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Apple Not Worried About Apple Pay's Slow Adoption, Believes on Path to Replace Cash and Cards

maflynn said:
I don't use it, mostly because it tends to be easier to use my credit card.
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It may be 'easier' at the time. But when you card information is hacked, and you have to cancel your card and order up another one, it can be a lot of hassle. The beauty of Apple Pay is that your information is useless once it has been used for that one transaction.

Using Apple Pay at every opportunity is a great way of encouraging retailers to adopt more advanced and more secure payment methods than the old VHS tape glued to a plastic card routine that has been the norm since the 1980s.
 
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profets said:
Lol but what if you lose your wallet? Then not only are you without credit cards, but someone could likely be using them in the meantime.
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That's true but I'm not worried about loosing my wallet. Phones are fragile and not infallible and that is not likely to change. That is the worry.
 
I try to use it because my credit card has been compromised twice by hackers stealing a retailers data. So it wasn't me, my bank or my credit card company that had crappy security but that nameless large retailer. I suppose that after the first time I shouldn't have used my card there again, but it was a year after the first time and they swore they had fixed/hardened their security.

I do wish that it was more universally accepted here.
 
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I use it when I can. Most of the stores I frequent don't support it, except for a small local grocery store. I now shop there more often; it's much easier to use my watch to pay instead of digging out my wallet. If I had to use my phone it wouldn't be that much easier - but I'd still get the benefit of the extra security.
I'm envious of the other countries where contactless is standard. We vacationed in Australia a week after Apple Pay came out - even at that early time it worked flawlessly in most restaurants.
 
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MacRumors said:


The company is said to be working with retailers to add Apple Pay instructions into work manuals as a way to spread knowledge of the mobile wallet's check-out process.
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This is the most frustrating part. Retailers, more specifically local management, do a poor job at training employees!
 
ZCT said:
In all fairness, American consumers are notoriously slow to adapt to changes in payment methodologies.

Contactless and Chip and PIN systems have existed outside of America for well over a decade, yet so many American machines still have a Post It attached to them saying that the chip reader doesn't 'work.'
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I think the reason why the US is slow to adopting new ways of paying for stuff is because it's hard to convince a country of 300 million people to use a different way of paying for things because they're used to using the old way for the past 50 something years.

Also, the reason why most card machines in the US have Chip and PIN but isn't enabled is because retailers are too lazy to figure out how to enable them.
 
ZCT said:
It may be 'easier' at the time. But when you card information is hacked, and you have to cancel your card and order up another one, it can be a lot of hassle. The beauty of Apple Pay is that your information is useless once it has been used for that one transaction.
Click to expand...
Hasn't been hacked yet, and amex does a great job at monitoring my activity, to the point where they're very proactive. Again, its easier how much more risk is there
 
I use Apple Pay everywhere I'm able which is mostly Albertson's for me locally. It used to work at Stater Brothers but they did some kind of update to their POS POS and now everytime I try it pops up asking for a 10-digit code and they have to reset the scanner. I was talking with one of the checkers about it over the weekend and she said her debit card doesn't work there anymore either so who knows WTF is going on. Other than Apple Pay I use my Paypal debit card everywhere since I get e-mailed receipts and have set a transaction limit in case anything happens where it gets lost. I do wish they'd issue chip cards though.

I do not understand what is up with Walmart and their Walmart Pay nonsense. I can't see people who are unwilling to use something built into their phone going and downloading a specific app and adding their cards to another system they have no control over.
 
I7guy said:
And as @maflynn said above, it's easier to use my credit card than take out my phone fro my pocket. Ymmv on all these points.
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Agreed, and the handful of times I tried to use it, it took a couple of attempts, either because the cashier had to hit a certain button, or the NFC

ZCT said:
It may be 'easier' at the time. But when you card information is hacked,
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By the way, I have those chip cards which also increases the security.
 
ZCT said:
It may be 'easier' at the time. But when you card information is hacked, and you have to cancel your card and order up another one, it can be a lot of hassle. The beauty of Apple Pay is that your information is useless once it has been used for that one transaction.

