Apple Pay Now Available at Nearly 16,000 Cardless Chase ATMs

[subjonas]

Apple Pay adoption still has a looong way to go. Most the places I patronize still don’t accept it. And choosing to only patronize stores with Apple Pay is not realistic for me. Thankfully more Apple Pay gas stations seem to be popping up.

I’d also love for Apple Pay to integrate with my checkbook app, automatically recording my transactions. (Yes, I record all my transactions in a checkbook app.)

 

[groadyho]

Samsung Pay use anywhere and everywhere Visa is taken. But hey, that galaxy s9+ is so insecure that everyday 100s and 1000s of galaxies are hacked and your card and identity is stolen. LMAO tin foil hats for sale here, get'em while their hot

 

[Isidore]

Whats the use of this if you still need your PIN!

Yeah, got it, otherwise a thief can point the phone at your face and withdraw money, I have no need for this, I rarely get cash from an ATM and have my cards with me inside a pocket in the iPhone's case so there's that.

And if I tap my case against the POS it will also work, less work than ApplePay, and here in Europe there's no security risk, if there's fraud we won't have to bear the costs, no money lost.

The biggest cause of fraud from ATMs, certainly in the UK, is gangs tampering with the machines (a) by fitting a device to trap your card in the slot and (b) fitting a modified facia to the machine with an embedded cellphone to film your finger presses on the keypad. You get your cash but the card is not returned. 5 mins after you walk away they retrieve your card and hey presto free cash. Asking you to use applepay AND enter your pin is just plain stupid. Always cover the keypad with your other hand when keying and preferably only use ATMs inside a bank which are harder to ‘upgrade’ than the ones outside.

 

[MacGizmo]

The advantage is that you don't have to carry or babysit a card anymore. Your instructions are a bit biased towards the card though--I'd argue that carrying/retrieving a card that is located in a wallet that is possibly located in a bag has at least as many steps as using your iPhone...
And for anyone that uses an Apple Watch and has their Chase card set as the default payment, it's literally as easy as pressing the watch's side button twice and holding it to the pad. This is how I do all of my ApplePay transactions--there's no way it's easier to use a card.

Let's look at your list compared to mine – I've highlighted the items that can't be part of the discussion:
1) Take out bag to retrieve wallet
2) Remove card from wallet
3) Slide card into slot in ATM
4) Enter PIN
5) Conduct transaction
6) Remove card from slot in ATM
7) Replace card in wallet
8) Replace wallet in bag

#1 The reality is that most men carry a wallet in their pocket, not a bag, I would suspect. But even if that's not the case, one could make the argument that the phone is also in that backpack/bag. So that entire part of the argument is moot.
#3 You have to hold/tap your phone on the pad on the ATM, no more or less easy than sliding a card in the slot, so that part is moot.
#4 You have to enter the pin with the phone as well, so that part is moot.
#5 You have to "conduct transaction" with the phone as well, so that part is moot.
#7 have to replace your phone to wherever you keep it while driving (cmon, you don't drive with the phone in your hand, do you?), so that part is moot.
#8 See #1 and #7, so that part is moot.

So really all we're comparing here is the physical act of taking a card out of your wallet, and then taking the card out of the ATM after the transaction (since Chase makes you keep the card in the ATM the duration of the transaction on newer ATMs).

And while I am a Chase Bank debit card-holder, it is not my default card (I don't like the idea of debit cards being an open door to my bank account to begin with, so the last thing I would do is use it in "cyberspace"), which then would require thumbing around on the phone — possibly more time-consuming than simply pulling the card out from a wallet to begin with.

I would LOVE a seamless way to use my iPhone for transactions at an ATM, but I just don't see it as all that convenient the way it currently works. It's much like so many stores that accept Apple Pay. The stupid readers rarely work right (or at all), the stupid stores still want you to sign something because they're paranoid and think that signature actually holds-up as verification that you were the one that purchased something, and now we have to worry about "digital skimmers" as well.

And since 90% of places most people spend money don't accept Apple Pay (or any other digital payment method, for that matter) to begin with, you're still required to carry these stupid credit/debit cards anyway.

Until the entire country basically settles on a "standard" platform for digital payments, where it doesn't matter what store you're in or what phone/OS you have, you can use your phone to pay, they're just not going to take off in the way we would all prefer.

 

[groadyho]

Let's look at your list compared to mine – I've highlighted the items that can't be part of the discussion:
1) Take out bag to retrieve wallet
2) Remove card from wallet
3) Slide card into slot in ATM
4) Enter PIN
5) Conduct transaction
6) Remove card from slot in ATM
7) Replace card in wallet
8) Replace wallet in bag

#1 The reality is that most men carry a wallet in their pocket, not a bag, I would suspect. But even if that's not the case, one could make the argument that the phone is also in that backpack/bag. So that entire part of the argument is moot.
#3 You have to hold/tap your phone on the pad on the ATM, no more or less easy than sliding a card in the slot, so that part is moot.
#4 You have to enter the pin with the phone as well, so that part is moot.
#5 You have to "conduct transaction" with the phone as well, so that part is moot.
#7 have to replace your phone to wherever you keep it while driving (cmon, you don't drive with the phone in your hand, do you?), so that part is moot.
#8 See #1 and #7, so that part is moot.

