Apple Pay Coming Soon to Crate & Barrel, Chick-fil-A and Au Bon Pain

[Robert.Walter]

I still think you should be able to use Apple Pay without having a password set up on your iPhone. I prefer not to use a passcode for unlock. I don't see why it is set up this way, an unwanted user would still need your fingerprint to make a purchase, or your passcode to make any changes in settings.

Password? Have you even used Apple Pay?

Passcode to unlock? This is what the TouchID button is for. Do you even iPhone?
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Another thought I have always had... If Apple would just bite the bullet and keep their hand out of the cookie jar on things like Apple Pay, I feel like they would take off much more quickly and be more widespread. I think a lot of retailers chose not to go with Apple Pay because of Apple's cut of every transaction scared them off. I understand why they do it from a business perspective, but I feel like it could've been a bigger, more revolutionary thing.

The trivial fee paid to Apple covers the costs of administration and more importantly, raises a small barrier to entry ensuring card issuers are committed to supporting the program.

Or as Jim Rockford once said, "few folks appreciate something given to them for free."

 

[stanman64]

Password? Have you even used Apple Pay?

Passcode to unlock? This is what the TouchID button is for. Do you even iPhone?

If you do not have a passcode set up for unlocking your device, you cannot set up Apple Pay. They go hand in hand.

Haha and yes I iPhone... I even have a 6S so Touch ID is super quick.. I just prefer the speed and ease of swiping from a specific notification to take you right into that app without touching the home button. And I find it extremely annoying whenever TouchID won't work because of a smeary/grimy fingerprint.

 

[doelcm82]

How does Samsung Pay work with chip cards at places where you no longer swipe but insert the card at the bottom?

It will work via NFC, but if the merchant is blocking NFC and the terminal is programmed to demand that chipped cards be inserted (not swiped), you may still find yourself digging out your physical card.

 

[stanman64]

Password? Have you even used Apple Pay?

Passcode to unlock? This is what the TouchID button is for. Do you even iPhone?
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The trivial fee paid to Apple covers the costs of administration and more importantly, raises a small barrier to entry ensuring card issuers are committed to supporting the program.

Or as Jim Rockford once said, "few folks appreciate something given to them for free."

Ah.. I was unaware just how small their cut was. I knew it was tiny, but from what you said, sounds like they're not making a profit from it.

 

[Robert.Walter]

That's utter nonsense. It's accepted anywhere that has an NFC reader. If there is no NFC reader on a unit, it won't magically take Samsung Pay. Same for Apple Pay, it works anywhere with an NFC reader even if the store doesn't "officially" accept it. At my work we have a Square unit that accepts it and a sticker on our door, I highly doubt we're included in that 2 million figure. Same for my barbershop that now accepts Apple Pay. The 2 million figure is only covering Apple's major partners.

If you tried to use Samsung pay at our store before we upgraded to an NFC unit, you would have looked like a moron because it wouldn't have worked. No such thing as magic, and the latest Samsung Pay commercial at Katz's deli is very misleading.

Actually you are wron on two points:
- Samsung pay uses the loop pay patent so it works on the old swipe style POS devices, although there are doubts it is any safer against skimming than a mag stripe card;
- I don't think someone trying to use such tech looks like a moron for trying; rather the retailer looks likes moron for using old tech.

 

[iLoveDeveloping]

WORLDWIDE???? Great click bate macrumours you really know how to manipulate people to drive sales, you must really be great human beings.. Congratulations on your humanitarianism!

 

[RedOrchestra]

rather the retailer looks likes moron for using old tech.

The mom and pop corner stores thank you for that comment.

 

[nightcap965]

And SamsungPay is accepted everywhere you can swipe a credit card (i.e. EVERYWHERE)

Sorry, but Samsung won this round Apple, next -->

No, it is not. The places I shop that do not accept Apple Pay also do not accept Samsung Pay.

 

[doelcm82]

If you do not have a passcode set up for unlocking your device, you cannot set up Apple Pay. They go hand in hand.

Haha and yes I iPhone... I even have a 6S so Touch ID is super quick.. I just prefer the speed and ease of swiping from a specific notification to take you right into that app without touching the home button. And I find it extremely annoying whenever TouchID won't work because of a smeary/grimy fingerprint.

Storing your credit cards on an unlocked phone is a security risk Apple wasn't prepared to take. Or the banks, either.

 

[rdlink]

If you do not have a passcode set up for unlocking your device, you cannot set up Apple Pay. They go hand in hand.

Haha and yes I iPhone... I even have a 6S so Touch ID is super quick.. I just prefer the speed and ease of swiping from a specific notification to take you right into that app without touching the home button. And I find it extremely annoying whenever TouchID won't work because of a smeary/grimy fingerprint.

If you use a smartphone for doing anything more than playing Angry Birds and you don't have a passcode on it you're taking a really asinine risk. Just saying.

 

[American Hero]

The mom and pop corner stores thank you for that comment.

