Unfortunately, that just isn't the case in the United States. I love using it in the UK, though. I would say my experience using it there has been about 90% acceptance, more prevalent than a lot of other countries.
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Apple Extends Internal iOS 11.1 Apple Pay Cash Testing to Retail Employees
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It would be nice if all chat clients talked to each other of course, but at the end of the day it's just "chat" and we have many ways to communicated.
The transfer of goods for currency is basic and fundamental to how the world works in reality.
You have goods and I give you currency in change for those goods.
To make this work we invented the thing called "Money"
And it needs to be standard to work.
I'm all for any advancement, but lets look at the current method/s and come up with a new (better?) method, easier to use that also works for everyone.
Having incompatible money does no one any favors, as you then have to also carry other methods in case the person you wish to buy items from can't accept your form of payment.
It would be like having the USA, and having 6 foreign cash currencies live in the USA at the same time, and any trader as any location could pick which of them to accept or give out.
What a nightmare that would be for you as a consumer.
You would be saying. For gods sake, lets all use the same one so I don't need to carry all 6 with me at all times.
So, now, in this "Modern World" we have the knowledge and skill to make sure we don't mess up and we work FOR the consumer, and all tech companies work together FOR THE GOOD of the consumers and set a standard that they are all compatible with.
Sure they have can their own user interface or perhaps security that each device needs in order to activate this function, but once set up on ANY device, the actual transfer and ability to pay should be 100% compatible with a standard.
So I can order my Tesla Car, Buy the burger, Get a stick of gum, Pay you $1.13, buy a plastic toy from a yard sale, etc etc with the same method, and everyone with any "phone?" can accept the payment. from 1 cent to say $100,000.
I assume you're in the U.K.? The £30 limit was removed some time ago. If it doesn't work wherever you do your shopping, tell them they need to update their terminals.
http://www.telegraph.co.uk/technolo...-majority-uk-tills-accept-limitless-payments/
This has nothing to do with the banks, it's just the old school mentality of verification .. this has to do with public record. You can verify your identity via public record if you want to buy insurance, go to Geico.com ... you can verify your identity if you want to sign up for FedEx.com or UPS.com via public record. There's absolutely no reason to keep using the outdated SSN which clearly is vulnerable to causing major damage when in the wrong hands (news lately)... for such silly things as small value P2P payments. It's absurd.
For many contactless is not about more features , current Apple Pay offering is the best contactless solution . What is people actually fear is features such as these that if their phone gets stolen..... more and more ways to access ones money.
The hurdle most don't pass is even using their cards as contactless, let alone setting it up on a device
The other hurdle , £30 limit.....
I'm definitely looking forward to this. My wife and I have separate and joint bank accounts, but it's clunky when one of us needs a quick cash infusion from the other. Login on the bank app, step through to transfer, enter the amount, transfer the funds....Then the other one has to log into the bank app, go into the joint account, step through to transfer, enter the amount, transfer the funds. It's around 7 steps and 12 'taps' on each side just to send $50 to each other. With this, we can do it in three or four steps with the equivalent 'taps'. And, apparently, since we both tie our apple pay into our debit cards it'll be free to do.
Or you could hand over a $50 note to whoever wants it in 1 step, and then they could spend it anywhere.
Not just at places that accept Apple Pay
Or you could hand over a $50 note to whoever wants it in 1 step, and then they could spend it anywhere.
Not just at places that accept Apple Pay
Good point, but neither of us uses cash. I haven't used cash in over 20 years and she hasn't for at least the last 5. Plus, you can tap a button and the money instantly goes into your account through the debit card you have connected to your apple pay, so you can then swipe the card.
I have clients in Europe that often pay me using PayPal and I'd rather do this through Apple Pay and iMessages.
If this launched worldwide on day one I would've been happy, I think this will be huge.
I didn't read through the 8 pages of replies, but I hope this is true. I never have any cash on me. It has been that way for several years now. My wife always ensures she has a couple bucks on her, but never anything large.
With the introduction to Venmo, it makes it easier to pay back friends/family for stuff when you don't have cash on you. Obviously I wouldn't want to see cash go by the wayside, but I think it will make easier for everyone once they understand the concept better.
