Less Convenient and Less Secure... in what way is using this better than using a credit card, nevermind Apple Pay?
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Apple Pay Holdout Walmart Expands 'Walmart Pay' to 16 More States
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The main reason it only works at Starbucks is because of their reward program, but you're right. Other than Starbucks they just don't make sense. And even then, I think the system there will change as well so you can still get credit using Apple Pay.
Huh??
Wal-Mart is planning on dropping Visa, but where do you get that they're accepting MasterCard exclusively?! They still will continue to accept American Express and Discover.
I may be wrong on this anyway (I don't really care one way or the other because I rarely ever shop there), but I think they're doing this as a way to get a lower rate from Visa. I suspect they won't actually drop them.
I get that, but could they not just figure out a way to accept Apple Pay and do both? Maybe Apple Pay within the app like some online retailers are now doing. I know you would still have to open/use the Wal-Mart app, but it would keep the customer from having to use another form of payment.
I used it at BJ Wholesale when I forgot my wallet. very quick and easy from the lock screen.
This has been available at my nearby Walmart in Oklahoma for several weeks. While I would much prefer to use ApplePay, using the Walmart-specific option really hasn't been a hassle. We regularly use the Savings Catcher app at Walmart (which checks nearby retailers for lower prices and reimburses you if a lower price is found). So I already have the app open in order to scan the receipt. Walmart Pay is definitely quicker than waiting on our chip-enabled credit card, and as a bonus, I don't have to fight with trying to scan in my receipt afterwards for the Savings Catcher benefit. It automatically transfer the receipt info to the Savings Catcher app. Plus, all the reimbursed savings are transferred electronically onto an e-gift card, which I have set up to be used first before my credit card. So it makes it much easier to use the gift card money...which I always tend to forget about when I'm standing in line.
Oh, and we always go through the self-check lanes, which means I'm never waiting on the cashier to finish bagging my items.
Oh, and we always go through the self-check lanes, which means I'm never waiting on the cashier to finish bagging my items.
I salute and thank you, Walmart. You continue to give me good reasons not to shop in your stores.
Thinking the money would have been better spent to just accept Apple Pay, and then create a loyalty program (that goes in Apple Wallet) to get the customer/market data they want.
Hence the S . L . O . W adoption rate by merchants in the US. I've only had one Transaction Denied (tried twice on different terminals) here in Canada, and strangely it was at a large grocery retailer in W. Canada - ended up using the physical CC to Tap & Go with no problems.
But as a consumer, I don't want 10 different payment methods, one for every store.
Contactless seems to be installed and (capable of ) working, just turned off by policy. Contactless was temporarily switched on by accident when Barclaycard did some back-end work on the system a few weeks ago in the store where my SWMBO works, there was a mad rush by management to get it turned off again.
The infrastructure seems to be in place, just policy stopping it from happening.
Copy/pasted from my last time posting about this. Here's my First hand experience using it
*******
Yes, you have to download the Walmart mobile app. You may not already have it installed, but millions do.
You then load a credit/debit card into the account. It does NOT have to be a checking account/ACH like MCX was intended.
I set a passcode but then it let me opt into using TouchID instead of the passcode which I chose.
When checking out, a QR code appeared part-way through the transaction on the pinpad screen. I opened my app, clicked "Walmart Pay" on the home screen, and then thumbprinted my way in. Two clicks and a thumb press. Not TOO crazy.
Scanned the QR code on the screen, then it linked my account to that transaction, and it was done. Really simple actually. The receipt showed up as a push notification almost immediately, and then was in my app. Pulling it up actually showed each individual item including thumbnails for each item (which I found impressive). I could also submit it with a single button press to the savings catcher program. They really did make it easy.
Few notes:
* The cashier had no idea what happened. Was confused, but seemed to trust me when I said "I just paid for it on here". I assume something on their screen showed them the balance was now $0.
* There was no printed receipt. This is different from Apple Pay in that you get all the same receipts typically since it's just a 'temporary' credit card, and the POS has no care that it was not a physical credit card in determining how to finish it off. This could pose an issue for locations who like to check receipts on the way out. It also confused the cashier as it was that awkward "so, we're done here?" without the receipt handoff.
