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Unfortunately, Citibanks outside of the USA still don’t support Apple Pay.
 
I find it really amusing when the total transaction is over £30 (contactless limit in the UK) and I pull out my iPhone to pay and the cashier tries to tell me it won't work because it's over the limit; the look on their face is priceless when it goes through. They think I've got some sort of special arrangement with my bank!

Only works if the merchant has the latest Apple Pay software installed in their payment terminal though.

There is no such thing as "Apple Pay software" installed in a payment terminal. It's simply support for a standardized flag usable by anyone.

Misconceptions like this are a problem caused by articles that say "Apple Pay now accepted at such and such a store" instead of simply saying "NFC payments now accepted" and teaching the readers that there's no difference.

The UK had similar issues when they switched to chip and to contactless. Only difference is that they did it years ago so folks have forgotten those headaches by now, which is why they like to stick their noses and pinkies in the air about how ‘they’ figured it out already but the US hasn’t.

THIS.

For example, Canadians (who I love) should say nothing at all on this topic. Their switch to chip was supposed to start back in 2003. Then it got delayed to 2005. Then they ran a trial in 2007 and discovered people couldn't remember a PIN that was assigned by the bank, among other initial deployment problems.

Canadian banks finally got going in earnest in 2008, but by 2010 still had far less switchover than originally estimated (only 1/2 of terminals updated after two years). Visa finally had to set a deadline for liability of 2012, I think.

And that was with the extreme advantage of Canadian merchant terminals being mostly owned and controlled by the acquirers, which meant it was easier to update stores.

So, taking many years and missing predictions is not uncommon.

--

Other countries had the advantage of very few banks, tight control of POS terminals, and a high fraud rate to push things along. Whereas the US has thousands of banks, no single source for terminals, and always used online authorization and massive investment in computerized fraud detection.
 
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Um no no joke. Samsung phones work in far more places than iPhones. What don’t you understand?

I think you truly misunderstood my post and were offended in some way lol...it’s ok.

Sorry, I did misunderstand. I thought you were joking that no one has a Samsung phone... which does apply to most of my friends!

At the risk of sounding stupid - in the US, why does "Samsung Pay" work in places where Apple Pay doesn't? I've never heard of Samsung Pay (is it just branded 'Android Pay' in the UK?).

In the UK, or at least in London, Android/Apple Pay both work everywhere. And in the case that one doesn't work, the other won't either.

Remember that in the US, Chip and PIN was not a thing until recently. Samsung Pay works with NFC if present, and if not with MST. MST is a patented process that makes the card reader think a card was swiped, by applying a magnetic field to it. It still uses a token for the card number, so just as secure. Nearly every terminal in the US has a card reader, but many do not have NFC. This isn't a unique US thing... works anywhere... but the US is where this problem of old readers is more prevalent.
 
Sorry, I did misunderstand. I thought you were joking that no one has a Samsung phone... which does apply to most of my friends!.

I probably should have been more clear, my bad. But yes I truly meant it’s frustrating being out to lunch and my co workers with Samsung phones can utilize mobile payments pretty much anywhere and I cannot.
 
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I didn’t bother setting up ApplePay when I did a clean install of iOS 11. After three years of only being able to use it at BJ’s (only to have it fail four times in a row at various locations in the past two months) I’m using my CC for everything now. I’m not banging my head against the wall anymore
 
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After accidentally leaving my wallet at home the other day, and the store I was at not taking NFC payments, I'm seriously looking into getting a used Samsung S8 just for the contactless magnetic swipe capability of Samsung Pay.

Not sure I understand your situation. Are you arguing that you would carry an S8 in addition to your other phone to have access to Samsung Pay in case you forget your wallet?

Seems like a lot of effort (carrying, charging, updating two phones) to prevent a relatively rare occurrence (leaving without your wallet.
 
CurrentC might have been a waste of time, but Walmart Pay is just behind Apple Pay in usage percentage for a purchase (5.1% vs 5.5%).

