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Apple Pay Now Accepted by 1000 U.S. Issuers

levitynyc said:
WHO CARES ABOUT 1,000 ISSUERS IF ONLY A HANDFUL OF STORES ACCEPT APPLE PAY????!!!!

The ones that do, half of them don't work or the clerks have no idea how to use the terminals.

How about using that tremendous cash surplus to have a field team train employees and make sure the terminals are functional???
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Let me make sure I understand what you are demanding. You want Apple to go to Petco and train their employees how to use Apple Pay, correct? What else are you going to blame Apple for? How about that famine in Africa? After all, Apple claims to be very humanitarian. With all those billions of dollars, Apple could buy enough MacDonald burgers to feed all the hungry people in the world.

I had a FedEx delivery from Amazon yesterday that got screwed up. I just know Apple was to blame for that. There is a new board game coming out for many of you to enjoy. It's called "Let's Blame Apple". You throw the dice, move your marker, and it will land on a square with a description of a problem. You then yell "Let's Blame Apple" and then move on to the next player. It's a real life game. It's happening right here in these very forums.
 
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Moofo said:
Meanwhile, in Canada, only Amex supports it....

Give me a green card and I'll move. Stupid backward country.
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I feel like neither the US nor Canada are having it both ways.

The US has a huge number of supporting banks and cards, but the acceptance rate in-store is low
In Canada, we only have Amex which obviously is the smallest share of both acceptance and userbase, but we have a ton of stores that accept contactless payments.

With that said, I am pleased with the number of places that accept Amex + Apple Pay here. The only stores that it doesn't work at is grocery stores. Metro and Sobey's take Amex for example, but not contactlessly. Loblaws supports contactless, but doesn't take Amex.

Gas stations all accept it if you pay inside. No pay the pump, which is okay with me.

Obviously, if either Visa or MasterCard enabled Apple Pay then right away we'd have a better experience in Canada.
 
You can't blame Apple because merchant's won't install the hardware, but there are certainly other ways you can blame Apple for such a slow roll out.

1) The lack of advertising. One TV commercial every other week isn't enough to raise awareness. Also, Apple Pay commercials only point out the ease of use, and not anything about the security. While it should be shown off how easy it is to use, the security aspect is more important. What Apple needs to do is get a 1:00 time slot commercial for the Super Bowl to really raise awareness.

2) The fact that they're asking for money for every transaction. Apple isn't doing anything. Get rid of the fees so the banks in Canada, Australia, and such can sign on. How will the product ever grow if you're greedy?
 
pgiguere1 said:
Meanwhile in Canada, nearly all stores support it but we have zero banks on board...
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How do you know that all stores support it ... just because the terminal is there that accepts Tap-and-Go CC and debit cards doesn't automatically mean the store supports Apple Pay.

Get an Canadian AMEX card and wield your iPhone to your heart's content ... oops, the store doesn't take AMEX.
 
And don't forget, the number of banks whose cards support ApplePay is larger than this number of "issuers." Because a single issuer can serve multiple banks.

Example: I have 2 ApplePay-supporting cards from my local bank chain, complete with their logo and name on both the cards and the monthly statements--but my bank is not listed by Apple. Because in the fine print on the back, each card is actually "issued" by some larger bank that provides the card services to multiple other banks.
 
My bank finally supports it so now every card I have is in Apple Pay now every store should support it and I can throw my
Wallet away minus My Drivers license haha
 
Apple Pay does save the banks having to print and issue NFC cards and likely reduces their liability from fraud as well, so Apple most certainly argued this as a means of asking its fee, but the banks in Australia have obviously judged that the cost of the former is insignificant and Apple's fee too high, so Apple should be making compromises if it wants wider penetration here.

Is that the BankWest owned by Commonwealth (of Australia) Bank? If so then why does America get Apple Pay when we don't! My bank owns BankWest for goodness sake.

I've seen someone use Apple Pay with their phone here only once and nobody really noticed or cared in the slightest. NFC payment is pretty standard to the point that many people even avoid cafes and restaurants that don't have it (I know I do) and certainly 99.9% of shops do. The staff don't pay attention or care what you're waving at the terminal to make the payment work, all they do is pay attention to whether it says "authorised" on the receipt because that's what tells them you've paid.

