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Apple Pay Adds 46 More Banks and Credit Unions in U.S.

Last night I noticed Lucky's (Northern California grocery) accepted apple pay - little strange where after accepting my credit only card via apple pay i had to select credit versus debit but no signature required.
 
Red Oak said:
Apple needs to step up its game getting retailers on board

It now does not work at Home Depot (it used to). And, 75% of the time I try to use it at Panera it does not work. And the cashier is completely clueless

It seems to have lost a lot of momentum with retailers in the US. And the international rollout has been snail pace
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This is not apples fight, nor googles for that matter. This is a fight between the card companies and retailers. The retailers decided to draw a line in the sand and say mobile payments are not the same thing as a credit card swipe and we want to try to own that space and save money. This is all about the card swipe fee and ability to track cards to a customers purchased items.

The fraud change which takes effect this year will force the hand of many hold outs to buy new equipment and almost all of them come with NFC buried deep with in.

So we can say it is not hardware cost or lack of hardware amex and visa and mc all made sure of that with the push for EMV adoption and twilight of the old fraud method. This is a war retailers think they can win and in doing so save themselves some money.

I for one will not use Currentc not cause it is not apple pay or samsung pay but cause it requires an ACH to my bank account.
I will just pull out my amex insert the EMV chip and walk out with my food like i always have and they save no money.
I think a few quarters of seeing no one use it will make companies think twice about extending there support agreements with Currentc there is no point in paying for something that is not saving you money nor making customers more loyal.
The stubbornness of the CEO of these companies right now is astounding but then again there is a possible free nickel involved so i see there point of view pure GREED.
 
lolkthxbai said:
Still no support from my credit union... Is support being staggered by Apple or is this my Credit Union's fault? I need someone to yell at.
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Support isn't being staggered by Apple. It's your credit union's fault. They need to initiate a project with the processor they use (assuming the processor is capable of supporting Apple Pay) and then make some changes on their system to support Apple Pay. Apple doesn't really do anything but certify, get a cut of each txn, and get the free publicity. Your credit union should be able to tell you their plans on social media.
 
raydragon said:
And STILL no (NC)SECU. The second largest CU in the US, and they are "still reviewing".
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Ask them if they are in bed with CU Wallet. That's likely the reason they are 'reviewing'. CU Wallet is the joke that is MCX but in the credit union industry...
 
If you want more retailer support take to twitter and Facebook and keep pressure on so they know consumers DEMAND this..keep asking keep pressing. Let them know not supporting it is not acceptable.
 
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lolkthxbai said:
Still no support from my credit union... Is support being staggered by Apple or is this my Credit Union's fault? I need someone to yell at.
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I've asked my local Credit Union and they've chosen some third party application specifically for CU's. They didn't want to develop a solution only for one mobile platform :(
 
Awesome. All my cards but 1 are now on Apple Pay and I can only use it at the Apple Store and occasionally Panera Bread. Life is Good!
 
Citizens Bank is not listed yet but it's gotta be close, I can enter my debit card info and terms and conditions come up (never did that before) but then the card doesn't add. Also on their Twitter they are telling people that ask "very soon" and the past few weeks their response was by the end of the year.
 
My local bank is still dragging its feet. I've contacted them twice about enabling Apple Pay. Their responses have ranged from "Never" to "We're thinking about it."
 
Am I alone in finding that paying with Apple Pay is dramatically more cumbersome than simply swiping my card? Seriously, it took forever to make my last Apple Pay purchase at, of all places, the Apple Store on Michigan Ave in Chicago.
 
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godrifle said:
Am I alone in finding that paying with Apple Pay is dramatically more cumbersome than simply swiping my card? Seriously, it took forever to make my last Apple Pay purchase at, of all places, the Apple Store on Michigan Ave in Chicago.
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I have had this experience as well. I will say though that knowing it is far far more secure and not having to replace my card for the millionth time makes the mild cumbersome nature of using it ok. I think as we deploy more and more the check out people will figure out how to use it more and more.
 
