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.
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.
I use it were I can, and its a deciding factor in where I shop, within reason.
Works great in the UK, nearly all shops now have contactless which accept Apple Pay by default.
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.
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"
I love using Apple Pay, I just wish it worked with debit for online purchases!
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.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.
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.
it's not just me having that issue. sometimes the phone unlocks or brings up the card.
Works great in the UK, nearly all shops now have contactless which accept Apple Pay by default.
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.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.
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.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.