting or suspending him for having a more informed view is comical.

I can see you've not read my posts either.

Haggisman said:
I imagine he's "frothing at the mouth" because Harlequin clearly isn't reading his posts.

He's clearly not the only one as demonstrated above. *sigh*

Feek · 22 Dec 2022 at 22:10

I have a further update to this.

This evening, I've been out to complete the Christmas shopping. I started off in Sainsbury, the total was around £160 and it went straight through on their till using Apple Pay with an associated Amex card.

Then to Tesco where the bill was just under £120. We had a little over £15 in discount coupons which took the bill down to £103.56. We were using the scan and shop checkouts.

I tried to pay using Apple Pay on my watch with three different credit cards, one Amex and two Mastercards and three different debit cards (Monzo, Chase and Starling) and each time, the machine got grumpy with the £100 limit. If anyone's interested, this was the big Tesco Express at Colchester Highwoods.

There is a small notice on the top of the screen:

I called the assistant over who said "Yeah, it doesn't work. It's never worked, the limit is still £100 for Apple Pay, that's not right". He removed one item from the basket which took it down under £100, I paid that and then made another transaction for that item.

So my thread title is still accurate.