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Apple Pay at Home Depot...

JayLenochiniMac said:
Won't do much good to report that MasterCard won't work at HD as it's not even on the list as one of the retailers that officially support Apple Pay. They'll say, duh, it's not even officially supported!
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I'm not sure why your so negative. I personally thought it interesting they had added a feedback section to the darn thing - I went there to request allowing us to nickname cards because I have multiple accounts at the same bank.

They have a section where you can request a merchant accept it.

How can it HURT to report that a merchant is advertising NFC payments, and MC isn't working via ApplePay? Since I did fill it out, I did say I wasn't sure who to report it too.

Now, if they are having troubles at HD with the system I can understand that. I'm not being a bitch about this to them, I swiped my card and went on my way. The terminal stated they were accepting NFC, so I tried it. Again. It had a google wallet mention, and to be honest I can't remember if it said apple pay or not. I have to go back there today so I will check.

But, Apple wants this to succeed, and apparently has someone processing feedback for transactions that don't work or are declined (declined has it's own feedback area). What did it cost me to report it? A few minutes f my time. Quite frankly, I was more irritated when it didn't work at Disney Friday than Home Depot, which probably was just compounded by the bad run in prior with some CMs that needed some better training.

And, I just checked and my HD is still in the app, not that that matters.
 
I use an American Express card when at HD. It's never been declined using Apple Pay, but I've not bought anything in about 3 weeks. Prior posts in this thread are saying HD has dc'd Apple Care support at their terminals.
So am I to understand that it no longer works after being successful since launch?
Someone, please confirm.
 
ron7624 said:
I use an American Express card when at HD. It's never been declined using Apple Pay, but I've not bought anything in about 3 weeks. Prior posts in this thread are saying HD has dc'd Apple Care support at their terminals.
So am I to understand that it no longer works after being successful since launch?
Someone, please confirm.
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I'm not sure, but it hasn't worked most locationd since launch. It's been hit and miss in the stores. My store supposedly went active the end of November (that was when the manager told me they were turning it on). I had a purchase around then but knew I was returning part of it and didn't want a mess, so I skipped it.

At this point, it sounds like it is a store by store thing. I will certainly try again when I get there today or Tuesday. And in the middle I will give it a go at Disney!
 
TraceyS/FL said:
They have a section where you can request a merchant accept it.
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Most certainly nothing wrong with requesting that a merchant accept it.

Again. It had a google wallet mention, and to be honest I can't remember if it said apple pay or not. I have to go back there today so I will check.
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It most certainly doesn't say apple pay on the terminal, unlike Sprouts and some other retailers that officially support Apple Pay.

Given that HD isn't on the list of retailers that officially support Apple Pay, the user experience is pretty much a mess. We have the following:

-Amex and Visa, but not MasterCard, work at some HD locations
-It may not work at some HD locations if they have NFC-enabled terminals, even with Amex and Visa
-Some members are reporting it disabled after working for a period of time

That said, you'll have the most success if you use an Amex or Visa card. Otherwise, it working at this point is just a bonus. If and when HD becomes officially supported, they will strive to ensure it works with cards from all participating banks/card issuers.
 
The key being, they don't have to join apple's marketing ranks to support it. They are advertising at my store, on their terminals, that they are supporting NFC payments.

Apple itself tells you to look for the symbol.... Which is there on the screen of the terminal.

Heck, all Disney did was slap an NFC symbol sticker on their readers, no Apple Pay verbiage.

My feedback to ALL parties (HD, MC, bank, Apple) was not confrontational, but questioning and informing. At least someone will know someone is trying it there.
 
TraceyS/FL said:
The key being, they don't have to join apple's marketing ranks to support it. They are advertising at my store, on their terminals, that they are supporting NFC payments.

Apple itself tells you to look for the symbol.... Which is there on the screen of the terminal.
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That's the best way to go about it to reach both official or non-official retailers who may support Apple Pay. Short of becoming an official supporter, Apple can't really control the user experience at a particular retailer.

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dyt1983 said:
I'm over the having to sign the receipt, even though I thought they weren't supposed to get my name.
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Traditionally, the signature serves two different purposes: 1) to confirm your identity and 2) as a promise to pay the card issuer. Confirming your identity is no longer necessary thanks to TouchID so it's been relegated to serving as a promise to pay the card issuer. The Apple support page does say a signature may still be required depending on the transaction amount and the retailer, precisely for this purpose. I'm sure you'd not like for them to have a copy of your fingerprint as a promise to pay the card issuer instead.
 
dyt1983 said:
And on top of that, every time I go to a Home Depot near (30 miles of) Cupertino, the checkout clerk is always saying "Wow I've never seen that, it's pretty cool". Although in the early days the self-checkout monitor told me it's been working fine. I'm working on earthquake retrofit on my GF's 1930s-built home, and last week I went to three HDs in one hour to get enough of a certain bolt. Every single one had a "I've never seen that" comment. I kind of expected it at the final one that was a "Home Depot Pro". But the others not so much.