Curious where you found that statistic. I have been trying to find statistics on the various payment options without much success. Is Walmart Pay accepted anywhere other than Walmart?

Do you have any statistics on their growth (quarterly, annual or year over year)? Also, what about Android Pay and Samsung Pay?

Compliance is not mandatory. It just moves liability if there's fraud.

A shop that sells yarn supplies, for instance, likely has zero fraud. Thus they have no reason to rush to supporting chips.

This is a big issue in getting smaller stores to upgrade. Small fraud risk makes the cost of upgrading not worth it.
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I didn’t bother setting up ApplePay when I did a clean install of iOS 11. After three years of only being able to use it at BJ’s (only to have it fail four times in a row at various locations in the past two months) I’m using my CC for everything now. I’m not banging my head against the wall anymore

Where do you live? I find that in Chicagoland, Las Vegas and Southern California it is accepted at about half of the places I shop most frequently. In Las Vegas, all MGM properties accept it and quite a few gas stations as well. Jewel in Chicagoland, Sprouts and Vons in Southern California. Trader Joe's and Partial Paycheck (Whole Foods - since the Amazon acquisition, their prices have come down a lot). Best Buy, Fandango, Jersey Mike's, Lyft, Panera, Pepboys, Petco, Uber and Walgreens are all places where I use it.

My two biggest frustrations are: sit down restaurants where even Samsung Pay will not work as they take my card from the table instead of bringing the terminal to me; and gas stations where I cannot Pay at the pump (curious if Samsung Pay works there as the reader is fairly deep and I am not sure of the range).
 
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Not sure I understand your situation. Are you arguing that you would carry an S8 in addition to your other phone to have access to Samsung Pay in case you forget your wallet?

Seems like a lot of effort (carrying, charging, updating two phones) to prevent a relatively rare occurrence (leaving without your wallet.

I would hope he's talking about switching, otherwise it would seem you have just as great a chance to leave the extra phone at home as the wallet.
 
Not sure I understand your situation. Are you arguing that you would carry an S8 in addition to your other phone to have access to Samsung Pay in case you forget your wallet?

Obviously I'm talking about switching to an S8 for the MST feature.

Curious where you found that statistic. I have been trying to find statistics on the various payment options without much success. Is Walmart Pay accepted anywhere other than Walmart?

Nope, it's only taken at Walmart.

The statistic I quoted was about the percentage of users who have access to a particular payment type, and actually use it whenever possible.

https://www.pymnts.com/mobile-wallet-adoption-2017/

This stat is apparently of most interest to the payments industry, as it's not uncommon for people to try something and then stop using it. E.g. how like 25% of people have tried Apple Pay, but only 5% continue to use it even when a store takes it.

My two biggest frustrations are: sit down restaurants where even Samsung Pay will not work as they take my card from the table instead of bringing the terminal to me; and gas stations where I cannot Pay at the pump (curious if Samsung Pay works there as the reader is fairly deep and I am not sure of the range).

Yeah, makes it impossible to go without a card. Well, unless you're willing to walk to their terminal in the back of the restaurant or inside the gas station.
 



Apple Pay is rolling out to all Saks Fifth Avenue, Albertsons, and Dick's Sporting Goods locations across the United States. It's also coming to McDonald's and Chipotle's order-ahead apps in several cities later this year.

apple-pay-hand.jpg

Meanwhile, contactless tickets supported in Apple's Wallet app are coming to all Ticketmaster sports and concert venues in the United States.

Jennifer Bailey, Vice President of Apple Pay, revealed the news at the Money20/20 conference in Las Vegas over the weekend. On stage, she also revealed several other statistics about Apple's mobile payments service.

Namely, she said Apple Pay will be available in 20 markets after it launches in Denmark, Finland, Sweden, and the United Arab Emirates as early as this week. We've also heard rumors about Apple Pay coming to the Netherlands, Poland, and Norway, but Apple has yet to confirm a rollout to those countries.

