The problem is some retailers are taking Apple Pay for £30 and over, others aren't.
Until businesses realise how much safer it is it's going to vary greatly.
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Apple Pay Launches in New Zealand Through Partnership With ANZ
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The problem is some retailers are taking Apple Pay for £30 and over, others aren't.
Until businesses realise how much safer it is it's going to vary greatly.
Sure, but a lot of people would rather we still swiped. That will probably have to be rare before people think about other options.
Uh...it has? Unless you're not considering it "launched" until 100% of places support it?
It was a joke.
But honestly, I'd take 5% of places supporting it. There's very few places here that even have ANY NFC payment options. And it's not like I live in the boonies, our metro area is over 4 million people. My neighborhood Starbucks is actually the busiest in the entire Southeast region. Granted my neighborhood is like Tampa's Brooklyn, so there's not a ton of large retailers in my specific hood, but I still can't even remember seeing Apple Pay anywhere around here. Until I got my iPhone 6 I was kind of bummed NFC wasn't in the 5s, but now I'm bummed because I have it and have nowhere to use it. I suppose maybe a Starbucks or Target? But for the rare occasions I go to Starbucks I just use their own app anyway, so that doesn't even matter. And I don't frequent Target anymore because Amazon exists.It'd be an extra boon to me because half of the places with "newer" chip card readers have the slowest machines possible, like they cobbled them together from 80s components. I think they're finally up to 9600 baud. I still don't understand why only certain ones are so slow...
I almost feel that's intentional so that people stop using cards completely. (A lot of retailers here really hate the fact that they have to pay Visa/MC any amount of money at all.)
Why would Australia suck it? Australia has Apple Pay through Amex and the ANZ (that's an abbreviation of Australian New Zealand) Bank. NZ have the same as Australia.
I used to use ApplePay through my watch via Amex but have now switched away from Amex as my primary card and am using a Macq Bank Visa Credit Card - I had to carry a visa credit card as well as my Amex so now I just carry a debit and a credit card. I really wish Australian banks would sign up to this.
I am looking at refinancing my mortgage (NAB) and will look at ANZ's rates and see whether a switch to them might be appropriate.
Oh I just remember a thread from a few weeks or months ago where Australian users were complaining since their banking system seemed to be blocking Apple Pay, and given the rivalry between AUS and NZ, I thought it was funny that a short time later, NZ was getting it.
Could be. Stranger things have happened.
That would be a dumb tactic though. Most people aren't going back to cash and it's in their best interests to have quicker transactions. Since I know some read quicker, I just assume the places that have slow readers are cheap, haha.
What I really don't understand is that if the government was going to overreach and regulate that we have chips, why didn't they just skip it and go to a better solution in NFC...
It might not be that large retailers want us going back to cash for everything but rather, we stop using cards for anything other than large purchases if they don't get their fees cut; I highly doubt they want to deal with checks again for those. (On the other hand, smaller businesses likely prefer cash/check for everything because the cost of handling those is less at that scale.)
Ironically, if swipe fees get cut, it's very likely we'll all use cash for nearly everything anyway since the banks will cut rewards and benefits to the point where it's not worth it to use a card anymore. I think a significant reason why the rewards for cards in the US are so high is that our infrastructure isn't all that great; even before chip, card use wasn't all that user-friendly or fast compared to cash, so we needed to be bribed to use them for everyday purchases. I still run into businesses that use dialup for their terminals, for instance--and I live in a fairly large city. Chip really just made the issues more visible, IMO.
BTW the government didn't "mandate" chip, Visa/MC did. And it's not really a mandate either; it's more that merchants automatically lose chargebacks unless they upgrade their equipment. Speaking of government, if they actually mandated chip, we'd probably have a lot fewer complaints from people simply due to all the stores switching all at once (vs. piecemeal like it is now).
Considering that it will work pretty much everywhere that has eftpos, it is necessary to have a pin for more than $80 for tap to pay/ paywave/ contactless transactions. The Apple side of it is not relevant to the transaction as far as the merchant is concerned.
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Actually ANZ is one of the 4 big Australian banks, with the most ATMs and branches.
If you wanted to appeal to local banking you could try the state owned Kiwibank, which is owned by NZ Post and the super funds, or the TSB, which is barely existent outside Taranaki and TV ads.
The other local trading banks are either credit unions or finance companies.
Currently over half of NZ doesn't find Jermaine Clement & Bret McKenzie funny enough to watch, including myself.
If you don't find Earthquakes tolerable, you can always visit the volcanoes of Auckland.
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Reverse the transactions. All you need do is contact your bank and provide an explanation, preferably with an attached document from your google search on this transaction. They should credit your account within 10 business days. ie do it on monday and you should have it back on november 1st.
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Clearly you haven't had problems with payments being late to your bank.
First I think that's a hold out thing. It's much easier to carry around cards than deal with bills and change. And it's a little cleaner.
I too still run into dial-up terminals from time to time, which is crazy in a world where Square exists. I get it's probably cheaper, but standing around waiting on that sucks. They give chip card terminals a run for their money.
