Apple Debuts New 'Apple Pay' Ad in Ongoing 'If It's Not An iPhone' Campaign

[H2SO4]

Well, that's debatable. While you are probably right in the literal sense, they certainly do collect your data and monetize it. You also have no guarantee that they won't share your data with third parties, or that it doesn't get stolen or otherwise abused at some point.

In particular, Google Wallet collects all your transaction data (allowing them to build an even more detailed profile about you). Apple does not collect transaction data from in-store transactions. Apple Pay also does not disclose your name to the retailer like swiping a credit cards does.

From the UK Apple Privacy Policy……..
At times Apple may make certain personal information available to strategic partners that work with Apple to provide products and services, or that help Apple market to customers. For example, when you purchase and activate your iPhone, you authorize Apple and your carrier to exchange the information you provide during the activation process to carry out service. If you are approved for service, your account will be governed by Apple and your carrier’s respective privacy policies. Personal information will only be shared by Apple to provide or improve our products, services and advertising; it will not be shared with third parties for their marketing purposes.

Great, so who are these partners as I’m pretty sure that it’s not just your cell carrier and how on earth do Apple control what other people do with that they have told them?
This is just smoke and mirrors, Apple cannot control it and they know it but that line is put there anyway to make you feel all warm and fuzzy..

In addition does nobody think that Google will track them if they use YouTube to view this video?

But yes, Apple Pay looks good.

 

[V.K.]

Whatever. wake me up when Apple Pay is available in Canada. I might even consider buying an Apple Watch then.

For those who don't know what to look for at the unofficial retailers, that one million stores figure is probably wildly inflated. Not saying that Apple is wrong but a lot of places don't even have the contactless logo anywhere so most won't bother trying.

On a positive note, the ad is pretty cool and might actually get people who gave up on AP to try it again.

Perhaps so but on the other hand if you count all businesses internationally where you can use Apple Pay if your US or UK card supports it that 1 million number should be many times higher. NFC and contactless cards are ubiquitous outside US. Except. One place where you would NOT be able to use Apple Pay outside US and UK is in Apple Stores. No support for NFC in any of them. Can't quite articulate what that says about Apple but nothing good.

 

[nouveau-apple]

I actually liked that ad
and don't think Pay a fad,
but there's one question I must ask.
Answering might be quite the task.
Why does the narration RYHME?

Why shop with your wallet when you can use Apple Pay

Besides, the phone is already in my hand anyway

 

[justinhu8]

This ad would've been great during the launch of the 6. But now we have Samsung Pay, Android Pay, PayPal. All of them, just as easy to use as Apple Pay.

 

[gijoeinla]

Whatever. wake me up when Apple Pay is available in Canada. I might even consider buying an Apple Watch then.

Perhaps so but on the other hand if you count all businesses internationally where you can use Apple Pay if your US or UK card supports it that 1 million number should be many times higher. NFC and contactless cards are ubiquitous outside US. Except. One place where you would NOT be able to use Apple Pay outside US and UK is in Apple Stores. No support for NFC in any of them. Can't quite articulate what that says about Apple but nothing good.

Dumbfounded why people *think* that everything Apple should be a instantaneous hit right outta the gate. C'mon...

In my opinion - in the U.S. Next month the fact that Square is adding Apple Pay is pretty important as throngs of retailers (smaller) will then be able to accept Apple Pay.

Here in Los Angeles the sheer size of small hip and cool businesses using Square is pretty substantial-- not to mention tons of non profits etc and everyday mobile businesses.

For a BRAND NEW FINANCIAL PAYMENT system that's barely a year old I think Apple Pay is where it should be. By the holidays terminals will upgraded all over America at major retailers to accommodate Apple, Google, and Samesong...

I don't at all hold a grudge over a retailer for waiting for larger adoption of mobile payment systems - no matter who operates them. A free market is healthy for all -- including Apple.

 

[BornAgainApple]

Used Apple Pay for the first time last week in Subway. Super easy. I really hope more retailers get onboard with this.

 

[V.K.]

Dumbfounded why people *think* that everything Apple should be a instantaneous hit right outta the gate. C'mon...

In my opinion - in the U.S. Next month the fact that Square is adding Apple Pay is pretty important as throngs of retailers (smaller) will then be able to accept Apple Pay.

Here in Los Angeles the sheer size of small hip and cool businesses using Square is pretty substantial-- not to mention tons of non profits etc and everyday mobile businesses.

