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Rite Aid Disables Apple Pay Support After Initially Accepting Payments

flyinmac said:
That doesn't even make sense. They got their cut. Neither Visa or MasterCard is upset. In fact, they didn't notice or care. They certainly won't be losing any sleep over it. And, they certainly won't be ordering Rite Aid or anyone else to accept Apple Pay if they want to continue to charge Visa and MasterCard credit cards.

Trying to institute a policy that requires all companies to take Apple Pay if they want to accept Visa or MasterCard would be a move that would hurt Visa and MasterCard. There would be a huge jump in stores dropping Visa and MasterCard and moving to cash only, store cards, etc. Yes, I've seen it happen before over smaller issues than Apple Pay.
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Unless their stores are located in Chinatown, I doubt dropping Visa and MasterCard would do little impact to these stores. I, for one, don't carry cash with me often. And many people I know share this habit. I don't even visit places that do Cash Only, or not accepting my Amex. I hate cash and coins change. Plus cash is dirty. And yes, I'm taking about germs.

And Visa/MC/Amex-less store card? Like you purchase gift card for each store with cash to avoid Visa/MC/Amex? Who would even use them? And how many cards to do you need to carry every time you go out? It's not like you go out for groceries and realize you need to get condoms so you go back home and get that Ride Aid gift card, just so you can say suck it Visa. or MC.
 
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Redenkeew said:
Unless their stores are located in Chinatown, I doubt dropping Visa and MasterCard would do little impact to these stores. I, for one, don't carry cash with me often. And many people I know share this habit. I don't even visit places that do Cash Only, or not accepting my Amex. I hate cash and coins change. Plus cash is dirty. And yes, I'm taking about germs.
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After moving back from an expat assignment in Australia (where card payments are the norm), I decided to go basically cash free. I carry one $20 bill in my wallet for extreme cash emergencies and only use cards otherwise. The last time I had to use cash was to get a Berry Sundae at Costco. I hated getting change back, but the bargain of a delicious ice cream treat was worth it! :)
 
BruiserB said:
After moving back from an expat assignment in Australia (where card payments are the norm), I decided to go basically cash free. I carry one $20 bill in my wallet for extreme cash emergencies and only use cards otherwise. The last time I had to use cash was to get a Berry Sundae at Costco. I hated getting change back, but the bargain of a delicious ice cream treat was worth it! :)
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Haha I know. These little treats are definitely worth it. Also I like my wallet light so I refuse to carry cash at anytime. Plus the rewards from using cards are great too.
 
From the story:

"The most publicized hiccup occurred with Bank of America customers, who were accidentally charged twice for their purchases. Bank of America confirmed that the issue only affected a small number of users who will receive refunds."

Bank of America issuing refunds?????????????????????
 
old-wiz said:
From the story:

"The most publicized hiccup occurred with Bank of America customers, who were accidentally charged twice for their purchases. Bank of America confirmed that the issue only affected a small number of users who will receive refunds."

Bank of America issuing refunds?????????????????????
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Ya.
 
Redenkeew said:
Haha I know. These little treats are definitely worth it. Also I like my wallet light so I refuse to carry cash at anytime. Plus the rewards from using cards are great too.
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Yep! 3% on gas at Costco with AMEX, 3% on Gas and Restaurants with Chase AARP Visa and 2.2% on everything else with BarclayCard Arrival+. Not a shill for anyone but glad to promote those who give me a great deal.

I hope Apple can strike a deal with state DMVs to provide digital Drivers' Licences. Then the digital wallet would be complete.

Just for the record......I have no objection to Google or others providing equivalent services. But as of now I'm a happy Apple customer.

And I'm typing this on an Acer ChromeBook that I bought instead of a new iPad, so I'm not all in with Apple!
 
AppleScruff1 said:
The passion is for anything having to do with Apple. :D
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And that's true....I'm passionate for Apple....but that's because I currently judge them as the best on offer. I only have loyalty as long as they stay the best. If they F' me over, I'll promote whoever is better!
 
flyinmac said:
It's already been pointed out that CurrentC apparently doesn't exist yet. Perhaps it was you who pointed it out. Either way, irrelevant.

But, in the end, the consumer still went somewhere and purchased the merchandise (unless he pulled out his Visa or MasterCard on the spot). So, in the end, Visa or MasterCard got their cut. Only thing that happened, is that neither Visa or MasterCard ended up sharing money with Apple.
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This reminds me of many years ago when people would try to organize a protest and get people not to buy gas on a certain day, just to hit the oil companies in the pocket. Of course everyone still went to work and did all the driving they normally do. So instead of buying gas on Tuesday, they bought it Monday or Wednesday. Oil companies didn't lose a dime.
 
