Apple Pay for Bills

Discussion in 'iOS 8' started by truskowr, Jan 8, 2015.

  1. truskowr macrumors member

    Joined:
    Sep 18, 2013
    Location:
    California
    #1
    So I was wondering why no one is utilizing Apple Pay in order to pay my monthly bills. I tried contacting several companies that I have monthly bills through (ATT Wireless, Ford Motor Credit, PG&E, Capital One Credit Card) to inquire if they were working on the option to pay my bill using Apple Pay. And across the board the answer was NO. Why is that? Does anyone know? It is especially puzzling to me that Capital One allows you to use Apple Pay to make purchases, however you can not pay your monthly bill using it. Does anyone have any insight into why this is?
     
  2. rugmankc Contributor

    rugmankc

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    Dayton, Ohio
    #2
    Don't know about ATT, but if others are credit cards/loans, you can not pay a credit card with a credit card.
     
  3. maflynn Moderator

    maflynn

    Staff Member

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    #3
    I'm confused (no surprise). How would that work, since you have to either pay online or pay by mail. You have nothing to tap to start the apple pay process?
     
  4. truskowr thread starter macrumors member

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    Sep 18, 2013
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    California
    #4
    To clear this up a little:

    PG&E is for utilities (gas, electric)
    Ford Mo Credit is car Payment

    I have a B of A debit card loaded into Apple Pay that I want to use to pay these bills with. If I go to the individual websites I can use the debit card, but not Apple Pay.

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    maflynn - it would work just like other in app payments. Like target for example. It would give you a choice to use apple pay to make the payment
     
  5. rugmankc Contributor

    rugmankc

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    #5
    The debit is from checking, if from a credit card, you can't do it.

    Also, like mentioned Apple Pay is set to start from NFC afaik. Maybe that will change. I see Apple Pay as mobile. If on my computer, I don't see a need for it imho. :)
     
  6. Jessica Lares macrumors G3

    Jessica Lares

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    #6
    Legal reasons. Do you really think a car company wants to take money from a virtual credit card that doesn't have your name?
     
  7. ecschwarz macrumors 6502a

    ecschwarz

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    Jun 28, 2010
    #7
    While I like the idea (virtual debit card for security/privacy), each vendor would probably need to create an app for you to do it and they'd have to make sure that the cards are processed as debit, as opposed to credit where they'd see a cut taken out for fees.

    In the case of AT&T, it would make total sense since they take Apple Pay in the stores (I think), take credit cards on their web site, and have an app. Unfortunately, their app is basically a mediocre wrapper for their web site and they might just be slow to embrace the idea - I have it set to autopay, so I really don't worry about it, but still wish there was the tokenization aspect.

    As for power (or gas) and car loans, I think those might be the last items you'd see do anything other than a debit or ACH transaction for most companies.
     
  8. dyt1983, Jan 8, 2015
    Last edited: Jun 1, 2015

    dyt1983 macrumors 65816

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    #8
    edit: To remove personally identifying info not relevant to the conversation.
     
  9. afsnyder macrumors 65816

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    Jan 7, 2014
    #9
    The companies just need to have an app that lets you pay your bills form the app. They could then add Apple Pay support and then your all set.
     
  10. rorschach macrumors 68020

    rorschach

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    Jul 27, 2003
    #10
    Apps could support it. For example, you can pay your phone bill in the myAT&T app. There's no reason they couldn't add Apple Pay support to the app.
     
  11. slenpree macrumors 6502a

    slenpree

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    #11
    Isn't that like paying a credit card bill with another credit card?
     
  12. alksion macrumors 68000

    alksion

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    #12
    Ideally. Yes. Unfortunately. life is not.
     
  13. Julien macrumors G3

    Julien

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    #13
    How is paying your phone, electric, car payment or gas bill like paying a CC?
     
  14. slenpree macrumors 6502a

    slenpree

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    #14
    Because those in themselves are credit accounts. The only way I could see it working is if apple pay only allowed you to pay bills if it had a debit card on file and not just a credit card.
     
  15. ButteryScrollin macrumors 6502a

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    Jul 29, 2014
    #15
    how could you pay your credit card with the same credit card?

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    I don't think you understand how Apple pay works.
     
  16. TC03 macrumors 65816

    Joined:
    Aug 17, 2008
    #16
    I think banks should try to embrace this as soon as possible.

    Any company should be able to send out an 'invite to pay' easily so that it can be payed for with Apple Pay directly. Would be extremely useful. I can imagine this being used everywhere.

    For instance in restaurants: asking for the receipt with a QR-code on it that allows you to pay with Apple Pay.

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    Why? What do you mean?
    What does it matter? I don't see the point.
     
  17. Julien macrumors G3

    Julien

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    Jun 30, 2007
    Location:
    Atlanta
    #17
    While your are correct about the car payment being a financed credit bill your gas, phone or electric bill are not credit accounts. You must pay them by the month as used. People with questionable credit are usually required to pay a deposit so in they are in reality paying before use.

    Most people don't understand how to use a CC. You should use it like a debit card. This has several advantages. You can get up to 30 days 'free' interest and have all CC advantages over a debit card. You should NEVER carry a balance over and pay interest. This just lowers your buying power and is spending beyond your means. If you pay $500 a year in CC interest that is 1 iPad you buy and 'give' to the CC compony.
     
  18. Prof. macrumors 601

    Prof.

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    Chicago
    #18
    I'm waiting for the day I can pay my CapOne bill directly through ApplePay/Passbook.
     
  19. slenpree macrumors 6502a

    slenpree

    Joined:
    Apr 13, 2010
    Location:
    UK
    #19

    What you're describing is more like a charge card. Although you can do that and some people here do that, this is not how we usually use credit cards in the UK. Each year I take out a "0% APR for 15months" card and pay the minimum each month but before the interest free period ends I pay off the whole balance. The benefit of this is that I can EARN interest on money I've already spent by putting it in a 12 months fixed savings account. I've never paid interest on a credit card!

    P.S. After the promotional period ends (or if the card hasn't got one) then it's normally 56 days interest free in the UK and not 30.


    Jonathan
     

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