For a BRAND NEW FINANCIAL PAYMENT system that's barely a year old I think Apple Pay is where it should be. By the holidays terminals will upgraded all over America at major retailers to accommodate Apple, Google, and Samesong...

I don't at all hold a grudge over a retailer for waiting for larger adoption of mobile payment systems - no matter who operates them. A free market is healthy for all -- including Apple.

??? I agree with pretty much everything you said but why exactly did you write this in reply to my post? I never said I expected Apple pay to be an instant hit in US. If you look at my posts I've often said the opposite. I know that such things take time. NFC took a number of years to become ubiquitous in Canada mostly because of merchants inertia.
Anyway, all I said here is that I want Apple to get a move on with international deployment of Apple Pay in general and in Canada in particular. So far a year after its introduction in US they've only managed to roll it out in 1(!) other country. that's not a good pace no matter how you slice it especially given wide NFC penetration outside US.

 

[Manderby]

The ad was quite witty,
I thought the Pay use was wise,
Much better than the other guys,
Whose payment schemes are viewed as ....

Need help here.

The help you request I swiftly give
so not in pain you further live.
Though some might say it is a dull fit,
What works best ist the german word for ********.

Aww, they censored it!

 

[tmiw]

Anyway, all I said here is that I want Apple to get a move on with international deployment of Apple Pay in general and in Canada in particular. So far a year after its introduction in US they've only managed to roll it out in 1(!) other country. that's not a good pace no matter how you slice it especially given wide NFC penetration outside US.

There are also downsides of that too. For example, the unfortunate limitation of £20 in the UK for all contactless payments, even for Apple Pay. A bit more time is always good to make sure there aren't quirks like that preventing the best possible experience.

 

[dilap]

Dumbfounded why people *think* that everything Apple should be a instantaneous hit right outta the gate. C'mon...

In my opinion - in the U.S. Next month the fact that Square is adding Apple Pay is pretty important as throngs of retailers (smaller) will then be able to accept Apple Pay.

Here in Los Angeles the sheer size of small hip and cool businesses using Square is pretty substantial-- not to mention tons of non profits etc and everyday mobile businesses.

For a BRAND NEW FINANCIAL PAYMENT system that's barely a year old I think Apple Pay is where it should be. By the holidays terminals will upgraded all over America at major retailers to accommodate Apple, Google, and Samesong...

I don't at all hold a grudge over a retailer for waiting for larger adoption of mobile payment systems - no matter who operates them. A free market is healthy for all -- including Apple.

Yeah when I visited LA everyone was using Square.

 

[CFreymarc]

Petco and Mickey D's, what more could you ask for?

Starbucks and Costco to round it up!

 

[macfacts]

... Apple Pay also does not disclose your name to the retailer like swiping a credit cards does.

I've never heard of this complaint before with normal credit cards in the past.

 

[RickInHouston]

Neither does Google. Can we stop saying that? Firstly, it would be completely illegal for Google to hand over your bank details to third parties and secondly, they just don't sell your data anyway, they use your data to let advertisers target the people they want to advertise to which might be you. For example, Google might learn you like coffee from your search history, they'll then give you ads for coffee machines. That's not selling data.

Thank you. I was tired of trying to get this point across. Macrumors readers are so affluent and intelligent, I just don't get it!?!

 

[Loucifer]

Did I mention how sweet and easy the transaction is on Apple Watch? Have I already? Sorry!

 

[CFreymarc]

I've never heard of this complaint before with normal credit cards in the past.

There have been a lot of credit card database purges that this could have prevented.

 

[2457282]

I have two issues with this add.

1. If it's not an iPhone, then it's not an iPhone. Horrible tag line. How about, if it's not an iPhone, it's something else or if it's not an iPhone it's probably an android.

2. They claim at the end that you can already use Apple Pay in a million stores. Where are they, because most of the stores I go to don't support it.

Look, I love Apple and I love Apple Pay, but this commercial just didn't work for me.

 

[joediianni]

I'm stuck on the fact McDonalds is front and center. Who does that appeal to?

 

[Mad Mac Maniac]

Really glad to see Apple continuing to go all in on Apple Pay. This is something that is hard, because it relies on external businesses to individually join in.