Bailey said that Apple Pay now works with over 4,000 banks and other participating issuers around the world. She added that 50 percent of retailers in the United States now accept the mobile payments service.

As mentioned during Apple's most recent earnings call, Bailey echoed that Apple Pay is by far the most popular contactless payment service on mobile devices, accounting for nearly 90 percent of all transactions globally.

In related news, payment processor First Data today announced that Clover Go, its all-in-one contactless, chip, and swipe card reader, will be available in the coming weeks on Apple.com and in Apple retail stores across the United States.

clover-go.jpg

First Data also said more than one million of its business clients now accept Apple Pay. The company plans to enable Apple Pay support for loyalty and gift cards at these merchants through integration with its Clover platform.

Meanwhile, Apple Pay Cash could launch alongside iOS 11.1 or shortly afterwards in the United States. Apple has invited both its corporate and retail employees to test the feature in beta over the past few weeks.

Article Link: Apple Pay Expanding to All Saks Fifth Avenue, Albertsons, Dick's Sporting Goods, and Other Locations
[doublepost=1508783739][/doublepost]Retailers make sure you read the Clover contract details closely before signing up. I do not think Apple implies using the platform.
 
Albertsons is within ~3% of Kroger in terms of the size of their respective chains. Next is Ahold Delhaize (Food Lion/Giant in the Mid-Atlantic) which is another ~3% smaller. Those three together probably would qualify as "most people use these."

And according to this article http://www.nacsonline.com/YourBusiness/FuelsReports/GasPrices_2013/Pages/WhoSellsGas.aspx approximately 60% of all gas stations in the US are independently owned. Shell has the most stores with their brand but Chevron has the most corporate stores (all these numbers are as of 2013 which are the latest I can easily find). And both of those are mere drops in the bucket compared to the total market.
I didn't realize Albertson's was so close! And great info on gas stations.

My "most people use these" was more directed at the fact that while not all people use target or walgreens, most people use a grocery store and need gas.
 
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What is this store-by-store expansion rubbish? Get your **** together, America - the rest of the world manages to automatically accept Apple Pay wherever contactless payments are accepted. Which is the majority of places.
Yeah, it’s funny seeing these articles when it’s even accepted at the tiny milk bar down the road from me :)
It seems to just work pretty much everywhere here in Melbourne, the banks are the only thing making it hard to use. :rolleyes:
 
My two biggest frustrations are: sit down restaurants where even Samsung Pay will not work as they take my card from the table instead of bringing the terminal to me; and gas stations where I cannot Pay at the pump (curious if Samsung Pay works there as the reader is fairly deep and I am not sure of the range).

Samsung Pay actually can work at the pump with the deep readers at some stations. It may not be a reliable or easy method, but here it is in action:

1:06 mark.
 
I don't understand why all of this is still such a problem. Lots of places are still having problems with the chip cards. For example, the Lowe's by my house has stickers on every terminal that say "Swipe for credit. Chip for debit." And the clerks ask which you want and tell you to do the same. What the hell is wrong with them that they could only get it working for one but not the other?

The even more aggravating thing is that I then will swipe my credit card and the terminal tells me to insert the chip. Then the next time I go I insert my credit card chip from the start, the clerk looks at me like I just murdered a baby, and the terminal tells me to swipe. :mad::mad::mad:
 
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Yeah, it’s funny seeing these articles when it’s even accepted at the tiny milk bar down the road from me :)
It seems to just work pretty much everywhere here in Melbourne, the banks are the only thing making it hard to use. :rolleyes:

It's even funnier to see people forget how slow their own countries were to adopt things :)

Let's see. The UK adopted chip & PIN in 2006. By 2009, Australian banks were beginning to distribute chip cards, but only a few thousand out of 800,000 terminals had been updated to use chip, so it was mostly useless.

It wasn't until 2014 that Aussie banks agreed with the credit card companies to mandate a switchover and update all the terminals.