Using Apple Pay at every opportunity is a great way of encouraging retailers to adopt more advanced and more secure payment methods than the old VHS tape glued to a plastic card routine that has been the norm since the 1980s.
Click to expand...
ZCT said:
It may be 'easier' at the time. But when you card information is hacked, and you have to cancel your card and order up another one, it can be a lot of hassle. The beauty of Apple Pay is that your information is useless once it has been used for that one transaction.

Using Apple Pay at every opportunity is a great way of encouraging retailers to adopt more advanced and more secure payment methods than the old VHS tape glued to a plastic card routine that has been the norm since the 1980s.
Click to expand...

OMG are your crying out conspiracy?!

the beauty of apple pay?!?! lol

do you know how dorky we look using our iphones to pay?!

do you know how foolish that person looks using their apple watch to pay?! lol

it's nerdy
 
Doctor Q said:
Since when did Apple consider "adequate" to be adequate?

Apple Pay is successful, just not taking the world by storm. I'm sure that Eddy Cue and others would like to see a faster adoption rate, something they could boast about rather than offer explanations.
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Why don't we see stickers everywhere that say "Apple Pay Accepted Here"? Why aren't they being more aggressive with their marketing? Why aren't they pushing for Digital IDs so the wallet truly can be a relic of the past?
 
I'm about 50/50 with using my phone and debit card to pay with things. It's whatever I have to hand first.
 
RobinInOR said:
I use it when I can. Most of the stores I frequent don't support it, except for a small local grocery store. I now shop there more often; it's much easier to use my watch to pay instead of digging out my wallet. If I had to use my phone it wouldn't be that much easier - but I'd still get the benefit of the extra security.
I'm envious of the other countries where contactless is standard. We vacationed in Australia a week after Apple Pay came out - even at that early time it worked flawlessly in most restaurants.
Click to expand...

5 seconds to grab my wallet or 5 seconds to grab my iphone from my pants. not to mention fumbling around for the stupid home button press to get the damn card to come up for apple pay.


"HEY EVERYONE!" "LOOK AT ME I"M USING APPLE PAY!"

lol - most places i go to are always surprised when i use it because nobody does.
 
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I guess no one from apple has ever gone to a restaurant or a neighborhood deli. My bank card with the chip works everywhere, no exception and I can get cash (also everywhere).

As long as people still need to walk around with a card this will still be a 2nd choice. I do not even use it at Starbucks anymore, you just put the chip in now.
 
maflynn said:
Hasn't been hacked yet, and amex does a great job at monitoring my activity, to the point where they're very proactive. Again, its easier how much more risk is there
Click to expand...

How it works is that they use random number that your device gives to the merchant. Your real card number isn't stored on the device or on Apple's servers, and the merchant doesn't share your real card number with Apple. The random number is still linked to your card so the credit card company can still see where you used the card and how much (Apple does not know what you bought, where you bought it, and how much you paid for it), but it's useless outside of using Apple Pay.
 
Maybe more people would give it a shot if Appe would make incentives for Retailers to offer it and consumers to use it.

For a while then I dismissed slow adoption to "well, people don't have TouchID phones yet". But a few years later then most people I know have TouchID but are completely unaware about ApplePay. I know the trend is to blame the end user but Apple has been on this path of creating tech (or kits) and then thinking 3rd part is so in love with them that they'll do the rest of the work for free.
 
It would be nice if Apple Pay supports prepay like reloading it with iTunes giftcards. There will be a lot of kids using it since these kids don't have bank/credit cards. Parents will be giving allowances to their kids and reload via text or giving them with iTunes giftcard on their birthdays or any special occasions.
 
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MysteryMii215 said:
How it works is that they use random number that your device gives to the merchant. Your real card number isn't stored on the device or on Apple's servers, and the merchant doesn't share your real card number with Apple. The random number is still linked to your card so the credit card company can still see where you used the card and how much (Apple does not know what you bought, where you bought it, and how much you paid for it), but it's useless outside of using Apple Pay.
Click to expand...
I know how it works, but then I wasn't asking about that ;)
 
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