Apple Launches 'Pay the Apple Way' Advertising Campaign

[tmiw]

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.

In my experience with hotels, they still want to run your card in person when you get there (for deposits, etc.), even if you book online. However, I am seeing more and more actually be able to handle contactless at the front desk, so there's that.

Anyway, restaurants are the biggest sticking point for me. But to be honest, maybe the QR approach is good enough considering that (a) most people probably don't eat out that often and (b) counter service places handle contactless perfectly fine (for the most part). Definitely not ideal, though, but none of the US EMV migration was.

 

[lartola]

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.

True, most people book hotels online, and most hotels including the big chains such as marriott/starwood -if not every single hotel in the US- only allow to book online by providing the full card details, no apple pay support, so you should be counting hotels too as places where apple pay is still completely out of the question since they don’t take it physically nor online.

 

[lartola]

In my experience with hotels, they still want to run your card in person when you get there (for deposits, etc.), even if you book online. However, I am seeing more and more actually be able to handle contactless at the front desk, so there's that.

Anyway, restaurants are the biggest sticking point for me. But to be honest, maybe the QR approach is good enough considering that (a) most people probably don't eat out that often and (b) counter service places handle contactless perfectly fine (for the most part). Definitely not ideal, though, but none of the US EMV migration was.

And when you book online, hotels still offer no payment options other than entering full card details. Even the big chains such as marriott/starwood still do that.

As for the QR approach at restaurants, it’s actually bad for the restaurant: card not present transactions incur a higher fee than card present transactions. And most people won’t use it anyway so it’s a waste of time and effort too. I’m still impressed by how they prioritize their own ease and comfort (basically laziness) over the customers’ security.

 

[tmiw]

As for the QR at restaurants, it’s actually bad for the restaurant: card not present transactions incur a higher fee than card present transactions. And most people won’t use it anyway so it’s a waste of time and effort too.

I can see a time in the future (if they're not already doing this) where Apple Pay gets treated as card present regardless of where it's used. If that ever becomes true, having to scan a QR code to pay using a Web portal is not going to really hurt the restaurant, especially if they limit that to just Apple and Google Pay (i.e. no manual card entry allowed).

 

[dk001]

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.

Do you shop at many small venue or mom/pop stores/restaurants?
I find many of these do not allow contactless pay. Some will use a table (restaurants) terminal which is card only.

 

[dk001]

And when you book online, hotels still offer no payment options other than entering full card details. Even the big chains such as marriott/starwood still do that.

As for the QR approach at restaurants, it’s actually bad for the restaurant: card not present transactions incur a higher fee than card present transactions. And most people won’t use it anyway so it’s a waste of time and effort too. I’m still impressed by how they prioritize their own ease and comfort (basically laziness) over the customers’ security.

Not just ease but cost. Depending on what card and how used the CC companies are varying charges to pull in more for themselves. Many of those same CC don't allow passing on these fees to the customer.

 

[tmiw]

Not just ease but cost. Depending on what card and how used the CC companies are varying charges to pull in more for themselves. Many of those same CC don't allow passing on these fees to the customer.

In the US it's very much allowed to pass those fees to customers now. Considering how much merchants actually dislike accepting cards here, I'm amazed more don't actually do so.

 

[lartola]

Not just ease but cost. Depending on what card and how used the CC companies are varying charges to pull in more for themselves. Many of those same CC don't allow passing on these fees to the customer.

Same thing. Customer security should be the top priority since they only exist thanks to the customers. It’s suprising how little they care about the customers. Not to mention that by using a QR they pay a higher fee since card not present transactions are less secure than card present.

 

[dk001]

In the US it's very much allowed to pass those fees to customers now. Considering how much merchants actually dislike accepting cards here, I'm amazed more don't actually do so.

A lot of places to use their services they have a stipulation that passing on the fees (charging extra) is not allowed. I know recently Visa is making a statement on enforcing this in NY to the point of even sending out inspectors to see if enforced.

Crazy stuff.

 

[SteveJUAE]

Same thing. Customer security should be the top priority since they only exist thanks to the customers. It’s suprising how little they care about the customers. Not to mention that by using a QR they pay a higher fee since card not present transactions are less secure than card present.

Not true on so many counts

The QR code just facilitates the customer in not having to type account details in for an E bank transfer. All security is handled by the customers own banking app and the transfer is verified both digitally and physically for both, before customer leaves

There are no extra fees or less security or purchases of card readers or service fee's with card companies etc, for vendors

The only issue is customers must have the currency/money in their account as this is not a credit charge to their account but an E debit they initiate and send.

This is why many small business in Thailand use this method as it has 0 overheads or fee's for them but even big business and government/utilities use this method. If you want to pay by any other means including at a payment counter say for your water bill there is a charge to the customer.