Considering you only have to spend $49 for a square card reader, it's not exactly an investment that'll break a small business.

Just another case of American Business owners/share holders/ignorant customers doing this when it comes to having to change from mag-stripe to EMV or update their terminals from ancient technology:

It's funny how the banks are all set up with their chipped cards and with phone payment services, yet, merchants have that "deer in the headlights" look.

 

[RedOrchestra]

merchants have that "deer in the headlights" look.

Aren't you the clever one.

Next time you're in Berlin, just bring a pocket full of cash, otherwise, you'll be that "deer in the headlights."

 

[Chupa Chupa]

Apple Pay is a niche market that's why banks and merchants don't see any rush to get involved.

Heck, in Berlin, accepting credit cards period, is still a niche market.

Most of the big U.S. banks do support it. It's the larger merchants that do not have any NFC support either because of the cost of equipment, not a priority, or dabbling in their own payment methods. I think larger merchants see NFC as an unnecessary expense because only a tiny sliver of customers wouldn't shop at a store just because they couldn't use NFC.

 

[American Hero]

Aren't you the clever one.

Next time you're in Berlin, just bring a pocket full of cash, otherwise, you'll be that "deer in the headlights."

Must be you aren't from America.

Businesses around here do everything to pinch pennies, and that includes looking like morons and using old, outdated technology, underpaying employees, and letting their stores rot with age.

Our 1st world buddies (like us) have all migrated to chip & pin... We're left in the dark.

 

[Chupa Chupa]

I still think you should be able to use Apple Pay without having a password set up on your iPhone. I prefer not to use a passcode for unlock. I don't see why it is set up this way, an unwanted user would still need your fingerprint to make a purchase, or your passcode to make any changes in settings.

Right but w/o a p/w on your phone if you lost your phone then the person who found the phone could add his/her fingerprint to the profile which would then give them unfettered access to your credit cards.

 

[peterh988]

Apple Pay is working wonderfully for me here in the UK. Maybe that's because the whole contactless infrastructure was already in place and in use, but so far, if a place accepts contactless, all I have to do is present my phone and wait for the 'ping'. Never had a problem or rejection.

I just wish more places would get rid of the £30 limit.

 

[RedOrchestra]

chip & pin

We've gone past that ... we've been " tap and go " for like 3 years ... which is why I'm in no rush for Apple Pay.

 

[American Hero]

We've gone past that ... we've been " tap and go " for like 3 years ... which is why I'm in no rush for Apple Pay.

Then I have no idea what point you're making.

I have a couple of the few cards in the U.S that have contactless support, and I use them at the few merchants that do accept contactless NFC transactions.

 

[doelcm82]

- Samsung pay uses the loop pay patent so it works on the old swipe style POS devices, although there are doubts it is any safer against skimming than a mag stripe card;

i think Samsung Pay is transmitting a tokenized number, so the skimmer wouldn't get anything useful.

 

[deadandalive]

I still think you should be able to use Apple Pay without having a password set up on your iPhone. I prefer not to use a passcode for unlock. I don't see why it is set up this way, an unwanted user would still need your fingerprint to make a purchase, or your passcode to make any changes in settings.

If your phone gets stolen and it is not locked with a passcode, they can just go into settings and set up their own fingerprint to use with Apple Pay

 

[OneZweiThree]

cmon Germany, i know you can do it!!!!

Das Problem in Deutschland ist, dass hier die wenigsten Leute mit Kreditkarte zahlen. Außerdem akzeptieren viele Geschäfte keine Kreditkarten, bzw. erst ab einem hohen Einkaufswert.
Für Deutschland müsste Apple Pay mit den normalen EC-Karten funktionieren.

 

[Chupa Chupa]

Those are some strange names for shops.

In the U.S. they make perfect sense. Crate and Barrel sells home goods. Chick-Fil-A = Chicken Fillet. They sell chicken sandwiches. Au Bon Pain = French for "good bread". They started out as a pseudo French cafe but is now an ordinary bread, salad, and sandwich shop. Nothing really French about the menu anymore.

 

[doelcm82]

We've gone past that ... we've been " tap and go " for like 3 years ... which is why I'm in no rush for Apple Pay.

If it's tap and go, then anyone who steals your card can tap and go all day long. Also, what happens if you tap your wallet and your wallet contains multiple cards with the feature? Can someone brush against you in a crowd and take $20 from your account?

 

[neil_cm17]

cmon Germany, i know you can do it!!!!

Last time I was in Germany a lot of places didn't except a Visa/Mastercard credit or debit card. This was however a couple of years ago, is contactless taking off in Germany?

 

[RedOrchestra]

If it's tap and go, then anyone who steals your card can tap and go all day long. Also, what happens if you tap your wallet and your wallet contains multiple cards with the feature? Can someone brush against you in a crowd and take $20 from your account?

First of all, only careless people have their cards stolen and secondly, the "brush against" is an old wives tale.