Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today

[jonhoy]

With AP in Canada now I only just learned about double tap from lock to access your Wallet cards/passes. While on this subject, is anyone else's Scene card (loyalty program for Cineplex) not appearing in the Wallet lock screen? All my other cards (RBC client/debit, RBC VISA, optimum, tims, starbucks, 7/11) show up.

I was also gonna ask about AP being only available for the features list of providers but I see that's been answered in the last few posts.

 

[asharahmed]

Just tried it today at McDonalds and Tim Hortons, worked great!

 

[Sefstah]

Actually, I said "aside from some hiccups, Apple Pay will work anywhere that allows NFC ("tap") payments". Any NFC terminal will accept Apple Pay but the software may need an update. And your claim that Apple Pay "only works at Apple Pay-approved stores" is utter crap--any merchant with NFC activated and up-to-date software (and we all the importance of that) will accept Apple Pay, Samsung Pay, Android Pay, etc. If you only visit certain stores that don't care to update their software, or buy/rent modern terminals, that's your business, but to claim

is pure, unadulterated cow poop. It will work other places, if you go to other places.

Apple Pay doesnt work at Walmart, Ralphs, CVS, Norms, or 7/11 just to name a few. Not BS, FACTS. And yes, Samsung Pay did work at the same retailers. I experienced it first hand.
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Any place that accepts tap accepts Apple Pay..

Nope. Walmart, Norms, CVS, Ralphs and 7/11 dont, just to name a few. Samsung Pay worked fine.

 

[Wondercow]

Apple Pay doesnt work at Walmart, Ralphs, CVS, Norms, or 7/11 just to name a few. Not BS, FACTS. And yes, Samsung Pay did work at the same retailers. I experienced it first hand.

That in no way supports your assertion that "my iPhone only works at Apple Pay approved stores"; that is utter BS.

As far as I'm aware Walmart doesn't accept NFC payments at all and CVS did, but shut it off--and it seems that 7/11 did the same thing. How do you blame Apple Pay for not working with a disabled or non-functioning service? Anywhere that accepts NFC payment will accept Apple Pay, though there may be the occasional hiccup, like requiring a software update.

 

[Sefstah]

That in no way supports your assertion that "my iPhone only works at Apple Pay approved stores"; that is utter BS.

As far as I'm aware Walmart doesn't accept NFC payments at all and CVS did, but shut it off. If that still holds true then I'm still correct: anywhere that accepts NFC payment will accept Apple Pay, though there may be the occasional hiccup, like requiring a software update.

Guess what? Apple Pay only works at Apple Pay approved retailers. The stores I just mentioned accept NFC. Yes, Walmart does. You dont even know. Even taxis accept NFC. Guess what? Apple Pay doesnt work there. Why is that so hard for you to understand? Again, the point is Samsung Pay works at way more locations than Apple Pay.

 

[Wondercow]

Guess what? Apple Pay only works at Apple Pay approved retailers. The stores I just mentioned accept NFC. Yes, Walmart does. You dont even know. Even taxis accept NFC. Guess what? Apple Pay doesnt work there. Why is that so hard for you to understand? Again, the point is Samsung Pay works at way more locations than Apple Pay.

Perhaps the taxis haven't updated their software yet. When did Walmart start accepting NFC payments? According to this story, dated May 11, 2016, Walmart still doesn't accept NFC payments. Are you sure you're not confusing the MST portion of Samsung Pay with NFC? Methinks you may be.

All I can say is that you seem to be confused about what NFC payments are. Apple Pay, Samsung pay and Android Pay are all the same thing: implementations of protocols & standards for tokenized NFC payments as set out by the body that controls said protocols and standards. As long as the software has been updated to see the new standard it'll work.

Oh, and if Apple Pay only works with Apple Pay partners how did people use it at CVS before they shut down NFC?

 

[Sefstah]

Perhaps the taxis haven't updated their software yet. When did Walmart start accepting NFC payments? According to this story, dated May 11, 2016, Walmart still doesn't accept NFC payments. Are you sure you're not confusing the MST portion of Samsung Pay with NFC? Methinks you may be.

All I can say is that you seem to be confused about what NFC payments are. Apple Pay, Samsung pay and Android Pay are all the same thing: implementations of protocols & standards for tokenized NFC payments as set out by the body that controls said protocols and standards. As long as the software has been updated to see the new standard it'll work.

Oh, and if Apple Pay only works with Apple Pay partners how did people use it at CVS before they shut down NFC?

I really dont like repeating myself but I want you to help you understand. All of the retailers I mentioned above, didnt work with Apple Pay. However, it worked with my friends S7 which uses Samsung Pay. Got it now? Good. And what happened to it just works? I dont need excuses(NFC software udpate) when other phones are working just fine. And btw, what stores that aren't approved for Apple Pay have you used it at?