E bank transfers facilitated by QR codes are free of charges

 

[lartola]

Not true on so many counts

The QR code just facilitates the customer in not having to type account details in for an E bank transfer. All security is handled by the customers own banking app and the transfer is verified both digitally and physically for both, before customer leaves

There are no extra fees or less security or purchases of card readers or service fee's with card companies etc, for vendors

The only issue is customers must have the currency/money in their account as this is not a credit charge to their account but an E debit they initiate and send.

This is why many small business in Thailand use this method as it has 0 overheads or fee's for them but even big business and government/utilities use this method. If you want to pay by any other means including at a payment counter say for your water bill there is a charge to the customer.

E bank transfers facilitated by QR codes are free of charges

I’m talking about the US not Thailand. Why do you keep bringing up Thailand? this is a us-based website with content mostly about the US. In the US there were no instant e-bank transfers until
now (the first platform for that just launched a few days ago). Therefore, in the US if any Restaurants use a QR code the code usually leads to a website of their own where you can pay your bill with your credit/debit card or apple pay, google pay, etc. Since it’s still with a card they still pay fees to the networks. And being a card not present transaction (online) they pay a higher fee than for a card present transaction.

 

[SteveJUAE]

I’m talking about the US not Thailand. Why do you keep bringing up Thailand? this is a us-based website with content mostly about the US. In the US there were no instant e-bank transfers until
now (the first platform for that just launched a few days ago). Therefore, in the US if any Restaurants use a QR code the code usually leads to a website of their own where you can pay your bill with your credit/debit card or apple pay, google pay, etc. Since it’s still with a card they still pay fees to the networks. And being a card not present transaction (online) they pay a higher fee than for a card present transaction.

Whilst this is a US centric site as it appears to have more US users it is not exclusive, if you want to avoid confusion then you should be clear on your comments when they are country specific the same as others have when referring to paying in UK for example

Again it seems you are wrong as Zelle has been available since 2017 and now its reported that eighty percent of the US population could connect to Zelle through their banking app, with support by over 1600 financial institutions

This app confirms everything I have said re its free to use and how the QR codes are used etc and not dissimilar to Thailand

Zelle® - Send & Receive Money in our App or Online Banking

Use Zelle® to send and receive money with friends and family – with no fees in our app or Online Banking. Money is sent directly between accounts.

promotions.bankofamerica.com

 

[lartola]

Whilst this is a US centric site as it appears to have more US users it is not exclusive, if you want to avoid confusion then you should be clear on your comments when they are country specific the same as others have when referring to paying in UK for example

Again it seems you are wrong as Zelle has been available since 2017 and now its reported that eighty percent of the US population could connect to Zelle through their banking app, with support by over 1600 financial institutions

This app confirms everything I have said re its free to use and how the QR codes are used etc and not dissimilar to Thailand

Zelle® - Send & Receive Money in our App or Online Banking

Use Zelle® to send and receive money with friends and family – with no fees in our app or Online Banking. Money is sent directly between accounts.

promotions.bankofamerica.com

The comment I responded to was about the US.

As for Zelle, that’s for person to person payments. Retailers in the US don’t use Zelle to accept payments from customers. And if they have a QR, as restaurants do, it’s usually for card payments online using a website of their own. In the US there’s no such thing as the apps used in China or other parts of Asia to pay via QR even at street food stands.

 

[SteveJUAE]

The comment I responded to was about the US.

As for Zelle, that’s for person to person payments. Retailers in the US don’t use Zelle to accept payments from customers. And if they have a QR, as restaurants do, it’s usually for card payments online using a website of their own. In the US there’s no such thing as the apps used in China or other parts of Asia to pay via QR even at street food stands.

Again you assume and presume to know the banking habits of many even in the US

I grant you that many small business and independent retailers may not realize how simple this is to use and requires no commitment or fee's

There are no special apps required as already shown, that are already readily available in the US

Like many have noted its simply awareness needs to increase be it using watches, phones via numerous payment methods

Your comments on security , fees etc remain factually incorrect along with other assumptions and anecdotal replies

Thanks but think I have clearly stated my points now and supplied sufficient details I see little point in further exchange

 

[dk001]

Again you assume and presume to know the banking habits of many even in the US

I grant you that many small business and independent retailers may not realize how simple this is to use and requires no commitment or fee's

There are no special apps required as already shown, that are already readily available in the US

Like many have noted its simply awareness needs to increase be it using watches, phones via numerous payment methods

Your comments on security , fees etc remain factually incorrect along with other assumptions and anecdotal replies

Thanks but think I have clearly stated my points now and supplied sufficient details I see little point in further exchange

You really should look a bit deeper.
Here in the US:
There are fees for CC use.
There are currently no apps like Zelle for consumer purchasing.
QR Codes are site links, usually the business site.
Some banks are setting up their own electronic payment (purchase) methods but they are niche.
AP, GP, SP, etc… are kind of stagnating at the moment.

