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Apple Pay Coming to Quiznos, Smashburger, and Other Restaurants With Integrated Loyalty Program

UL2RA said:
People's eyes light up when I just use my phone to make a payment. I'm surprised how many people are not aware of this feature yet.
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With the watch, it's even easier.

I miss Quiznos! But I like Jimmy John's better, if I had to choose between the two... and they do take Apple Pay!

As an aside - I may be in the minority here, but I really couldn't care less about most place's loyalty programs. But if this means more places will get on board the NFC payment train, then I'm all for it.
 
NFC payment has existed for around 20 years where I grew up. Of course, it was not as secure as it is now, but I am still amused by those register workers that have not seen anyone use Apple Pay at their place before.
AND they don't even know that their register are already equipped with such convenience where they constantly try to tell us that it does not work.
 
GrumpyMom said:
I hope Apple Pay catches on more places so those of us using other forms of contactless payments that have always worked can do so in peace.
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Apple Pay works with any retail NFC contactless card payment system, not just the ones that Apple partners with.
 
tmiw said:
Apple Pay is what contactless is called here. The US never really adopted the cards at all.
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I'm from the US. There seem to be a ton of people here that think Apple Pay only works with a specific list of Apple Pay partners, when in fact it works with any standard contactless payment system.

I have never had Apple Pay fail at any retailer (with NFC payments), regardless of whether they are on the list or not.

It even works at those retailers like Best Buy who several years ago tried to block Apple Pay in favor of that abomination called CurrentC.
 
I'm glad that Apple Pay has been rolling out to more and more stores. In just a year, it's now easy in my area to find a store that takes it. However, transactions are often hit-or-miss. Today I tried it twice in one of my local stores. The transaction appeared to go through, but right before the receipt was to print it aborted the transaction for no clear reason. This has happened occasionally at several different stores. So I'm still not ready to entirely put away my debit card until I'm certain that AP will be completely reliable.
 
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ActionableMango said:
Apple Pay works with any retail NFC contactless card payment system, not just the ones that Apple partners with.
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I remember my local Home Depot took Apple Pay in the earlier part of its release. For some reason some time last year or the year before they turned it off. It sucks because a lot of places have the upgraded terminals but they don't work due to politics. Target would benefit just in checkout times alone. Chip reader takes forever and having to pull up the cartwheel pass is another step. More transactions per hour makes a lot of sense to me.
 
ActionableMango said:
I'm from the US. There seem to be a ton of people here that think Apple Pay only works with a specific list of Apple Pay partners, when in fact it works with any standard contactless payment system.

I have never had Apple Pay fail at any retailer (with NFC payments), regardless of whether they are on the list or not.

It even works at those retailers like Best Buy who several years ago tried to block Apple Pay in favor of that abomination called CurrentC.
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I'm aware of that. However, most stores aren't going to know what you're talking about if you ask about "contactless" or "tap" or "payWave". They will know what you mean if you say "Apple Pay" though.

In fact, I wouldn't be surprised if the banks market contactless cards as being "just like Apple Pay" if they ever bother coming out with them en masse.
 
Ah, finally a reason I might start using Apple Pay. I mean, I've never been to these restaurants, but if Safeway and such started using this instead of having their own loyalty systems, that would be great.
 
ActionableMango said:
Apple Pay works with any retail NFC contactless card payment system, not just the ones that Apple partners with.
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Most in the US actually shut their NFC readers off, even if they have them, like CVS where Apple Pay worked for a few months when it first came out then stopped and never came back.

Retailers in the US... they're weird like that.
 
Relentless Power said:
Target expressed they have no interest in Apple Pay and it's clear they're not going use Apple Pay, aside for online purchases through the application.

But after their breaching incident back in 2014, I think it would have been logical for them to use contactless payments.

https://www.macrumors.com/2017/02/13/target-says-no-apple-pay-plans-underway/amp/
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Actually, they had another in 2015. I know, because I got caught with both of them. Since 2014 I have shopped twice at Target, both times in the Christmas season, and both times my credit card number was among the ones stolen off of Targets databases. I did not have any false charges, either time, but I did have to notify other accounts that my Credit Card (actually, a Visa Debit Card) had been replaced. These 2 events are what made me start using Apple Pay, and I did write to Target and said that until they get a secure system that I would not shop there.

I know, I know, this threat is keeping them awake at night. Which is the problem I have with them. They screw up, I have to fix the problem they caused, at least on a personal level, and their attitude is "sucks to be you".
I won't put them out of business but I won't contribute to them either.
 
EdT said:
Actually, they had another in 2015. I know, because I got caught with both of them. Since 2014 I have shopped twice at Target, both times in the Christmas season, and both times my credit card number was among the ones stolen off of Targets databases. I did not have any false charges, either time, but I did have to notify other accounts that my Credit Card (actually, a Visa Debit Card) had been replaced. These 2 events are what made me start using Apple Pay, and I did write to Target and said that until they get a secure system that I would not shop there.
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Mine were taken too, and I also had replacements. That's what finally convinced me to use one card only for online payments, and a different one for in-person payments. That way whenever (not if) the card I use in person gets compromised, I don't have to redo all my online payment accounts.