So really all we're comparing here is the physical act of taking a card out of your wallet, and then taking the card out of the ATM after the transaction (since Chase makes you keep the card in the ATM the duration of the transaction on newer ATMs).

And while I am a Chase Bank debit card-holder, it is not my default card (I don't like the idea of debit cards being an open door to my bank account to begin with, so the last thing I would do is use it in "cyberspace"), which then would require thumbing around on the phone — possibly more time-consuming than simply pulling the card out from a wallet to begin with.

I would LOVE a seamless way to use my iPhone for transactions at an ATM, but I just don't see it as all that convenient the way it currently works. It's much like so many stores that accept Apple Pay. The stupid readers rarely work right (or at all), the stupid stores still want you to sign something because they're paranoid and think that signature actually holds-up as verification that you were the one that purchased something, and now we have to worry about "digital skimmers" as well.

And since 90% of places most people spend money don't accept Apple Pay (or any other digital payment method, for that matter) to begin with, you're still required to carry these stupid credit/debit cards anyway.

Until the entire country basically settles on a "standard" platform for digital payments, where it doesn't matter what store you're in or what phone/OS you have, you can use your phone to pay, they're just not going to take off in the way we would all prefer.

that's where you're wrong. With MST on my galaxy i can use it everywhere no restrictions

 

[mariusignorello]

Chase’s new vertical ATMs are cool too. Just putting cash in that big hole freaks me out in case I place it wrong. But oh well lol. The old horizontal ones support Apple Pay also which is nice.

 

[gnasher729]

No, it's much easier than that. With my iPhone 8+ set up with my ATM card as the default, just hold your finger on the TouchID and place the phone near the reader. I get a haptic, and the machine's PIN screen appears. Takes less than 2 seconds, and much faster than getting out my wallet, pulling out the card, inserting the card, etc....

Pro Tip: It works with Apple Pay on the Watch as well!

That's how Apple Pay works. But it seems that what Chase does is not Apple Pay.

 

[CaptMarvel]

The day I get a driver license I can add to my Wallet, then I'll be set.

THIS.

 

[Mark Booth]

The first part of the article states that an access code would no longer be needed. Then Chase's instructions show that a PIN code is definitely needed. The second part of the article mentions the need for a PIN code.

So, what's the magical "access code" that isn't needed? Last time I used an ATM, the card and the PIN code were all I needed.

Methinks the article needs to be edited.

Mark

 

[deeddawg]

the stupid stores still want you to sign something

Just as a FWIW it’s typically the store’s card processor who simply hasn’t updated their software. Not the stores fault.

Fewer places are requiring that as time moves on though, it seems. More of an exception now for the places I shop.

 

[mrial]

1. Take out Debit Card
2. Slide card into slot in ATM
3. Enter pin #

vs.

1. Take out iPhone
2. Unlock (if you don't have FaceID
3. Find app & launch it
4. Scroll/select Chase Debit Card
5. Tap Phone on ATM machine pad
6. Enter pin #

I guess I'm not seeing an advantage here...

Skimming has become a real problem with "slide card into slot at ATM" and not easy to detect. My card was skimmed at my bank. Others have been skimmed at the gas pump which many now has ApplePay also.

 

[Jack Neill]

I have been using ATM's like this for months at Chase's in SA Texas.

 

[Tech198]

Apple Pay adoption still has a looong way to go. Most the places I patronize still don’t accept it. And choosing to only patronize stores with Apple Pay is not realistic for me. Thankfully more Apple Pay gas stations seem to be popping up.

I’d also love for Apple Pay to integrate with my checkbook app, automatically recording my transactions. (Yes, I record all my transactions in a checkbook app.)

I would still prefer Cashless payments with my bank... It's still only a one time code, which is just as secure anyway.

As it turns out, i don't even use that.. but that is a good option.

 

[TechRemarker]

For a moment I thought Chase was finally supporting Apple Pay for their business customers but alas still need to use AMEX for Apple Pay for business credit cards. Crazy it's still not available.

 

[MyAmazingDiscoveries]

The ATMs at the BofA branches in my town were recently upgraded to include contactless readers. I was aware that you could access your debit card in the Wallet app to activate the ATM, but the machines didn't have the capability. Now they do, and it works great. Once you're in, just type in your PIN and then access the full suite of services that the ATM provides (withdrawals, transfers, make payments, etc.)



