It's not so much that I care whether Walmart knows what I purchase, rather than what else they do with that Data, or even how secure their servers are.
It's a trust issue, and at the moment I trust Apple more than Walmart.
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Apple Pay Holdout Walmart to Launch QR Code-Based 'Chase Pay' Next Year
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It's a trust issue, and at the moment I trust Apple more than Walmart.
I don't think you know but having to use the QR code is Apple's fault. App developers can't use the NFC in iphones but can in Android devices. App developers aren't going to create two digital payment methods (one using QR code and one using NFC) but want to make one, to keep it simple for the user, therefore they have to make it usable by the lowest common denominator. That's why they are using QR codes.
It's like having wifi in your phone but only Apple apps can use it, other apps can only use Bluetooth. And people are OK with that.
It's called Magnetic Secure Transmission (MST). I thought I read somewhere that Samsung bought the company that made it, but I could be wrong.
I will say, it's great. I used it with my Note 5 before I got rid of it.
Honestly I avoid Walmart a lot anymore. Every time I go there to purchase something it seems like Walmart only carries the absolutely cheapest version of whatever it is that I'm looking for and it is usually junk and won't last. They still do sell some good quality name brand products but the majority of what they sell is junk. Even some of the name brand stuff they sell is junk if you look up the model number on Amazon.com and check the reviews.
In Canada Walmart is one of the only major retailers that doesn't support tap to pay (nfc)... Thier equipment doesn't seem to be compatible,
Welcome to MR! Where it's accepted, AP works well. The issue in the US is it's very slow adoption rate with retailers. No matter how many banks support it, the effectiveness is diminished by it's lack of retail support. My comment was a joke by the way. There are way more than 6 US retailers that accept it. The total is now 14.
This seems --- super redundant.
I have Chase Credit card, and I do buy stuff at Wal-Mart, but they already have their Wal-Mart Pay service that also uses a stupid QR code, iirc.
Also, "show to the cashier"? I assume you can just scan it in some way, too, because I use the self-checkouts as much as possible. You get through the line faster, as almost everyone using them has small numbers of items and the lazy people avoid them. If I have to take to take the phone to the one person who staffs the entire self-check area to use it this is a non-starter.
I'm not even a big baseball fan and I think you just won "Best Comment from the Internet for Today" from me.
I have Chase Credit card, and I do buy stuff at Wal-Mart, but they already have their Wal-Mart Pay service that also uses a stupid QR code, iirc.
Also, "show to the cashier"? I assume you can just scan it in some way, too, because I use the self-checkouts as much as possible. You get through the line faster, as almost everyone using them has small numbers of items and the lazy people avoid them. If I have to take to take the phone to the one person who staffs the entire self-check area to use it this is a non-starter.
I'm not even a big baseball fan and I think you just won "Best Comment from the Internet for Today" from me.
Chase has announced its payments service Chase Pay will launch at Walmart stores in the United States in 2017. The digital wallet will be integrated into the Walmart app for in-store purchases, allowing Chase Visa credit and debit cardholders to pay at the checkout by showing a QR code to the cashier.
Chase Pay will also be added to Walmart's website next year, allowing customers to make online purchases while earning rewards and receiving offers. The service secures transactions with token technology, which utilizes one-time complex codes to process transactions and keep card information secure.
Chase Pay differs from Apple Pay, which uses contactless NFC technology and is secured with Touch ID in addition to tokenization. Walmart has so far refused to adopt Apple Pay, opting for QR code payments services like Walmart Pay and Chase Pay instead. The retailer has said it is open to supporting other digital wallets in the future.
Chase Pay was created in partnership with MCX, the consortium behind the indefinitely postponed payments service CurrentC. Walmart was a leading member of MCX between 2012 and 2015, when the consortium's three-year exclusivity window expired. In 2014, Walmart explicitly said it would not accept Apple Pay.
Walmart's app is a free download on the App Store [Direct Link] for iPhone.
Article Link: Apple Pay Holdout Walmart to Launch QR Code-Based 'Chase Pay' Next Year
What a joke, contactless is the universal standard. It's the Same technology that is used for contactless credit cards (popular in Europe and Asia) and Apple Pay just ties into that.
Why would anyone think creating a different proprietary technology with worse security is better?
My wife and I were on vacation in Canada, and our cards wouldn't work there, and I thought that cash was the worst option, as my bank would let me use our cards at an ATM, but not for debit transactions. Then I thought about it... If I took out CDN$300 out, my risk is CDN$300. If my card is stolen, I'm out the time and energy to make the problem go away, which is way more than CDN$300. Actually
Pay saved it, as I put our Chase card in there, to see if Pay worked, and it did.I thought it was a cost per transaction thing. If they save 0.1%, that's millions of dollars on their bottom line.
I'm not sure what the hyperbole is...As is, in the US Apple Pay is primarily an institutional product. By that I mean financial institutions are getting on board but retailers aren't moving at the same speed. Who really gives a crap if 238 million financial institutions support AP when you can only use it at 4 stores? <-- That. That right there. It's hyperbole. So I hope no one replies with the other 2 stores that accept Apple Pay.
