Please do not use Apple Pay as a synonym for contactless, as it isn't even true. E.g. Tesco does accept contactless in London, but they do not accept Apple Pay for all cards (Visa/MC only, no Amex - but they DO take Amex contactless, they only refuse Amex Apple Pay - I think the reason is because Apple Pay goes online and their terminals don't have that ability for Amex contactless).
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Apple Pay Holdout Walmart Expands 'Walmart Pay' to 16 More States
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Please do not use Apple Pay as a synonym for contactless, as it isn't even true. E.g. Tesco does accept contactless in London, but they do not accept Apple Pay for all cards (Visa/MC only, no Amex - but they DO take Amex contactless, they only refuse Amex Apple Pay - I think the reason is because Apple Pay goes online and their terminals don't have that ability for Amex contactless).
With the argument between Walmart Canada and Visa I doubt that Walmart will want to accept any payment method that costs even a fraction of a percent more than necessary, thus I find it unlikely walmart will accept Pay anytime soon.
It's not 3% on every transaction. Most people who shop at Walmart probably don't even qualify for a credit card. Most debit card transaction fees are capped at 1%+10 cents or around there. American Express probably gives Walmart a discount when people pay with their Bluebird debit/prepaid cards.
Walmart will never win the battle against the card networks, the card networks would stick together and hammer Walmart until Walmart eventually goes out of business.
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Walmart has some of the slowest cashiers in the nation. I just find it funny how you said that.
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You have no clue what you're talking about.
First, the liability shift for merchants (aside from gas pumps) was last October, not this October coming up.
Second, the liability shift for ATM's is in October 2016, while the gas pump shift is in 2017.
EMV and NFC aren't connected in any way when it comes to the liability shift, yet.
Yeah....I meant the process and not so much the caliber of the people behind the registers...should have worded that differently maybe
A lot of the time it's not even the customer's choice to run the card over the debit or V/MC network. Many terminals are not even consumer facing, so credit is the default.
But neither Walmart nor any other retailer pays even a fraction of a percent more to accept ApplePay.
SPEAKING OF HOLDOUTS - why can't I use Apple Pay to make a purchase in the Canadian Apple Store App?
Shouldn't Apple be setting the tone and pace and allowing Apple Pay through their own store app ... it was for a $50.00 purchase and the online Apple Store wanted my CC info ... sheesh.
Shouldn't Apple be setting the tone and pace and allowing Apple Pay through their own store app ... it was for a $50.00 purchase and the online Apple Store wanted my CC info ... sheesh.
Not directly, but indirectly.
Because of the loss of purchase data that is directly associated with a cardholder name (and thus address etc), merchants now have to get that info via the banks' third party affiliates... or more likely, buy anonymous access to their consumers, the same way that ads for Google or Apple iAds work.
This is a big reason why banks were willing to give Apple a piece of the pie. They stood to make a lot of money by continuing to get such associative info, while the merchants did not. Basically, Apple was selling access to its customers to the banks. Yes, we are the product
(No, it wasn't about less in-person fraud. EMV took care of that, and fraud rates were cheaper than Apple's demand anyway. Nor was it about tokenization to stop merchant leaks. Apple didn't do that. The card schemes and banks control the payment code.)
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This is also 100% applicable to Apple. How many times have Apple customers suffered because Apple has pushed for something that benefits only to them but not the customers.
Agreed. Walmart may be 'all about' logistical efficiency in the procurement areas, but their checkout and returns experience has got to be some of the worst in the industry. It's not (necessarily) the fault of the employees though. When you pay minimum wage and hire bottom-of-the-barrel people... you get exactly what you pay for.
It's this snobbery that has turned many away from Apple in recent times.
The faithful will bristle, get defensive and brag how wealthy Apple is... But the fact is there's plenty of business for everyone. Nothing stays the same, so Apple devotees better enjoy gloating while they can. They're going to be lost souls when Apple iPhone sales eventually slide into a long decline.
Tried to find the answer to this question, but couldn't: Does Walmart Pay use your Internet connection?
I believe the answer is yes, and this just puts another nail in the coffin IMO. My local Walmart has horrible mobile data coverage and no wi-fi (do any Walmarts even have wi-fi?). Even if I did have wi-fi or mobile data coverage, I'm still depending on the reliability and speed of the network I'm connected to. I can see myself waiting for my phone to connect/download/communicate while getting angry looks from other customers and the cashier.
As a side note: I used Apple Pay at my dentist's office the other day. Pretty cool!
I believe the answer is yes, and this just puts another nail in the coffin IMO. My local Walmart has horrible mobile data coverage and no wi-fi (do any Walmarts even have wi-fi?). Even if I did have wi-fi or mobile data coverage, I'm still depending on the reliability and speed of the network I'm connected to. I can see myself waiting for my phone to connect/download/communicate while getting angry looks from other customers and the cashier.
As a side note: I used Apple Pay at my dentist's office the other day. Pretty cool!
Yes it does need a data connection. I actually had trouble using it in a store in Wisconsin that had poor cell reception and no wifi. I was trying to show WalMart Pay to my sister. The only good part was that she got impatient and paid instead!