 

[tmiw]

You really should look a bit deeper.
Here in the US:
There are fees for CC use.
There are currently no apps like Zelle for consumer purchasing.
QR Codes are site links, usually the business site.
Some banks are setting up their own electronic payment (purchase) methods but they are niche.
AP, GP, SP, etc… are kind of stagnating at the moment.

To add, Venmo's probably the closest to being "common" in terms of the QR based payment methods available here but that's not saying much. It's also not that much cheaper for stores than just running cards, but considering that there's a fairly high level of distrust anything that's more pro-merchant than the current CC system is always going be a pretty tough sell for consumers.

 

[lartola]

To add, Venmo's probably the closest to being "common" in terms of the QR based payment methods available here but that's not saying much. It's also not that much cheaper for stores than just running cards, but considering that there's a fairly high level of distrust anything that's more pro-merchant than the current CC system is always going be a pretty tough sell for consumers.

Which is why the last attempt to a more pro-merchant approach, CurrentC, failed. And now most of its former supporters are accepting contactless and apple pay.

 

[_Spinn_]

Love using Apple Pay - especially on my watch. So many people are amazed when I pay from my watch.

 

[mazz0]

Nope. As soon as you hold the iphone close to the reader, the wallet interface activates automatically. On face id iphones you still have to double-click the button afterwards to authorize the payment with face id. On touch id iphones not even that: just make sure your finger is on the fingerprint reader and the payment will be authorized immediately upon holding the iphone near the reader.

Huh, didn't know that. Suppose it's not really an advantage on FaceID phones though if it simply changes the order you do it in.

 

[lartola]

Huh, didn't know that. Suppose it's not really an advantage on FaceID phones though if it simply changes the order you do it in.

Right. It would be an advantage only on touchID iphones, where it does completely eliminate the need to double-press anything.

 

[SteveJUAE]

You really should look a bit deeper.
Here in the US:
There are fees for CC use.
There are currently no apps like Zelle for consumer purchasing.
QR Codes are site links, usually the business site.
Some banks are setting up their own electronic payment (purchase) methods but they are niche.
AP, GP, SP, etc… are kind of stagnating at the moment.

Thanks

You are correct there is not much for general consumer purchasing as far as I can see

These QR P to P type apps favour small private business like market traders and pop up stores eg hotdog stands who can avoid the overheads associated with CC type transfers etc and give an alternative to cash only payments without the burden

 

[lartola]

These QR P to P type apps favour small private business like market traders and pop up stores eg hotdog stands who can avoid the overheads associated with CC type transfers etc and give an alternative to cash only payments without the burden

Correct. But such apps turn out not to be popular among consumers in the US. The failure of CurrentC, which intended to be one such app, is an example of that.

 

[garyjones027]

Apple Pay has been around 8 years and they still have to remind people that it exists, kind of sad and not on Apples part.

Yes. This is true.

In 2023, most Americans in the USA do not know that you can use your mobile phone to pay in credit card machines of USA with Apple Pay, Google Pay, or Samsung Pay.

In 2023, 95% of Americans in the USA own a mobile phone that can do contactless payments in Apple Pay, Google Pay, or Samsung Pay.

In 2023, most Americans feel surprised in USA stores when they see someone use their mobile phone to pay in credit card machines of USA.

Apple knows these facts. This is the reason is why they do this advertisement campaign in USA in 2023.

 

[michaelsanchez0027]

In my experience with hotels, they still want to run your card in person when you get there (for deposits, etc.), even if you book online. However, I am seeing more and more actually be able to handle contactless at the front desk, so there's that.

Anyway, restaurants are the biggest sticking point for me. But to be honest, maybe the QR approach is good enough considering that (a) most people probably don't eat out that often and (b) counter service places handle contactless perfectly fine (for the most part). Definitely not ideal, though, but none of the US EMV migration was.

Mastercard says that some major banks in the USA that use debit cards and credit cards from Mastercard will remove the magnetic stripe in 2027. I think that some of these small businesses in the USA that do not have contactless will be required to update their old credit card machines by 2027.

 

[dk001]

Mastercard says that some major banks in the USA that use debit cards and credit cards from Mastercard will remove the magnetic stripe in 2027. I think that some of these small businesses in the USA that do not have contactless will be required to update their old credit card machines by 2027.

Maybe.
Today I see 4 types of payment readers:

• Swipe (becoming rare)
• Swipe and chip insert
• Swipe, chip insert, and chip touch
• Swipe, chip insert, chip touch, contactless

Maybe by 2030 and beyond we will see mostly contactless.