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I love Apple pay when it works. The problem is that it doesn't work most of the time. I try it everywhere I go before reaching for my ATM card. I live in Los Angeles, CA.

This has been my issue. After so many failed attempts, I just stopped.
 
A few have mentioned the £30 limit in the UK. If the store is properly accepting Apple Pay then you can spend more using the finger print ID. I've paid Ikea and M+S both more than £30 on a couple occasions and it's fine.
 
Whatever they say outwardly, I hope inside the company they are impatient. Apple Pay should be ubiquitous. It's a difficult problem though, because Apple doesn't control the whole system (or won't until they sell their own Apple Pay NFC readers for POS).
 
I really wish this would become more mainstream and especially more seamless. I know in the past I've been to places where I wasn't sure if they took apple pay or where I tried to do apple pay but it didn't work because the cashier had to push some button....

Lately, I've been using sprouts as my primary grocer and it's been fantastic. I can just use apple pay (watch or phone) while the cashier is checking me out and it just... works. I don't even bring in my wallet anymore.
 
I stopped carrying a wallet or cards in April last year. The only staff I've seen who are confused are medical receptionists because they are sitting down and used to grabbing cards off people.
When you think about the dirty places cash could have been, it's kind of disgusting.
 
I love using Apple Pay, I just wish it worked with debit for online purchases!
 
Works great in the UK, nearly all shops now have contactless which accept Apple Pay by default.

I agree, I use it a few times per week and there are more places (where I live) that now have contactless terminals. There's only Asda supermarket in my area that doesn't have contactless terminals, which I find surprising as all the other supermarkets have.

Since getting the Apple Watch, I find Apple Pay is so much more convenient.
 
You don't have to fumble around with anything. Just hold the iPhone to the reader with your finger against the Home button and it will work just fine. The double-tap is only necessary if you want to switch to a different card than your default card for a payment.

I personally use Apple Pay for 99% of my payments now. Pretty much everybody takes it here in Toronto. It's much faster than digging out a credit card from my wallet. I just hold my iPhone (or my Apple Watch, although it does require a double-tap, but it's not hard) to the reader and I'm done.

it's not just me having that issue. sometimes the phone unlocks or brings up the card.
 
That seems to be the tradeoff between the two:
CREDIT CARD:
-if you lose the card, they can send you another one for free, within a short time
-if you lose your iPhone or it gets damaged, it's much more expensive to have to replace that
-nearly universally accepted

APPLE PLAY:
-better security
-if your cc gets compromised, you'd need to redo all of your automatic payments set up with that card, as well as any accounts linked to it (e.g. EZ Pass transponder service, subscriptions, etc.)
-Just "tap and go"


Right now this is a fair short summary.
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I love using Apple Pay, I just wish it worked with debit for online purchases!

I have a Visa debit card through my bank. It says Visa and is run through Visa (somehow) but it only accesses my bank account. It is not a credit card. I know for certain that this card works with Apple Pay, including web sites that accept Apple Pay.
 
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Contactless payment is not the future; lose your iPhone and without credit cards, you are stranded.

It's much easier to whip out a credit card.

Having said that I use Apple Pay at times.
It may not necessarily be the phone. But I can currently use either my phone or my Apple Watch for Apple Pay. Whatever the future holds probably will not be (primarily) plastic cards.
 
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if they would lower their Vig the adoption rate will be highter. But this is a company that is selling a thousand dollar watch no one needs so.....
 
You're right, absolutely no danger using ATM's anywhere-https://www.google.com/amp/newyork.cbslocal.com/2017/03/09/atm-skimming-scam/amp/

Of course, this article is a week old so I'm sure that they've fixed this problem and you don't have to worry that your easy and friendly magnetic strip just gave someone all the information required to access your account. And you monitor your account regularly anyway, so if a couple of repeating $20 or $30 dollar charges show up every few weeks with some official sounding name I'm certain you would notice immediately, especially if the company billing you is one you regularly use. I mean, it's next to impossible to run a check on someone to find out where they shop, right?

And whatever you do, don't search the net for ATM Scams or skimmers. There isn't any point and besides our current system is secure enough.