Australia abandoned signatures a year or two ago as they were deemed too insecure. You can't sign to pay anymore. It's pin or NFC only. A pin is required above $100 but I'm not sure if that applies to ApplePay given its added levels of security.
 
thinsays said:
Santander US ever going to be on this list? Nah.... even though Santander UK made it......
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And they don't seem to have any plans to support it in the US either. It's increasingly frustrating to put up with, given that nearly every other major financial institution in the US has supported Apple Pay for quite some time.
 
simonmet said:
Apple Pay does save the banks having to print and issue NFC cards
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NOPE ... you still need the physical card for Apple Pay to take a photo and register the card ... no savings to the bank, in fact, they have to share the fee they now charge merchants with Apple.
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nagromme said:
And don't forget, the number of banks whose cards support ApplePay is larger than this number of "issuers." Because a single issuer can serve multiple banks.

Example: I have 2 ApplePay-supporting cards from my local bank chain, complete with their logo and name on both the cards and the monthly statements--but my bank is not listed by Apple. Because in the fine print on the back, each card is actually "issued" by some larger bank that provides the card services to multiple other banks.
Click to expand...

That's a nasty little surprise for those at the smaller financial institutions who can't go it alone with the big CC providers.
 
American Hero said:
You can't blame Apple because merchant's won't install the hardware, but there are certainly other ways you can blame Apple for such a slow roll out.

1) The lack of advertising. One TV commercial every other week isn't enough to raise awareness. Also, Apple Pay commercials only point out the ease of use, and not anything about the security. While it should be shown off how easy it is to use, the security aspect is more important. What Apple needs to do is get a 1:00 time slot commercial for the Super Bowl to really raise awareness.

2) The fact that they're asking for money for every transaction. Apple isn't doing anything. Get rid of the fees so the banks in Canada, Australia, and such can sign on. How will the product ever grow if you're greedy?
Click to expand...

Apple isn't doing anything? There is a cost to develop it, to support it, and to maintain it. I also doubt they are done. Apple Pay needs to be supported in future products, maybe they'll do something different, maybe it will grow, maybe it will change with upcoming technology.

So my rebuttal to your statement "How will the product ever grow if you're greedy?" would be how will the product ever grow if you don't fund it?
 
Euge said:
Apple isn't doing anything? There is a cost to develop it, to support it, and to maintain it. I also doubt they are done. Apple Pay needs to be supported in future products, maybe they'll do something different, maybe it will grow, maybe it will change with upcoming technology.

So my rebuttal to your statement "How will the product ever grow if you're greedy?" would be how will the product ever grow if you don't fund it?
Click to expand...

They aren't doing anything. They slap NFC into a phone.

It's no different than a bank giving customer's a contactless card.
 
xero9 said:
Uhhh... You realize you can enter the card number manually, right?
Click to expand...

Thanks ... didn't know that ... Canadians are not part of the scheme, yet.

Though I'm still not convinced that your CC provider will just give you a number without issuing you a physical card.
 
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In my little corner of the Newnited States, almost every store now has updated their credit/debit card machines to accept chip-and-signature cards. (Why, oh why can't we go chip-and-pin like Europe? Signatures are worthless!) Virtually none of them can actually use chip cards, though - you still have to swipe the magstrip. Why? Their corporate software hasn't been updated yet. Even though it means they are liable for fraud.

This is why Albertsons LLC (Star Market, Shaws, Acme Supervalu, etc.) requires the last four digits of the DAN when using Apple Pay - they're just treating it like a swiped credit card. Their software hasn't been updated for contactless pay forms.
 
RedOrchestra said:
How do you know that all stores support it ... just because the terminal is there that accepts Tap-and-Go CC and debit cards doesn't automatically mean the store supports Apple Pay.

Get an Canadian AMEX card and wield your iPhone to your heart's content ... oops, the store doesn't take AMEX.
Click to expand...

Exactly, Apple Pay is effectively useless here. You need a recent iPhone...and an Amex card...and you have to find a store that takes Amex...and THEN you have to find a retail chain that accepts Apple Pay. Which chains accept it? Damn if I know, and damn if I'm going to check some updated list somewhere regularly to find out. All this because of some extra bit of security? Who cares? I'm not liable for fraudulent purchases, Amex is. Good grief, talk about technology in search of a problem to solve.
 
nightcap965 said:
Virtually none of them can actually use chip cards, though - you still have to swipe the magstrip. Why? Their corporate software hasn't been updated yet. Even though it means they are liable for fraud.
Click to expand...

There's a bottleneck when it comes to certifying the software right now.

It's not just as simple as flipping a switch and downloading a software update.
 
4jasontv said:
I'd be happy if my bank let me cash checks from its app. Also, I wish they had an app.
Click to expand...

Is there a reason you are staying with your bank, despite these deficiencies? Vote with your feet, and change to a bank that supports these features.
 
American Hero said:
They aren't doing anything. They slap NFC into a phone.

