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Wrong. If the QR leads to a website or app to pay online using a card -which is what most payment QRs in the US actually do- then there is still the 3% card payment fee, and perhaps even more than 3% due to the higher risk of fraud of a card not present transaction vs card present.
Not wrong here LOL if you noticed I said Thailand in my 1st post and how it works here :)

All local banking apps have QR/Bar Code readers as these are used by utility companies, government bodies and Vendors

The Utility companies code are direct payment transfers from your bank app but include additional info ie your account number with them, so they know who sent the transfer, its instant and you can check payment received via their app too

Simple vendors QR codes (eg restaurants) are just their bank account details (saves you typing it in especially with Thai names LOL) where you send the transfer via your banking app and they just want to see transaction complete on your phone (some take a photo of this)

I haven't lived in the US for over 10 years at that time BOA only had cheque scanning, so can't comment on what's possible now

As I said this is all simple safe and secure and keeps costs down and businesses open
 
I think apple messed up and confused a part of their audience that needs to use this. The over 60 crowd. (Ive work with them since 2011) Every time I talk Apple Pay they say “I don’t want to open another credit card.” Meaning they confused Apple Card with Apple Pay. Probably because apple shoved the Apple Card down everyone’s throat when you go to setup a card. That said everyone who has it loves it once they get past that fear.
 
I think apple messed up and confused a part of their audience that needs to use this. The over 60 crowd. (Ive work with them since 2011) Every time I talk Apple Pay they say “I don’t want to open another credit card.” Meaning they confused Apple Card with Apple Pay. Probably because apple shoved the Apple Card down everyone’s throat when you go to setup a card. That said everyone who has it loves it once they get past that fear.

Although perhaps not obvious or emphasized enough, some of the commercials show Apple Pay customers using other types of credit cards such as the Amex card seen in the second video posted in the article.
 
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👍
Pretty much the same experience for me.

Travelling in Europe, South America has been smooth as butter only using my iPhone.

Africa? Not so much… USA? Also, not so much.

Here in the UK the only time I need cash is for my monthly haircut, A3 colour photocopies at the library and… buying The Big Issue. Most days I only leave the house with my keys and iPhone. Oh and headphones! 🙂
I have better luck in Mexico than in the US. In general, if a store in Mexico takes CC, they'll take NFC/ApplePay payments. In the US, I still run in to a lot of places that don't have it, or specifically disabled it (Homedepot!).
 
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hqdefault.jpg


you wear them together.
Based.
 


Apple recently launched a new advertising campaign to promote its Apple Pay payment method, using the "Pay the Apple Way" slogan on billboards, social networks, and more.

apple-pay-ad-campaign-2.jpg

The "Pay the Apple Way" messaging is meant to demonstrate the ease of using an iPhone or Apple Watch to make a purchase without the need to pull out a card from a wallet. Apple highlights the simplicity and speed of Apple Pay, as well as the built-in security.


Apple has installed billboards in the United States and the UK, which is where it is promoting Apple Pay. Apple plans to debut a dynamic and immersive experience using prominent street billboards and mall placements. Apple customers in London, Birmingham, Manchester, Dallas, and Atlanta will see the ads.

apple-pay-ad-campaign-1.jpg

There are four videos that go along with the campaign that show the ease of use of using Apple Pay, and Apple plans to show these on TikTok, Twitter, Instagram, and other social networks. For TikTok specifically, Apple has teamed up with TikTok creators. Each personality will answer the question "Can I [blank] with Apple Pay?" to spark dialogue about the uses of contactless payments.


The advertising campaign is already live, with the ads appearing in cities and on social media networks. Apple Pay is one of the most widely used contactless payment methods, and Apple says it is accepted by more than 85 percent of retailers in the United States.

Article Link: Apple Launches 'Pay the Apple Way' Advertising Campaign
I am across the board here. I have 3 transit cards (senior so it's important - need ID to get one, etc.) in three cities. One city west coast I eagerly use (occasionally when there) their wallet app pay with AP. Another city NE just fill now and then using AP. Home city (Mid Atlantic) use the transit card - using phone here rolled out last year? Talked to employee who said would never use phone app (which incidentally renders cards for you moot.) They work well - but it's a huge problem they've seen if phone battery dies (it happens a lot apparently) or lost.
Now AP has been good - use it at most grocery stores, shops, restos, subscriptions, and online stuff. Parking, ride hail cabs. Never one problem with charges or security in years.
 


