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

[1Zach1]

I don't disagree with your statement as this is from business perspective. I'm talking about consumer's perspective. It's fine and dandy to make more, but they should evaluate their performance by looking at consumer's poll. I'm talking about whether the consumers are satisfied with their progress. I am sure people are satisfied with iPhone, but what about computer products? Are majority happy with solder parts of computers? Are they happy with degrading hard drives in iMac ? Maybe like 5400 type?

I don't believe that the majority of consumers have any idea if the parts of their computers are soldered, or are having major issues with hard drives.

I believe that the majority of consumers want something that turns on, lets them play their computer games/browse the internet/listen to music/watch movies.

Business users are the next in line that need more advanced programs for their specific uses.

Techies (that would be most of us on this forum) want the most advanced piece of tech we can get at all costs.

If Apple made an iPhone 7, 7+ and iPhone Pro that was a 5.5" phone with 95% screen, wireless at a distance, 5GB RAM, 256GB drive, OLED screen, advanced battery tech and an advanced iOS that cost $2K, we would be the ones buying that, not "most consumers". Most consumers would be buying the 7/7+ that added $35-45 to their monthly bill, let them get to Facebook, whatever the hot game of the day is and text.

 

[sw1tcher]

Despite the upbeat announcement, Apple still has work to convince U.S. customers to use Apple Pay at retail stores. According to a survey by consumer researcher Pymnts and InfoScout, 16.6 percent of people who own newer iPhones tried Apple Pay in October, an increase from 9 percent in November 2014.

Put out a 4" iPhone that supports Apple Pay ASAP so I and many others can upgrade. Many people still haven't upgraded because we like the smaller phone size. 60% of people are still using iPhone's prior to iPhone 6. This would help with Apple Pay usage.


Kulbinder Garcha, Credit Suisse: You've mentioned in recent calls, helpfully, the percent of the base prior to when the 6 that were now on the larger-screen phones, can you give us an update on what that number is, I think last time it was in the low 30 percent?

Tim Cook: The number of people who had an iPhone prior to the iPhone 6 and 6 Plus announcements that have not yet upgraded to a 6, 6 Plus, 6s, or 6s Plus is now 60 percent. So another way to think of that is, 40 percent have, 60 percent have not.

 

[RedOrchestra]

In many ways Germany is still in the stone ages in terms of banking and mobile payment innovation.

Only in the north are they lagging, completely different experience in the south, where CC use is prolific with the exception of AMEX cards ... European merchants despise that company. And for the most part, if you have an EC Karte, you're in like Flynn.

 

[peteo]

Actually, it's not. SamsungPay can mimic can send out a magnetic pulse (the same one that your credit card emits when you swipe it) so it can literally be used anywhere a credit card can swipe regardless if they support NFC or not. It's exactly what Apple should've done as a backup with Apple Pay, but didn't.

Na, if you read the reviews of the magnetic pulse version of SamsungPay (not the RFID) it fails very often. Even loop users complained about this. At least when you see the apple pay logo or SamungPay Logo (for RFID) you know it will work.

 

[PaulRustad007]

I personally enjoy Apple Pay. Panera and Walgreens are the only place I can use it. I use it via my watch. It is fast, simple. But as always, it comes to the money to process that transaction. Even though a few pennies here and there, they add up to billions and no one wants to share.....that is why it is harder for acceptance.

 

[macfacts]

Apple Pay will still work on machines that require you to insert your card, i.e: Walgreens and Rite Aid. Check your facts please.

ATMs and Gas Pumps require you to insert a card. Are you saying Apple pay works on them?

 

[Corrode]

I just spent the last week in Hawaii and payments are so different than here in Canada. I'm not used to anyone ever touching my credit card as we have a policy in Canada where your credit card never leaves your hand and you either have to use a PIN or tap to pay.

I saw very few NFC pay terminals in the states (Hawaii and San Francisco Airport) and was only able to tap-to-pay once on my trip. Makes me realize the uphill battle the US is facing in terms of modernizing payments and I'm not surprised to hear that CC fraud is quite prevalent in the country.

 

[American Hero]

ATMs and Gas Pumps require you to insert a card. Are you saying Apple pay works on them?

What gas pumps and ATM's in the U.S have EMV?

Also, yes, if you didn't see the article on here about BoA and Wells Fargo implementing NFC on their ATM's. I believe Chase wants to do this too.

 

[0970373]

I just spent the last week in Hawaii and payments are so different than here in Canada. I'm not used to anyone ever touching my credit card as we have a policy in Canada where your credit card never leaves your hand and you either have to use a PIN or tap to pay.

I saw very few NFC pay terminals in the states (Hawaii and San Francisco Airport) and was only able to tap-to-pay once on my trip. Makes me realize the uphill battle the US is facing in terms of modernizing payments and I'm not surprised to hear that CC fraud is quite prevalent in the country.

Agreed. The US is very behind on this. And of course, even as they try to move to EMV chip cards, it's chip & sig, which doesn't motivate any vendors to update their systems own a way that is really helpful. You still need to give your card to someone at a restaurant. When I travel to Canada & Europe, I always have a couple days of adjustment where I'm trying to hand my credit card to people and they look at me crazy. haha.

 

[lombax54]

This is such a useless statistic. Apple Pay works anywhere where NFC cards work. A more useful, relevant statistic would be number of banks that Apple is supporting.

https://support.apple.com/en-us/HT204916

 

[Macwick]

In addition to accepting Apple Pay, Chick-Fil-A has announced that they will soon start accepting gay people.

