I can’t toggle between Mastercard and eftpos savings in Apple wallet

This new update is so stupid and I am regret updating, as I lost the feature of picking the card network (eftpos, visa) and now I cannot get cash out because visa is the default and you can’t get cash out, I was able to do it when I picked Sav, lost a good feature

It’s not the update that is causing this. Ultimately, it was changes in Australian banking regulations that necessitated changes. My understanding it’s more the merchants end, but it could be the credit card processor the merchant uses.

Did you read the Apple Support article you linked to above?

>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.<<

What does merchant chooses mean to you?

If it was a merchant or terminal issue then the physical card would not function correctly. They are.

When presented with the NFC containing data from the digital wallet the merchant is not able to make a choice. They are only presented with one option instead of two.

Dual network card: card can be used to process transactions through either the eftpos or credit networks.

Physical card: terminal sees two networks available and uses either default or merchant’s choice.

Digital wallet: terminal is only seeing the one option so can’t make a choice. It processes based on the one option it sees.

Consider a case where the merchant has chosen to route contactless transactions through the eftpos network. If the customer has a dual network card the terminal should see that and process the transaction as “eftpos savings” (this happens if you use the physical card). Currently with Apple Pay all transactions are being routed through the credit network as “Visa/Mastercard Debit” as the eftpos option is not being presented to the merchant terminal.

The merchant’s choice is not being applied because dual network is not functioning correctly with Apple Pay. The merchant is affected in the same way as the customer.

The problem is related to the information being provided by the NFC chip but it is still unclear whether it is the way the card is being provisioned by the bank or the way iOS is presenting the data to the terminal.

No one has an issue with the merchant choice part. It is out of everybody’s hands. The issue is that the merchant cannot make that choice because Apple Pay is not functioning correctly.

For a bit more background the changes that have been mandated only affect digital wallets. This is due to the way it was decided to originally implement the dual network functionality.

Apple, Google and the banks decided to give customers the ability to choose which network their transaction was processed through. The wallet recognised the card as dual network but when the NFC was presented to the terminal it only saw a single network card. This allowed you to avoid surcharges in store but still use the card for online transactions.

Due to other changes taking place it has been mandated that this choice be removed from customers and given to merchants. Dual network cards still function the same way they always have, but the way the digital wallet operates is now different.

It now has to function the same way as the physical card, presenting both choices to the terminal. Up until now it hasn’t functioned this way.

Check Settings > Wallet & Apple Pay > Default Card.

iOS 18.0.1

Have you contacted Apple Support in your country? I linked to the list of worldwide Apple Support phone numbers above.

More facsim from un elected bueacrats in Australia

The RBA is run by a dviersity hire and shes useless

This is what is supposed to happen but is unfortunately not currently working correctly.