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Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today
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Sefstah, you still haven't mentioned whether you mean in Canada or in the US (although based on the stores you listed, I'm assuming the US). As has been posted a number of times now, if they accept tap, Apple Pay works is true, but maybe not in the US (and not necessarily if you're using Amex).
Bottom line, if you're in Canada (and not using Amex) and they accept tap, Apple Pay works.
The confusion is partly because people are not being detailed enough.
When people say, "accept tap", what they specifically mean is a merchant terminal that accepts NFC payments using standard protocols designed by the credit card entities (AMEX, Visa, MC, Discover). NFC is a very specific type of short range wireless communication.
The confusion is also partly because of people using the word "Apple". The contactless payment part of Apple Pay is not Apple specific. They did not create it. It's simply Apple's hosting of the NFC payment protocols implemented by the credit card entities. So anywhere that standard NFC payments are taken, Apple Pay ... aka standard AMEX/Visa/MC/Discover NFC payment code installed on an Apple device... should work.
The real part of the confusion is because your friend's Samsung not only implements the same NFC payment protocol, but it ALSO contains proprietary circuitry to emulate an old magnetic swipe card. Therefore, it can do a touchless payment even on many old swipe terminals that have no NFC radio capability.
In short:
- Apple Pay - works on NFC enabled terminals
- Samsung Pay - works on NFC enabled terminals AND non-NFC enabled terminals
It's as if people were saying "my FM (NFC) radio works anywhere there's an FM radio station". But your friend's radio is AM-FM (MST & NFC) and thus works in more places, even where FM (NFC) is unavailable. Does that help?
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That's how it's supposed to work in the US too. It's just that contactless infrastructure is so poor and staff so poorly trained that he might very well only be able to use it at the official retailers. I've been able to use it more often than that but that's often the result of me occasionally taking the time to walk smaller businesses through the transaction or on several occasions, simply handing over a card and then tapping with my phone/watch before they can swipe/insert it. A lot of people aren't going to go through that hassle.
I hate RBC. Did not mind having to install the app. I was out of town when I added my banking card to the phone and watch. a day later, I can't access my online banking anymore. When I got back, there was a message on my VM from RBC security. Of course, in true RBC fashion, both the caller ID and the call back number are different. And neither is on the website. S I'm not calling that. Called the regular number, to be transferred to Security. They said they disabled access until I could confirm that the addition of 2 iDevices was legit. WTF??? I was already on the phone with them originally, before adding the devices.
Methinks you are desperate for things to complain about.
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Methinks you are desperate for things to complain about.
Im in the US and Apple Pay barely works anywhere. Pay to tap is pretty much accepted everywhere now, but it still doesn't work. Apple Pay will be at best when it can work EVERYWHERE my ATM card is accepted. By that standard it is failing miserably. Samsung Pay is in the lead by far.
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Awesome reply! Thank you. Im just waiting for the day I don't have to depend on or carry my ATM card anymore.
In all fairness the topic is Pay coming to Canada's banks starting with RBC and CIBC today. Sorry it's not widely accept in the US, but in Canada it is available at about 85% of terminals. It's the difference between a highly decentralized system with thousands of banks and a centralized system with 5 big banks using one payment system.
Correct. AAMOF, Canada's merchants post a note when they do NOT accept NFC payment. It's that ubiquitous in Canada.
I love how you hate RBC for using a common security practice. Pretty much everyone out there from American Express to Visa to RBC will flag an account and lock it if they see something way out of the norm. Like if you make a purchase in Toronto, and five minutes later there is a physical swipe in Australia. You could have just called them to straighten things out, but you'd rather play the martyr and bitch and complain on an online forum.
Adding a card to a service they offer is not "out of the norm". Oh, and BTW, I did call their "Apple Pay" support line first, because I had to re-enable my card for online transaction. Then they suspended it. And in typical RBC fashion, their security department called my home number and left a message. Where the phone number to call back did not match the call display number, and neither of those is published on their website. And they expect me to call them back at those numbers???
for Royal Bank users do you have to stay signed in to that RBC Wallet app to use apple pay or was that just to confirm the card?
Well, you can't stay signed in because the app will time out. I heard that it is only for the verification. That the app can be removed once the card is in Apple Pay.
And we are still waiting for TD, BMO and the others.
Beyond me why they didn't launch with CIBC and RBC. (Just because of in app purchase, I don't think they were ready for just the phone nfc purchase).
Beyond me why they didn't launch with CIBC and RBC. (Just because of in app purchase, I don't think they were ready for just the phone nfc purchase).
Note sure if it means anything, but the latest update to the BMO iOS app mentions the upcoming Pay in its What's New information.
And we are still waiting for TD along with CIBC MasterCard Petro Points fix. Seems to me the Canadian Banks didn't want to support Apple Pay but was forced under pressure from us Canadians.
About bloody time eh? No Costco Capital One support though...
I can sort of see the rationale. At least when you're at Costco, you need the card out as it's also your membership card. I guess it depends on how much you use the card when not at Costco.
[doublepost=1464281608][/doublepost]What would make Apple PAY even more useful would be if the terminal could differentiate between a phone NFC and a card NFC transaction and treat the phone NFC transaction like a Chip inserted transaction and not a tap. Removing the Tap limit.
Then you need to start lobbying Petro-Canada to get the deal negotiated with CIBC and Apple. The only reason that would be delayed is if they're doing a revenue share with CIBC on the transaction fees. They'll have to agree to a cut in their share to make up for the share that Apple's taking.