My understanding is the United States has a zero floor limit now, as a consequence of Dodd-Frank. Because you can make the bank deny overdrafts caused by debit cards, and due to the prevalence of prepaid cards, the merchant must perform an authorization with the transaction amount or else they will be liable if the transaction doesn't settle. Only very specific merchants, like transit systems, are exempt.
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Apple Pay Now Supported by 36% of Merchants in United States
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My understanding is the United States has a zero floor limit now, as a consequence of Dodd-Frank. Because you can make the bank deny overdrafts caused by debit cards, and due to the prevalence of prepaid cards, the merchant must perform an authorization with the transaction amount or else they will be liable if the transaction doesn't settle. Only very specific merchants, like transit systems, are exempt.
At least BJs brewery and grill restaurant allows you to pay for your bill with their online app which in turn accepts Apple Pay. It was nice since I could leave a tip and never give my card to the waiter.
I wasn't implying in my previous comment that the US did offline authorization, actually. Far from it. (In fact, the US has been 100% online authorization even before Dodd-Frank.)
Some countries, however, do allow offline authorization of contactless payments. It's actually a big reason why they're so popular in the UK, for instance.
I don't want the cashiers putting their disgusting hands on my credit/debit card. Just get out of the way and let me pay.
Yes, Samsung Pay fools the magnetic reader into believing the phone is a standard non NFC card. Obviously also works with NFC too, so Samsung Pay is a clear winner here.
But we live in a post facts, post truth world ;-)
Blame the retailers; chip can actually be close to the same speed as swiping if desired. I mean, Walgreens was able to do it no problem.
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Safeway and Kroger still aren't, unfortunately. On the other hand, a Grocery Outlet just opened across the street from Vons and they take AP.
As for restaurants, I really don't see them accepting it. The chip-enabled ones I've been to still take cards away from tables, making Apple Pay impossible.
Really wish our restaurants would catch up to everyone else.
Give them time. Six years ago in Toronto restaurant servers brought portable card terminals to the table for me to swipe & sign. My card never left my possession. With the same size terminals now accepting Apple Pay there's no technical barrier to adoption.
On many of the Verifone models, the sound is just a WAV file that is capable of being changed.
At a RiteAid near me, they've replaced the stock "error tone" at the end of the transaction with a WAV of a lady instructing you to remove your card.
I've been pleasantly surprised with some independent places taking Apple Pay around Atlanta. Liquor store, a couple mexican restaurants (pay at the register type places), office building cafe.
Quiktrip takes it indoors now, pumps will be a few months or so. Chick-fil-A surprised me, I thought they were pushing their own thing, but they take it. Sprouts and Trader Joes both take it, as does Pep Boys. Still not at Publix or Kroger though.
I virtually never go to Walmart and also virtually never use a drive-through, so they've not been a concern.
As to the register drivers -- I generally just tell them credit if they don't figure it out by the image of a credit card displaying on my Apple Watch.
Our local CVS stores changed to a nice happy chime after everyone complained about the horrible stock beep (which yeah, does sound like an error. What programmer came up with that?)
Eh, I've actually been to enough chip enabled restaurants that I have a good idea how most will go. Here's how one restaurant I went to recently set up their wired terminal:
As what our great president with the funky hair may say, this is "fake news" and we may really take "alternative facts" into account. Survey is completely false. Samsung Pay should really be on top of the list as it is accepted at practically most terminals
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Yeah, I really don't know how this survey was conducted.
The last time I tried one there (not ApplePay - a real CL card) it worked, but it has been a while since I tried. It's conceivable that either they have turned CL off since I tried or there's a difference between your CVS and mine.
I'm pretty sure that would be a bad idea given the general lack of either maturity or decorum...