When I get somewhere, I double click my watch, pick the card, and hold it over the terminal, and if it takes it, the clerk thinks it's the coolest thing. Otherwise, I take the card out.
I'm about 95% on places that take NFC payments, and about 35% on those places that don't advertise. Most of the 65% that don't work don't take the chip and pin, either, which I hate, due to the slowness.
Debit cards won't work elsewhere unless you say "credit". Canadian debit is different than our debit.
If your credit cards weren't working, can you explain more?
I just use the chip on my credit card at Walmart and call it a day. They can be stubborn about AP all they want. Screw em.
Just type in your phone number into the terminal. No card pulling out at all now.
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It is. It's the same Ingenico iSC250 we have here in the US. Like US stores- it's just disabled! 'Many local mom and pop stores here have the same terminal and Apple Pay works just fine. It's just Walmart being a jerk.
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Walmart Chip is actually pretty fast too. I don't know why people keep saying chip cards are slow. Mag stripe and chip is about the same speed at Walmart.
More than likely in-addition to, as Chase Pay is only offered to people who bank with Chase.
I have Chase Pay. It was setup automatically on my checking account when I opened it. I've used it precisely zero times.
Meanwhile, about 85% of ALL transactions posting to my account are done via Apple Pay.
If that's the case then how come they didn't come out with QR payments before Apple had Apple Pay? It's only an issue now that Apple uses NFC for their payment platform.
So... anyone wanna bet on when they're going to cave in and support Apple Pay?
I'm going to say never, since they've already threatened to stop supporting Visa credit cards in their Canadian stores.
Source: http://www.cbc.ca/news/business/walmart-canada-visa-1.3630956
I'm going to say never, since they've already threatened to stop supporting Visa credit cards in their Canadian stores.
Source: http://www.cbc.ca/news/business/walmart-canada-visa-1.3630956
Walmart, c'mon now. Nobody is going to open up a Walmart app and scan a QR code and show the cashier for Walmart Pay or Chase Pay to pay for their purchases. Not gonna happen for the vast majority of people. Get on board with what is easy and secure- Apple Pay, chip, or cash.
Paying this way is just another option in their already incredibly popular smartphone app, IMO.
Walmart had a press rerelease this summer that said something like 20M+ consumers monthly use their app for:
- finding the location of items inside of the store
- checking the price of items
- read reviews of items
- checking stock levels (current store and other nearby stores)
- and ... paying with any Savings Catcher credit balance they may have
If you're not familiar with Savings Catcher ... When you buy anything at Walmart, you can scan a barcode from your paper receipt into their app, and it will compare prices of what you bought against prices from local competitors. If a competitor had something for cheaper, Walmart credits you the price difference via an eGift Card. So even before this initiative, some customers were already using the Walmart app to help pay for a portion of their transaction (via that eGift Card).
By adding this new QR payment stuff to what already existed in their app, it now lets customers pay for the entire transaction from within the app. If they have a credit balance from Savings Catcher, they can start paying with that credit balance, and then choose additional card(s) from the app to cover the remaining balance.
It will also download the receipts of your transaction straight to your phone. So you don't have to worry about keeping the paper copy of a receipt to scan into Savings Catcher later. You also have all of your e-receipts available in the app, if you need to reference them.
Their QR payment system has minimal smartphone requirements: smartphone w/ camera. Virtually every smartphone out there meets those requirements. That's a lot more phones than phones w/ ApplePay or NFC capabilities, IMO.
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How did you manage 85%? I kept track of it one month and found at the end that only a third of my transactions used it--and this is with me trying as much as possible to use it. I can totally see why a lot of people simply wouldn't bother.
I shop at Walmart at least 95% less than I used to a couple years ago. Haven't missed it one bit. The rare occasion that I wander into a Walmart, it's usually to grab a single item or two, like storage tubs or something and not a full shopping trip. Every time I go in I'm appalled at the lines, the rude people, unfriendly employees, and the disheveled appearance of the store combined with a lack of cleanliness. At least where I'm at, the Walmarts in town are noticeably much worse than any other retail or grocery experience such as Target or HyVee.
Sounds like Walmart is aware of their employee issue and is throwing some big money (IMO) at it.
http://news.walmart.com/news-archiv...lmart-associates-receive-pay-increase-in-2016
Be interesting (at least to me, I like watching retail) to see if that has any affect on their stores.
Sidenote, while I don't disagree about some Walmart customers being capable of being rude, I by far see more buttholery and dickiness from some upper-class customers at a local Harris Teeter. The entitlement with some of them is strong. Ugh. I stick w/ Target and Food Lion. Way less drama there.
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With traditional tokenization, the token is tied directly to your credit card which is stored on a server of a company most people have never heard of, no?
Target never stored your credit card number, IIRC. Malware on the register captured it "in flight", as it was being sent across the network for authorization.
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You mean like prepaid iPhones you can get almost anywhere? Including right in Walmart.