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Moreover, there were only about 16 million credit cards in Oz to get updated. US consumers have over a BILLION credit cards of all types.

Less than a million card terminals in Australia. About 14 million in the US.

So using those stats, it would not be surprising if it took a dozen times as long for the US to fully deploy.
 
There is no such thing as "Apple Pay software" installed in a payment terminal. It's simply support for a standardized flag usable by anyone.

Misconceptions like this are a problem caused by articles that say "Apple Pay now accepted at such and such a store" instead of simply saying "NFC payments now accepted" and teaching the readers that there's no difference.
Okay, so I think it's the actual payment terminals that need to be updated. This is an extract from the Telegraph newspaper website in the UK:
Contactless card payments are limited to £30 to prevent fraud, since they do not require shoppers to enter a PIN.

Apple Pay transactions, which are made by holding an iPhone or Apple Watch against a card reader, are approved using the iPhone fingerprint scanner or watch’s biometric sensors. The extra security allows Apple Pay to make payments of any value, but retailers have had to embark on a programme of terminal upgrades to support them.

“We think the majority of the contactless terminals [in the UK] are now limitless,” Ms Bailey said. Retailers now accepting the higher-value payments include supermarkets such as Waitrose and Sainsbury's and restaurants including Pizza Express and Nando's.
 
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Albertsons = Safeway. Eagerly awaiting.
My local Vons (part of the same company) activated Apple Pay last week. They were the last holdout of my main stores.
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At least some of the McDonald’s in Omaha used to accept Apple Pay.

Then it went away without any notice or explanation. I wonder why?


The McDonald’s near me takes pretty much every form of payment that ever existed. If Bitcoin were legal tender in the USA, they’d take that too.

DD000953-DC3B-4981-AB5F-F6524C306EA1.jpeg
 
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What is this store-by-store expansion rubbish? Get your **** together, America - the rest of the world manages to automatically accept Apple Pay wherever contactless payments are accepted. Which is the majority of places.

Nearly half of the retailers in the USA can’t even process a chip card.
[doublepost=1508821771][/doublepost]Costco has to get their together and activate the nfc readers they have installed in their pumps and check out lanes. Kroger has to follow up on the test they did in Arizona two years ago by installing nfc pos readers in their checkout lines. When these two heavyweights do this this will have a big effect. (My mom and sister have done more shopping at Meijer’s in the meantime because of Apple Pay there.)
 
Not many stores have NFC chip in their cash registers. Samsung Pay's MST is far superior to Apple Pay and Android Pay but nothing beats cash and debit/credit card.

Cash
Debit/CC
Samsung Pay
Apple Pay
Android Pay

If you happen to be at a gas station to use their debit machine outside or at a fast food drive-thru, it's still more convenient using cash or debit as handing the phone to the cashier will feel awkward.

Some places still accept cash only. Most local restaurants and markets won't accept Apple Pay and Android Pay. Samsung Pay is the best of the three by far but even you can't use it to withdraw cash from an ATM.
 
Does this even matter? I've never needed the cashier to know anything anywhere I've used Apple Pay. I always just hold my phone up to the terminal, it's never required the cashier to do anything different.

Actually yes, on many terminals the tap to pay portion will never show until the cashier turns on the point of sale. These are places that have a tap to pay terminal but not an official acceptance of apple pay. My barber, local auto body shop, local pharmacy, Dairy Queen, and my fav. pizza place all have to take action on their terminal before I can just hold my phone or watch up.

This is the part of using mobile payments (not just Apple Pay) that really need some love because for many people, if it requires aaaaaany explanation at all (especially on the part of the customer) then said business will just write it off as too complicated or less convenient. I'm surprised you've never had the experience of having to ask the cashier to start the point of sale, it's happened to me many times.
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Its even better when you keep your Apple Watch under your sleeve so the cashier thinks you're a wizard.
YES! Love that moment.
 
The payment terminal just activates automatically when the cashier is ready to accept payment, it's no different than paying with a card.
 
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