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Walmart, like Google and Target, live off data. They are all very good at data analysis. Using Apple Pay initially was a significant problem for them since the transaction is tokenized, meaning that it would be very difficult to connect the transactions together to understand shopper behavior. Apple has addressed this by allowing loyalty cards, but clearly Walmart believes it can do better on its own. Personally, I hate the QR code apps including Starbucks. I like my Apple Pay and don't think I will ever use the Walmart, Target, Starbucks, or any other QR App. Hopefully I am not alone and these companies will realize that QR codes are passe and convert over at some point down the road.
Starbucks now accepts true Apple Pay via NFC. It's a nice upgrade/move forward. It was the only QR code pay system I've ever (or will ever) use. Walmart can continue to get hit for 3% on my transactions until they adopt Apple Pay.
 
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Although it's been a little slower rollout than expected, I am regularly using ApplePay at:
  • Walgreen
  • Lowes Foods
  • Fresh Market
  • Jimmy John's
  • Office Depot
  • Best Buy
  • Advance Auto Parts
  • vending machines at work
It looks like Chipotle is starting to use it, maybe? I saw a new .))) icon on their cash register.

In other words, Wal-mart is not relevant for me. I avoid that place like the plague.

If they ignore ApplePay, they may have the same fate as MCX.
 
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Starbucks now accepts true Apple Pay via NFC. It's a nice upgrade/move forward. It was the only QR code pay system I've ever (or will ever) use. Walmart can continue to get hit for 3% on my transactions until they adopt Apple Pay.
Really? I thought Apple Pay only worked within the Starbuck's App. When did this happen? I will have to go and check this out, not that I go to Starbucks that much anymore (I bought an illy machine and now make better coffee at home).
 
I definitely prefer ApplePay, but 2 things going for Walmart Pay:
- electronic receipts instead of paper...tree-huggers will love that.
- receipts automatically submitted to Walmart Savings Catcher (where available)...might as well scan the QR on the terminal if you'd have to scan the QR on the paper receipt later anyway, so a time-saver overall.

My supermarket has a loyalty points program.

I don't mind them knowing what I buy (I know they can use this to try and manipulate my choices with targeted coupons; so what.)

I pay with Apple Pay and with the loyalty program I have the choice to receive off receipts by email.

I find its a nice trade off.
 
I can't wait to try Apple Pay in my country. Why wouldn't some businesses accept it? I understand the data collection part but other than that, I don't get why create more than one standard (or two, for the Android folks). Can anyone enlighten me please? Thanks.
 
Does anyone use this turd?

The Walmart app itself is used by more than 20 million people.

Apple Pay adoption is less than 5% of compatible iPhone users, and of course that's only in countries where it's accepted. Without China, that's probably 5 million users?

I know the knee jerk MR reaction is to bash Walmart.

But I get what Walmart and Target are doing. Tracking consumer data is really important to them. They are going to pursue alternative electronic payments that try to let them do this while still being secure...the market will ultimately decide what's best.

More importantly, the number one reason surveys show why people would be willing to adopt mobile payments at all, is to get loyalty rewards. (Heck, anyone who doesn't take advantage of loyalty programs, is just throwing money away.)

Other than Starbucks, consumers have been hesitant to embrace the idea of loading an app with a QR code as a regular method of payment.

Playing devil's advocate here...

People also have no problem using QR codes for airline boarding passes and other tickets.

The great advantage is, of course, that QR apps can work on virtually any smart or dumb phone. Device specific payment apps are inherently limited in availability and adoption.

Target should be ashamed. They've already suffered a breach that compromised cards for many customers. An appropriate response to that should have been to run in the direction of Apple Pay as fast as they could.

Or, at the least, make use of third party secure token storage services themselves, so their own Target servers only store tokens.
 



Walmart has announced that its mobile payments solution Walmart Pay is now available in fifteen additional U.S. states, including Alabama, Georgia, Indiana, Iowa, Kentucky, Louisiana, Michigan, Mississippi, Nebraska, North Carolina, North Dakota, South Carolina, South Dakota, Tennessee, and Virginia.

Walmart-Pay-ss.jpg

Walmart Pay is built into the Walmart app [Direct Link] for iOS and Android and works at any checkout lane with any major credit, debit, pre-paid, or Walmart gift card.

The payments solution is based upon a QR code checkout process that involves opening the Walmart app, selecting Walmart Pay, activating the camera, scanning the code displayed at the register, and waiting for the cashier to finish bagging your items. An electronic receipt is automatically sent to the app.