 

[tmiw]

I really dont like repeating myself but I want you to help you understand. All of the retailers I mentioned above, didnt work with Apple Pay. However, it worked with my friends S7 which uses Samsung Pay. Got it now? Good. And what happened to it just works? I dont need excuses(NFC software udpate) when other phones are working just fine. And btw, what stores that aren't approved for Apple Pay have you used it at?

I've used Apple Pay at some smaller takeouts before and they're definitely not listed on Apple's website. The vending machines at work take it too but I try not to use those due to the 10c they add for card payments.

 

[drewcosten]

Apple Pay doesnt work at Walmart, Ralphs, CVS, Norms, or 7/11 just to name a few. Not BS, FACTS. And yes, Samsung Pay did work at the same retailers. I experienced it first hand.
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Nope. Walmart, Norms, CVS, Ralphs and 7/11 dont, just to name a few. Samsung Pay worked fine.

In Canada or in the US? And, if in Canada, with Amex or with VISA or MasterCard? If it's in Canada and it's not Amex, and the store takes NFC payments, then I'd be surprised if it doesn't work, although I admittedly haven't tried it at any of the stores you listed yet.

As has been mentioned before, Apple Pay in Canada is slightly different from Apple Pay in the US. As far as I know, as long as a store takes NFC payments in Canada (and one is using MasterCard or VISA rather than Amex), then Apple Pay should work fine up here at that store.

 

[btkadams]

I tried using this in the McDonalds drive thru with my watch yesterday but it wouldn't work. I see now on Apple's website that their video shows a person placing their watch screen against the tap terminal. Is that how you need to do it? I was sort of tapping the side of the watch against it and it wouldn't activate.

(And yes, I had double clicked the side button and the screen had my visa showing ready)

 

[drewcosten]

I tried using this in the McDonalds drive thru with my watch yesterday but it wouldn't work. I see now on Apple's website that their video shows a person placing their watch screen against the tap terminal. Is that how you need to do it? I was sort of tapping the side of the watch against it and it wouldn't activate.

(And yes, I had double clicked the side button and the screen had my visa showing ready)

If you don't get the Apple Watch in just the right spot it doesn't work very well. I find the iPhone seems to be able to make a connection a lot better than the Watch, particularly at McDonald's, so I often use it instead.

 

[Wondercow]

I really dont like repeating myself but I want you to help you understand. All of the retailers I mentioned above, didnt work with Apple Pay. However, it worked with my friends S7 which uses Samsung Pay. Got it now? Good. And what happened to it just works? I dont need excuses(NFC software udpate) when other phones are working just fine. And btw, what stores that aren't approved for Apple Pay have you used it at?

Just as I suspected: I, and others, have been very clear that were talking about NFC payments. You are talking about "payments", regardless of the technology used.

"If Apple Pay doesn't work on this old-style mechanical imprint machine it must be Apple Pay's fault and mean that it only works at Apple's approved retailers!"

 

[AsherN]

I really dont like repeating myself but I want you to help you understand. All of the retailers I mentioned above, didnt work with Apple Pay. However, it worked with my friends S7 which uses Samsung Pay. Got it now? Good. And what happened to it just works? I dont need excuses(NFC software udpate) when other phones are working just fine. And btw, what stores that aren't approved for Apple Pay have you used it at?

A friend from the US has been using everywhere in Canada ever since it was available to his US credit cards, much before it was "available" in Canada.
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With AP in Canada now I only just learned about double tap from lock to access your Wallet cards/passes. While on this subject, is anyone else's Scene card (loyalty program for Cineplex) not appearing in the Wallet lock screen? All my other cards (RBC client/debit, RBC VISA, optimum, tims, starbucks, 7/11) show up.

I was also gonna ask about AP being only available for the features list of providers but I see that's been answered in the last few posts.

My Scene card does not show up either.

 

[chrisforpm]

Canada and the US are different when it comes to Pay. We have one network, Interac which processes all of the electronic payments for all of the big banks (except for Amex that is a different beast altogether). I can't stress this enough, if you live in Canada and you have Pay and are using debit, visa or MasterCard on a tap terminal it will work. If you use Amex the terminal must be setup to accept Amex tap. It's a separate processing system.

The only reason that Pay wouldn't work is because the phone is not making a connection to the terminal.

 

[rjohnstone]

Just as I suspected: I, and others, have been very clear that were talking about NFC payments. You are talking about "payments", regardless of the technology used.

"If Apple Pay doesn't work on this old-style mechanical imprint machine it must be Apple Pay's fault and mean that it only works at Apple's approved retailers!"

He is talking about NFC payments.
I think it is you who are being obtuse. Many places accept NFC payments, but DO NOT accept Apple Pay.
They have been mentioned numerous times in this thread.

 

[Wondercow]

He is talking about NFC payments.
I think it is you who are being obtuse. Many places accept NFC payments, but DO NOT accept Apple Pay.
They have been mentioned numerous times in this thread.

I don't think so, since he's mentioned places that don't accept NFC at all. He sees Samsung's MST as equal to NFC, hence his confusion as to why Samsung Pay works at places that don't accept NFC. He's also convinced that Apple Pay is exclusive to Apple's listed partners, which is complete BS.