Sonmi451 said:
Do you have anything relevant to add?
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Wow. Check out your posts leading up to your reply on this thread.

Now look in the mirror and ask yourself the same question ;)

Ahhhhh Tesla user..... Cool bro I get it now !
 
BruiserB said:
And that's true....I'm passionate for Apple....but that's because I currently judge them as the best on offer. I only have loyalty as long as they stay the best. If they F' me over, I'll promote whoever is better!
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I have a love/hate relationship with Apple. The products are beautiful and slick BUT... definitely lacking in some areas. I'm glad of Apple Pay because it might be what it takes to pressure stores to enable contactless, and it's a strong counter-force to fight the incredibly anti-consumer CurrentC/MCX.

Remember, when you use MCX/CurrentC you don't have any of the consumer protections provided by major credit cards, and that's really the main point of it - those protections cost money. Requiring their members to disable NFC is an incredibly anti-competitive strategy being pursued by MCX, if it is true (I've heard no official acknowledgement, but with behaviour like this it appears it may be true). The exception is Meijer as an Apple Pay partner. If Meijer leaves MCX, I guess we'll know for sure what the deal is...

As a fan of contactless cards (I use Google Wallet - it's iffy - but I now have a contactless "Chip and Signature with Contactless" American Express Blue Cash Everyday card - they just became available) for the convenience and security, I'm glad Apple Pay exists to pressure merchants to enable contactless.

That said, it isn't proving as effective as I'd hope. Given their target audience, I'd hoped Target would enable contactless, and it's unfortunate that they didn't (the new terminals at Target support contactless, but it is disabled in software). They are a member of MCX, so it's no surprise. Just disappointing.

More disappointing is that there are non-MCX members (Barnes and Noble and ULTA spring to mind) who disable contactless for no apparent reason (debit routing is my assumption).
 
flyinmac said:
I believe that more people / entities are likely to find a way into my electronically stored information on my phone than are likely to get my credit card out of my pocket.



If the phone can communicate with the outside world, then the outside world can communicate with it. I don't store credit card information on my computer. I'm not storing it on my phone either.
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Then you should love Apple Pay since your credit card number is not stored on your phone, or on Apple's computers.
 
StyxMaker said:
Then you should love Apple Pay since your credit card number is not stored on your phone, or on Apple's computers.
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Don't use logic. These are the same people who freaked out with contactless cards in the US, despite them being many times more secure than the completely unsecured magnetic stripe. In fact, there was so much paranoia that only just now was I able to get a contactless + contact chip card and only for ONE of my credit cards (for an American Express, and not for the one I use most and has the best rewards sadly).
 
Can the retailer tell that you are paying with Apple Pay as opposed to some other NFC device or a card with an NFC chip?

other than the obvious fact it is an iPhone that the person has in their hand.
 
bawbac said:
I'd rather have choices than a dictatorship of Apple telling me what I can and can not do with a phone.
Then provide small incremental updates that obsolete 2 year old products so you are forced to upgrade or have a crippled piece of HW/
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Drama Queen much? Apple is not telling you to do anything at all. If you don't like the product they make and how they implement it, go elsewhere. It's simple really and yet people still can't grasp this concept. BTW, iPhone gets way more updates than any android phone does and all phones lag at around the two year mark. Stop being myopic.
 
bawbac said:
I'd rather have choices than a dictatorship of Apple telling me what I can and can not do with a phone.
Then provide small incremental updates that obsolete 2 year old products so you are forced to upgrade or have a crippled piece of HW/
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I know, it's rough when a manufacture drops support on a phone you just bought and refuses to push the latest Android OS to your phone. Or bundles forced bloatware, wireless carrier software, or other lockdowns by the company just to a single phone. In addition, the awfulness that is the ecosystem of mixed Android devices of fragmentation, screen sizes, and specs.

