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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.

I am not lumping anything into the same boat and not sure where the hell you got that from. I am just saying it would be nice if your phone and whatever payment system your phone uses would work in all stores, including Walmart. Until that happens you still need your wallet as right now your phone does not work in all stores. I don't know why Walmart just didn't go straight NFC so it would work with Apple Pay, Android Pay or whatever without having to download their Walmart app.
 
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I am just saying it would be nice if your phone and whatever payment system your phone uses would work in all stores, including Walmart. Until that happens you still need your wallet as right now your phone does not work in all stores.
To rectify this situation, have patience and complain to your merchant!**

** the situation should be better by the end of this year and much better by the end of 2017 when the gas stations have committed to be on line to accept chipped cards (and with those POS upgrades, NFC capability comes along for the ride - as long as a merchant doesn't actively block it.)
 
My wife and I are finally at a point in our life where we take a small financial hit just to avoid Wal-Mart. For instance, we get free delivery of groceries from Hy-Vee if we spend at least $100 online (it's delivered from our local store, so it's not limited at all). Little pricier, but I think it makes up for the time and gas spent taking a trip to the store (not to mention the headache). For staple items bought in bulk, Amazon subscribe and save is a great option, giving a 15% discount. We get lots of diapers, wipes, toilet paper, paper towels, toothpaste, soap, seasonings and canned food through it. I get a further 3% cash back with the Amazon rewards card I pay off every month. For most everything else, we go to Target.

I think Wal-Mart is a horrible company. I knew people who worked there and heard all kinds of horror stories. I boycotted them for a couple years in college, and it was hard to do as a struggling college student. Eventually I gave in, but luckily I'm free again. What probably helped push us was how crap the store is by our house. It's always so dirty inside—piles of inventory on palettes everywhere blocking paths, overcrowded with lots of crude people cursing loudly in public—often at their clinically obese children. It has really turned into a massive crap-hole.
 
Lots of things you don't know. I'm in Switzerland, but my family is solidly in a he USA

That's funny because you clearly stated "Our family "market decision" is to stick with Costco" which clearly intimated that you shopped Costco in Switzerland.
 
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Guess I'm confused... How can they not accept Apple Pay, Android Pay, etc.? All retailers, by regulation, will have to support chip reader card scanners by the end of this year (which also means NFC capable). The contracts for Apple/Android /Other pay systems are with the card issuers (banks). Also by contract, retailers have to support the technology required by the card issuers. So how does this not work?

For example, I have a Chase VISA card. It works with Apple Pay. Walmart accepts Chase VISA cards. Therefore, my Chase card in my iPhone "wallet" should work just fine whether Walmart likes it or not.
 
I'm sure Walmart Pay will get a honorable mention in a bracket of a long paragraph about the evolution of payment methods in history books sometime down the road.
Of course the context will be "failed experiments".

It's not like I want Apple Pay to stay uncontested and become a monopoly for its kind of payment method, but I don't think store-specific methods are anything any consumer really wants if history is an indicator.

Glassed Silver:mac
 
How is "opening the Walmart app, selecting Walmart Pay, activating the camera, scanning the code displayed at the register" faster than Apple Pay? I will stick with using the chip in my card...

Apple Pay is the fastest way to pay for anything. I will not only continue to use my card whenever I'm at a Walmart, but I will specifically use my Amex (which costs them the most).
 
walmart in Europe bankrupted, but when I visited one of the big shops in US, I was quite impressed. I was just staring at people what crap they buy and how fat they are. I assume Walmart is something like a Lidl and Aldi in Europe of course we do not have such a Mega markets. I bet Black Friday shopping will be faster now :D
 
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'm pretty confident they can glean this kind of information from sources other than simply your bank / payment transaction.
 
Faster? I'm in Texas and have tried it repeatedly. It's about three times slower than writing a check by hand. The first week the checkers and managers didn't know how to press the Walmart Pay Button on the register so the first few times I actually had to pay with a credit card after about 20 minutes of waiting for all the managers to come over and try to get it to work. The guy behind me said "there are too many ways to pay" and got in another line. This system is DOA.

OMG what's wrong with you people. The poster was being SARCASTIC
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It was sarcasm
 
My wife and I are finally at a point in our life where we take a small financial hit just to avoid Wal-Mart. For instance, we get free delivery of groceries from Hy-Vee if we spend at least $100 online (it's delivered from our local store, so it's not limited at all). Little pricier, but I think it makes up for the time and gas spent taking a trip to the store (not to mention the headache). For staple items bought in bulk, Amazon subscribe and save is a great option, giving a 15% discount. We get lots of diapers, wipes, toilet paper, paper towels, toothpaste, soap, seasonings and canned food through it. I get a further 3% cash back with the Amazon rewards card I pay off every month. For most everything else, we go to Target.

I think Wal-Mart is a horrible company. I knew people who worked there and heard all kinds of horror stories. I boycotted them for a couple years in college, and it was hard to do as a struggling college student. Eventually I gave in, but luckily I'm free again. What probably helped push us was how crap the store is by our house. It's always so dirty inside—piles of inventory on palettes everywhere blocking paths, overcrowded with lots of crude people cursing loudly in public—often at their clinically obese children. It has really turned into a massive crap-hole.