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Shunnabunich said:
I'll second the call for support in Canada. In fact, it already works if you have a US credit card to use with it—back when I worked customer service at Canadian Tire (either very early this year or possibly even last year, can't remember), I processed a guy's order using Apple Pay without incident simply by telling the register it was a credit card transaction. He pulled up his Amex in Passbook, tapped his iPhone and ding. So really, it's just up to the Canadian banks to get their thumbs out of their asses (ha, good luck with that) and make it possible to use Canadian debit and credit cards with Apple Pay. I know US retailers are facing the challenge of widespread hardware upgrades to even support NFC payments in the first place, but I'm unclear as to whether they have to do anything else to specifically support Apple Pay; since the phone presents itself to the reader as just another card, I imagine Canadian retailers would be taken care of the minute the banks wake up (if my experience is any indication), but I suppose I could be wrong…?
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When I used Apple Pay in Vancouver and Victoria, there were no issues, so I think you're correct. As soon as Apple Pay lets Canadian Cards in, you're all set!
 
Cuban Missles said:
I guess my comment is a rehash of all the others. In the US we need more vendors accepting Apple pay. Adding banks is nice, but useless until I can actually use Apple Pay to purchase. Whole foods one taxi and a few spots here and there is all I have been able to get. I actually bought a phone cover where I can store my credit card due to the lack of apple pay acceptance. Really need to get retailers to pick up their game here.
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CM, I think by the end of October, the tide will change. This summer is the time for the stores to get on the spot for accepting NFC payments, and if my experience is a gauge, the retailers that have NFC terminals, outside of the dedicated non-ApplePay places, will take it.

Have I tried at Rite-Aid?
No. I haven't been in a Rite-Aid since they said they'd not take Apple Pay. I drive right past it on the way to Walgreens, a mere 1/4 mile away.

What about Walmart?
This is one where I just swipe the card. However, I just buy stuff that is the same quality as the expensive stores, like soda, cereal, and household supplies.

The bank that I use for these is our secondary bank, which has local offices. Our main bank has told me (verbally) that they'll come online 4Q15, so I told them I'd wait until January before pulling my assets out of it and go to TD Ameritrade.
 
Cuban Missles said:
I guess my comment is a rehash of all the others. In the US we need more vendors accepting Apple pay. Adding banks is nice, but useless until I can actually use Apple Pay to purchase. Whole foods one taxi and a few spots here and there is all I have been able to get. I actually bought a phone cover where I can store my credit card due to the lack of apple pay acceptance. Really need to get retailers to pick up their game here.
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Agree. Where I live, I've been able to use it at my grocery store, Cub Foods owned by SuperValu, Walgreens and McDonald's. I've emailed the manager of my liquor store and they say they are working on it but it's been a few months and still nothing. I worked in Vegas recently and even the McDonald's in the Luxor wouldn't take it, no love with taxis. When I was in Chicago, I used it in several taxis, Walgreens and McDonalds. I don't know if it's just a software upgrade issue because most of these places have an NFC terminal but it won't do Pay but its really annoying. The last time I went to the liquor store I brought it up again and the cashier said they haven't updated yet but another customer had asked about it, too. So, really, I think we just need to start demanding it. Email the managers of the places you want to use it. Be a PITA. Like most things, that's the only way they will get on the stick.
 
godrifle said:
Am I alone in finding that paying with Apple Pay is dramatically more cumbersome than simply swiping my card? Seriously, it took forever to make my last Apple Pay purchase at, of all places, the Apple Store on Michigan Ave in Chicago.
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I love when I can use Pay. Used it via iPhone and Watch and it's much better than digging out my wallet, digging out my credit card, swiping, and putting it all back together and back into my purse.
 