I just excoriated one of my wife's 20-something students who doesn't carry cash either. We were on a trip, and she could not tip the valet parker or the bell-boys at the hotel. I can assure you, those folks do not take credit cards or Apple Pay.

IMHO, it's still important to carry some cash with you at all times.

And when the power is out, cash is KING!

 

[Amplelink]

I'm so happy about this! The ONLY time I use my Chase debit card is to withdraw from ATMs, but I always carry the card with me just in case. Now I can leave it at home. Good riddance!

My thought exactly. Great that Chase did this. I hate carrying around a less-secure and seldom-used card.

 

[OneMike]

Between chase pay at gas stations and select restaurants and store along with Apple Pay. The places I have to enter my actual card info is steadily going down.

This is a plus.

 

[pratikindia]

These kind of card-less transaction at ATM are already implemented in China many years. Even Apple Pay was supported in many ATMs since the introduction of Apple Pay in China.

 

[dontwalkhand]

Samsung Pay use anywhere and everywhere Visa is taken. But hey, that galaxy s9+ is so insecure that everyday 100s and 1000s of galaxies are hacked and your card and identity is stolen. LMAO tin foil hats for sale here, get'em while their hot

I don’t use Samsung Pay because it requires a Samsung phone. I am well entrenched in this Apple ecosystem, with hundreds of dollars in apps alone that it literally would be too expensive to fix. Some apps are proprietary apps that were custom written for the iPhone and good luck getting work to port them for Android.
[doublepost=1533188824][/doublepost]

And when the power is out, cash is KING!

When the power is out you shouldn’t be going to stores anyway. And there’s always the knuckle buster credit card machines. How would you pull out cash from an atm when the power is out? You can’t possibly give the advice people hide it under their mattress.
[doublepost=1533188999][/doublepost]

Apple Pay adoption still has a looong way to go. Most the places I patronize still don’t accept it. And choosing to only patronize stores with Apple Pay is not realistic for me. Thankfully more Apple Pay gas stations seem to be popping up.

I’d also love for Apple Pay to integrate with my checkbook app, automatically recording my transactions. (Yes, I record all my transactions in a checkbook app.)

Can you link the actual card to the checkbook app? If you can the Apple Pay transactions should automatically fill in the app as if you were to use the card.
[doublepost=1533189074][/doublepost]

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 and dropping their idiotic CVS Pay system. I wouldn't be surprised if CVS Pay was scrapped as part of the deal with Aetna. Good riddance!

CVS Pay never worked lol! I’ve tried it once and the entire register crashed. Lol!!
[doublepost=1533189151][/doublepost]

If you still enter the PIN, what's the point? FaceID/TouchID authentication not enough?

It’s the way the ancient card network system is setup. The US DEBIT AID is programmed to always look for an online PIN, regardless what type of “card” is used, card, phone, Watch, etc. Whereas the credit AID (Visa Debit) can accept more modern authentication methods such as CDCVM, which means yes your face or fingerprint is enough. ATMs obviously will prefer the debit AID

 

[DCIFRTHS]

I've been sing this feature at Chase for a while now. I absolutely love it!

 

[Morgenland]

OMG!
Call the doctor!

 

[deeddawg]

When the power is out you shouldn’t be going to stores anyway. And there’s always the knuckle buster credit card machines. How would you pull out cash from an atm when the power is out? You can’t possibly give the advice people hide it under their mattress.

Sure, in a natural disaster scenario you stay home.

On the other hand, localized power outages (or more frequently, system/network outages) result in situations where having some cash on you makes the difference between making your purchase or leaving empty-handed. So yes, I typically have a bit of cash with me anytime I'm out.

While hiding cash under your mattress is probably not the wisest place, IMHO it's pretty naive not to keep *some* cash in a secure location at home.

 

[I7guy]

Sure, in a natural disaster scenario you stay home.

On the other hand, localized power outages (or more frequently, system/network outages) result in situations where having some cash on you makes the difference between making your purchase or leaving empty-handed. So yes, I typically have a bit of cash with me anytime I'm out.

While hiding cash under your mattress is probably not the wisest place, IMHO it's pretty naive not to keep *some* cash in a secure location at home.

The definition of “some” is wide and varied. A friend walks around with $10k in his pocket. Not anything I would do.

 

[deeddawg]

The definition of “some” is wide and varied. A friend walks around with $10k in his pocket. Not anything I would do.

Yes, and I was intentional in that. What makes sense for an individual or family to keep on hand in hard cash depends on their specific situation/needs, same for "carry" cash. I can't imagine that carrying around 10k on my person would be any benefit, and would likely be far more of a liability in making me a target -- or making for some interesting explanations to a LEO if discovered.

 

[dontwalkhand]

The definition of “some” is wide and varied. A friend walks around with $10k in his pocket. Not anything I would do.

Does he not know what a debit card is for?