Ya nowadays you can get pretty much anything threw Amazon and have it delivered to your door in a couple days. I have used them several times and have never had a problem. But Walmart does carry almost anything as well and is fast. Just wish they would allow you to use Apple Pay. Maybe one day.
 
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The other factor when talking about Walmart and Target....generally speaking, they are all about logistical efficiency. Point being that if Walmart has rolled out something clunky that causes already long check out times to get worse, you can bet on it being improved quickly and dramatically, or being scrapped. Neither will allow something that slows down the checkout process significantly to hang around long.

If the above (in bold) was true, they would have replaced their Cashiers and Customer Service Personnel a long time ago.
 
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Our family "market decision" is to stick with Costco.

Their new Costco Citibank Visa card easily went into Apple Pay, shows up in our Citibank credit card online account. Now all that remains is for Costco to activate their NFC POS terminals.

Walmart keeps doing douchy dumb greedy things to make us avoid them.


Never had a single problem using Samsung pay at walmart. In fact, used it everywhere where apple pay and android pay not accepted. This is absolutely cult behavior - all worked up because a store you'd never shop at anyway doesn't accept apple pay. Ridiculous how we were shopping everywhere apple pay was never accepted.

I've been using samsung pay at costco as well - but it's just stupid because they require you hand them your card and if I have to do that I might as well just use the card itself. Samsung pay rocks.

And last but not least I don't get all the consumer getting all worked up over a payment system. Just because we are in 2016 doesn't mean everything has to be apple pay this or apple pay that. Just use cash or a credit card. No it's too slow. No I don't want to it's not safe. No I don't care what walmart says because i won't shop there until they heed to my requirements. Good grief, tech nerd tantrums!
 
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The other factor when talking about Walmart and Target....generally speaking, they are all about logistical efficiency. Point being that if Walmart has rolled out something clunky that causes already long check out times to get worse, you can bet on it being improved quickly and dramatically, or being scrapped. Neither will allow something that slows down the checkout process significantly to hang around long.
So why are there 15 checkout aisles and 3 open with long lines now?
 
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Asda is owned by Walmart!! They are very much alive and kicking in Europe.

walmart in Europe bankrupted, but when I visited one of the big shops in US, I was quite impressed. I was just staring at people what crap they buy and how fat they are. I assume Walmart is something like a Lidl and Aldi in Europe of course we do not have such a Mega markets. I bet Black Friday shopping will be faster now :D
 
Tap & Go for years, here in Canada - I'd hardly call it slow - in fact, sometimes finding the Apple Pay "sweet spot" can be slower.
I meant in the US. We still believe in inserting the physical chip into the reader because apparently contactless is too scary (thank you mass hysteria). So contactless terminals are mostly there to only facilitate Apple/Samsung/Android/* Pay. Our credit and debit cards have chips but no contactless with the exception of a few credit cards :(
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Asda is owned by Walmart!! They are very much alive and kicking in Europe.
Exactly. How can nobody notice the Walmart star on asda's new logo and the "save money live better"??
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Never had a single problem using Samsung pay at walmart. In fact, used it everywhere where apple pay and android pay not accepted. This is absolutely cult behavior - all worked up because a store you'd never shop at anyway doesn't accept apple pay. Ridiculous how we were shopping everywhere apple pay was never accepted.

I've been using samsung pay at costco as well - but it's just stupid because they require you hand them your card and if I have to do that I might as well just use the card itself. Samsung pay rocks.

And last but not least I don't get all the consumer getting all worked up over a payment system. Just because we are in 2016 doesn't mean everything has to be apple pay this or apple pay that. Just use cash or a credit card. No it's too slow. No I don't want to it's not safe. No I don't care what walmart says because i won't shop there until they heed to my requirements. Good grief, tech nerd tantrums!
I never had to hand the card at Costco. They have Verifone terminals facing you.
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walmart in Europe bankrupted, but when I visited one of the big shops in US, I was quite impressed. I was just staring at people what crap they buy and how fat they are. I assume Walmart is something like a Lidl and Aldi in Europe of course we do not have such a Mega markets. I bet Black Friday shopping will be faster now :D
No. How do you not notice the Walmart star on Asda's logo, and the save money live better slogan? It is obvious that it's Walmart.
 
That's funny because you clearly stated "Our family "market decision" is to stick with Costco" which clearly intimated that you shopped Costco in Switzerland.

Only to folks who are adept at finding intimated statements where they don't exist due to trying to triangulate using two data points.
 
I meant in the US. We still believe in inserting the physical chip into the reader because apparently contactless is too scary (thank you mass hysteria). So contactless terminals are mostly there to only facilitate Apple/Samsung/Android/* Pay. Our credit and debit cards have chips but no contactless with the exception of a few credit cards :(.

Honestly, that might have been overblown. I remember using contactless once with my AmEx years ago (ironically at CVS), thinking it was neat and then forgetting about it. I imagine I'm not alone there.
 
I never had to hand the card at Costco. They have Verifone terminals facing you.

I guess you aren't elite enough to have your former amex/costco membership on the same card...and I don't mean the verifone POS terminals with NFC. I meant samsung pay MST to the rescue.
 
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