Card clash solutions reviewed – mobile payments, rfid sleeves and card clash wallets.

I visited TFL today to see if they would look at offering the TAP Wallet to their customers as a solution to the card clash issue. They told me that they cannot enter into commercial partnerships but they think the product is great and sent me on my way with a “good luck!”.

While I was there I told the business development manager that although the number of calls to their contact centres are levelling out at around 1500 a day the issue will not go away. It also won’t be solved by just simply educating the customer.

The reason it won’t be solved this way is because even if the customer knows that card clash is an issue they are offered no physical solution. This results in panic when at the terminal as people scramble to ensure that only one card is used. And this panic has resulted in more dropped and lost cards, longer queues and an overall negative customer experience.

In this (slightly biased) post I highlight the solutions to card clash and give them ratings for effectiveness at solving the issue.

Mobile payments / Apple Pay
Mobile payments aren’t necessarily something new – but with TFL taking on Apple Pay as a partner could this be the card clash solution? I don’t think so. The reason I don’t is highlighted in this post but in brief it requires you to have an iPhone 6 or above (or watch) which a huge portion of people don’t. It also won’t replace a traditional wallet which people are in the habit of using.
Rating: 3 out of 5

RFID blocking cards sleeves
These sleeves go over your cards in your wallet to block the signals given out by your contactless card. Only problem is they bulk your wallet out unnecessarily and are a real pain to remove if you want to switch your card of choice!
Rating: 1 out of 5

Anti card clash wallet – The Tap Wallet
My wallet is a traditional wallet with a twist. All your cards inside the wallet are protected with signal blocking technology sewn into the lining. A pocket at the back allows signals through – meaning you can put your card of choice in this pocket and easily pay with just a tap!
Rating 5 out of 5

6 Reasons Apple Pay Won’t Replace A Traditional Wallet

With the launch of Apple Pay this week, there has been a lot of talk about how the traditional wallet will soon be a “thing of the past”. For me, I just cannot see this being the case. Here are my reasons why:

  1. REACH – NFC chips are currently only embedded in iPhone 6 phones and Apple Watches.This leaves a huge portion of the country who do not have access to this technology and therefore will not and cannot use it.
  2. HISTORY – Electronic mobile phone payments are not a new technology. Samsung Pay and EE Cash On Tap are two that spring to mind. These have been openly available but are yet to take off. Also, Apple Pay in the USA hasn’t been as popular as was initially predicted.
  3. EASE OF USE – While Apple Pay will indeed make contactless payments faster, there are some stumbling blocks. For example, you still need to remove your phone and select which card you would like to use before you can pay.
  4. COVERAGE – Even though Apple have secured deals with large partners like Boots and TFL, they are still not going to be accepted everywhere. So, until this happens, people are still going to have to carry their wallets with them.
  5. HABIT – Humans are creatures of habit, and when we pay for items we naturally go for our wallet – not our phone. This means that Apple have a very tough job on their hands to convince us to break our habits – and I’m not sure people will change their ways.
  6. RISK – If you lose or break your phone (or it gets stolen) and you’re using Apple Pay, you’ve essentially lost your wallet, too. People won’t be willing to take this risk. It’s best to keep them separate, I think.

I believe that these reasons will result in a slow uptake of Apple Pay in the UK. Apple will, of course, claim this isn’t the case and that more and more retailers will sign up to it as time goes by. But until every shop accepts contactless payments there is no reason for anybody to use Apple Pay as they still need to carry their wallet with them! Having a TAP Wallet means you can still pay with the same speed and efficiency as Apple Pay. What are your thoughts?