It's no different than a bank giving customer's a contactless card.
Click to expand...

It is very different than giving a customer a contactless card. Apple Pay isn't just a chip. It's hardware and software and also works with the business of a bank.

If you think any company that implements a technology costs nothing then I think you're being very naive. Do you think there is a single person sitting at Apple that is the "Apply Pay guy"? There is probably an entire department dedicated to it. Who do you think is negotiating deals with all these banks, both in the US and internationally. People are waiting for the rollout in other countries such as Canada and Australia. Is Apple not involved in that at all? That takes man power.

It costs money to:
  • Develop it. It didn't just magically appear.
  • Acquire hardware and manufacture it. Who manages the vendors? What if there is a change with the chip? Someone at Apple has to account for that. These are internal things we the public never see.
  • Support it. Gotta fix bugs. And there are ALWAYS bugs.
  • Improve it, R&D. We can't seen the future but an effort needs to be made to improve it and change with the times. That includes new technology and Apple Products. Does it not take any effort to implement it with the iPhone 7?
  • Security. A security infrastructure is not built then you walk away. It takes manpower to manage it and monitor it. Security is a big deal. You want to catch any potential issues before they happen. What would happen if Apple Pay were compromised? It would be the death of Apple and the Apple Pay technology. You don't wait for a breach, you consistently work to prevent it.
  • Tons of little things:
    • API support and changes for the banks that integrate with Apple Pay.
    • Where do the card images come from? Who manages that?
    • Integration with Touch ID changes and improvements.
And these are mostly technical costs. There is always a business cost to run it, leadership and management to make decisions and support the company. I'm sure there are tons of things going on that we the public would never see. Issues and problems that need to be solved, both technical and business/political.

Do you seriously think the amount of money Apple has invested in Apple Pay since launch is zero, and will continue to be zero?
 
paulkaliciak said:
Exactly, Apple Pay is effectively useless here. You need a recent iPhone...and an Amex card...and you have to find a store that takes Amex...and THEN you have to find a retail chain that accepts Apple Pay. Which chains accept it? Damn if I know, and damn if I'm going to check some updated list somewhere regularly to find out. All this because of some extra bit of security? Who cares? I'm not liable for fraudulent purchases, Amex is. Good grief, talk about technology in search of a problem to solve.
Click to expand...
I don't think it's fair to say ApplePay doesn't work, it does, Apple and other Canadian banks just haven't come to an agreement on terms to get them into ApplePay.

I guess the point is, here in the US I can use my TD Bank account (just going to twist that dagger to all our Canadian friends a bit) with ApplePay anywhere that contactless payment is accepted, regardless if it's "ApplePay Certified".
 
Euge said:
It is very different than giving a customer a contactless card. Apple Pay isn't just a chip. It's hardware and software and also works with the business of a bank.

If you think any company that implements a technology costs nothing then I think you're being very naive. Do you think there is a single person sitting at Apple that is the "Apply Pay guy"? There is probably an entire department dedicated to it. Who do you think is negotiating deals with all these banks, both in the US and internationally. People are waiting for the rollout in other countries such as Canada and Australia. Is Apple not involved in that at all? That takes man power.

It costs money to:
  • Develop it. It didn't just magically appear.
  • Acquire hardware and manufacture it. Who manages the vendors? What if there is a change with the chip? Someone at Apple has to account for that. These are internal things we the public never see.
  • Support it. Gotta fix bugs. And there are ALWAYS bugs.
  • Improve it, R&D. We can't seen the future but an effort needs to be made to improve it and change with the times. That includes new technology and Apple Products. Does it not take any effort to implement it with the iPhone 7?
  • Security. A security infrastructure is not built then you walk away. It takes manpower to manage it and monitor it. Security is a big deal. You want to catch any potential issues before they happen. What would happen if Apple Pay were compromised? It would be the death of Apple and the Apple Pay technology. You don't wait for a breach, you consistently work to prevent it.
  • Tons of little things:
    • API support and changes for the banks that integrate with Apple Pay.
    • Where do the card images come from? Who manages that?
    • Integration with Touch ID changes and improvements.
And these are mostly technical costs. There is always a business cost to run it, leadership and management to make decisions and support the company. I'm sure there are tons of things going on that we the public would never see. Issues and problems that need to be solved, both technical and business/political.

Do you seriously think the amount of money Apple has invested in Apple Pay since launch is zero, and will continue to be zero?
Click to expand...

Doesn't Visa and MasterCard provide the token?

Most of the head and shoulders and weight is still on Visa, MasterCard, Discover, and AMEX.

If Samsung doesn't charge any money, neither should Apple.
 
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