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

[American Hero]

Also, your average Pizza Hut probably has 9 or 10 Debit Machines on premises. Most stores have delivery service, and you'll need a machine for each delivery driver. Also they'll have 2 or three machines for in the store, at the counter, or wireless for in the sit down restaurant.

In Canada perhaps, not in the U.S.

We don't have sit down wireless readers here.

Delivery service is either paid online or over the phone (where you give them your card info). The driver's don't carry the machine.

Each Pizza Hut in the U.S has one or two terminals (two at the most).

I don't blame you for not knowing any of this... the U.S is a joke and backwards.

 

[Stella]

I've used Apple pay at Longos, Tim Hortons, Rexal, Shoppers - all successful.

Apple Pay is just another payment method. I find it convenient - just like I find Tap convenient. If you don't see the point of AP - then continue using your physical card. The limits of AP follow that of Tap. I'm happy there's a limit on Tap - for obvious reasons...

Swipe readers are legacy - and are being slowly phased out - so that Samsung Pay with Swipe ( also works with NFC like AP ) - won't function forever. You'll have to insert your card or Tap your physical card.

Well for starter, you can't pay anything over 100 dollars! I tried to use Apple Pay for 112.35 CAD purchase, got declined. Because of the tap limit.

Second try on local small restaurant, trying to pay with Apple Pay, tap feature got disabled.

So only success was at Tim Hortons and McDonalds.

With Apple Pay, you still need carry your wallet and credit card. Wish it work more like Samsung Pay, where it actually work with swipe card reader.

 

[XboxMySocks]

I don't use PC Financial, but since they had a bunch of things that Tangerine got after them, yes I am surprised.

I guess. I'm not in the least bit surprised that Apple Pay isn't available on PC yet. It probably won't me for months to come.

 

[Wondercow]

In Canada perhaps, not in the U.S.

We don't have sit down wireless readers here.

Delivery service is either paid online or over the phone (where you give them your card info). The driver's don't carry the machine.

Each Pizza Hut in the U.S has one or two terminals (two at the most).

I don't blame you for not knowing any of this... the U.S is a joke and backwards.

I remember in the initial Apple Pay threads there were Americans who just couldn't understand how this would work for delivery or restaurants; comments like "what are they gonna do, bring the whole thing to your door/table?" were quite common. For the record, that's exactly what they do, but it's a small, hand-held device (with a cellular radio for at-the-door payments). I still find it amazing that we're got all this before you

 

[American Hero]

I remember in the initial Apple Pay threads there were Americans who just couldn't understand how this would work for delivery or restaurants; comments like "what are they gonna do, bring the whole thing to your door/table?" were quite common. For the record, that's exactly what they do, but it's a small, hand-held device (with a cellular radio for at-the-door payments). I still find it amazing that we're got all this before you

Well, sir, that's because I have to listen to this in America:

"What, using the chip to perform transactions? That's so stupid?!"
"Why do we have to switch to this stupid chip?!"
"Who cares if they take chipped cards? I don't mind swiping."
"Contactless cards?, those are unsafe and stupid!!"
"Mobile phone payments are stupid, who cares?"

And then from the merchant side:

"Who cares? We'd rather pay for the cost of fraud than buy new terminals."

"Well, most customers don't have the chipped card anyways,so we'll take our time getting our stuff certified even though we bought the capable terminals two years ago."

"Oh the banks will cover the cost of fraud anyways." (Even though they won't anymore).


We're by far the dumbest, laziest, and most backwards country in the world. Even third world countries are ahead of the United States today.

 

[Dave-Z]

We're by far the dumbest, laziest, and most backwards country in the world. Even third world countries are ahead of the United States today.

It's amusing to read your posts given your handle.

It was not until Apple Pay was originally introduced (in the USA) that I learned how far behind America was with its merchant payment systems. Really surprising.

 

[tmiw]

Even third world countries are ahead of the United States today.

There are a lot of countries that also got credit/debit cards much later than we did, so they got the latest technology first. Some perspective helps here.

I remember in the initial Apple Pay threads there were Americans who just couldn't understand how this would work for delivery or restaurants; comments like "what are they gonna do, bring the whole thing to your door/table?" were quite common. For the record, that's exactly what they do, but it's a small, hand-held device (with a cellular radio for at-the-door payments). I still find it amazing that we're got all this before you

Honestly, I thought it was going to be more likely that it would happen via, say, a Pizza Hut app than someone bringing a wireless terminal to your door. Same with sit-down restaurants.

And if the Apple Pay via website rumor actually pans out, then they wouldn't even need to make the app.

 

[American Hero]

Honestly, I thought it was going to be more likely that it would happen via, say, a Pizza Hut app than someone bringing a wireless terminal to your door. Same with sit-down restaurants.

You make a good point about the app payments. People could pay with Apple Pay through an app at the restaurant, get a pre-signed receipt e-mailed to them, and then have the restaurant automatically print one on their end.

I don't see how that would ever solve the chip problem, though. Not everyone is going to be up for mobile payments. I'd rather have both technologies exist.

 

[kdarling]

most backwards country in the world. Even third world countries are ahead of the United States today.

Or you could look at the other way.

The US is one of the last to adopt this 20 year old technology designed for offline use, because US banks have had realtime online authorization since the beginning. They've been advanced since day one.

Moreover, US banks invested so much more into automated realtime intelligent risk analysis, that they're comfortable with the current fraud percentages as compared to their processing fees. They're making billions from handling the risk. Another advanced advantage.

