Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Pay Now Accepted By T-Mobile, GameStop, NBA Teams and More
- Thread starter MacRumors
- Start date
- Sort by reaction score
I guess it wasn't official, but I've been using Apple Pay at a few T-Mobile stores for a couple of months now.
Rubio's had it enabled for a while too, at least the one near my work.
----------
My local Fuddruckers had NFC for a while but Chase declined my card the one time I tried using Apple Pay there before they officially became an AP partner.
Contact store managers
My local liquor store has the NFC terminals and ApplePay almost works but never completes. I emailed the manager of the franchise and he emailed me back to say they are looking into implementing ApplePay. Squeaky wheel gets the grease! I really enjoyed using it while in Chicago. Was surprised that most of the taxis accepted it easy-peasy and am glad some random cab drivers don't have my credit card info.
My local liquor store has the NFC terminals and ApplePay almost works but never completes. I emailed the manager of the franchise and he emailed me back to say they are looking into implementing ApplePay. Squeaky wheel gets the grease! I really enjoyed using it while in Chicago. Was surprised that most of the taxis accepted it easy-peasy and am glad some random cab drivers don't have my credit card info.
Apple Pay is nice to have where I can use it, but recently I've noticed a slight change as to the way it works. I'm not sure if it's Apple Pay that has been adjusted, or if it's how my bank chooses to process an NFC payment.
When I tap my phone to the point-of-sale NFC sensor and authenticate with my fingerprint to make the purchase, I've noticed that the point-of-sale terminal will still require me to manually tap in my 4-digit debit pin to complete the purchase.
Isn't authenticating the purchase with my fingerprint supposed to take the place of tapping in my PIN number into the terminal? If I have to tap in my PIN number anyway, doesn't that kind of negate the point of fingerprint auth?
When I tap my phone to the point-of-sale NFC sensor and authenticate with my fingerprint to make the purchase, I've noticed that the point-of-sale terminal will still require me to manually tap in my 4-digit debit pin to complete the purchase.
Isn't authenticating the purchase with my fingerprint supposed to take the place of tapping in my PIN number into the terminal? If I have to tap in my PIN number anyway, doesn't that kind of negate the point of fingerprint auth?
I assume you are using a debit card. The payment terminal does not "know" that you used Apple Pay, from its perspective the phone looks just like a normal RFID-enabled debit card. Hence, any POS that asks for a PIN with physical debit cards will do so with Apple Pay as well.
Not really, since the fingerprint authentication is purely local on the phone. It does not interact in any way with the payment network, which will do its own authentication. You still have the benefit of the virtual credit card number with one-time security code though.
Makes sense, although that's somewhat disappointing and kind of takes some out of the magic out of it for me. Paying via NFC is not a new process for me, as I've used Google Wallet a lot in the past and they also employ the use of a virtual credit card number to protect your actual debit card.
I guess I was kind of hoping we were at the point where fingerprint authentication could take care of the entire purchase process. We're not quite there yet apparently.
I finally got to use it at Petco, it was pretty fast but the clerk didn't know if they had Apple Pay or not. Actually, every store I've been to has no idea about Apple Pay including a Subway I went to and their on the list as being Apple Pay supported.
I think it blows that Walmart, Target, and Lowes doesn't have it. Oh well.
Just something that will take time to out reach everywhere.
I think it blows that Walmart, Target, and Lowes doesn't have it. Oh well.
Just something that will take time to out reach everywhere.
I think that Apple is full of **** concerning the whole no signature thing. When it comes to having to type in your pin or sign for something, I believe that stores and credit card companies set those requirements. I think it's a $50 limit for the no-sign credit card purchase, and that was established with MasterCard PayPass. I picture Apple telling all their Applepay partners how they no longer have to have people sign for stuff, and then getting the response "that's not up to you". If the commenters are correct when they say that the NFC readers can't differentiate between ApplePay and a contactless card, then they would have to change the system and make it so that NO signature is required for ANY contactless purchase - which they would never do
----------
True. I can only use it at BJ's - never had a problem. However, unless Target,Walmart, Costco and some major supermarkets get in on it, it's not going to be used a whole lot by me
----------
True. I can only use it at BJ's - never had a problem. However, unless Target,Walmart, Costco and some major supermarkets get in on it, it's not going to be used a whole lot by me
Forget GameStop - they throw out good and useable games just to increase sales of their stock.
There's an article on many gaming sites talking about it, with photos of dumpsters behind GameStop filled with once working video games and hardware. Absolute crap what they do.
They won't be getting my business in any form of payment.
There's an article on many gaming sites talking about it, with photos of dumpsters behind GameStop filled with once working video games and hardware. Absolute crap what they do.
They won't be getting my business in any form of payment.
