I am hoping that if they bring it to Canada with the big banks that it will be accepted anywhere that takes NFC payments because the experience of using Apple Pay with American Express is very mixed, not only because many places don't take Amex, but because of those that do not all of them accept it via NFC, and of those that do accept it via NFC not all accept it via Apple Pay NFC! Even McDonalds, who supposedly is accepting Apple pay, has it working at many locations that I have been to but there is one location that I frequent (not a small store) that doesn't accept Amex at all it would seem
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Apple Pay Expanding to China, Possibly France and Canada's Big Banks
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Try living here. You've only seen the tip of the iceberg when it comes to mind-boggling things.
You probably don't know about:
-Our expensive healthcare system, ran by private insurance companies, and if you decide not to pay $500 a month (individual plan) for it, our tax revenue service (IRS) will fine you hundreds of dollars every year.
-Our expensive, yet, substandard college education system where some schools cost over $40,000 a year to attend.
-The fact that most merchants still require us to swipe our card to pay.
-The lack of any kind of mandatory vacation/holiday time like every other country has.
-The filth that's all over our streets, and the ghettos in many cities.
- The amount of homicides every year due to our gun laws that don't work.
- Our corrupt politicians that spend more money in the middle east than here.
It makes no sense to invest a lot of money for infrastructure and personal training just to establish a new gaming place for some people to use their new toy. Or just to give apple a chance to get a sort of bank and earn 1% on the citizen´s payments.
paying with a chip card takes not at all more time than paying with your playPhone.
and it is more secure. How would you pay if your screen is broken or your toyPhone just does´t work?
And - don´t get me wrong - to talk about a "new Payment standard" while this is not even a real little niche in the world market yet is sort of childish...
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Your "toy" works on the same readers a contactless card works on (the standard in most countries).
What is there to be trained about? It's not that hard to say, "insert your card and leave it there until I say you can remove it." or "wave your card and if you hear a beep, it read it."
The excuses you're making for the U.S being behind in credit card payment technology doesn't make sense.
This is not because CC themselves are not a good payment system.
It is American Express themselves who pay with an extreme retard - and the vendors have a LOT of problems with American Express while having no problems with all other players. So don´t blame a very good functioning CC system just because one of their players has bad payment policies during decades…
There is a "good" (= clear) reason that less and less vendors accept American express….
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The US are not "behind" - 99% of the countries in the world don´t even have apple pay. And you will see: Apple pay will not be a real success.
BTW: You did very well prevent yourself to respond also to my very reasonable points about apple pay being not faster nor more secure. and: After you don´t have to pull out your wallet and pay with your PlayPhone, were do you put the receipt after paying? Perhaps….. you pull out your wallet and put it in there?
*ROTFL*
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The US are not "behind" - 99% of the countries in the world don´t even have apple pay. And you will see: Apple pay will not be a rest success.
BTW: You did very well prevent yourself to respond to my very reasonable points about apple pay being not faster nor more secure. and: After you don´t have to pull out your wallet and pay with your PlayPhone, were do you put the receipt after paying? Perhaps….. you pull out your wallet and put it in there?
You are a factual mess today.
The U.S is very behind. 95% of the places you pay with your card you still have to swipe, not insert it.
Currently, at the 5% of the merchants accepting EMV transactions, they only take EMV credit, not EMV debit... And the EMV transaction takes 5-10 seconds, where as Apple Pay takes two seconds.
Apple Pay works on any contactless terminal. Many countries have contactless everywhere so people can tap and pay with their cards.
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American Express charges higher merchant fees because that is part of their business model
American Express is more of a consumer benefit rather than a merchant benefit, that's why merchants don't like them.
Wow !
So you claim to win 5-8 seconds on the paying act after waiting 5 min. to pay? THIS is a real revolution….
I'm not sure if you're trolling or not... Americans are used to the 1 second swipe it takes to make a payment rather than waiting 10 seconds or so with EMV cards.
Think outside the box. You live in France, not America.
so - someone with a different opinion is "trolling?"
You are confusing USoA with "America" ?
It seems there is some extreme compensating nationalism shining trough your statements if you feel under pressure in an discussion.. not worth and just the opposite of the nickname "xxxhero"….
Don´t mix up continents with countries…. and a second or a minute in in the USA is as long as a second or a minute in all other countries on earth. Don´t get offensive instead of presenting real arguments…
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Someone who doesn't know what they're talking about (you), and keeps typing up posts as if he does know what he's talking about is trolling. It's not about a difference in opinion... I'm arguing facts.
The United States is behind on card payment technology (fact), as we still use swipe at over 90% of the places we pay with our card.
Many countries use contactless terminals for contactless card transactions (fact), the United States doesn't have many of those--probably like 10% of total merchants have them.
Contactless transactions are faster than EMV transactions (fact).
You try to negate these facts as if you live here, when you don't, nor do you have any idea what you're talking about, which is trolling.
If you call me just once again "someone Trolling" I will stop this by contacting the mods. It´s enough now.
ahhh . now you´re changing the strategy: Instead of showing pro- arguments about apple pay you´re now are a sort of poser about "defending" contactless paying. Your problem: I NEVER wrote something against contactless payment. NEVER.