laurim said:
Agree. Where I live, I've been able to use it at my grocery store, Cub Foods owned by SuperValu, Walgreens and McDonald's. I've emailed the manager of my liquor store and they say they are working on it but it's been a few months and still nothing. I worked in Vegas recently and even the McDonald's in the Luxor wouldn't take it, no love with taxis. When I was in Chicago, I used it in several taxis, Walgreens and McDonalds. I don't know if it's just a software upgrade issue because most of these places have an NFC terminal but it won't do Pay but its really annoying. The last time I went to the liquor store I brought it up again and the cashier said they haven't updated yet but another customer had asked about it, too. So, really, I think we just need to start demanding it. Email the managers of the places you want to use it. Be a PITA. Like most things, that's the only way they will get on the stick.
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What I always do is wave my phone or watch at the credit card reader. One of three things happen.
  1. It works! I am happy (does not happen enough)
  2. Nothing. I make a remark about them needing to get with the times and pull out my credit card (this used to be the majority of the time, but now #3 is the biggest response)
  3. The NFC recognizes my Apple Pay but then tells me that they are not accepted. At which point I tell them what a disappointing statement it is and this will discourage me from shopping there. They shrug. I dig out my credit card.
I actually have my credit card in my phone case so I am prepared, but I think if we all make it a point to try Apple Pay first it would go a long way. I am assuming that every time they deny my apple pay it registers somewhere. Enough of that happens a report should show up on someone's desk that could affect change. it will slow us down a few seconds but it will make a significant difference in the end. Remember the slower the line moves, the less revenue the merchant makes. Take your time digging out the CC.
 
Cuban Missles said:
What I always do is wave my phone or watch at the credit card reader. One of three things happen.
  1. It works! I am happy (does not happen enough)
  2. Nothing. I make a remark about them needing to get with the times and pull out my credit card (this used to be the majority of the time, but now #3 is the biggest response)
  3. The NFC recognizes my Apple Pay but then tells me that they are not accepted. At which point I tell them what a disappointing statement it is and this will discourage me from shopping there. They shrug. I dig out my credit card.
I actually have my credit card in my phone case so I am prepared, but I think if we all make it a point to try Apple Pay first it would go a long way. I am assuming that every time they deny my apple pay it registers somewhere. Enough of that happens a report should show up on someone's desk that could affect change. it will slow us down a few seconds but it will make a significant difference in the end. Remember the slower the line moves, the less revenue the merchant makes. Take your time digging out the CC.
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I've been trying this at a lot of "NFC logo'd" places again since a few discussions around this forum came up around it... So far around central PA the NFC logo means that Apple Pay has about 10% chance of working, except at gas stations and major retailers (more than 20 stores), where the percentage is 0%. NFC logo is still just a joke to me as far as telling anything about Apple Pay acceptance. After a few months I'm back to not even bothering since I'll just be reaching for my wallet in disappointment anyway. (I'm sure this is the desired response anyway..)

The places I shop the most I just remember to stop at the ATM first and use cash. If I am going to be buying online (for an online deal/sale) I use a gift card purchased with cash.

If you want to make it on a report on someone's desk, you'll need a ton of people that would just leave the items behind if Apple Pay doesn't work and paying cash only from then on if they need to ever buy anything there. Losing a lot of customer tracking data plus the wasted time restocking will end up on a report. Yes, it sucks for the employees who restock, but they are getting paid anyway so...

Saying anything to a regular employee or even a site manager in store will do zero; they have zero authority. Only those in earshot will ever hear your responses. You'll never be mentioned buy those people again, especially if they still got the sale. A regional manager might have the ear of someone higher up but only rarely.
 
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Cuban Missles said:
What I always do is wave my phone or watch at the credit card reader. One of three things happen.
  1. It works! I am happy (does not happen enough)
  2. Nothing. I make a remark about them needing to get with the times and pull out my credit card (this used to be the majority of the time, but now #3 is the biggest response)
  3. The NFC recognizes my Apple Pay but then tells me that they are not accepted. At which point I tell them what a disappointing statement it is and this will discourage me from shopping there. They shrug. I dig out my credit card.
I actually have my credit card in my phone case so I am prepared, but I think if we all make it a point to try Apple Pay first it would go a long way. I am assuming that every time they deny my apple pay it registers somewhere. Enough of that happens a report should show up on someone's desk that could affect change. it will slow us down a few seconds but it will make a significant difference in the end. Remember the slower the line moves, the less revenue the merchant makes. Take your time digging out the CC.
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The problem with that method is that the minimum wage cashier doesn't give a rip whether you are disappointed about Pay not working. That shrug you see is proof of that. I highly doubt a manager would ever know you are disappointed about this. Passive aggressiveness like you are doing is for wimps. That's why I go straight to the top with an email. Written correspondence is always better than verbal. And you don't annoy the other people in line by holding everyone up. Quickest way to make Apple people look like douches.
 
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