 

[rjohnstone]

I don't think so, since he's mentioned places that don't accept NFC at all. He sees Samsung's MST as equal to NFC, hence his confusion as to why Samsung Pay works at places that don't accept NFC. He's also convinced that Apple Pay is exclusive to Apple's listed partners, which is complete BS.

While I agree Apple Pay is accepted beyond what is on the list, even I personally have been to places that accept NFC payments, but do not accept Apple Pay.
Home Depot being one of them. Android Pay works, but Apple Pay does not. Regardless of card type associated with the Apple Pay account.
Samsung Pay is both NFC and MST. It defaults to NFC unless no NFC enabled terminal is present, then is switches to MST.

 

[Wondercow]

While I agree Apple Pay is accepted beyond what is on the list, even I personally have been to places that accept NFC payments, but do not accept Apple Pay.
Home Depot being one of them. Android Pay works, but Apple Pay does not. Regardless of card type associated with the Apple Pay account.
Samsung Pay is both NFC and MST. It defaults to NFC unless no NFC enabled terminal is present, then is switches to MST.

I never said that Apple Pay will always work, 100% guaranteed. I have said many times that there are hiccups in the system, but the fact remains that Apple Pay isn't anything different or special than the others. It could be Apple's NFC chip, it could be phone cases, it could be the terminal, but it is standard NFC.

In fact, I believe part of the problem is that your country is having some growing pain with these "new" technologies. From what I recall from the initial launch of Apple Pay in the U.S. there were reports of Apple Pay seemingly working better in Canada than in the States. Anecdotally, I have had mixed success with my NFC MasterCard while travelling the U.S.; sometimes it works, sometimes it doesn't--even with the same company, but a different location. The worst was when I tapped and it went through, but wasn't confirmed at the retailer, so I had paid and the charge was on my account, but the local terminal said it didn't go through--that was an absolute mess! (I've also had a clerk swipe it on a non-chip terminal, and a message came up saying that the chip had to be inserted )

I believe Sefstah is seeing the MST system work on a Samsung phone and assuming that it's using NFC, thus leading him to believe that Apple Pay was faulty, when, in fact, the retailer, e.g. Walmart, didn't accept NFC at all. And that's a great thing for Samsung--the fact that it's so seamless is a wonderful feature.

 

[temna]

Apple Pay doesnt work at Walmart, Ralphs, CVS, Norms, or 7/11 just to name a few. Not BS, FACTS. And yes, Samsung Pay did work at the same retailers. I experienced it first hand.
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Nope. Walmart, Norms, CVS, Ralphs and 7/11 dont, just to name a few. Samsung Pay worked fine.

If they accept tap, Apple Pay works.

 

[tmiw]

I'm starting to think that maybe Apple should have disabled the NFC radio and only allowed in-app use of Apple Pay for US iPhones until 2020 or so. By the time the entire rest of the developed world gets Apple Pay, the merchant support would hopefully be there for Americans to have a much better experience on the NFC side.

Then again, people will end up posting angry threads about that decision too. Apple can't win no matter what they do.

 

[btkadams]

So I went to IKEA and Co-op today and tried to use the watch. It vibrates and says "Done" or whatever when I put it against the terminal, but then the terminal says Transaction Declined. Any ideas on why that would be? I've used my phone at a couple places today (later on) and it worked fine. It was the same visa that I was using on the phone and watch.

 

[drewcosten]

So I went to IKEA and Co-op today and tried to use the watch. It vibrates and says "Done" or whatever when I put it against the terminal, but then the terminal says Transaction Declined. Any ideas on why that would be? I've used my phone at a couple places today (later on) and it worked fine. It was the same visa that I was using on the phone and watch.

Did you try your iPhone afterwards? I had the same problem at Pizza Nova yesterday. My Watch payment (VISA) was declined but it worked right after from my iPhone. I've had this problem frequently over the last half year (with Amex).

 

[btkadams]

Did you try your iPhone afterwards? I had the same problem at Pizza Nova yesterday. My Watch payment (VISA) was declined but it worked right after from my iPhone. I've had this problem frequently over the last half year (with Amex).

I'm still new to this so I just assumed it wouldn't work on the phone at that location either, and instead used the physical card. I'll try that next time though!

So I take it you've had this issue but have still been able to get the watch to work at other times? I guess I'll just have to keep trying.

 

[drewcosten]

I'm still new to this so I just assumed it wouldn't work on the phone at that location either, and instead used the physical card. I'll try that next time though!

So I take it you've had this issue but have still been able to get the watch to work at other times? I guess I'll just have to keep trying.

Yeah. I find Apple Pay on the Apple Watch to be pretty flaky, but it does work sometimes. I've never had a problem with it on my iPhone though.

 

[chrisforpm]

I find with the Apple Watch that if you don't place it just right on the reader it doesn't make a connection. I generally use my watch when I'm going through the drive through and everything else I use the iPhone.