Wasn't Samsung Pay designed with LoopPay technology and works almost anywhere? Thereby making it higher %?
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Apple Pay Now Supported by 36% of Merchants in United States
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Contactless cards use the same EMV protocol that Apple Pay does. The main differences are not needing any form of authentication for smaller purchases and the use of the same card number as what's on the front.
Require PIN for every tap of the physical card and the main security issue would likely go away.
How the card's authorized has nothing to do with the payment method. It is totally possible for transactions to be authorized offline contactless and submitted at a later date, for instance.
Also, a strict interpretation of the EMV specification requires the card to be in the reader the entire time, even if the terminal dials out at the time of the transaction. However, Visa came out with something called Quick Chip that's supposed to let people insert and remove while items are still being rung up (mainly by sending a fake amount to the EMV chip and skipping issuer script execution).
I'd be fine with the sound if they gave me an extra half a second to a second to remove the card before it started playing. Most places just play it right away, unfortunately.
Perhaps it's the smaller stores not adopting as quickly as others. My go to stores in my area have adopted and others haven't. But it is growing exponentially.
I keep getting confused by Apple. Can it be used at any NFC tap and pay terminals like tap and pay credit and debit cards or does a retailer have to be set up specifically for apple pay? If its the later wake me up when it's at least 70%. 36% is a joke and not worth exposing your credit card info more than it already is. Tap and pay with a credit card is faster and easier anyway. Since we are still in a time that we need to carry a wallet I see no real value to these android/apple/samsung etc pays.
All of McDonald's=1; as they say, they surveyed "more than 500 top North American retailers". My local non-chain liquor store accepts it. My local hardware store accepts it, although they are probably supported through their Ace affiliation (Ace is not a chain, but a co-op). All my local supermarkets support it, although they are indeed chains. I live west of Boston, BTW. Several of these retailers have picked it up within the past year.
I'd like to see the specifics of this "survey". I'm wondering if it's just based on hardware purchases - POS devices which are capable of NFC payments, but which may or may not have been enabled for that.
In my area I've been able to use Apple Pay at a number of shops... but I also see quite a few which technically have the hardware but basically don't have the NFC part of it turned on. It's quite frustrating.
In my area I've been able to use Apple Pay at a number of shops... but I also see quite a few which technically have the hardware but basically don't have the NFC part of it turned on. It's quite frustrating.
Arco takes Apple Pay at their pumps. Sometimes it doesn't work though, and it asks for a PIN.
Interesting... thanks for sharing. I knew other gas station apps require you to input your checking account number and they actually do direct withdraws from you (thus avoiding CC fees, but with the crazy risk that your bank account info is on their servers now.) I figured Speedpass did the same thing. Maybe I'll download it and try it out next time I fill up at an Exxon.
Funny that I'm talking about paying for gas when I'm hoping to get an EV within a few months...
[doublepost=1486503132][/doublepost]
Not familiar with that chain. Looked them up - they're in the Southwestern US while I'm in the Northeastern US. I actually remember seeing their convenience store (AM/PM) while in LA but the name/logo of the company is so bland, if I ever saw it, I've totally forgotten about it.
I live in Podunk and only a handful of businesses support it. Some don't even know they do and when I get it to work they are shocked.
Most other businesses don't or won't like Walmart but a like support google.
[doublepost=1486504826][/doublepost]If they want Apple Pay to take off they need to create the ability for me to pay someone else with Apple Pay. That would be great for local sales and Craigslist. Right now I have to pay people using PayPal.
Most other businesses don't or won't like Walmart but a like support google.
[doublepost=1486504826][/doublepost]If they want Apple Pay to take off they need to create the ability for me to pay someone else with Apple Pay. That would be great for local sales and Craigslist. Right now I have to pay people using PayPal.
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Apple Pay is just like Apple Maps- Its useless. (if its not perfect)
Still miss the real Steve
I use it when I can. It's actually perceptibly faster than the chip readers, but not quite as fast as a swipe.
I find it strange that the US is only just introducing Chip, the U.K. has had this since 2005, and contactless payments are now the norm, pretty much 100% of the stores I visit I use Apple Pay all the time.
And Apple Pay ATM's for cash withdrawal are now available in most places.
We just have the issue with it being limited to £30 due to banks issuing contactless cards many years ago which have no security other than a spending limit.
Precisely why there are a select few places I go when I forgot my wallet and need to pay with the phone...
My understanding is that Apple Pay is accepted at any NFC terminal, and is actually way more secure than tapping your credit card as Apple Pay doesn't expose any of your card info.
I don't know the figure but I'd guess the UK at being way over double the 36% quotes for the US with regards to Apple Pay, I literally use it everywhere. We even have NFC ATM's which accept Apple Pay.
Went to about 6 outlet stores for my Xmas shopping. All except the little juice stand in the store accepted Apple Pay.
In the small Mom and Pop stores, sometimes you just have to reach over and "wave" the phone over the credit card machines and it takes. Surprising even the owners.
What I hate though is that they still make you sign the receipts. I just write X.
In the small Mom and Pop stores, sometimes you just have to reach over and "wave" the phone over the credit card machines and it takes. Surprising even the owners.
What I hate though is that they still make you sign the receipts. I just write X.
Not *quite*.
There are still a few large chains - like CVS - where they do accept contactless payments, but go out of their way to *block* ApplePay. It's an astonishingly ridiculous business decision turning down customers while they attempt to *give you money*, but there you are.
I am still waiting to try it out for the very first time - and this is in Seattle. I just don't see it during daily life.
22 percent of retailers who don't currently support Apple Pay said they plan to accept the payments service within the next 12 months,
That statement is technically incorrect. It's 22% of all retailers, and 34% of those who don't currently use it, who plan to adopt it within 12 the next months.
I use it all the time, I wouldn't say it's revolutionized my shopping experience or anything but just having your recent purchases a click away is useful.
Perhaps this might shed some additional insight:
UK’s Lessons For US Mobile Payments Adoption
From article:
OK, you say, so all we need to do now is hustle up and get contactless POS terminals out there in massive force.
If it were only that easy.
In the U.S., there simply aren’t the same dynamics in play.
Two million contactless terminals today sounds like a great start — until you do the math. There are something like 13 million POS terminals across a massive geography that is the United States, not including mPOS devices.
The U.S. is also a market in which there are 1.2 billion payments cards in circulation, more than 47 billion debit card transactions, more than 26 billion credit card transactions and 209 million adults over the age of 18.
Oh, and something like 14k financial institutions that issue those cards and countless merchant acquirers and ISOs all hawking merchants to deploy new terminals.
It’s a whole lot harder to wrangle this ecosystem to the ground given the diversity of merchants and the engrained plastic card habits honed by consumers over the last 50 or so years.