The merchant doesn't pay Apple. The card processor is where Apple gets their cut. So that leaves, "we don't want Apple Pay because we can't see all of your transaction details for selling your data to 3rd party marketers."
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Apple Pay Holdout Walmart to Launch QR Code-Based 'Chase Pay' Next Year
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The merchant doesn't pay Apple. The card processor is where Apple gets their cut. So that leaves, "we don't want Apple Pay because we can't see all of your transaction details for selling your data to 3rd party marketers."
My understanding is it does some kind of strong magnetic pulse that's picked up by the same reader that normally reads the magnetic strip on a credit card.
McDonald's "implementation" of Apple Pay in the drive-thru isn't even an implementation, it's straight ghetto.
They put a PIN pad on a stick that the cashier holds out ot the window. The McDonald's by my house will do it, but the cashier will give you the eyes of satan and hate you for doing it.
The other McDonald's in my town refuses to do it. They make you go inside.
My reason for not using Walmart Pay: because I can't. It requires an internet connection, and there is no cell coverage at my local Walmart.
They hold the card terminal out the window. Starbucks does this now too.
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This type of implantation is common outside of the US. These countries have laws about the card never leaving the card holders hand. Including drive through.
I think it'd be less of a hassle if they used something like this in the US:
(skip to ~1 minute in)
Too bad chip and signature basically requires we have crazy huge terminals. And people wonder why I'm extremely bearish on contactless in the US at all, let alone about Apple Pay.
Says Steve Ballmer in 2001...
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It just gives me another good reason. There are many.
No snark, but what metrics do you think I used? I'm pretty sure you and I have a completely different idea of what Walmart's core demographic is. From your tone, you seem to be thinking something derogatory. I most assuredly do not.
Yep, I know it's commonplace outside of America. The main difference, at least from all the times I've hit a drive-thru in Canada, is the PIN pads used outside of America are way smaller.
ROW typically has something like an iCT250 on a long cord they hand you. In my experience in Canada, they hand it to you and then from inside your car you can do your transaction.
Meanwhile, here in America, they have a big-ass MX860 on a pole that they hold out the window, while you lean out to tap, praying you can reach the NFC pad... or that you don't drop (and crack) your iPhone.
It's cumbersome in the US.
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Be happy to do so. Core demographic is their primarily targeted audience. Not all of their customers, but the ones their marketing is targeted to appeal to the most. Moms, multi-member families, and budget minded consumers. That's why Walmart always has things on sale that will appeal to women, families and those looking for a bargain. A huge contingent of their clientele doesn't use traditional bank accounts or credit cards. That's why Walmart has had monstrous success with their in store financial services - Walmart Money Center . That core demographic doesn't dovetail with Apple's core demographic. Sure, there's some overlap at the fringes, but nothing significant enough to make Apple Pay a significant draw in Walmart's eyes. That Money Center, coupled with aggressively priced merchandise, create an environment of one stop shopping with multiple potential touch points on every single customer. Neither Apple Pay, Android Pay, nor Samsung Pay (minus the MST portion) contribute to Walmart wanting that customer soup to nuts, all to themselves. Every company wants their customers exclusively in the categories they're doing business.
I could be wrong, but I'm going to say you had something different in mind regarding what I meant. It's okay. It is the internet after all.
I live in Beijing and can honestly say that QR payments are not the way to go. People take way too long to get their QR code ready to be scanned. It seems the paying with cash in China is a better way to go. Apple pay is supposed to be in China but I've never seen it used any where in Beijing.
It's just weird considering Chase fully supports Apple Pay. Regardless, I still find that using my physical Amex card is far easier and quicker than paying with Apple Pay.
At least Starbucks uses the Vx820 just like the European counterparts &a Canadian. Same rubber case on it too. And they hand it to you for all cards, not just Apple Pay.
Really? Last time I used my card in a Starbucks drive-thru (we're talking two years ago, I've gotten off of Starbucks) they took my card and swiped it, handed it back.
I wish all drive-thru places would do what the rest of the world does - have something compact like a VX820 and actually pass it over to you, so you can do your transaction without exposing card details or your name to the employee.
Yes. Starbucks doesn't even swipe anymore it's chip insertion (unless you have a rare mag stripe only card in 2016), Apple Pay or scan the barcode of the sbux app.
El Pollo Loco has PAX S30 terminals that are also handed out. These are as small as the Vx820.
So some US merchants are doing it right.
McDonalds plans on upgrading to Mx915- stupid decision for the drive through. For EMV and Apple Pay.
Chick Fil A also hands an Mx915 out the window now. - also stupid and clunky.
My mom's credit union still isn't issuing EMV cards... hell, they don't even have a half-decent mobile app and desktop website. Probably no surprise to you, but they don't do Apple Pay either.
They said they "plan" to do EMV within the first SIX MONTHS of 2017. Almost two years after the initial EMV rollout and liability shift.
They're friendly people... but god, are they antiquated with tech. Their "new" online banking site they rolled out in April has less functionality than the old one!
I ended up getting a bank account with USAA when I needed my first checking account and moved over to Chase about a month ago.
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When / if it gets hacked, I wonder what the result will be. Crooks being able to pay for expensive items (TVs etc. ) at Walmart with a fake payment? Or by having some innocent Walmart customer pay the bill? Or just stealing the banking information of Walmart customers? I hope it would be the first, so that only Walmart suffers.
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Apple doesn't know. Apple doesn't even know which store you're buying in.
If only Walmart suffers you can surely bet their solution is to offer Apple Pay :-D.
All of the brand new terminals they had purchased all are NFC capable already too!
I just upgraded recently to the 7 Plus and fell in love with the idea of Apple Pay, assuming that even in my small-ish town there would be plenty of places to use it. Unfortunately, while I'm still in love with the concept, the sentence above (and the joke about the 4 stores that accept AP) is representative of my Apple Pay experience.
I actually went out of my way to stop at a McD's for coffee, bypassing a few other options, only to be told by the girl at the window that they don't take Apple Pay. There are only a couple other places around here that accept it, including Panera, which I don't frequent but I suppose I can try it and see if there's anything there I like.
As it is, I have yet to have an opportunity to use it. I really want to streamline what I have to carry with me, and I'd like to eliminate credit cards and cash entirely. Apple Pay, in theory, could make that possible. So disappointing that so few major retailers in my area accept it.
I just upgraded recently to the 7 Plus and fell in love with the idea of Apple Pay, assuming that even in my small-ish town there would be plenty of places to use it. Unfortunately, while I'm still in love with the concept, the sentence above (and the joke about the 4 stores that accept AP) is representative of my Apple Pay experience.
I actually went out of my way to stop at a McD's for coffee, bypassing a few other options, only to be told by the girl at the window that they don't take Apple Pay. There are only a couple other places around here that accept it, including Panera, which I don't frequent but I suppose I can try it and see if there's anything there I like.
As it is, I have yet to have an opportunity to use it. I really want to streamline what I have to carry with me, and I'd like to eliminate credit cards and cash entirely. Apple Pay, in theory, could make that possible. So disappointing that so few major retailers in my area accept it.
McDonald's, if you're in the US, should have big red NFC readers attached to their terminals. I've never seen a McDonald's that didn't have them. Once or twice the reader hasn't been working, but that happens with any technology and it usually gets fixed within a few days in my experience. If you hold your phone over the terminal and no NFC is detected, report it to corporate via their website and they can follow up with the store.