Difficulty browsing for the phone/app? It’s literally a double press of the side button (iPhone X) or a double press of the home button (other iPhones).I Keep my wallet in one pocket, the phone in other, both procedures are the same. Removing the wallet or removing the phone. Or the opposite in the end.
Browsing the phone/app for the card is something I find more troublesome that taking a card that is always in the same place (and I can also use as a NFC device in some ATMs).
With the Watch I can see some improvement not that much.
I guess I'm not seeing an advantage here...
- Remember to grab your debit card and put it in your wallet before you leave the house
- Take out your wallet
- Take out Debit Card
- Slide card into slot in ATM
- Enter pin #
- Grab card back when done with ATM
- Put card back in your wallet
- Put wallet back in pocket
- Remember to put the debit card away when you get home
The advantage is that you don't have to carry or babysit a card anymore.
I've tried so hard to use Apple Pay but it's so rare there's a chance I get to make use of it. I hope one day I can make use of just one device all in one.
It should have been standardized with solid encryption and full digital receipts. The back end middle man (Apple, Samsung or whatever) should be swappable depending on device manufacturer, as well as the device security method employed (so Apple could still use secure enclave, but the communication protocols with payment devices would have been standardized). If there was only one tech standard from the beginning, it would be a lot more difficult for big companies to resist it. Once again there was an opportunity to start from the beginning with standards and companies messed it up.I've been spoiled by MST with Samsung Pay for that reason. I've tried so hard to use Apple Pay but it's so rare there's a chance I get to make use of it. I hope one day I can make use of just one device all in one.
I’m one of the 0.01% who still use a regular ATM card instead of debit. Unfortunately I can’t put that in the Apple Pay wallet.
My ATM/Debit cards rarely leave the house and I never use them anywhere other than their respective bank.As a practical matter, you still need an ATM/Debit card to make purchases as some places still don't take Apple Pay (I'm looking at you, Home Depot!)
I missed that. Finally. I live at cvs these days as it’s on my walk home from the office.As a practical matter, you still need an ATM/Debit card to make purchases as some places still don't take Apple Pay (I'm looking at you, Home Depot!)
Tim Cook announced on the earnings call yesterday that CVS will be (finally) taking Apple Pay later this year. Great news, since I'm in CVS at least once per week. They've been another troublesome holdout, and I'm glad to see they are finally getting on board.
Must depend on where you live and shop. Many of the places I shop support ApplePay -- and the places that don't support ApplePay don't show any indication of supporting Samsung/NFC either.
I missed that. Finally. I live at cvs these days as it’s on my walk home from the office.
Yeah. I've been waiting for my Chase Business Ink card to work for what seems like years now. I wonder if it will ever happen for business credit cards and now ATM cards.And yet, my Chase Business card still doesn't support apple pay.
Interesting. I hadn't kept up with Samsung devices, thanks. I guess they must present the card in such a way that it doesn't force using a the chip reader.What I mean is that Samsung uses not only NFC but also MST which provides the signal your card does and lets you use it anywhere you can swipe a card. It's a great feature.
I don't know about where you live, but I definitely need the card. Plenty of places randomly only accept debit card, including gas stations! Also the bank teller requires it if you go inside. It's so thin anyway, so leaving it at home is totally not worth the risk or the thought of "do I have my card on me at the moment."The advantage is that you don't have to carry or babysit a card anymore.
This, and also you need your wallet out anyway to put the money in. It's taking one thing out of your pocket vs taking two things out. So I can't see how using the phone is not strictly harder.I Keep my wallet in one pocket, the phone in other, both procedures are the same. Removing the wallet or removing the phone. Or the opposite in the end.
Browsing the phone/app for the card is something I find more troublesome that taking a card that is always in the same place (and I can also use as a NFC device in some ATMs).
With the Watch I can see some improvement not that much.
I don't know about where you live, but I definitely need the card anyway. Plenty of places randomly only accept debit card, including gas stations!
Yeah that's a pain. Though since I only need to actually go inside maybe twice a year it's not been reason enough to keep my card with me on a daily basis.Also the bank teller requires it if you go inside.
Interesting. I hadn't kept up with Samsung devices, thanks. I guess they must present the card in such a way that it doesn't force using a the chip reader.
I keep a primary credit card in my wallet (citi 2% cash back), as well as a backup (Sams club credit card). For ApplePay I usually use my watch not phone, which is even easier than either wallet or phone in most cases since I simply double-click the side button on my watch to activate AP, and can swipe the face to choose a different card than the default if I wished to do so for some reason.
Side note - Walgreens enabled their loyalty card in the Apple Watch. Just have to swipe over to it. No need to pull out cards or phones.![]()
As a practical matter, you still need an ATM/Debit card to make purchases as some places still don't take Apple Pay (I'm looking at you, Home Depot!)
Debit cards are less safe than credit cards since the consumer protection is weaker and the money is taken directly out of your checking account (see e.g. here for more information). For that reason I usually don't carry a debit card. Another advantage of using Apple Pay at ATMs is that there is no risk of skimming.I don't know about where you live, but I definitely need the card. Plenty of places randomly only accept debit card, including gas stations! Also the bank teller requires it if you go inside. It's so thin anyway, so leaving it at home is totally not worth the risk or the thought of "do I have my card on me at the moment."
I don't know about where you live, but I definitely need the card. Plenty of places randomly only accept debit card, including gas stations! Also the bank teller requires it if you go inside. It's so thin anyway, so leaving it at home is totally not worth the risk or the thought of "do I have my card on me at the moment."
The only logical reason to use an ATM/debit card is to obtain cash from an ATM. Other than that I'd prefer they didn't leave my house.
Well this isn't true, for the reasons I listed. There are things that only the debit card works for. Also, it's not unsecured. It requires a PIN, and it's got some kind of fraud protection, though not sure exactly what.I agree that you need another method of payment besides Apple Pay, but this new ATM feature means you don't have to carry a debit card with you. The issue isn't so much about having to carry the piece of plastic, it's about running around with an unsecured card that's directly linked to your bank account.
It's just a bad idea to use debit cards for payments. Credit cards are much safer.
Well this isn't true, for the reasons I listed. There are things that only the debit card works for. Also, it's not unsecured. It requires a PIN, and it's got some kind of fraud protection, though not sure exactly what.
And for those who don't have an X, you can easily access it from the control center.You can double tap power button on the iPhone X or double click the home button to bring up the wallet from the home screen. Doing this instant authenticates me as I do it.