I see the humor in your statement, but on a serious note... I have forgotten my wallet at home before and stopped for gas somewhere I knew I could use Apple Pay.
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Apple Pay Now Available in 10,000+ U.S. 7-Eleven Stores
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Yep, I look forward to visiting family in Canada -- where I really can walk out the door without cards, have a night out, and pay for everything with my phone or watch with no problem. In the U.S., I couldn't confidently leave the house without plastic unless I planned ahead and knew I was only going to a select few retailers I frequent that accept contactless payments.
Merchant fees in the US are much higher than elsewhere, so it's no surprise that cash is preferred for smaller purchases. In fact, many places will charge you extra for card use or outright not let you use one if it's under a certain amount (usually $5-10).
This is also a big part of why contactless support has been slow to roll out, IMO. Having it would make it so that cards are used more, which would cost the store more money. Visa/MC should just bite the bullet and offer, say, a 50% discount on interchange for NFC transactions.
Samsung Pay has the magstripe emulation feature, which lets it be used in places without NFC. That's probably why it looks like places don't support Apple Pay but support others. (For comparison, Google Pay is also NFC only and will work. only at places with NFC enabled.)
If you do it that way, you miss out on the look of astonishment that sometimes still sweeps over the face of the unsuspecting cashier.
That's just the business aspects. Walmart are pigs.
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ARCO stations in California now take Apple Pay. Yay!
Sorry, had to LOL about not planning to be pulled over. No one plans on that.
I witnessed an accident and I (among others) pulled over to help them and the officer who arrived on the scene asked for licenses to keep track of witnesses. If you ever buy alcoholic beverages, you need an ID.Do my eyes deceive me, or this actually an article about Apple Pay that isn't a list of 50 more banks that have been added?
Yes, unfortunately I believe they’re still limited to debit cards. At least where I’ve been. But at least with Apple Pay, it’s reasonably secure.
Heh, nope. We’re only just *now* getting chip cards. Mind you, *not* chip and PIN. Just chip. Retailers here fight even the chip readers, let alone the tap terminals.
Great, now I can go up to the warming machine that hasn't been cleaned this millennium, select the one taquito that's been in there for at least two weeks, and use my watch to pay for it. Wonderful.
Also, can we stop with the "I can't believe the US is so slow. In country X it's so much better," posts? Look, we get it. But we go through the same thing every single time a new vendor announces Apple Pay support. Don't believe me? Go have a look at the Costco story from a few weeks ago.
Also, can we stop with the "I can't believe the US is so slow. In country X it's so much better," posts? Look, we get it. But we go through the same thing every single time a new vendor announces Apple Pay support. Don't believe me? Go have a look at the Costco story from a few weeks ago.
I know of stores that just recently switched BACK to requiring a signature. Apparently as soon as they stopped requiring them they got a ton of people coming in trying to dispute charges. Most of the time their kids stole the card and racked up a bunch of crap. The stores found the argument ended a lot faster when they could show a signed receipt when mommy came complaining.
Most chain stores I frequent have loyalty programs that have actual rewards and discounts. That's a more direct and open way to get tracking data-- pay the consumer for it.
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By 2118, humans will have cybernetic implants, and will plug in rather than eating actual food. The Apple Watch and iPhones are the first step down that path. Fair warning!
Hmmm...sarcasm or honesty? I think former.
The only place I would REALLY love to use AP is at gas stations (at the pump), where CC info is ripped off daily from card scammers. But, I've yet to see a pump that takes AP.
I've seen some discussion elsewhere indicating that a number of chains are at least starting to deploy it. Probably be more common in a year or so.
https://www.reddit.com/r/apple/comments/8icjxf/apple_pay_at_the_pump_for_gas/
Apple Pay works if your terminals accept contactless cards, but the company can invest time and money to disable it. Don't ask me why they would do that. I don't care _too_ much about Apple Pay, but if I found that a company actually spent time and money to stop it from working, I'd be angry.
Went over a case study on 7-11 and its parent company a few months ago. Here in Japan, it's a much better experience than in the states, with additional services.
[doublepost=1536708454][/doublepost]Great, will it actually work reliably now? 90% of the time when I try to use ApplePay it fails and I have to pull out my wallet.
7-Eleven today announced that Apple Pay and Google Pay are accepted at nearly all of its 10,000+ locations across the United States, following a rollout that began in August.
While many 7-Eleven retail locations have already started accepting Apple Pay, the rollout will continue throughout the month of September until "most U.S. stores" support the payments service.
"The ability to pay with their smart device gives consumers one more reason to shop at 7-Eleven," said 7-Eleven CDO and CIO Gurmeet Singh of the Apple Pay launch.
7-Eleven also highlighted some of the technology improvements that it has introduced recently, including the 7-Eleven NOW app for placing on-demand orders with Apple Pay as a payment option, the 7Rewards loyalty program that allows customers to earn points for purchases, and the 7-Eleven Bot on Facebook Messenger to allow customers to get quick answers to questions.
Apple CEO Tim Cook first announced in July that Apple Pay support would be coming to 7-11 retail locations in the United States, and the wide availability of Apple Pay at 7-Eleven comes just in time for the launch of Apple's new 2018 iPhones.
To use Apple Pay at 7-Eleven stores, customers will need an iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, or X, and/or a compatible Apple Watch model.
Along with 7-Eleven, popular drugstore chain CVS, once an Apple Pay holdout, is also expected to begin accepting the payments service this fall.
Article Link: Apple Pay Now Available in 10,000+ U.S. 7-Eleven Stores
At least half the time when it DOES work, it asks me all kinds of questions that take just as long as if I'd pulled out my card.
For these reasons, ApplePay is a complete failure for me.
EMV deadline for retail was Oct 2015. That's why we've seen an increase since then. For gas stations the deadline was supposed to be Oct 2017, but has been delayed to 2020. I think most gas stations are delaying a hardware upgrade as long as possible.
https://krebsonsecurity.com/2016/12/visa-delays-chip-deadline-for-pumps-to-2020/
I doubt this is happening in any large numbers. At best they'd be able to block all mobile wallets (likely by looking for the data indicating that CDCVM was used), not specific ones. And even then, it's not 100% reliable; for example, US issued AmEx cards in mobile wallets use an older magstripe-based mode that generally doesn't allow CDCVM.
Also, even if doing so were 100% reliable, I'm pretty sure it's against card network rules to do so. What would be the point, anyway, especially when retailers aren't paying Apple/Google/Samsung/etc. anything for mobile wallet transactions?
That said, retailers in the US do have incentives to disable contactless entirely, as many are so acutely aware. It just so happens that contactless and mobile wallets are effectively one and the same due to the lack of contactless cards, so doing so would likely not impact non mobile wallet users.
Gas stations are usually franchised and don't make anywhere near huge profits (most of the latter comes from inside sales, even). It's no wonder they're holding off on large capital investments for as long as possible.
FWIW, I think Shell, Arco and ExxonMobil will end up getting all of their stations EMV enabled by 2020; the hardware is basically all there already. As for the others...yeah.
BTW, Safeway gas stations of all places are already EMV enabled outside. No contactless readers outside though, but AP inside the convenience store works.
Have you seen any cards with chip that do not also have the magnetic strip that makes cards insecure?
They're actually not uncommon in Europe, where they've had 100% chip acceptance for quite a long time. Unfortunately it might be a while for that to happen in the US.
That's not possible. Apple and Google Pay are interchangeable in-store. You must be thinking of Samsung Pay.A Safeway near here used to have Apple Pay, then they got rid of it and now only have Google Pay.
It boggles the mind.