They can only do the no signature thing for all transactions > $50 if the chip slot is on too. So far the only places where I've seen chip work were Walmart and a few smaller businesses. Someone on another forum used Apple Pay for a large purchase at such a business and they didn't need to sign.
Interesting. I've always had to sign for stuff at BJ's if it was over $50. If people have been able to make larger purchases without signing, then it stands to reason that the system can differentiate between ApplePay and a NFC card. I assume that BJ's just doesn't agree with Apple about the signature being unnecessary
Do you have any chip enabled credit cards you can try? If it lets you swipe, then they definitely can't support not asking for signature right now even if they wanted.
Or anywhere else in the world that isn't the US
Apparently, only 6% of eligible iPhone owners are regularly using Apple Pay as of March, 2015.
Pay seems to be a lot more popular here at MR than in reality.http://www.wkrg.com/story/28748951/...anced-payment-methods-for-online-transactions
this isn't completely true. . Lots of people on the forum have said that apple pay has worked with just the touch id and then they are good to go. And you can watch a ton of youtube videos for subway, mcdonalds, footlocker etc... and nearly all of those are just touch id.
thats not to say everyone has had that experience, but to suggest that apple pay requires you to sign receipts or put in pin code, or to answer questions on the NFC is incorrect.
Please read what was actually written: *If* the physical card would require a PIN (usually only debit cards in the US), so will the same card used via Apple Pay. If you use a credit card in the US, you'll usually not have to enter a PIN (but you may have to sign a receipt). And I don't have to rely on Youtube videos, since I actually use Apple Pay.
So Apple Pay supports two ways to transmit the card data: a format that's kinda similar to what's on the magnetic stripe and a format that's similar to what the chip on a chip-enabled card transmits. The latter can only be used if the card terminal has chip turned on; in this mode, Apple Pay doesn't seem to require PIN at all for any card, even for my chip and PIN Diners Club card that makes me enter the PIN at Walmart. If the terminal is programmed correctly, it can recognize that Touch ID was used and not require signature for large purchases as well. Easy way to determine if chip is turned on: try swiping a chip enabled credit card. The terminal should complain and tell you to insert instead if chip is turned on.
If it's asking for a PIN for a debit card with Apple Pay, that means the terminal is using the magstripe-like data and making its own decisions likely based on the first few digits of the Device Account Number. (This is also why places still seem to ask for signature with credit cards in Apple Pay too.)
BTW, I used a program called cardpeek combined with a HID brand RFID/NFC reader plugged into my MBP to get this info. If you're interested in duplicating these results, use EMV mode when running cardpeek with suitable hardware. The most important thing to look for is something called the "Cardholder Verification Method List"--on MasterCard and AmEx it's pretty easy to spot but Visa encodes it differently so it may be difficult to find without spending a lot of time reading the EMV books.
Im not just talking about the PIN. Im talking about signing receipts and touching "do you want cash back" on the screen, and a whole bunch of other things you normally do when you slide your card.
From reading all the Applepay threads most people seemed to view it actually as random. Depending on the NFC machines and store policy as opposed to a credit or debit thing.
And as I said, when Apple Pay launched everyone went to all the stores and filmed themselves using apple pay for the first time. Probably 99 percent of every video was the person using touch id and then leaving.
Plus debit can be run as credit anyways.
----------
Walgreens seems to have a company policy of making you sign and enter PIN's and stuff even with ApplePay. It seems like a company policy.
Subways and mcdonalds seems to be the opposite.
I dont think it has anything to do with credit vs debit. I think its NFC machines and company policy that dictates it.
I used ApplePay at a Walgreens in Chicago and didn't have to use a pin or sign anything. Used a stored credit card, not debit. And that credit card was a chip and Signature credit card.
It absolutely has. If you do a debit transaction, you'll have to enter a PIN, regardless whether you use Apple Pay or the physical card. If you do a credit transaction, you won't. This is valid in the US today, in other parts of the world you may also have to enter a PIN for credit transactions.
That is true. But you may have to tell the cashier that you want to run a credit transaction, or push a button.
----------
Yes, there are two standards for contactless cards: MSD (mag-stripe) and EMV. It appears that Apple Pay supports both, and will use whatever mode the POS terminal requests.
There is no way for the terminal to recognize that Touch ID was used. At most, the payment provider can tell from the card number that it is a virtual card provisioned in Apple Pay.
My previous comment may have been an oversimplification. Apple Pay supports "on device CVM", which means the phone/watch authenticated the cardholder. If the terminal knows to look for that in the data that AP sends, then signature/PIN is waived altogether. Since AP is the only thing that sends that right now out of the mobile payment solutions available to Americans, a terminal could probably assume that Apple Pay was used. It's not a good assumption long-term though.