Contactless payment works as well with Credit cards. You just need a chip added on them. In europe nearly all CC have them on it.
I am not at all against contactless paying - I do this as well as classic CC payment with signature or CC plus typing a code in the terminal. So what?
Your so-called "arguments" and "facts" have NOTHING to do with apple pay. ZERO. You don´t talk about facts, you are just trying to escape from my arguments and facts. that´s all.
apple pay is a completely useless and childish TOY. Nothing else.
apple pay is not at all a "new payment standard" since it uses the same contactless technology CC use between many years.
apple pay is just a desperate try of apple to
1) squeeze out a lot of money out of the CC/payment market because their revenues from their core business (iPhones) will go down in future times
2) by forcing their customers to use "apple pay" forcing them at the same time to get rid of their good functioning "old" iPhones and buy newer models
there will be every time lemmings who praise and defend the so-called "revolutionary new features" of the ridiculous apple marketing department...
- that´s all.
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Do you guys really use debit/interac everywhere instead of credit? I never use debit. Hoping the banks get onboard with Visas and Mastercards.
Except in the United States, where those cards are a rarity, whether they're debit or credit. I only know of two total banks that have contactless cards in the United States. That is the point I'm trying to make about the U.S being behind on payments technology. Not only is there a lack of contactless cards in this country, there is a lack of merchants that accept them (over 90% of them don't accept tap and go payments).
I know other countries have matured tap and go technology at well over 95% of their merchants, where the U.S doesn't even have anywhere close to that.
My argument to you is against your argument against the guy you quoted.
Apple Pay needs contactless terminals... The U.S doesn't have that many of them.
It's not that hard to understand.
The short answer is "yes." I prefer to spend my own money; helps limit spending.
I expect Visa and Mastercard to follow shortly thereafter.
So perhaps it is not difficult for YOU to understand that apple pay will not work without equipment for contactless payment? The problem is the infrastructure for contactless payment - if this structure was established, you don´t have to need apple pay - because the banks will NOT let apple go for their revenues of billions and billions generated in the CC market… and immediately introduce contactless CC…
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I think concentrating nearly everything in one smartphone gets more and more a security issue.
At least because it can easily be stolen, defective or crashed by accident, let somewhere ion a cafe or store or wherever. or hacked.
And there will be anytime methods to hack a smartphone. Just a question of time for criminal type of R&D.
for these quite convincing facts I will all time prefer separating some sensitive datas and payment methods from my smartphone.
For same reasons I never used "passport" - BTW it seems this was not a success as well...
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What? I have barely been carrying cash for the last 20 years and have had only one experience where a gas station was only accepting cash at the time because their network was down so obviously interac was not working
Interac is a fine service
I'd love to see it, though it's really up to the banks. Maybe if the interact thing is true they somehow negotiated a lesser rate with Apple for those transactions. I haven't used debit in over a decade (unless it's a merchant that doesn't accept CC). I'd hate the lost opportunity of benefits and cash back from CC.
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I'm in Canada, and we have contactless payments quite established - I've been tapping my cards for purchases for 5-10 years. I would prefer to Apple Pay (and currently use it with my Amex at merchants who accept contactless Amex).
I use debit wherever I can. And I've been using VISA Debit a lot too, where places don't take regular debit. If a place takes VISA, it most likely will also accept VISA debit. I've switched all of my online recurring payments (like iTunes) to VISA debit too. So much better than having a balance to deal with on the credit card. I don't have a rewards credit card.
If the United States' banks, UK banks, American Express, and Discover signed on, there is obviously an advantage to Apple Pay over the regular chipped cards.
I would like to see tap and pay equipment set up at 99% of the merchants in the U.S, which would be faster than traditional EMV transactions. I'm not specifically talking about Apple Pay here, I'm talking about ALL of the payment methods.
My opinion, but I think paying off a credit card balance once a month is well worth it for benefits and cash back from credit cards. To each their own though.
The fact that a phone can use NFC is pointless in my argument. I simply mentioned it because it's funny that your phones can do it but your machines cannot.
I more meant that fact that your machines can't even accept chip cards is sad. That has been a standard here for years and is far more secure than a swipe card
But the question is, do you get the same benefits with a Visa debit card rather than a Visa credit card?
For starters, you don't give merchants your chequing (checking) account information. I understand Canada has fully adopted chip and pin, but it's still not a risk I'm willing to take.
Second, the dispute process is so much easier with credit cards compared to debit cards.
And do you get all of the travel benefits with your debit card?
I travel to Europe often, and using a US charge card can be a hassle as many places can not swipe a card. The new US cards with Chips are botched up too. The whole idea of a chip type card is you enter a PIN number, yet in the US even with a chip, you need to sign. This makes no sense.
Apple Pay being accepted in Europe would certainly be helpful for travelers from the US who's credit cards often can not be used.
Apple Pay being accepted in Europe would certainly be helpful for travelers from the US who's credit cards often can not be used.