 

[Terrinb]

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.

That doesn't make sense. Apple's very small cut comes from the banks not the retailers, which are quickly adopting Apple Pay. In other words, it doesn't cost retailers anything additional on top of normal credit card fees.

Retailers are slow to adopt it because some don't want to upgrade equipment and others don't want to support the card issuers like visa whom they have disliked for a long time.

 

[tmiw]

I wonder how Chick-fil-A is going to handle Apple Pay at the drive-through. If they actually will. (Last time I was there their drive-through POS station seemed to have the same Verifone MX915 as the POSes inside. Seems like that would be a pain to hand out the window.)

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

The data transmitted via MST makes the terminal think that you swiped a card without a chip, so whether a terminal supports EMV or not doesn't matter.

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.

A lot of retailers aren't biting because NFC really screws with their data gathering. Even supporting loyalty cards in Wallet would be a downgrade for some.

"In answering the question "Does RFID make it easier to steal?" the article states, "Jay Foley, executive director of the Identity Theft Resource Center in San Diego, is quick to admit that thieves could get your card info remotely through a scanner, but adds that they probably wouldn't be able to use it. Unlike magnetic stripe cards, RFID credit cards encrypt a cardholder's information. To access a consumer's account, thieves not only have to scan the card, they also have to break the card issuer's encryption."

Yep. Too bad contactless cards have gotten such a bad reputation in this country that Apple/Android Pay will likely be the only way most people will be able to use tap payments.

 

[npmacuser5]

Not so much consumers not wanting to use, but retailers and banks implementing the technology. In my area almost half the retailers do not have the chip enabled let alone Apple Pay. The chicken and egg at its finest.

 

[frozen220]

Theres thousands upon thousands of retailers across the world. Is there going to be a MacRumors article announcing every single one who adopts Apple Pay? At least make it Page 2. This is getting old.

 

[tmiw]

Theres thousands upon thousands of retailers across the world. Is there going to be a MacRumors article announcing every single one who adopts Apple Pay? At least make it Page 2. This is getting old.

Just major ones in the US. 1990s payment technology is brand new to us, so this sort of thing is necessary so that people know it can be used in more and more places.

 

[MasterRyu2011]

Is it more secure than swiping a credit card? If not then I might as well just swipe my card.

Except that the general public doesn't care about security, it's more about convenience. To them they may go "oh I can use a Samsung here, but not an iPhone?" You don't hear people say "oh wow, so that is sending a token instead of my cc number? Amazing!"

Samsung wins on convenience.

Either way, in the end though Apple still wins, because nobody has heard of Samsung Pay.

 

[Thunderhawks]

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

Nein, wir lieben Bargeld und sind unmodern!

 

[poppe]

The Chick-Fil-A at UCLA has had ApplePay since sometime in the fall of 2015. I know this article is about it being world wide.

 

[MasterRyu2011]

That doesn't make sense. Apple's very small cut comes from the banks not the retailers, which are quickly adopting Apple Pay. In other words, it doesn't cost retailers anything additional on top of normal credit card fees.

Retailers are slow to adopt it because some don't want to upgrade equipment and others don't want to support the card issuers like visa whom they have disliked for a long time.

Not saying it's happening, but can't the banks simply pass on the fees to the merchant by upping their percentages??

 

[jayducharme]

Sorry, but Samsung won this round Apple

I tend to agree with you on this. It was brilliant to have the phone mimic the pulse of a magnetic card reader. That means transactions can happen even at Walmart or Target, which have so far refused to enable Apple Pay, and at any store that hasn't implemented NFC. If Apple had gone that route, Apple Pay might have been much more widely used by this point.

 

[pika2000]

The problem with Apple Pay is the banks (unless Apple themselves become a bank).

In Asia, things are worse as a store can have 3+ card machines, one for each major banks. If banks and stores don't even want to consolidate their payment terminals for consumers, why would they be interested in adding another party (Apple) to bite a piece of the pie? Good luck with that Apple.

 

[Jason83]

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

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

Difference is I've never had an issue getting Apple Pay to work. Now if I start reaching over and rubbing my phone on the side of the cashier's monitor where she'd normally swipe my card, all while saying "trust me I know this'll work I saw it on YouTube" then I'll look foolish.
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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.

That's not even the case. Some retailers (Walmart in particular) are hellbent against anyone who takes fees, namely Visa and the like. Apple's fee is so infinitesimal to not matter even at that scale. The bigger issue for the retailers is Apple's (rightful) concern for consumer privacy. Target and their ilk want our data. That's where the real money is. Apple's not in the business of putting their customers up for sale.

 

[American Hero]

The problem with Apple Pay is the banks (unless Apple themselves become a bank).

Not bank per-say, but maybe their own network where they can make their own contactless credit cards with touch ID pads on them and also available with payments from a cell phone.

Simply put, if Apple only charged the merchants .95% of each transaction, they'd be just as widely accepted as Visa and MasterCard, if not even more at places that don't accept any credit cards at all.

But then again, with only a .95% fee to the merchant, Apple wouldn't exactly be able to provide stellar rewards programs unless they had a card with an annual fee attached to it.

 

[mrcobra92]

Is Samsung Loop Pay tokenized? If not the user is the loser if they pay on a comprimised POS device just as if they swiped a mag stripe card.

Yes samsung pay is tokenized.