... oh crap you were trying to say this was Apple? Excuse me I've got a floor I have to roll around and laugh on top of :D If you seriously think iOS is a dictatorship and Android is completely open (when on most handsets it's not) well you are in for a rude awakening.
 
bawbac said:
I'd rather have choices than a dictatorship of Apple telling me what I can and can not do with a phone.
Then provide small incremental updates that obsolete 2 year old products so you are forced to upgrade or have a crippled piece of HW/
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Taz Mangus said:
But why can't I make phone calls with my refrigerator. Damn why should I allow Whirlpool to dictate what I can and can't do with my refrigerator. :rolleyes:
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Agree, his comment is ludicrous on its face and reeks of entitlement.

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dneesley said:
"I thought that United States currency was legal tender for all debts. Some businesses or governmental agencies say that they will only accept checks, money orders or credit cards as payment, and others will only accept currency notes in denominations of $20 or smaller. Isn't this illegal?
The pertinent portion of law that applies to your question is the Coinage Act of

1965, specifically Section 31 U.S.C. 5103, entitled "Legal tender," which states: "United States coins and currency (including Federal reserve notes and circulating notes of Federal reserve banks and national banks) are legal tender for all debts, public charges, taxes, and dues."

This statute means that all United States money as identified above are a valid and legal offer of payment for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person or an organization must accept currency or coins as for payment for goods and/or services. Private businesses are free to develop their own policies on whether or not to accept cash unless there is a State law which says otherwise. For example, a bus line may prohibit payment of fares in pennies or dollar bills. In addition, movie theaters, convenience stores and gas stations may refuse to accept large denomination currency (usually notes above $20) as a matter of policy."
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Unfortunately, as with many of our laws the wording leaves much to be desired. This law could be interpreted a couple of different ways. Specifically, what I would like to know is what is illegal tender? Are they saying that we cannot swap my chicken for your corn, so to speak? Without further reference, it could just as easily mean that all business should accept the type of currency that the law states.

I'm not arguing for or against here, but just that it's very, very vague. With as many laws that speak this way, you wonder if the loopholes aren't intentional. I'll go get my tinfoil hat now. lol
 
Shin3r said:
Agree, his comment is ludicrous on its face and reeks of entitlement.
Unfortunately, as with many of our laws the wording leaves much to be desired. This law could be interpreted a couple of different ways. Specifically, what I would like to know is what is illegal tender? Are they saying that we cannot swap my chicken for your corn, so to speak? Without further reference, it could just as easily mean that all business should accept the type of currency that the law states.
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Legal tender for all DEBTS. Not to offer payment for a good or service, unless the service has already been performed, you don't have a debt yet. They don't have to initiate the transaction with you.
 
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markie said:
Legal tender for all DEBTS. Not to offer payment for a good or service, unless the service has already been performed, you don't have a debt yet. They don't have to initiate the transaction with you.
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You spliced two different comments of mine, and left out the rest of the other, changing context of what I said. NOT COOL. As I stated previously wasn't arguing one way or the other, just about vagueness of law, even with debts.

btw, there are many stores that take tabs in smaller areas, and trust me they aren't going to sit there and accept my payment in pennies if I decided to break open my piggie bank.
 
canucksfan88 said:
or...you could just take out your damn wallet like you have been for years :rolleyes:
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Mostly with you on this one. I use one card and it's just easier to take that out and pay. Kind of like it being easier to just write a shopping list on paper that I can hold while shopping vs a list on my phone that I have to unlock, get to app and then fiddle with while trying to shop. (I did that for awhile)
 
josh995 said:
I don't know if this has been mentioned in the comments or not, but I read somewhere (don't know if it's true) that stores that signed on to use MCX can't accept competing mobile payments. This could be why because apparently they blocked Google wallet too, someone on her mentioned.
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So they had just blocked Google Wallet because people were using their system via Apple Pay? Does this imply that nobody(or hardly anyone) was using Google Wallet at their premise?
 
Shin3r said:
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You spliced two different comments of mine, and left out the rest of the other, changing context of what I said. NOT COOL. As I stated previously wasn't arguing one way or the other, just about vagueness of law, even with debts.

btw, there are many stores that take tabs in smaller areas, and trust me they aren't going to sit there and accept my payment in pennies if I decided to break open my piggie bank.
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No need to shout at me that was a total accident. I meant to cut the entire top part. My phone is stupid sometimes. It doesn't change what I replied to at all though.

And if they made a tab they have to take your pennies. If they don't you can give them to them in court. It's legal to repay that debt and they have no choice. Especially if they didn't clearly signpost "no payment in pennies" which would arguably make it part of the contract. A contract can specify payment method. But a restaurant doesn't. Feel free to pay in all pennies. But unless you like the taste of spit, never go back!
 
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