It probably doesn't mean much because they're checkout clerks.

I'm over the having to sign the receipt, even though I thought they weren't supposed to get my name.
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Most places you just sign the screen itself, and just sign it with a little jibbanese
 
JayLenochiniMac said:
Traditionally, the signature serves two different purposes: 1) to confirm your identity and 2) as a promise to pay the card issuer. Confirming your identity is no longer necessary thanks to TouchID so it's been relegated to serving as a promise to pay the card issuer.
Click to expand...

The POS terminal has no idea if you used TouchID or a device PIN.

The Apple support page does say a signature may still be required depending on the transaction amount and the retailer, precisely for this purpose.
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That's because above a certain amount it's going to ask for a signature no matter what NFC payment method you're using, from anyone.

TouchID has nothing to do with it.
 
kdarling said:
The POS terminal has no idea if you used TouchID or a device PIN.

That's because above a certain amount it's going to ask for a signature no matter what NFC payment method you're using, from anyone.

TouchID has nothing to do with it.
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While TouchID has nothing to do with it, they may still require a signature because they want something as a promise to pay the card issuer. The member was asking why a signature is still required if not for confirming the identity and the latter is the secondary reason.
 
So mine is still accepting NFC, I can't upload the screen pic I took today, but it even says MC PayPass on there.

Anyway, the cashier today said it had worked for someone earlier in the day (as Apple Pay), so who knows. It is for sure saying "card type must be swiped". It was strange though I had tried it twice, and once I thought it used my non default card which wouldn't have worked today.

Magic kingdoms tomorrow, too bad I spent all my money at Home Depot doing a pantry remodel! :p
 
TraceyS/FL said:
So mine is still accepting NFC, I can't upload the screen pic I took today, but it even says MC PayPass on there.

Anyway, the cashier today said it had worked for someone earlier in the day (as Apple Pay), so who knows. It is for sure saying "card type must be swiped". It was strange though I had tried it twice, and once I thought it used my non default card which wouldn't have worked today.
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Did you use a MasterCard? If so, people are reporting that it's working for Amex and Visa but not MC.
 
JayLenochiniMac said:
While TouchID has nothing to do with it, they may still require a signature because they want something as a promise to pay the card issuer. The member was asking why a signature is still required if not for confirming the identity and the latter is the secondary reason.
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I just finished doing a lot of research on this topic. What I found was quite interesting.

The signature has nothing to do with promising to pay. Read any credit card agreement. Just by using a card, we agree to pay. Nothing else is required. (That's why non-signature and online payments work.) It doesn't even have to be us. If we loan out our card or number (or phone) to someone else, we're still responsible no matter who signs the receipt (or not).

It turns out that the signature is apparently used as identity confirmation to shift liability to the cardholder. This is because of a section of the Commerce laws which in part states:

"(1) A cardholder shall be liable for the unauthorized use of a credit card only if —
...
(F) the card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it."

- U.S. Code 15 § 1643 - Liability of holder of credit card
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Section (F) is the key. By requesting a cardholder signature, the card issuer fulfills the legal requirement for providing a method for checking identity. It doesn't matter if the merchant actually checked it or not, as long as the method WAS provided.

Yes, it's a bit silly, especially since with NFC payments, there's nothing for the merchant to compare the signature against! I wonder how long it'll take before this comes up in a court case.
 
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kdarling said:
This is because of a section of the Commerce laws which in part states:

"(1) A cardholder shall be liable for the unauthorized use of a credit card only if —
...
(F) the card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it."

- U.S. Code 15 § 1643 - Liability of holder of credit card

Section (F) is the key. By requesting a cardholder signature, the card issuer fulfills the legal requirement for providing a method for checking identity. It doesn't matter if the merchant actually checked it or not, as long as the method WAS provided.
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I don't think you're using the correct code. This code is a limit on liability whereas the cardholder shall be liable for unauthorized charges (which doesn't make too much sense as we all know we're not liable for unauthorized charges, does it?) if a number of criteria are met, including if the liability is not in excess of $50.

What makes you think Section (F) can't be as simple as a photo on the back of the card, which some credit cards do have and can be used as a means identifying the person authorized to use it?
 
JayLenochiniMac said:
Did you use a MasterCard? If so, people are reporting that it's working for Amex and Visa but not MC.
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I'm starting to question your reading comprehension....

But yes, I used a MC, and that is what this was all about the last week.

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JayLenochiniMac said:
I don't think you're using the correct code. This code is a limit on liability whereas the cardholder shall be liable for unauthorized charges (which doesn't make too much sense as we all know we're not liable for unauthorized charges, does it?) if a number of criteria are met, including if the liability is not in excess of $50.

What makes you think Section (F) can't be as simple as a photo on the back of the card, which some credit cards do have and can be used as a means identifying the person authorized to use it?
Click to expand...

Kdarling isn't saying it can't be that, but that currently merchants are using the signature for it. There is going to have to be a shift with contactless payments or we will be stuck signing for eons.

