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Apple Pay Launches in Canada With American Express, Australia Later This Week
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Exactly, and if you have any type of problem with the merchant, AMEX will always take your side in a dispute or disagreement. AMEX will always charge back the item instantly, since they have the advantage of owning their own network inside and out, and will rarely ever let the merchant win the dispute.
We keep this card because I've had it for a long time -- it boosts our average account age. We use other cards with better rewards for day-to-day purchases, and I only use this one occasionally for lunch to keep it active.
However, they did just offer me 2% cash-back for the remainder of 2015. So, we plan to use it more often for the next 6 weeks.
I'll second this comment. Amex charged back part of an annual subscription to an ISP and credited my account.
The ISP refused to honor an agreement to credit unused months when I cancelled (because they were acquired by a crappy company that actually knocked me off-line for a week). Amex didn't hesitate to do it, after the ISP couldn't produce a written no-refund agreement.
Who the hell uses American Express in Canada? Why is Mastercard and Visa not compatible yet? Gee, I hoped for a better launch here.
Why don't you read the rest of the thread rather than just hitting the post button? You'll find the answers to your questions.
Restaurant tips & Pay
All but two Canadian restaurants I went to in May, when I visited for a few weeks, have contactless terminals; however, after paying successfully a few times, I stopped doing it because the terminals don't allow me to add tips. They only support it for cards inserted (EMV chip) or swiped (magnetic stripe). I ended up leaving some cash as tip.
What's your experience?
All but two Canadian restaurants I went to in May, when I visited for a few weeks, have contactless terminals; however, after paying successfully a few times, I stopped doing it because the terminals don't allow me to add tips. They only support it for cards inserted (EMV chip) or swiped (magnetic stripe). I ended up leaving some cash as tip.
What's your experience?
My wife and I both have MBNA Canada accounts and I just called them to leave my feedback. I'm giving them three months to implement Apple Pay or they lose our two accounts to American Express. AmEx is accepted at more places than people realize and just about every place that I normally shop.
Three months. That's all they get.
Three months. That's all they get.
Actually, I hear Wells Fargo's getting rid of that functionality as well. Only AmEx has tap-enabled cards at this point.
LOL, that's the Centurion Card!
https://en.wikipedia.org/wiki/Centurion_Card
The annual fee is $2,500, after an initial enrollment fee of $7,500.
Reportedly, you have to spend $21,000/month on average -- just to be invited.
They have PayWave and FlashPay - no rush really to deploy Apple Pay.
You're not even a rounding error - Amex has such a small marketshare that it's of no concern for the Banks, Visa, or MasterCard.
Saying that, I'm sure the banks are working on Apple Pay - they're just in no rush to release it probably due to pricing issues with Apple.
Never knew Tim's took AmEx. Apple Stores are on the mainland, here on Vancouver Island we make do with London Drugs or direct from Apple.ca. Walmart? Never go there. The Bay, only if I was absolutely made of money. Canadian Tire is a surprise as well.So you've never been in a restaurant and been handed the bill in an American Express folder? You've never been in an Apple store? Bay?
Wal Mart? Canadian Tire? Tim Hortons?
Not that I'm going to run out and get an AmEx card though.
London Drugs accepts American Express.
This is the very common misconception about AmEx, that nobody accepts it; in reality almost every large company does, though they may not promote it because of the higher fees to the retailer.
I did, as soon as I read the announcement today.
AmEx is pretty commonly accepted here in Toronto, though, so it's worth it for me so I can have the increased security and convenience of using Apple Pay on my Apple Watch (and iPhone, of course).As an Aussie I should be happy but having Apple Pay only on Amex is the same as not having it at all. No thanks.
Or maybe apple should drop there slice of the pie and they are the greedy ones? Apple are taking money even though if something goes wrong it's all on the banks.Hopefully this move will but tremendous pressure on the greedy Canadian banks. ( I'm looking at you BMO) Once the banks realize that ppl now have a choice they will have to cave in
(from Canada) I cancelled my Costco amex card when costco left amex. Applying a new amex card is not good for my credit score, so I will wait for Apple to support visa/master.
So... I've got a corporate Amex that I found I could add to my iPad (I don't have an iPhone). I thought I heard it mentioned that this only works 'in app', but anyone know how this works 'in app', and with whom?
Apple's shown that they're willing to reduce their cut if needed (example: UK). Sounds more like the Canadian banks don't want to implement it at all, possibly so they can do their own thing instead.
But the fact is: visa and MasterCard is more popular around...uh, I think, around Australia. Well, why Apple doesn't add Visa and MasterCard as well this time, but for American Express only? I now only have MasterCard card. Ugh.
Because American Express owns their own network and makes a higher percentage of money from their partnered-merchants.
Visa and MasterCard own their own networks, but go through individual banks. There's no such thing as the "MasterCard Platinum," or the, "Visa Premier" by itself. In order for Apple Pay to work in Canada, the banks need to sign on to the plan, where as American Express doesn't need that permission.
Also, keep in mind, the few American Express cards that are issued by banks won't work with Apple Pay at this time.
So if I want to issue an American Express card, how could I know if it is bank issued or independently issued?
Really want to try out Apple Pay but I don't have American Express yet.
PS: in Australia.
They should just give everything away for free right?
It takes time, resources and money to :
develop this tech
advertise it
get companies on board
create stickers for merchants
provide support for everyone