I don't carry that much cash on me. I have never lost my wallet, but I have broken my phone on a couple of occasions.
Also, I'm under the impression that fans of Apple Pay, especially those on this thread, go cashless or close enough. Losing a $300 to $1200 iPhone still seems to be worse, especially since a few calls to send new credit cards are free. Losing government issued IDs is bad, but for many of us, losing our smartphones can be pretty bad as well. It's also possible to recover your wallet, although I will acknowledge that you also have the option to to call your iPhone and/or use location tracking services to try to find it.
In theory if it's backed by Visa\MasterCard\Discover, it should come with the same protections as any other debit card. The issue is the Paypals and Venmo's have taken hands-off approaches to many of their transactions now. Sure if you use PayPal through a qualified vendor like eBay, PayPal helps resolve disputes, but short of using a credit card, you're really left unprotected against or have rights to combat fraud\chargebacks as a buyer or seller. It's amazing to see anyone ever use Venmo with a complete stranger. If you think it provides any safety, you're dead wrong.
Whenever I misplace my iPhone, I tap a button on my Watch and the phone makes a loud pinging sound (even if its volume is turned down or it's set on vibrate). If its location is not immediately apparent, I can use Find My iPhone to track its current location, and I can lock it remotely, making it much closer to worthless to anyone tempted to "help" it wander away. My phone has these baked-in features that make it harder to misplace than a traditional wallet, and losing my wallet would entail calling numerous companies and then waiting a day or three for replacement cards to arrive.
There was an apocryphal story, early on, of someone realizing they'd left their iPhone in a cab, and racing to track down the cab a few blocks away, aided by using Find My iPhone on the web on a friend's phone. The driver said, "no, sorry, it's not here", but when they remotely told the iPhone to make a noise, the noise came out, loud and clear, from the front seat, right next to the driver. Try doing that with a wallet.
Really?
In over 20 years, never once used cash for any purchase?
I use very little cash, but there are still times and places I have done.
Buying something for £1 from a charity shop, or a car boot/garage sale.
You must be very unusual to have never used ANY cash ever since 1997
It's not perfect here though. Recently I tried to buy an Apple Watch with Apple Pay and it refused. Not so worried that I thought it was because of how much the payment was; I contacted my bank, Apple, nobody had answers and that just made me more worried. It's put a fear in me that Apple Pay might not always work so I carry my debit card now too - just in case.
It turns out that Goldman Sachs Bank now offers 1.3% interest on a savings account. https://www.gsbank.com
Before anyone says anything, the GSbank can be opened by anyone. Their minimum deposit for opening is extremely low. So, this is something that anyone can do.
Also, I am not a banker, and do not get paid to post this... I just thought people would appreciate the info. It's a pretty good rate, considering most banks only offer .06%.
What if your Apple Pay is linked to your biz account?
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What if your Apple Pay is linked to your biz account?
Valid question. And it might be covered by the connection to iCloud. Your balance could be stored in that information. Which would make the rumored requirement that you have to have 2 step turned on make more sense. I mean if you lose your phone hopefully you immediately black list your sim so your number is cut off so 2 step systems don’t work anymore. Get a new sim when you get your new phone etc. sign in and validate your attempt and there’s your APC balance waiting to go. You might have to validate that account also with your last 4 or whatever.
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Actually ‘by law’ a social security number was only ever intended to track your social security accrual and perhaps your tax payments. It was never intended to be a universal ID code.
But yes you are correct that the requirement for that last 4 is actually on the banks and credit card companies not Apple.
Late reply because i didn't see the notification. Of course I've used cash in the past 20 years as necessary. But I absolutely never carry it on me. If I go to a place that's cash only, I first go to a store and buy gum, get just enough cash back for the amount that I need for the real purchase I'm about to make, and then drop the change in whatever tip jar they have there. Of course, that occurs maybe once per year since I just don't go to places that only take cash. Like, there was a bagel place near our old house that my wife liked. I went once, found out that they only take cash, and didn't return for nearly 3 years until they started taking cards.