Correct, those are triple-entry terminals but are set to swipe-only for now. They have EMV and NFC disabled. Hopefully both these features will get enabled soon, though most merchants have only announced plans to enable EMV (the minimum required), leaving NFC disabled. We'll see if Apple Pay changes this.
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Apple Announces 'Apple Pay' Mobile Payment Solution, Enabled at Over 220,000 U.S. Merchants
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Correct, those are triple-entry terminals but are set to swipe-only for now. They have EMV and NFC disabled. Hopefully both these features will get enabled soon, though most merchants have only announced plans to enable EMV (the minimum required), leaving NFC disabled. We'll see if Apple Pay changes this.
Thanks kdarling. I knew you'd be able to produce some numbers also. Perhaps my googling ability is just bad
. But yea I'm satisfied that it's not entirely just people talking on forums as someone else had also posted numbers.It's a good thing no matter what ans I'm looking forward to when it will be the norm everywhere.
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Agreed but I think it's clear that its been growing for a while. Its nowhere near ubiquitous, but I think it will be soon thanks to apple.
When Tim began the 
Pay announcement, he stated that others have tried to do it but failed because they put their interests first, not the consumers. So is Apple is more interested in helping the consumer or in their cut of the transaction fees and selling more hardware?
Pay announcement, he stated that others have tried to do it but failed because they put their interests first, not the consumers. So is Apple is more interested in helping the consumer or in their cut of the transaction fees and selling more hardware?Yes. They need your finger too. Or they could always write the info down now anyway. So what's the diff?
Have I missed something about all of this? What's better about this than a contactless payment card that everyone gets as standard nowadays? (in the UK at least)
Probably nothing, but it'll make this a norm rather than an outlier like it is now
I may have been wrong that Apple Pay isn't using tokenisation. Be clear - NOTHING in Apple's description even hints at tokenisation, only dynamic security codes. But Apple is somewhat famous for leaving out technical specifications. I was reading an interview with Visa that does imply tokenisation. It'll be interesting to see what happens...
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Nothing, really. Remember, though, that contactless cards in the US are EXTREMELY rare.
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Nothing, really. Remember, though, that contactless cards in the US are EXTREMELY rare.
You know I was wondering about this. The Credit card process demonstrated in the apple Keynote was so Ten year ago in Europe. Chip and pin with the card never leaving your hand has been standard for so long and now with contactless payments even chip and pin is fast becoming old.
Why the US has not moved on from that antiquated system and were waiting for Apple is anyone's guess.
I've never really been one to jump on the newest tech bandwagon. I'm usually one or two "new releases" behind. I will, however, be on this one. Just got off the phone with my bank because my debit card was hacked......again. Third time in less than a year.
The bank is really good about it. Have no reason to believe they won't refund the charges, as they've done before, but man I am sick of this.
I'm not a techie, and don't completely understand the intricacies of how this works. All I hear is, it generates a unique number for a transaction.....cannot be seen....cannot be duplicated.....yadda yadda....no more calls to the bank.....Yes, I want that!
No idea if this has been out there already. Maybe I'm just another Apple fan-boy. So be it. Beats tracking down all of the hackers and kicking them in the nuts (though that would be very satisfying)
The bank is really good about it. Have no reason to believe they won't refund the charges, as they've done before, but man I am sick of this.
I'm not a techie, and don't completely understand the intricacies of how this works. All I hear is, it generates a unique number for a transaction.....cannot be seen....cannot be duplicated.....yadda yadda....no more calls to the bank.....Yes, I want that!
No idea if this has been out there already. Maybe I'm just another Apple fan-boy. So be it. Beats tracking down all of the hackers and kicking them in the nuts (though that would be very satisfying)
EMV is the solution to that being deployed now, contactless is a convenience that can also solve it, a nice one tho.
I think you have misunderstood a bit. Apple hasn't been just working with retailers on the NFC portion of Apple Pay. They have also been working on getting retailers to allow people to pay with Apple Pay online as well (think of all the places you could use paypal, google wallet, etc.). now those retailers will add Apple pay as an option as well...
NFC is just NFC... online doesn't take NFC... whats interesting here is that the whole business of using touch ID to complete the transaction will be cumbersome unless you shop on your phone all the time... but then again, maybe that would be a killer feature for Handoff - start the transaction on your computer/finish it on your phone.