And of course, one of the major advantages to the normal user was that we could quickly swipe and scribble using our credit cards without a real care, knowing that we were covered for fraud. It's like being treated like royalty, instead of as possible thieves all the time who must be challenged with PINs

 

[tmiw]

And of course, one of the major advantages to the normal user was that we could swipe and scribble credit cards without a real care, knowing that we were covered for fraud. It's like being treated like royalty, instead of as possible thieves all the time who must be challenged with PINs

There's a chance PIN would have made it easier for people to understand why the chip's getting added though. As it is now the banks basically included the chip and let people have at it, so people think Visa added 10 seconds to every card use for no reason.

 

[Junior117]

I guess. I'm not in the least bit surprised that Apple Pay isn't available on PC yet. It probably won't me for months to come.

Well, that's a shame. :/

 

[Peepo]

I've been using Apple Pay with Amex since November, and for the most part it's been fine, although I find using my Apple Watch to be a bit more finicky (not sure if the signal from the Watch isn't strong enough, but it sometimes has trouble at locations where my iPhone has no problem). I'm extremely happy that this has now extended to my CIBC VISA, though, since there's almost nowhere I shop that doesn't take tap-to-pay VISA cards, so I can now use Apple Pay pretty much everywhere. Honestly, for the sake of security, I'll probably make a personal rule that I don't give my business to places that won't accept Apple Pay (aside from sit-down restaurants, I suppose, since none of them seem to take tap-to-pay for some reason).

The restaurants are because most put in the amount and then hand to you to do a tip and this requires card inserted already for some reason. Some goofy setups even require the card inserted first before they can even enter the transaction. I have seen a couple devices on rare occasion where they do the entire transaction and hand to you where you enter tip, and then you present the card and could even tap as an option.

 

[XboxMySocks]

Well, that's a shame. :/

Keeping in mind that is just my speculation. But I would be fairly surprised to see it in 2016 at all.

 

[American Hero]

The US is one of the last to adopt this 20 year old technology designed for offline use, because US banks have had realtime online authorization since the beginning. They've been advanced since day one.

Now only if we could get credit card transactions to go through immediately instead of being in a "pending" state for a few days, would be nice. This way I can dispute charges immediately and the cash back shows up instantly.

 

[tmiw]

Now only if we could get credit card transactions to go through immediately instead of being in a "pending" state for a few days, would be nice. This way I can dispute charges immediately and the cash back shows up instantly.

I've actually been able to get pending fraudulent charges to not post before. It depends on the bank/card issuer.

 

[hogo-fogo]

Nope - still 0 (zero) interest in using pay crapple technology.

Once crapple becomes a financial institution and offers 3% ca$h back on all purchases via pay crapple, then I might reconsider

 

[Wreckus]

Nope - still 0 (zero) interest in using pay crapple technology.

Once crapple becomes a financial institution and offers 3% ca$h back on all purchases via pay crapple, then I might reconsider

Why post in an apple discussion if you flipping hate apple and their technology? Go away pls

 

[hogo-fogo]

Why post in an apple discussion if you flipping hate apple and their technology? Go away pls

Trying to stay in crapple/love buble? Nobody with an opinion you can't agree with should post to macrumors? Don't like my opinion about pay crapple? Don't read or go-away...

 

[tmiw]

Trying to stay in crapple/love buble? Nobody with an opinion you can't agree with should post to macrumors? Don't like my opinion about pay crapple? Don't read or go-away...

You're not going to change anyone's minds here so I'm not sure what the point of that post was.

 

[hogo-fogo]

To show that not everybody is going to use pay crapple

 

[temna]

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.

I verified with the actual RBC app, not the wallet app..
[doublepost=1463000807][/doublepost]

Canada, welcome to the ApplePay mess.

What mess? Double click a button on my watch and bring my wrist near the reader and purchase finished. No muss no fuss.
[doublepost=1463000902][/doublepost]

To show that not everybody is going to use pay crapple

Then go away, we don't want to hear from you.

 

[Cervelo-Van]

It's aboot time!

Yup, already used my debit card for purchases

 

[Wondercow]

There's a chance PIN would have made it easier for people to understand why the chip's getting added though. As it is now the banks basically included the chip and let people have at it, so people think Visa added 10 seconds to every card use for no reason.

And this relates to something I simply do not understand (and perhaps someone who does could explain it for me): how does chip & signature reduce fraud? With chip & PIN if I steal your card I still can't use it because I don't know the PIN. With chip & signature, can't I still just forge your name?
[doublepost=1463008442][/doublepost]

Nope - still 0 (zero) interest in using pay crapple technology.

Once crapple becomes a financial institution and offers 3% ca$h back on all purchases via pay crapple, then I might reconsider

Making fun of a name, how original and inventive. I'm not surprised, since you've demonstrated such a 12-year-old mentality, that you don't understand that this is not an Apple technology--tokenization is part of the (EMV) standard that anyone can implement. Using Apple Pay still nets you all the benefits of your credit card, including cash back

 

[kdarling]

And this relates to something I simply do not understand (and perhaps someone who does could explain it for me): how does chip & signature reduce fraud? With chip & PIN if I steal your card I still can't use it because I don't know the PIN. With chip & signature, can't I still just forge your name?

Stolen cards are a comparatively rare form of fraud. Most people notice and report them fairly quickly.

More often (*), the account number and security code printed on the card itself, are stolen and used to make a working counterfeit swipe card that the account holder (and bank) might not notice right away.

However, such simple copying won't work making a counterfeit chip card, because the thief is missing the hidden internal codes.

So, while not more secure than chip & pin, chip & signature is more secure than swipe & signature.

--

(*) Of course, the most common method is to use the account number to make internet (non-card-present) purchases. Which is why card tokens or using different printed/swipe numbers are simple preventative measures.

 

[Sefstah]

Please make something like Samsung Pay. Apple Pay isn't supported nowhere near as many places that accept Samsung Pay. I dont want to rely on both my ATM card and my iPhone anymore.