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Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today
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Wait, HOW do you verify the card when you add it to the device without something like the app. Even my adding my ATB credit card required a text code. And honestly, if you have an RBC account, why wouldn't you have the app on your phone. Sounds like a silly complaint to me.
You just said it. There are other means that don't require going to the App Store, downloading the app, and signing in. Some banks let you do an email confirmation or phone in. In my opinion, those are easier options than installing an app one has no intention of ever using.
Look, I'm not saying it's too much for me. I am saying that the person's objection is valid and I can understand his point of view.
I mean obviously Pizza Hut doesn't make their own credit card terminals--however, they can request different ones which are capable of accepting NFC and chipped payments, and can be handed over to the customer or face them directly at all times.
For example, if you go on Verifone's website, you can see a whole array of readers, or if you go on Amazon, you can find a bunch of readers that accept contactless and have the chip capability (software update and certification pending). So I do blame merchants for having ancient hardware to use cards with.
I've heard it. It's older generations I think. Depends on where you are in Canada.
TD does work, kinda. I added my card to Apple Pay and after an update that wiped the cards I am no longer able to add the card back. Apple blames TD, TD blames Apple so no resolution. Doen't matter much anyway as very few of the retailers I visit took applpay anyway.
This is something I don't get. Do people honestly believe the banks are complete idiots who don't know the first thing about transactions so they have a wide open vulnerable system. But Apple has some sort of magic that makes their system perfectly secure?
I guess I should use Apple pay to protect my credit card company from their own stupidity. Really, all companies except apple should shut down and give Apple their assests because only Apple knows how to do anything right in any industry.
It's for the user's safety though, to prove that I am the owner of the card I'm trying to activate. All it asks for is the card number so you could punch whatever card you want in and get it linked in your phone. For the sake of security, I really didn't find that step very inconvenient.
They did in the U.S for years. Merchants also knew, but neither cared quite frankly... Including consumers apparently. The liability shift is proving all of this.
Quite frankly I've stopped using mobile payments where the chip is accepted. Soon I'm going to start complaining to my banks as to why we have to listen to nut jobs and have contact only cards when we can implement contactless.
Some people were waiting for Apple Pay to come to Canada before they upgraded their iPhones. They wanted that feature, the others being insufficient incentive. Count me as one of those Canadians.
No Scotia Bank or MBNA. Hopefully they will come soon. But I am excited to see that there's progress for Apple Pay in Canada.
Not that I agree with the other post but the app RBC makes you download is less than useless, even if you have an account. They have an actual banking app that is VASTLY better but for some reason they built this second "RBC Wallet" app that just says your account balances, and that's the one that verifies for Apple Pay. If they had built it into their normal app most RBC users probably would have it.
I still didn't find it that annoying. It's stupid that the phone version just says get the app and that their normal app doesn't work but it took 10 seconds to download, verify, and delete the app; didn't even have to search for it since they include a link that goes right to it. That's not exactly the worst thing in the world.
Didn't try the phone route: I just used the RBC wallet. I found it to be No Big Deal - verified within 20 seconds. I'm not quite sure why people are getting so upset.
Just wondered if it worked for you. I wasn't too bothered by it. I would have preferred to have not had to download the app but ultimately I'm fine with it. Yep, seconds and done!
So you're no longer using Apple Pay because other people don't care about security? That's a bit weird to me to be honest but maybe I'm misunderstanding.
It worked fine. Used Apple Pay 3 times this morning - Tim Hortons, Shoppers and some small convenience store.
I use mobile payments wherever the chip reader isn't turned on and I still have to swipe my card. For those places where I the chip reader is turned on, I just use my credit card directly.
Right. I guess what I'm not getting is why you're choosing a method of payment that's slower and is arguably less secure. I imagine I'd understand a bit better if we actually had chip and PIN instead of chip and signature.
Used Apple Pay at subway and Wendy's successfully. The beer store however didn't work, but their terminals are wonky with tap to pay and don't work 3/4 of the time so I don't know if they don't accept it, or if the terminal just wasn't working.
It was effortless and I felt really techy doing it from my watch. The girl at subway was amazed.
It was effortless and I felt really techy doing it from my watch. The girl at subway was amazed.
TD has been behind in technology for sometime now. Their app still not optimized for 6 and 6s format I am not surprised that did not embark on apple pay like the other ones.
Honestly, I don't care if the payment method is 10 seconds slower. I like to chat with the cute cashier behind the counter anyways, and it makes for a great excuse to do so.
If people have a problem with me using my card the way it's supposed to be used, that's their problem, and obviously they've never seen or used a chipped card before. . Visa & MasterCard are rolling out extra fast EMV payments in the U.S. It's not a big deal honestly.
In regards to the signature, my SDFCU Credit & Debit cards are both chip and pin, as stated on the letter that came with them, so that argument doesn't exist with me either.
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In the U.S or Canada?
Canada, since this is a thread about Apple Pay and Canada, I figured that was a given.Honestly, I don't care if the payment method is 10 seconds slower. I like to chat with the cute cashier behind the counter anyways, and it makes for a great excuse to do so.
Visa & MasterCard are rolling out extra fast EMV payments in the U.S. It's not a big deal honestly.
In regards to the signature, my SDFCU Credit & Debit cards are both chip and pin, as stated on the letter that came with them, so that argument doesn't exist with me either.
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In the U.S or Canada?
Plus the US doesn't have The Beer Store
Canada, since this is a thread about Apple Pay and Canada, I figured that was a given.
Plus the US doesn't have The Beer Store
We do have alcohol stores, but they're referred to as liquor stores.
There's been interchanging experiences between the U.S and Canada on this thread.
Too bad Wendy's doesn't take Apple Pay in the states, they just had a data breach not too long ago.
Technically any place with an nfc terminal/interac (almost everywhere, even small stores) should accept Apple Pay here in Canada. I think the beer store was just glitching out.
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We have government sanctioned/run stores for alcohol. LCBO (Liquor control board of Ontario) for liquor and The Beer Store for beer. Though a pilot project is now allowing certain supermarkets to sell 6 packs of beer.
