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Apple Pay at Home Depot...

I don't really get the interest in specific vendor support.

Since I started tapping my credit card I thought it was a nice feature but not thread worthy.
 
Has anyone been able to use this with a. MasterCard yet?

It failed again on me yesterday, the message on her screen was card declined, card type must be swiped (or close to that). She had me try it twice and same message.

I guess I leave feedback on it with homedepot....
 
TraceyS/FL said:
Has anyone been able to use this with a. MasterCard yet?

It failed again on me yesterday, the message on her screen was card declined, card type must be swiped (or close to that). She had me try it twice and same message.

I guess I leave feedback on it with homedepot....
Click to expand...

You need to leave feedback with MasterCard, not Home Depot. Amex and Visa work just fine with Apple Pay at HD.
 
Just tested it with a set of cheapo HDX brand screwdrivers and it continues to work fine. My local Home Depot even says Insert now, alluding to that Chip & PIN is activated.
 
I actually work as a supervisor at one of my local home depot stores and I have seen apple pay work at a mainline cash register, the self checkout, and at the returns desk.

One of my staff used her iPhone 6 to try it out and it worked by the cashier pressing the "credit/debit" button at the total/tender screen and then holding the device up to the pin pad. She was then prompted to authorize via touch id and it worked.

We took the sale over to the returns desk to see how returns would work. Since apple pay generates a one-time use debit number (the last 4 digits of which show on the receipt) and does not transmit the actual account number to the merchant, we were curious to see how the system would process the refund.

The options it gave were cash, store credit, and debit - but only showed the same last 4 digits of the randomly generated number. We did not proceed any further from there
 
So I would assume that my Visa card would work at our local Home Depot. That is nice to know since my Master Card debit card was hacked there last summer. This is one of the reasons I've used Apple Pay as often as I can, and get upset when stores like Meijers that support Apple Pay have registers etc that malfunction.
 
Nearly every first generation Apple product is fraught with bugs, this is no different. Give Apple a year and they'll get it fixed, they always do.

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Tom G. said:
So I would assume that my Visa card would work at our local Home Depot. That is nice to know since my Master Card debit card was hacked there last summer. This is one of the reasons I've used Apple Pay as often as I can, and get upset when stores like Meijers that support Apple Pay have registers etc that malfunction.
Click to expand...

You have a False sense of security via Apple Pay this soon.
 
TWD98j said:
The options it gave were cash, store credit, and debit - but only showed the same last 4 digits of the randomly generated number. We did not proceed any further from there
Click to expand...

I had to do two returns - once at Meijer and once at my local Home Depot and they processed it to go back on my card. At Meijer, I just had to hold my phone near the reader and act like a normal Apple Pay transaction, while Home Depot they just did a return back on the card and didn't need anything from me. I suspect that somehow on the bank's end, the card and one-time number are paired up once again (sort of like if, in the course of a month, you bought something, had a replacement credit card sent to you with a different number, and then returned something). I don't have specifics from the store staff member standpoint, but in both cases, they seemed to just treat it like a normal return and didn't do anything special.
 
Refunds are possible because the token does not change

ecschwarz said:
I suspect that somehow on the bank's end, the card and one-time number are paired up once again ...
Click to expand...

It's not a one-time number, however it's a device specific number. See below.

TWD98j said:
One of my staff used her iPhone 6 to try it out and it worked by the cashier pressing the "credit/debit" button at the total/tender screen and then holding the device up to the pin pad. She was then prompted to authorize via touch id and it worked.

We took the sale over to the returns desk to see how returns would work. Since apple pay generates a one-time use debit number (the last 4 digits of which show on the receipt) and does not transmit the actual account number to the merchant, we were curious to see how the system would process the refund.
Click to expand...

The Apple Pay token device account number does not change. (If it did, and token payments took off, the banks would soon face a shortage of account numbers.)

Instead, what changes are the surrounding codes (think of them as super CVVs) generated specific to the transaction. Like a regular EMV chip card purchase, those dynamic cryptograms are what makes the in-person transaction replay-proof.

Note: According to Apple, each iOS device has its own token account number for the same real credit card. Therefore the same device that was used to buy the item, probably has to be used to tap to get the refund at most stores.

(You can go into Passbook, choose the card and tap the (i) info button to see the last four digits of the assigned token account number. They should show up on a merchant receipt as well.)

