I’ve noticed the following deficiencies in Revolut’s implementation of Apple Pay:
- Disabling “Contactless payments” in “Card security” also disables Apple Pay. There is no use case for disabling a payment method with two-factor authentication such as Apple Pay without freezing the entire card. In other words, there is no greater need to disable Apple Pay than to disable chip & PIN, which doesn’t have a separate switch in “Card security”. Virtual cards do not have this “Contactless payments” switch. Revolut has inconsistently made different security switches available for Apple Pay cards depending on whether the underlying card is physical or virtual. The security switches for Apple Pay should be consistent, irrespective of whether the underlying card is physical or virtual.
- There is no way to disable online payments on a virtual card without also disabling Apple Pay on the same virtual card. The same is not true where the underlying card is physical. This is inconsistent. Plenty of users will want to set up Apple Pay on their virtual card, because for example their virtual card is MasterCard and their physical card is Visa over which they have no choice.
- If one uses Apple Pay with a virtual card and the point-of-sale terminal asks for a PIN (rare but it does happen), then there’s no way to see or choose one’s PIN. The transaction will most probably fail. The most common scenario where this might happen is where a point-of-sale terminal imposes the national contactless transaction limit on Apple Pay, perhaps because Apple Pay is not yet launched in the country, but I’ve even seen this happen with an officially-supported Apple Pay merchant in Brazil.
- With a Revolut Visa card and MasterCard in one’s Apple Wallet, it’s impossible to distinguish between Visa and MasterCard, because the Visa and MasterCard logos are hidden at the bottom of the cards (accurately representing the physical cards) rather than at the top. Perhaps the logos ought to be moved to the top, particularly for virtual cards that don’t represent a physical card.