All in all, pretty decent experience. Knowing that Walmart is not targeting the high-tech, Apple-product spending audience most of the time, opening it up to other methods that will work with basically any phone with a camera (so 99% of them), this is good for them, and honestly really well done for what it is.
And it took an unlock, 2 clicks, and a thumb-ID. Not too much more than Apple Pay.
*******
Yes, you have to download the Walmart mobile app. You may not already have it installed, but millions do.
You then load a credit/debit card into the account. It does NOT have to be a checking account/ACH like MCX was intended.
I set a passcode but then it let me opt into using TouchID instead of the passcode which I chose.
When checking out, a QR code appeared part-way through the transaction on the pinpad screen. I opened my app, clicked "Walmart Pay" on the home screen, and then thumbprinted my way in. Two clicks and a thumb press. Not TOO crazy.
Scanned the QR code on the screen, then it linked my account to that transaction, and it was done. Really simple actually. The receipt showed up as a push notification almost immediately, and then was in my app. Pulling it up actually showed each individual item including thumbnails for each item (which I found impressive). I could also submit it with a single button press to the savings catcher program. They really did make it easy.
Few notes:
* The cashier had no idea what happened. Was confused, but seemed to trust me when I said "I just paid for it on here". I assume something on their screen showed them the balance was now $0.
* There was no printed receipt. This is different from Apple Pay in that you get all the same receipts typically since it's just a 'temporary' credit card, and the POS has no care that it was not a physical credit card in determining how to finish it off. This could pose an issue for locations who like to check receipts on the way out. It also confused the cashier as it was that awkward "so, we're done here?" without the receipt handoff.
All in all, pretty decent experience. Knowing that Walmart is not targeting the high-tech, Apple-product spending audience most of the time, opening it up to other methods that will work with basically any phone with a camera (so 99% of them), this is good for them, and honestly really well done for what it is.
And it took an unlock, 2 clicks, and a thumb-ID. Not too much more than Apple Pay.
Also to keep in mind - your typical Walmart demographic is not going to be as many NFC-enabled device owners. QR systems make this usable by pretty much anything including android burners.
That's why my single Tap & Go Visa card has worked so, so well for me - I'm now using Apple Pay BUT it's really no better than the physical card.
Can we stop suggesting that stores need to roll out Apple Pay? All they need to do is start accepting tap technology, it has nothing to do with Apple Pay.
I have been using Apple Pay in Canada at various stores that don't advertise Apple Pay, but it's because almost every store in Canada accepts tap.
I have been using Apple Pay in Canada at various stores that don't advertise Apple Pay, but it's because almost every store in Canada accepts tap.
Well, Davelfc claims he's trained to kill. So you may not want to object to his quote too strongly.
There is nothing better than paying with my Apple Watch. I love it. It's so fast and convenient. I wish I could do it everywhere. Wal Mart needs to give up and go with the flow.
I wonder why they're bothering creating an entire app. If they're going to be their own payment processor, why not just issue "Walmart Accounts" and then issue "Walmart Debit" cards that can be added to Apple Pay?
Everyone's happy. Walmart gets lower transaction costs, consumers don't have to use a weird qr code thing.
Everyone's happy. Walmart gets lower transaction costs, consumers don't have to use a weird qr code thing.
One difference is that in the UK, "Apple Pay" is mostly equivalent to "contactless card", so they don't accept contactless cards either. Same with Sainsbury's at least where I work, which is inconvenient whether you use Apple Pay or not.
In the USA, some companies have apparently actively disabled Apple Pay.
They want customer data, which is understandable given what they do.
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Rite aide and CVS did but they are now activated again.
Tesco's Bank are an 'apple pay' backer!
http://www.tescobank.com/support/apple-pay.html
on that link it says 'where can I use apple pay' (well not most Tesco stores!) what you have said, that contactless is in place it all beggars belief!
Not sure about all those "savings" - Walmart would have to open it's own CC and DC clearing centres, and there's a cost to that.