Also like you, I had no false charges from either incident. But I've had plenty of them from cards that I think were compromised at restaurants and other small businesses where someone simply wrote the account numbers down.
 
Exile714 said:
Most in the US actually shut their NFC readers off, even if they have them, like CVS where Apple Pay worked for a few months when it first came out then stopped and never came back.

Retailers in the US... they're weird like that.
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Many of the big retailers are like that. But I find that the smaller shops - the ones that just use off-the-shelf payment systems - tend to take Apple Pay. They just don't know that they do. I am always having to train the staff how it works. Almost without fail, when I see one of these type of terminals somewhere, Apple Pay works just fine.
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They just have to hit the "Sale" (F1) button, then type in the amount of purchase and hit the green enter key. After it reads my phone, I have to select "Credit" even though my Apple Pay is tied to a debit card. All Apple Pay transactions are treated as Credit it seems.
 
kdarling said:
Mine were taken too, and I also had replacements. That's what finally convinced me to use one card only for online payments, and a different one for in-person payments. That way whenever (not if) the card I use in person gets compromised, I don't have to redo all my online payment accounts.

Also like you, I had no false charges from either incident. But I've had plenty of them from cards that I think were compromised at restaurants and other small businesses where someone simply wrote the account numbers down.
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Agreed. I would prefer using a chip only card (no magnetic strip or visible card numbers) but the US is 20 years behind Western Europe in that regard.
 
EdT said:
Agreed. I would prefer using a chip only card (no magnetic strip or visible card numbers) but the US is 20 years behind Western Europe in that regard.
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Indeed chip-and-pin is a much better system than how we use cards in the US. Even now that we've added chips, we're still only halfway there.

My understanding though is that Apple Pay is even more secure than chip-and-pin for two reasons:

(1) With Apple Pay, the retailer and credit card processor never get your credit card number, they get a "token" (a one-time-use number valid only for that one transaction at that one moment). If the company's database was hacked or leaked, you are okay because your numbers were never transmitted or stored in the first place.

(2) For a chip-and-PIN card, the PIN can be surreptitiously observed and recorded, and chip cards can be "shimmed", thus allowing a thief to use your account.
 
ActionableMango said:
Indeed chip-and-pin is a much better system than how we use cards in the US. Even now that we've added chips, we're still only halfway there.

My understanding though is that Apple Pay is even more secure than chip-and-pin for two reasons:

(1) With Apple Pay, the retailer and credit card processor never get your credit card number, they get a "token" (a one-time-use number valid only for that one transaction at that one moment). If the company's database was hacked or leaked, you are okay because your numbers were never transmitted or stored in the first place.

(2) For a chip-and-PIN card, the PIN can be surreptitiously observed and recorded, and chip cards can be "shimmed", thus allowing a thief to use your account.
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I do use Apple Pay where I can, but a significant number of retailers don't even have chip capabilities here.
 
ActionableMango said:
Apple Pay works with any retail NFC contactless card payment system, not just the ones that Apple partners with.
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I was thinking about the kind of contactless payment technology Samsung Pay uses when I made my remark. It doesn't need NFC. It can work with the magnet swipers somehow. Whatever voodoo they use to make it do that confuses the hell out of retail clerks to the point of freaking a lot of them out.

But thanks, I didn't realize Apple Pay works even with the NFC systems that Apple doesn't partner with. Apple Pay does not work so many places where the NFC logo exists that I was indeed thinking a partnership agreement was necessary. I honestly gave up on Apple Pay because so many places I shop won't accept it. But they can't seem to stop Samsung Pay from working at a lot of places.

Anyway my issue was I was conflating two very different types of contactless payments. Samsung Pay is sort of a stopgap that allows "contactless" to take place at magnetic terminals. But it's not the kind of contactless most people mean by the term.

Jeez I hope you can understand what I am trying to say. I've been on the road all day yesterday, barely recovered from the flu as well, and am still trying to wake up this morning. My post barely makes sense to me and I wrote it, so just skip it if it doesn't make sense. I won't be offended. ~~~Waitress, more coffee please!
 
ActionableMango said:
Apple Pay works with any retail NFC contactless card payment system, not just the ones that Apple partners with.
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That's not always true though.

I've had situations where Apple Pay will come up and goes through, but then it gets rejected. This seems to be more common with Taxis.
 
UL2RA said:
People's eyes light up when I just use my phone to make a payment. I'm surprised how many people are not aware of this feature yet.
Click to expand...

This is very dependent on where you are. Here it is very normal. Not the majority by any means, but nothing that surprises anyone.
 
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