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Apple Pay Holdout Walmart Expands 'Walmart Pay' to 16 More States
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Do you carry your wallet in your hand at all times? Because if not there should be a "take out wallet" step....You don't need to unlock your phone to use Apple Pay....I don't know what your experiences have been like, but Apple Pay has worked for me 100% of the time when used at a terminal that accepts it....Some retailers require PINs, some don't....Your final step in Apple Pay should read "Perform secure transaction that doesn't expose your data".
Apple Pay is easily the most superior way to pay for anything, and that includes fiddling with cash carrying a bunch of coins your pocket.
Does one really have to put a "/s" on for people to get obvious sarcasm?
Sure, people will shift their spending method towards credit cards with reward programs, which is what that paper was about.
For example, I, and many others here, put almost our payments (purchases, bills, even mortgages) on reward cards (that we pay off each month). You put six figures of purchases on a card each year, and the rewards can be quite nice.
However, I was talking about store loyalty programs. We all have to buy groceries and go to the pharmacy, etc. Saving many hundreds of dollars a year, is nothing to sneeze at.
Dunno. Does Apple Pay or iTunes show how much of its purchases are done by kids still living in their parent's basement, while using their parent's Apple Id or credit cards? /s
A primary reason banks are willing to pay Apple, is that Apple Pay does not hide the user identity, store name, type, location and purchase category from the bank.
This gives banks more personal info than the store does, which allows the banks to sell both aggregate data and even make use of personal data. The secret sauce are all the "affiliated" companies that banks have. The bank itself, like Apple, sells nothing. But the affiliated companies do.
For example, they'll send out targeted coupons at a merchant's request. If/when someone actually uses that coded coupon, the bank gets a hefty royalty.
More importantly, as far as life effects go, the banks use our purchase data to constantly evaluate our credit risk. As I've pointed many times before, visiting a divorce lawyer on Google simply gets you more lawyer ads. But paying him with your credit card will set off all sorts of internal warnings about possible future debit.
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From Apple Website --
Although the DAN is consistent the security code is not. My assumption is that they are concatenated making it look unique each time, but I guess that the vendor could figure out how to separate the two. So I guess they really could figure this out without resorting to their QR code App.
Nothing wrong with this. Apple got a taste of its own medicine thanks to flowed business model of walled gardens.
I thought the whole point of these payment "alternatives" was to get rid of the % fees from the credit card companies.
Now it's to collect data?
I wish there was just one universal payment process that worked more matter where you go. There needs to be one system that works on all phones and in all stores instead of having Apple Pay, Android Pay, Walmart Pay, etc. Until that happens you still need to carry a wallet because half or more of the places you go your phone will not work.
The surrounding purchase-specific cryptograms do change each time. Think roughly dynamic CVV.
However, the DAN (token account number) is always the same on each device. It's not a secret number, since it's sent each time and the merchant can of course read it.
If it changed, they'd run out of token numbers rather quickly. More importantly, the number has to stay the same so that consumers can do purchase returns using the same device.
So, come to think of it, if you ever used a loyalty card while paying with Apple Pay, the merchant probably already has you associated with the DAN
. Maybe even sold that connection so that other merchants will also know it.People who want anonymity should be using cash anyway. And never shopping at the same place twice, so nobody can recognize them.
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That's like saying there should be one currency worldwide. Or one credit card that works everywhere. Maybe one day, but probably not within our lifetimes ...
So, come to think of it, if you ever used a loyalty card while paying with Apple Pay, the merchant probably already has you associated with the DAN
So, leads me to wonder - if I delete my CC card from Apple Wallet (say I had to do Erase Content and Settings, for whatever the reason) and then go back through the set-up, would I receive a new DAN from my bank?
Apple Pay is not a new protocol, it simply emulates a contactless card and therefore information is passed to a terminal in a standardised format.
The DAN is the card number (although different from your card's actual number).
The 'dynamic security code' is simply the transaction cryptogram (for EMV mode) or the dynamic card verification value and possibly some additional discretionary data (for mag-stripe mode).
The DAN remains constant for each transaction. However, the number is device specific, so the same card on your iPhone and your watch will have different DANs. Also, if you delete the card and re-add it, or have to totally restore your phone, you will get a different DAN.
Apple Pay also does not transmit cardholder names, however most contactless cards these days do not transmit names either.
So, what you're saying is that everything with the bank stays the exact way it was before Apple Pay.
I have no issue whatsoever with my bank having the transaction information, because banks have shown the ability and commitment to protect their data systems. Whereas retail merchants have shown the propensity time and again to be vulnerable to hacks. There was a grocery store in the my city recently that had a skimmer on their credit card readers for a month without noticing it. Frankly, I have gotten to the point where I don't even want to give my credit card to a clerk or waitstaff who takes it out of my sight.
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Enabling NFC (touchless) payments on a terminal will allow Apple Pay, Android Pay and Samsung Pay to all work seamlessly. It's as simple as that.
Walmart Pay forces the consumer to download a Walmart specific app, and will only work at Walmart. Please don't lump the other, frictionless payment systems into the same boat as this kluge.
They also forgot the step of people waiting till the total number is shown on register, before they open their purse, dig through a pile of junk, takes it out, wander aimlessly at finding the app, opening it, asking the cashier, placing the camera too close to code, then scans.
As a Walmart associate, I can say it's not too bad. I like the fact that my discount card is attached to my walmart account so when I scan the QR code it takes my discount off automatically. While I wish we would support AP, it's not too bad...better than I expected.
You conveniently skipped a step ... Apple Watch Pay: Reach out hand > Press button > done
Right. There is really nothing special about a smartphone unless you're talking about the $22,000 Vertu phone. Many people I see at Walmart own an iPhone 6 or 6S.
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or
Reach out hand while pressing the button (requires a little bit of training) > done
ApplePay around me has actually gotten widespread enough where I use it on a daily basis. In addition to the places you listed, I also have been using it at Meijer, Petco, Subway, Tim Hortons, American Eagle, and and a local coffee shop that has the Square NFC terminal.
These combined make up for over 90% of my shopping, so I'm actually using Apple Pay more than traditional cards. Now if we can just get Target and more restaurants onboard, I could probably use ApplePay for 100% of the places I frequent.
Who even shops at walmart.... How can you stand the customers that shop there? It's so bad, there isn't one allowed within San Francisco. Let them expand, but it won't ever overtake apple pay... how about a post of Apple Pay in Target (the lesser of two evils)...?
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