Walmart Pay's widespread adoption at some 1,500 stores in fifteen more states, following statewide launches in Arkansas and Texas last month, further suggests that Walmart will not be adopting Apple Pay for at least the foreseeable future. Walmart Pay's nationwide rollout is expected to be completed in 2016.

The word in late 2015 from Walmart senior vice president of services Daniel Eckert was that Walmart Pay allows "for integration of other mobile wallets in the future," providing at least some hope that the retailer may eventually accept rival payment services such as Apple Pay, Android Pay, and Samsung Pay at its stores.

Walmart is among a handful of retailers that have refused to support Apple Pay since its American launch in October 2014. The retailer was originally committed to the Merchant Customer Exchange (MCX) consortium and its now indefinitely postponed payments service CurrentC before launching Walmart Pay.

Walmart's resistance to Apple Pay persists even as other former holdouts such as Best Buy and Rite Aid have reversed course and begun accepting the iPhone-based payments service at their U.S. stores. Walmart rival Target, meanwhile, is developing a QR code-based mobile wallet solution of its own.

The Walmart app [Direct Link] is free on the App Store for iPhone and Apple Watch.

Article Link: Apple Pay Holdout Walmart Expands 'Walmart Pay' to 15 More States
They don't have tap option on their debit machine's
[doublepost=1466691654][/doublepost]They don't have a tap option on their machine's
 
I suspect the holdout has something to do with the transactional cost of Apple Pay. In Canada, Walmart refuses VISA because of the higher rates compared to MasterCard, which Walmart will begin accepting exclusively.
 
Wow, that is a fantastic ad. Many creative teams across the tech world could learn a lot from this ad. Not endorsing WM, just the ad.
 
I find it hilarious that some here are 'suggesting' that if one doesn't use Walmart's App, that Walmart doesn't gather consumer data on people making purchases from them.

I may be misreading, but the suggestion is that using ApplePay (specifically) does not permit companies to link multiple transactions together to answer questions such as "when customer buys product X and Y, what else do they purchase?" This kind of analysis is possible with virtually all card-based transactions EXCEPT ApplePay... and perhaps Samsung Pay (?).
 
I've been to a Walmart, you wouldn't want to be flashing an expensive phone around there anyway.

People still believe this nonsense, that Walmart shoppers are the poorest, lowest segment of the population? Surprise, many of the people there can be seen with smartphones of their own. Not to mention that you can easily buy them in the store.
 
UK's biggest supermarket Tesco is still to roll out 'apple pay' outside London, very strange, I go to Lidl now who do accept 'apple pay'.

I can't speak for all Tesco stores, but I've been paying using Apple Pay at them outside of London for some time.
 
I haven't used it, but I believe there are three hoops that one needs to jump through just to buy anything. That doesn't sound smart to me.

They are not called Wal-Smart!

Plus, if you want to buy beer they have set the "permission" age at over 40.
Now some cashier is supposed to estimate how old you are and ask for an ID.

I am clearly visibly older than 40 and was still asked for proof of age.

Even after that, they want to put your birth date into their register.

So, no beer or alcohol buying at Walmart.

They also tried for a while to cut out all credit card companies for Sams Club.
Maybe it helped negotiating better rates, but now they take any money any way you want to give it.

Except Apple Pay, which they eventually will.
 
Well, I will hand it to Walmart that they have managed to expand their payment solution in a matter of a few weeks and it took CurrentC years and they never made it out of a beta test in Columbus, Ohio.

Walmart Pay might gain some traction just because of the presence Walmart has in retail, but I just can't see the vast majority of Walmart shoppers using this. I can't stand the store, personally; and I avoid going there unless I have no other choice.

The vast majority of Walmart employees that I've encountered especially over the past five or six years seem to hate their jobs and they make little/no attempt to hide that fact. The last several times I've gone into a Walmart, I've nearly been run over multiple times by customers pushing their carts around like they're training for NASCAR or by kids who are running all over the store while their parents are busy training for NASCAR. It's insane.
 
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If you look at the club card app, https://itunes.apple.com/gb/app/tesco-clubcard/id351841850?mt=8 they seem to be going with 'payqwiq' as a payment method which I assume is something like the walmart system.

Shame, wasting so much money on soon to fail method of payment.

Hi
Tesco do offer 'contactless payment' & 'apple pay' but not in any Tesco's or their 'One Stop' shops near to where I live.
I'm sure they plan to roll 'apple pay' out nationwide but they are far far too slow for the #1 supermarket.
 
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