Thank you though for saying NFC is NFC! Others have been obsessing saying that it is more than NFC. I still love that Apple is doing it though bc it will hopefully broaden the reach of NFC use.
consolidates all your cards and wont have to carry so many...I am looking forward to it. Couple that with the watch and going to be great.
The new Magic Band at Disney World is basically the same thing. I knew it would take off somewhere else. You can access your room, pay for food, buy merchandise all from your band. Iphone and I watch link to phone will be no different. No need to carry mulitple cards..Going to be great...
With the Magic Band at Disney you still had to enter a security code prior to transaction being complete
Actually, it is - it's just one they've already worked through in a way satisfactory to them.
I'm always the first to admit when I'm wrong - they ARE using EMV tokenisation, Mastercard has announced that - the leaks are right.
NOTHING in Apple's presentation suggested tokenisation, only one-time transaction codes (which are a standard contactless feature and are NOT tokenisation).
This does lead me to compatibility concerns - I'm not sure EVERY contactless enabled terminal in the US will support this.
NOTHING in Apple's presentation suggested tokenisation, only one-time transaction codes (which are a standard contactless feature and are NOT tokenisation).
This does lead me to compatibility concerns - I'm not sure EVERY contactless enabled terminal in the US will support this.
Even some cars have smart keys that you don't have to take out of your pocket. Get in your car and push the start button. The basic technology is being used in more areas.
A valid point indeed - here in Norway most banks are also issuing those kinds of cards to all new customers these days, and the biggest consumer oriented bank here will send brand new cards to absolutely all their customers (and not just to those renewing or replacing lost cards) this fall.
NFC-enabled phone/watch or not, you often will carry some kind of ID anyways - like your driving license - so you will still need a wallet or at least a phone cover that can fit a couple of cards which you can tap in store to pay without even removing the card from whatever you keep it in.
Things are a bit different in the US though - I am always amazed at how far behind the curve payment options are compared to Europe. The last 5-10 years I have not used a regular credit card anywhere in the world except in the US (which I visit 1-2 times a year and am quite fond of - have racked up more than 30 states so far).
Everywhere else a debit card works for everything - including car rental (unless you hire some high priced exotics), in the US though you really need at least a credit card as well to make travelling reasonably painless and uncomplicated.
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I use my Debit Card all the time in the US, Debit Cards in the US are Visa and MasterCard branded, so thats why they look like Credit Cards. And I can get hotels and car rentals just fine. You only have to be 16 to get a debit card, but as of now 21 for a credit card, so not everyone can get a credit card, so businesses must allow you to use a debit card to purchase items/services/goods.
Most people I know use a debit card more than their credit card. I use my credit card more due to the rewards....Also, it has Chip & PIN too, and PayPass. My debit card is Magstripe & PIN (as all debit cards in the US are), and also has PayPass.
That is how it is in Europe as well - does not mean that they are 'real' Credit Cards though since they only check against your balance.
When it comes to car rental in the US though, the only of the large ones that do accept Debit Cards as far as I know is Budget (but not for their cool cars - then you have to add a Credit Card as well). I had to use a regular Credit Card to rent with Hertz and Avis just this summer - my Debit Card (with plenty of coverage on my account - far more than my CC limit) was not an option.
Oh well - not really a problem, just a bit odd
That is how it is in Europe as well - does not mean that they are 'real' Credit Cards though since they only check against your balance.
When it comes to car rental in the US though, the only of the large ones that do accept Debit Cards as far as I know is Budget (but not for their cool cars - then you have to add a Credit Card as well). I had to use a regular Credit Card to rent with Hertz and Avis just this summer - my Debit Card (with plenty of coverage on my account - far more than my CC limit) was not an option.
Oh well - not really a problem, just a bit odd
Not odd, they want the security of a line of credit to dip into. You'd also be an absolute moron to rent a car on a debit card. If they charge it for "damages" on a credit card you can dispute it, take advantage of car rental protection on many high end credit cards, etc. And you don't pay until the dispute is resolved one way or another. On a debit card? You're out the money and have little recourse - what recourse you do have is much less likely to end in your favour.
Call me a moron then. Credit cards are for people without money in most of the world, it is only in the US that it still is a big thing. I have lots of friends who have not used a credit card in years, and I have rarely used one outside of the US myself the last 10 years. There is simply no need for it if you have a steady income, you just end up paying a lot more for your stuff.
My debit card used for travel/hotels/plane tickets/ rental cars and so on is of course not linked to my main account, so there is a limit to how much can be charged, but it is of course always enough to match a credit card in amount being reserved for cases like rental.
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