Hmm. I wonder if the same real card also gets the same last four digits assigned, even across multiple devices. It'd be interesting for someone with two Apple Pay devices to check this.
 
kdarling said:
Hmm. I wonder if the same real card also gets the same last four digits assigned, even across multiple devices. It'd be interesting for someone with two Apple Pay devices to check this.
Click to expand...

Doubtful. Since the DAN is a Device specific account number. That way, if your device is stolen, you don't need to replace the card. So if you have 2 iphone 6s, and the same card in Apple Pay on both, you will get two different DANs. And if one device is stolen, you can still use the other device with that card.

"Once your card is approved, the payment network or your bank creates a device-specific Device Account Number, encrypts it, and sends it along with other data (such as the key used to generate dynamic security codes unique to each transaction) to Apple. Apple can’t decrypt it, but will add it to the Secure Element within your device. The Secure Element is an industry-standard, certified chip designed to store your payment information safely. The Device Account Number in the Secure Element is unique to your device and to each card added."

http://support.apple.com/en-us/HT203027

Also, even if you remove and re-add the same card to the same device, it gets a different DAN.
 
HD has still not acknowledged or embraced Applepay. Some stores except it others don't even have the new terminals with the NFC. It's strictly hit and miss in HD
 
caesarp said:
Doubtful. Since the DAN is a Device specific account number. (snip)
Click to expand...

Sure, as I've explained many times.

However, it's possible that each device could be deliberately assigned the same last four digits for the same card, while other digits differ.

The reason I bring this up, is because the EMV token spec talks about sending the real account's (the PAN's) last four digits back to be printed on the customer receipt.

In addition, First Data documents show the last four digits of their example token account number, as being the same last four digits of the real account.

So I started wondering if Apple Pay implemented it that way or not. Not necessary of course, but would make it easier for people and machines to see a relationship between a real card and electronic token version and printed receipts.

Edit: forgot about the Luhn check digit at the end. Will have to write some code to see how much this would complicate things. Hmm. Doesn't Apple pay also have a nine device max? Sounds like maybe a 1-9 range in some digit is set aside.
 
Last edited:
bushman4 said:
HD has still not acknowledged or embraced Applepay. Some stores except it others don't even have the new terminals with the NFC. It's strictly hit and miss in HD
Click to expand...

My store has it, and it is on the screen to use it when paying. The store is also listed in the MC nearby app.

I guess I will have to leave feedback with HD, MC and my babk about it. Maybe one will get it working or pressure the others.
 
I can confirm that Google wallet is also not working at Home Depot. So, you should contact Google and MasterCard and tell them that their app is not functioning properly and that a pay pass location is not working with Google wallet.
 
mrcobra92 said:
I can confirm that Google wallet is also not working at Home Depot. So, you should contact Google and MasterCard and tell them that their app is not functioning properly and that a pay pass location is not working with Google wallet.
Click to expand...

Except many HD (including mine) are not even in the MasterCard Nearby app as one of the retailers that take paypass (or contactless for that matter).
 
ecschwarz said:
I had to do two returns - once at Meijer and once at my local Home Depot and they processed it to go back on my card. At Meijer, I just had to hold my phone near the reader and act like a normal Apple Pay transaction, while Home Depot they just did a return back on the card and didn't need anything from me. I suspect that somehow on the bank's end, the card and one-time number are paired up once again (sort of like if, in the course of a month, you bought something, had a replacement credit card sent to you with a different number, and then returned something). I don't have specifics from the store staff member standpoint, but in both cases, they seemed to just treat it like a normal return and didn't do anything special.
Click to expand...

The device token is static. The auth token is dynamic. You only need the device token to process a return.

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TraceyS/FL said:
My store has it, and it is on the screen to use it when paying. The store is also listed in the MC nearby app.

I guess I will have to leave feedback with HD, MC and my babk about it. Maybe one will get it working or pressure the others.
Click to expand...

The HD by my house worked fine with apple pay for a month or two, but they have since disabled it. When I tap now, a message pops up on the cashier asking me to swipe my card. They didn't know what was going on until a manager came over to tell me that contactless payments have been disabled.

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mrcobra92 said:
I can confirm that Google wallet is also not working at Home Depot. So, you should contact Google and MasterCard and tell them that their app is not functioning properly and that a pay pass location is not working with Google wallet.
Click to expand...

They may have disabled it. Googlet Wallet worked fine at the HD near me until a few weeks ago. Manager said they disabled contactless payments.
 
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