Oh please... And the sky is falling. So you never go to a restaurant? How do you take out money now? How did our parents ever make it past 30?

Go sell the "you are not safe" nonsense somewhere else.
 
I love ApplePay. I use it where ever I can, which is most places now. I'm in Canada, so it hasn't been available here for quite as long as in the States, and I do still frequently get the "did you just pay with your phone? I've never seen that before!" reaction from cashiers. I wonder why Apple doesn't promote it more. If I wasn't into tech stuff, the only indication that I would have ever had that ApplePay is a thing in Canada is a small banner ad that appeared on my bank's website for about a week when it first launched. It's like they want to keep it a secret.
 
I use it everywhere I can. Love it. Any issues I've had with it are on the merchants side, not Apple's. I really hope to see it adopted at more places.
 
When it came out I thought it was a gimmick. However, with Apple Watch in particular, it is easier than getting out a credit card. I find I can use it virtually everywhere in the UK now. Well done to Apple, UK banks and UK retailers on this one.
 
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"When retailers didn’t support it initially, the person said, Apple executives were reluctant to promote it and invest in retail terminals that would spur adoption."

Well that would add something to the mix and help out people. This is like saying all website merchants will adopt Apple Pay... I guess it would be seperate Terminals, because i doubt Westpac, Commonwealth bank will "add" Apple Pay when they don't wanna even support it themselves
 
Use it all of the time with apple watch/iphone. It's faster than using my credit card with tap.. and feels more secure. I live in Canada, and most retailers have tap/nfc terminals now.
 
I'd say Publix is a pretty large retailer. Not only do they not support NFC payments, they replaced all of their card terminals last year with new non-NFC ones despite knowing, presumably, that NFC payments are a thing. The local Muvico theater used to support NFC payments on their outdoor kiosks but it has been mysteriously disabled even though the hardware still works (you just get an "unsupported" error when you use Apple Pay) and you can still use Apple Pay if you wait in line at the front desk.
 
Works great in the UK, nearly all shops now have contactless which accept Apple Pay by default.

To say that "nearly all shops" in the UK accept contactless payments is certainly not my experience. A lot of shops do yes but nowhere near all shops do. Plus you still have the £30 payment limit for contactless payments.

I don't use Apple Pay because it's easier to get out my debit/credit card and use that instead.
 
Oh please... And the sky is falling. So you never go to a restaurant? How do you take out money now? How did our parents ever make it past 30?

Go sell the "you are not safe" nonsense somewhere else.
I wasn't planning on commenting, but i felt the need when it seems so many people do not understand the importance of protecting your personal data or credit card numbers. Reading comments like my bank reimburses fraudulent charges no questions asked, or all i have to do is cancel my card and get a new one, or there is no real risk with swiping my credit card just baffles me. I guess it really shouldn't with other stats out there like phishing emails "time to link click" is less than 1 minute and 30 seconds. Why do you want to bother with the hassle of calling the bank, reporting the fraud, and waiting to be sent a new card overnight? What are you going to do when the criminal starts using your identity because your information was in the retailers database that was hacked? Being in the InfoSec field, I may view this differently, but I do suggest people wake up and realize that we live in a different world today than 20 years ago. I can tell you from experience there are many retailers out there that do not have adequate security protecting your data. It is not going around saying the sky is falling, just facts.
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I'd say Publix is a pretty large retailer. Not only do they not support NFC payments, they replaced all of their card terminals last year with new non-NFC ones despite knowing, presumably, that NFC payments are a thing. The local Muvico theater used to support NFC payments on their outdoor kiosks but it has been mysteriously disabled even though the hardware still works (you just get an "unsupported" error when you use Apple Pay) and you can still use Apple Pay if you wait in line at the front desk.
Publix was part of CurrenC and is one of the companies fighting against the use of safer payment technologies. I was never a fan of Publix and their decision here helped me stop shopping there almost entirely.
 
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Been using Apple Pay as soon as it launched in Singapore and now, almost all retailers here accept it. I barely bring more than $20 in cash out now, it's brilliant!
 
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