Apple recently launched a new advertising campaign to promote its Apple Pay payment method, using the "Pay the Apple Way" slogan on billboards, social networks, and more.

apple-pay-ad-campaign-2.jpg

The "Pay the Apple Way" messaging is meant to demonstrate the ease of using an iPhone or Apple Watch to make a purchase without the need to pull out a card from a wallet. Apple highlights the simplicity and speed of Apple Pay, as well as the built-in security.


Apple has installed billboards in the United States and the UK, which is where it is promoting Apple Pay. Apple plans to debut a dynamic and immersive experience using prominent street billboards and mall placements. Apple customers in London, Birmingham, Manchester, Dallas, and Atlanta will see the ads.

apple-pay-ad-campaign-1.jpg

There are four videos that go along with the campaign that show the ease of use of using Apple Pay, and Apple plans to show these on TikTok, Twitter, Instagram, and other social networks. For TikTok specifically, Apple has teamed up with TikTok creators. Each personality will answer the question "Can I [blank] with Apple Pay?" to spark dialogue about the uses of contactless payments.


The advertising campaign is already live, with the ads appearing in cities and on social media networks. Apple Pay is one of the most widely used contactless payment methods, and Apple says it is accepted by more than 85 percent of retailers in the United States.

Article Link: Apple Launches 'Pay the Apple Way' Advertising Campaign

Holy thin bezels, what's going on with that Apple Watch?
 
I think apple messed up and confused a part of their audience that needs to use this. The over 60 crowd. (Ive work with them since 2011) Every time I talk Apple Pay they say “I don’t want to open another credit card.” Meaning they confused Apple Card with Apple Pay. Probably because apple shoved the Apple Card down everyone’s throat when you go to setup a card. That said everyone who has it loves it once they get past that fear.

If Apple and Google could get together for a set of PSA commercials I suspect we could get a bigger portion of the public into using this feature.

At least here in the US.
 
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If Apple and Google could get together for a set of PSA commercials I suspect we could get a bigger portion of the public into using this feature.

At least here in the US.
This is probably why they are showing Chase, BofA, Wells Fargo, and American Express cards in the newer ads, and on the actual Apple Pay website. With the whole Apple being not too happy with GS thing, I wouldn't be surprised if they further downplay the Apple Card now until a new bank emerges.
 
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Apple Pay is very easy and convenient. But would like to see Apple card availability expand

When it works. If there’s the slightest problem, however, then it’s a nightmare because there are too many participants involved (apple, the user’s bank, the merchant’s bank and the card networks) and not one of them can fix it, they just throw the ball to each other.
 
I'm wondering, at this moment Apple Pay is a intermediate, a replacement of the plastic card and it still sits between merchant and your bank. Will Apple replace the bank in the future? Compared to a regular bank, Apple actually does have the money.

Apple Cash and Apple Card sure look like steps in that direction.
 
I have better luck in Mexico than in the US. In general, if a store in Mexico takes CC, they'll take NFC/ApplePay payments. In the US, I still run in to a lot of places that don't have it, or specifically disabled it (Homedepot!).

I’m surprised to read that. Maybe as a tourist you had better luck in Mexico because you’re only going to restaurants and hotels, where it’s easy to use apple pay, but living in Mexico it’s just like in the US or worse: First, there are several holdouts in Mexico too including some of the same as in the US (Walmart, HEB, Home Depot), some local ones such as the oxxo convenience stores and some special cases such as Starbucks, McDonald’s or Burger King, which accept apple pay in other countries but not in Mexico. Second, at many of the places that do have the necessary terminal for apple pay either the staff has no idea how to handle anything but chip or they are distrustful and afraid and simply refuse to accept payment without inserting a physical card (I ran into this at a cafeteria a few weeks ago and had to use the titanium card). So no, Mexico actually isn’t a walk in the park to use apple pay or contactless in general and may be actually worse than the US. In fact, sometimes it feels like it might be the one country in the world where it is most difficult to use contactless/apple pay.
 
I just used my watch at Office Max, oh and our local Co-op, oh and Salt n Straw, a food truck, a bubble tea place. I have to say my watch works pretty much everywhere but Winco, who doesn’t accept credit cards and I have a debit card that is not compatible with Apple. And Home Depot, I don’t think I can use my watch there.
 