Oddly, now that I think about it, I had to sign for a $12 purchase at Disney on Friday. I haven't had to do that for years. This location hadn't turned on NFC payments, so maybe it is operated by someone else. Huh.


Anyway, until there is an accepted change in how merchants are allowed to do the liability shift things will stay as they are with gradual changes I'm guessing.
 
TraceyS/FL said:
I'm starting to question your reading comprehension....

But yes, I used a MC, and that is what this was all about the last week.
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Then why are you questioning or confused that MC isn't working with Apple Pay at Home Depot, despite it taking paypass or listed on the MC Nearby app? Virtually all members are reporting that MC isn't working with Apple Pay even though it'll work with a physical MC paypass card. This is a MC problem as it isn't necessarily happening only at Home Depot.

If you think there's something wrong at your end because the cashier told you it worked for someone earlier in the day as Apple Pay, that's incorrect thinking because that person most likely used an Amex or Visa card, both of which have been shown to work with Apple Pay at HD. Nothing more to it.
 
JayLenochiniMac said:
Then why are you questioning or confused that MC isn't working with Apple Pay at Home Depot, despite it taking paypass or listed on the MC Nearby app? Virtually all members are reporting that MC isn't working with Apple Pay even though it'll work with a physical MC paypass card. This is a MC problem as it isn't necessarily happening only at Home Depot.

If you think there's something wrong at your end because the cashier told you it worked for someone earlier in the day as Apple Pay, that's incorrect thinking because that person most likely used an Amex or Visa card, both of which have been shown to work with Apple Pay at HD. Nothing more to it.
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Omg, I'm NOT, well I did, I came and asked after a few WEEKS away from the forum if anyone had had luck with MC after the "turn on date of late November" of NFC payments. because, I still had a MC issue at my store, and was just WONDERING if others were still also.

Wondering is not being confused.

In fact, I told the cashier it appears to be working for Visa and AMex, not MC in case SHE had someone ask.

I posted that she had someone had it work earlier into e day because a couple of people up thread, but after MY post from last week said it appeared their stores had turned it OFF after having had it working. Meaning, if I had used a different card mine should have gone thru, according to her. Unfortunately for me, ALL my supported cards are MC, my visas are at an unsupported bank and I no longer do business with AMEX over a difference of opinion.

It is possible to WONDER and QUESTION things without being confused or obstinate about something. I liken it to a casual conversation you have with someone.

As for "reporting it", I did take the time to do that (and discovered Apple has an extensive feedback form in place for Apple pay for ALL merchants) because I could not ASSume that someone else had taken the time to do so.

Maybe it will help, maybe it won't, but hopefully someone out there is working on making it so all NFC payment forms work at HD. At least I know I did something beyond ASSuming someone else was right?
 
Sadly, no change on this. Went to HD today, tried to pay with my MC through Apple Pay at the self checkout. Everything appeared to work, then when it came up and said "last payment right now" it had --.-- for the amount and the POS screen shifted to "wait for attendant."

She came over and was really rude about it, obviously had no idea what was going on. She started berating me not to push the gift card button if I wasn't using a gift card. (At no point did I push the gift card button. I pushed credit-debit and followed the on-screen instructions for tap-to-pay provided by their system.) I could see the attendant terminal the same message as others have reported, except it definitely did specifically say "tap disabled" and "must swipe."

This same store is one of the ones others in this thread have already mentioned as working with Amex & Visa but not MC, so I guess this is not new info, just confirmation of lack of progress. (And, like others, I have successfully used Apple Pay with that MC at other stores.)

Going to stop going to HD. Always sold out of half the stuff I need anyway, and I've already had my card replaced once because of them.
 
zimbu said:
Sadly, no change on this. Went to HD today, tried to pay with my MC through Apple Pay at the self checkout. Everything appeared to work, then when it came up and said "last payment right now" it had --.-- for the amount and the POS screen shifted to "wait for attendant."

She came over and was really rude about it, obviously had no idea what was going on. She started berating me not to push the gift card button if I wasn't using a gift card. (At no point did I push the gift card button. I pushed credit-debit and followed the on-screen instructions for tap-to-pay provided by their system.) I could see the attendant terminal the same message as others have reported, except it definitely did specifically say "tap disabled" and "must swipe."

This same store is one of the ones others in this thread have already mentioned as working with Amex & Visa but not MC, so I guess this is not new info, just confirmation of lack of progress. (And, like others, I have successfully used Apple Pay with that MC at other stores.)

Going to stop going to HD. Always sold out of half the stuff I need anyway, and I've already had my card replaced once because of them.
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Glad I was not behind you!
 
Cash is fast, no doubt. Especially at my local Korean grocer. It's like they're doing Tae Kwon Do with money - seeing what I'm about to pull out my wallet and they've already gotten the response of change already counted out. It's amazing, actually.
 
Tried ApplePay for the first time ever yesterday at HD. Worked great!

Self-checkout. Selected credit/debit. Held the phone over the reader and my fingerprint did the rest. Beep!
 
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