As for the second part, that is quite interesting. Thanks for the correction. I looked it up and you're right. Which is odd because I was pretty sure the letter I initially got about my cards getting pins a couple of years ago mentioned a law or something about it. This makes more sense. Either way, they should've moved to NFC rather than this intermediate step. It's like switching from Cassettes to MiniDisc while CDs are available (or I suppose from DVD to BluRay when digital purchases are available).
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Is this like a national statistic? Haha. I'm not a Kiwi, and I find them to be pretty funny. I loved their show. It was the situations they were in that were funny to me at least, like having to share a cup and practically going bankrupt because one of them got tired of sharing and bought a new cup. Writing it out sounds terrible, but I enjoyed it.
But I can totally understand why people wouldn't find them funny.
Or had a business card and a personal card. Or had a debit card and a credit card, or business credit and debit cards and personal debit and credit cards. I usually carry 3 with me. I leave my personal debit card at home. My main business credit card is an Amex, which isn't taken everywhere because of higher transaction fees, so I have a Visa debit card as a backup. So there are plenty of other reasons to need more than one card.
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New Zealand has had universal healthcare since the 30s. Medical expenses are for the sports players and unsubsidised or less subsidised GP patients. (I have about 100 GP visits in credit at my local doctors office.)
First I think that's a hold out thing. It's much easier to carry around cards than deal with bills and change. And it's a little cleaner.
I too still run into dial-up terminals from time to time, which is crazy in a world where Square exists. I get it's probably cheaper, but standing around waiting on that sucks. They give chip card terminals a run for their money.
As for the second part, that is quite interesting. Thanks for the correction. I looked it up and you're right. Which is odd because I was pretty sure the letter I initially got about my cards getting pins a couple of years ago mentioned a law or something about it. This makes more sense. Either way, they should've moved to NFC rather than this intermediate step. It's like switching from Cassettes to MiniDisc while CDs are available (or I suppose from DVD to BluRay when digital purchases are available).
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Is this like a national statistic? Haha. I'm not a Kiwi, and I find them to be pretty funny. I loved their show. It was the situations they were in that were funny to me at least, like having to share a cup and practically going bankrupt because one of them got tired of sharing and bought a new cup. Writing it out sounds terrible, but I enjoyed it.
But I can totally understand why people wouldn't find them funny.
Or had a business card and a personal card. Or had a debit card and a credit card, or business credit and debit cards and personal debit and credit cards. I usually carry 3 with me. I leave my personal debit card at home. My main business credit card is an Amex, which isn't taken everywhere because of higher transaction fees, so I have a Visa debit card as a backup. So there are plenty of other reasons to need more than one card.
Yes, those "comedians" are even less interesting than the highly overpaid commentators who parrot the national party govt narrative on TV and Radio.
And that situation is clearly a reference to 2 girls 1 cup, which is just trolling those who haven't seen it.
We've had chip cards for several years, and contactless came first to bus cards in 2008, then bank cards from 2013.
You've explained that you only have one card and no one in New Zealand has any legitimate reason to carry more than one form of payment card. I can now see why no one in New Zealand will use Apple Pay. I now have a better understanding of all New Zealanders, and I can file it away for further reference.
Ah that other zombie post came back.
Anyway, most people have more than one card. As typically most people will have a visa debit/eftpos card and a visa credit card or mastercard credit card.
Wise people use more than one bank if they want to keep from problems whenever their main bank delays payments, which is something that happens on average several times a year.
The other kiwi poster would be referred to as a daft old sheep shagger in most parts of the country for not bothering to have a plan for difficulty, which is shown by the apparent age of the poster born in 1963.
Uh, not in the episode I saw. Perhaps we're thinking of completely different things...I mean 2 guys 1 cup sure, but it's similar in name only.
Yeah, we've had them for a bit too. But that doesn't mean merchants have them everywhere. We're just a tiny bit bigger country. For perspective, the metro area of my city would almost contain the entirety of NZ's population.
And yeah, it's always a good idea to have more than one form of payment.
Is that enough trolling? Well I just finalised last week opening a new ANZ account, complete dog's breakfast of a service but I made it clear I was doing it only for the Apple Pay. Works perfectly. Haven't yet tried it from the phone, as just about everywhere works with the watch which is far more convenient. I've only bought one thing in the last week that I've needed to get my wallet out as they were swipe-only. I put the Fly Buys barcode on the watch via Photos so now I never need to get my wallet/phone out. Great stuff.
Welcome to ANZ! In regards to your Fly Buys card on your Apple Watch, I'd recommend an app called Storecard. I store my AA, Subway, Wild Bean Cafe and AA etc... It's a pretty cool app, give it a go
I'll give that a go, thanks. I see ANZ's customer service hasn't improved any since I ditched them 15 years ago, but now having finally got the account open I don't see me having to contact them again and as long as you put $2500 through the account each month there aren't any fees so it works out ok for day to day expenses. The arguments going on in Australia about Apple Pay make it pretty clear that it won't be coming to any of the other banks here in the near future so that's why I opened an account with ANZ. I'm not at all sure that Kiwibank is aiming at the kind of customer who would use Apple Pay, but you never know.