• Did you order new AirTags? We've opened a dedicated AirTags forum.

MacRumors

macrumors bot
Original poster
Apr 12, 2001
52,516
14,214



Target today launched its own payments platform, allowing customers to pay for purchases in Target stores using a new Wallet feature in the dedicated Target app available on iOS and Android devices.

Target's Wallet feature lets customers pay with their Target REDCard and get Cartwheel discounts and benefits all in one phone scan during checkout.

targetwalletapp.jpg

To use the feature, Target customers need to add a Target REDCard to the Wallet in the Target app. REDCard is Target's store-branded credit card, which offers customers discounts on purchases.

When checking out in a retail store, Target customers will need to open up the Target app, tap on Wallet, scan coupon barcodes and then scan the wallet barcode to make a purchase.

Target's payments service is a barcode-based system, similar to Walmart's dedicated Walmart Pay option, which uses QR codes. While Walmart Pay supports any major credit, debit, pre-paid or Walmart gift card, Target's Wallet appears to be limited to its own REDCards. Target claims that its new Wallet feature is up to four times faster than other payment types when checking out.
"Wallet in the Target app makes checkout easier and faster than ever," said Mike McNamara, Target's chief information and digital officer. "Guests are going to love the convenience of having payment, Cartwheel offers, Weekly Ad coupons and GiftCards all in one place with Wallet."
Target, like Walmart, is one of the few remaining major companies that have opted not to adopt Apple Pay, Apple's mobile payments service.

As a result, Apple Pay is not available in Target's retail stores, but Target does offer Apple Pay as a payment option in the Target app when making online purchases.

Target is a founding member of the Merchant Customer Exchange (MCX), a now defunct consortium of retailers that planned to launch a payment platform called CurrentC to compete with Apple Pay. CurrentC has been delayed indefinitely, and many MCX members like Best Buy and Rite-Aid have begun accepting Apple Pay.

Earlier this year, Target said it had "no plans" to add in-store support for Apple Pay.

Article Link: Apple Pay Holdout Target Launches New In-App Mobile Payments System
 

Jayson A

macrumors 68000
Sep 16, 2014
1,892
1,170
Yeah! Good idea Target! Let's just make more apps and make things even more complicated for the customers. Let's just download an app for each store we shop at so that we can use their version of mobile payment instead of just using one universal method.

I wish companies would get it through their heads that we should STANDARDIZE stuff like this and let EVERYONE use it. Imagine if USB were exclusive to Apple or having to buy a samsung video player to play samsung discs instead of blu-ray. Imagine if each company had it's own movie format? Oh, I want a certain movie, but it's not available for my specific device... darn.

Everyone needs to use ONE THING.
 
Comment

tmiw

macrumors 68020
Jun 26, 2007
2,235
508
San Diego, CA
I'm not surprised; the US does have very high card fees compared to most other countries and many businesses don't like paying them.

What's most surprising to me is that cards are as well accepted as they are. I'd have expected there to be far more cash only businesses and ones that charge extra for card use considering the cost to run cards.

Anyway, that's why I think it'll be quite a while before one can leave their wallet at home, unfortunately.
 
Comment

tekcor

macrumors member
Jun 27, 2007
63
52
Yeah! Good idea Target! Let's just make more apps and make things even more complicated for the customers. Let's just download an app for each store we shop at so that we can use their version of mobile payment instead of just using one universal method.

I wish companies would get it through their heads that we should STANDARDIZE stuff like this and let EVERYONE use it. Imagine if USB were exclusive to Apple or having to buy a samsung video player to play samsung discs instead of blu-ray. Imagine if each company had it's own movie format? Oh, I want a certain movie, but it's not available for my specific device... darn.

Everyone needs to use ONE THING.
After iTunes' stranglehold on the music industry until streaming services, companies are uneasy about giving them any sort of control
 
Comment

kingpushup

macrumors regular
Jun 24, 2013
222
234
NFC Payments of whatever sort are rapidly gaining... and I am most surprised that Target is following Walmart, when Target most needs customers.

Amazon is seriously crushing it - if I were to speculate, and nice to see Walmart enter the quick-ship market.

But how has Target innovated recently? Curious and hopeful that they are remaining competitive...
 
Comment

tmiw

macrumors 68020
Jun 26, 2007
2,235
508
San Diego, CA
Target wants to make sure they can track all of your purchases! Its valuable customer data and their buying habits. You want me to not use Apple Pay. then Target you gotta pay me (discounts).

Their app only supports the REDcard, which I presume costs them less to run than a regular debit or credit card. It's why they offer 5% back on Target purchases using it.
 
Comment

CrystalQuest76

Suspended
Dec 14, 2015
640
717
West Cost A Lot
Yeah! Good idea Target! Let's just make more apps and make things even more complicated for the customers. Let's just download an app for each store we shop at so that we can use their version of mobile payment instead of just using one universal method.
I wish companies would get it through their heads that we should STANDARDIZE stuff like this and let EVERYONE use it. Imagine if USB were exclusive to Apple or having to buy a samsung video player to play samsung discs instead of blu-ray. Imagine if each company had it's own movie format? Oh, I want a certain movie, but it's not available for my specific device... darn.
Target's executives have the goal of increasing the profits for the company and increase the bonuses they take home for themselves. They do not have any incentive to increase the convenience for a small group of tech oriented customers. Their profits do not increase from transactions that occur with the use of Apple Pay.
 
Comment
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.