I'm not sure how much influence Apple can really have to get companies to install NFC terminals, but I hope they do what they can. Maybe it's just ads like this that show it off and also show which companies to go to (free advertising!).;

Also, I just had a thought. If we could get a large percentage of MR to ask "Do you have Apple Pay?" every single time they buy something (even if you already know they don't support it), that will let businesses know that the interest is out there.

 

[rdlink]

Neither does Google. Can we stop saying that? Firstly, it would be completely illegal for Google to hand over your bank details to third parties and secondly, they just don't sell your data anyway, they use your data to let advertisers target the people they want to advertise to which might be you. For example, Google might learn you like coffee from your search history, they'll then give you ads for coffee machines. That's not selling data.

They monetize the services they give you "for free" by mining your browsing habits, email, and maps searches and letting their customers target you with ads. They have publicly stated that they're open to the idea of using your photographic metadata for the same purpose in the future. Not sure what you would call that if it's not "selling your data."

Nobody is saying that Google hands out your CC number to people. But they certainly have shown a propensity in the past to share your other data publicly. And their implementation of Google Wallet was fraught with issues because the carriers had to get in the mix, thereby complicating and obfuscating what, exactly is being shared. It's interesting that they are totally revamping their payment system in response to the introduction of Apple Pay, which, by the way made one of it's primary goals to specifically hide all of your information from the retailer when a transaction occurs.

 

[rdlink]

I'm stuck on the fact McDonalds is front and center. Who does that appeal to?

Hundreds of millions of people. Many of whom carry iPhones. Just because you don't like McDonalds (me neither, except for the occasional soft serve cone) doesn't mean that many others don't. Personally, I will likely never go to Toys R Us, or Footlocker. But that doesn't mean they shouldn't put them out there as partners.

 

[rdlink]

That's funny because I have an iPhone and can't use Apple Pay....

Well, you should move to Merikuh. Then you can go into places that have touch to pay terminals and listen to the clerk tell you, "We haven't set that up yet."

 

[balamw]

I was just visiting Iceland. They are heavy credit card users there even in remote parts of the country and 80% of the terminals were NFC (and thus Apple Pay) compatible.

The reactions from some of the cashiers when I paid the bill with my phone were priceless. Sheer joy and astonishment.

Thousands of terminals just waiting to be used!

The U.S. may catch up when chip cards mean they have to join the 21st century and provide mobile payment terminals in restaurants, etc...

Until then I'll continue to use it at Walgreen and Panera as much as I can.

B

 

[yg17]

I'm stuck on the fact McDonalds is front and center. Who does that appeal to?

People who want a quick, cheap meal? McDonalds is appealing to somebody because they're one of the most successful fast food franchises in the world.

 

[MacBH928]

For this to work, they should make it a standard. Thats mean Apple Pay could be integrated in other phones and modern devices.

 

[bgraham]

They monetize the services they give you "for free" by mining your browsing habits, email, and maps searches and letting their customers target you with ads. They have publicly stated that they're open to the idea of using your photographic metadata for the same purpose in the future. Not sure what you would call that if it's not "selling your data."

Nobody is saying that Google hands out your CC number to people. But they certainly have shown a propensity in the past to share your other data publicly. And their implementation of Google Wallet was fraught with issues because the carriers had to get in the mix, thereby complicating and obfuscating what, exactly is being shared. It's interesting that they are totally revamping their payment system in response to the introduction of Apple Pay, which, by the way made one of it's primary goals to specifically hide all of your information from the retailer when a transaction occurs.

"Selling your data" implies that your personal details you share with Google such as email, location, websites etc are handed over to third parties to do with as they please which is simply not true. Google's monetisation model is genius as it benefits both parties, the user who gets to use services for free and the advertiser that gets to display very targeted ads to billions of people around the world. Meanwhile the user actually receives advertisements that are relevant to him/her.

So, as a consumer you've got the choice between giving one company all your data that it will only use to determine your interests/buying habits etc and recieve much better ads in return and fantastic free services. Or, you could pay a huge amount more to lock yourself in an incredibly tight and closed off ecosystem that has far inferior services to a company that still sells targeted ads and you still give a lot of your personal data to. The choice is pretty obvious in my view.

And, I'm not saying Google's perfect. Google Wallet isn't great and was a huge flop and no doubt Android Pay took a lot of ideas from Apple Pay, which is excellent by the way, and I hope it can work just as well. But, on the whole, I have absolutely no regrets about being in Google's ecosystem instead of Apple's.