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I'm wondering, at this moment Apple Pay is a intermediate, a replacement of the plastic card and it still sits between merchant and your bank. Will Apple replace the bank in the future? Compared to a regular bank, Apple actually does have the money.
Apple Cash and Apple Card sure look like steps in that direction.
I sincerely doubt Apple has any intention of becoming a bank, dealing with endless government regulation, etc. Plenty of companies have branded credit cards. Apple Card isn't Apple's first branded credit card. Apple Cash is no different from Venmo or Paypal or any number of other similar services...and none of those is becoming a bank. The last thing any of these tech companies want is to get bogged down in the byzantine world of global bank regulations. Better to have a partner bank who handles that side of things.
 
I just used my watch at Office Max, oh and our local Co-op, oh and Salt n Straw, a food truck, a bubble tea place. I have to say my watch works pretty much everywhere but Winco, who doesn’t accept credit cards and I have a debit card that is not compatible with Apple. And Home Depot, I don’t think I can use my watch there.

That is the kicker. Here in the US there are a number of major retailers and plenty of mom-n-pop shops that don't allow AP or GP or ...
Then there are the retailers that have it but it is not functional and they have no real impetus tp get it fixed.
 
It's gotten more widespread in the last 2 years.

Wal-Mart, Home Depot, Lowes, Hobby Lobby, HEB, and Winco are the only major retailers left that don't accept it.

And Rumors are Lowes and HEB will be adding it this year. We will be left with 3 that don't take contactless/mobile payments. Wal-mart has Walmartpay.
 
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It's gotten more widespread in the last 2 years.

Wal-Mart, Home Depot, Lowes, Hobby Lobby, HEB, and Winco are the only major retailers left that don't accept it.

And Rumors are Lowes and HEB will be adding it this year. We will be left with 3 that don't take contactless/mobile payments. Wal-mart has Walmartpay.

That’s as fas as stores, but count in the number of sit down restaurants that don’t take apple pay because they offer no option but to take ypur card away and gas stations that haven’t upgraded the pumps and you’ve got a lot more retailers left that don’t accept it.
 
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Been using it on my AW since 2017. Every so often someone still comments on it! And have only seen one other person using it on the watch ever.

Find it quite awkward on the notched iPhones, was better on phones with a home button. Doesn’t quite work as well on the notched iPhones I find
 
Apple recently launched a new advertising campaign to promote its Apple Pay payment method, using the "Pay the Apple Way" slogan on billboards, social networks, and more.
Pictured: A different slogan.
 
I’m surprised to read that. Maybe as a tourist you had better luck in Mexico because you’re only going to restaurants and hotels, where it’s easy to use apple pay, but living in Mexico it’s just like in the US or worse: First, there are several holdouts in Mexico too including some of the same as in the US (Walmart, HEB, Home Depot), some local ones such as the oxxo convenience stores and some special cases such as Starbucks, McDonald’s or Burger King, which accept apple pay in other countries but not in Mexico. Second, at many of the places that do have the necessary terminal for apple pay either the staff has no idea how to handle anything but chip or they are distrustful and afraid and simply refuse to accept payment without inserting a physical card (I ran into this at a cafeteria a few weeks ago and had to use the titanium card). So no, Mexico actually isn’t a walk in the park to use apple pay or contactless in general and may be actually worse than the US. In fact, sometimes it feels like it might be the one country in the world where it is most difficult to use contactless/apple pay.
I have to agree with this statement. At least the US cashiers don't seem too distrustful if they weren't trained, they let you try anyway. In Mexico, no means no, and they will just kick you out.
 
I have to agree with this statement. At least the US cashiers don't seem too distrustful if they weren't trained, they let you try anyway. In Mexico, no means no, and they will just kick you out.

Fortunately the distrustful ones are a minority, though. Even if not trained, most of the time they are indeed open and willing, but if you don’t learn how to operate the POS beforehand and can teach them, and neither you nor the cashier even know where to start, you’ll still end up inserting a card or paying cash. That’s the bigger problem in Mexico.
 
That’s as fas as stores, but count in the number of sit down restaurants that don’t take apple pay because they offer no option but to take ypur card away and gas stations that haven’t upgraded the pumps and you’ve got a lot more retailers left that don’t accept it.

I'm seeing more and more gas stations adding contactless at the pump. At restuarants, I can usually take my phone up to a counter and pay there if they don't have a remote terminal. There are some hotels that don't have it, but most people book hotels before they go online and don't need to pay when they get there. Other than those 6 retailers i mentioned, there aren't many places I can't use Apple Pay. And it will soon be only 4 when Lowes and HEB turns it on.
 
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