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On this very forum I always get served up an ad for the Ridge Wallet, a slim physical wallet. Really? In the age of smartphone payments your touting how your slim wallet solution is better than the old fat wallet you have? Umm, wallets are going the way of the dodo bird, dude.

I wish. Still have to worry about IDs... drivers license, passport card (if you're in a border state like me), have my MTA pass (that'll soon be unnecessary), and then random BS like my insurance card. Some states are rolling out digital photo IDs... but I won't jump aboard that until I can transfer its details temporarily based on proximity without handing over my phone. But that brick solid ridge wallet can take a hike. It already sucks to sit on soft wallets, who wants a hard one jamming into their butt cheek?
 
I wonder what the percentage is in Canada. I bet its even higher, as NFC terminals have been around for years vs the slow uptake in the US.
 
That is why do many places don't accept apple pay, apple gets a cut. Apple are themselves slowing the adoption of it by being a middleman.
Even if the Apple Pay fee were passed on to merchants by card issuers, and my understanding is it’s not, it’s a minuscule fee, reportedly something on the order of 0.01% if my memory serves me (possibly subject to negotiation between Apple and the issuing bank). If your business can’t sustain that loss in margin, that speaks to far deeper issues.
 
I just don't understand how they come up with the 70% of retailers statistic. I live in Phoenix, AZ (USA), one of the largest cities in the country... Apple Pay is nowhere to be found, in comparison to places that don't have it. Yeah, McDonald's, Whole Foods, Starbucks, random other coffee shops. That's about it. No gas stations, no grocery stores (beyond Whole Foods), no Walmart, no Target, very few stores in malls.
There appear to be regional differences. With the notable exception of Walmart, Apple Pay now works in the majority of places in the Bay Area. Target has started supporting Apple Pay earlier this year, and it does work in the stores around here. It's also supported at many grocery chains (such as Safeway in CA), pharmacies (e.g. CVS and Walgreens), Best Buy stores, most department stores, and many small retailers. Contactless payments at the pump at gas stations are still rare though (but I don't notice it since I drive an electric car ;)).

I was also traveling in Germany two weeks ago and Apple Pay worked practically everywhere (just ask them about "kontaktlos").
 
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Interesting. I didn’t know that Starbucks had a system.
When I used to drive past a SBX close to my office, it was pretty handy to set up an order for a breakfast sandwich as I got in my car then trigger it at a stop light near the store. Walk in and pickup my sandwich without waiting in line.

Office moved a couple years ago though and haven't been to a starbucks since.
 
That seems like a weird comparison to make, but as long as it has been made, it actually to me makes Apple Pay sound less popular than I would have guessed.

If I understand this right, only slightly more people use Apple Pay, which is a way of using almost any credit card for any purchase at any location, than use the Starbucks mobile order app at Starbucks cafes.

That means out of the virtually endless places you could use Apple Pay, about the same number use the Starbucks mobile app to pay at a single store.

I don't see that as a winning statistic.
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Boy, if being the #1 mobile payment solution isn’t a winning statistic... because #2 is a coffee company- think how rough it must be to be one of the other guys, coming in at #3, 4, or 5 behind them!
 
I wish. Still have to worry about IDs... drivers license, passport card (if you're in a border state like me), have my MTA pass (that'll soon be unnecessary), and then random BS like my insurance card. Some states are rolling out digital photo IDs... but I won't jump aboard that until I can transfer its details temporarily based on proximity without handing over my phone. But that brick solid ridge wallet can take a hike. It already sucks to sit on soft wallets, who wants a hard one jamming into their butt cheek?
Digital ID cards use barcodes, which an officer would just scan. No handing phones or fancy technology required.
 
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What a horrible milestone. I want to use Apple Pay 100% of the time on my watch. I want to say good riddance to chip cards at a time when chip cards are absolutely slowing down all transactions in all stores.

But to this date, Apple Pay has still ever only worked for me correctly in Walgreens and airport newsstands. These are the only stores that don’t require a pin.

70% of the time I can’t even use it at all. I’d like to see some laws requiring all digital payments to be accepted whenever a store tries to do ANYthing related to digital payments or rewards programs.
I use Apple Pay all the time in the U.S. and have never come across any PIN requirements at all. What retailers ask for a PIN?
 
I use Apple Pay all the time in the U.S. and have never come across any PIN requirements at all. What retailers ask for a PIN?
It does if you use a debit card at some stores, like Safeway
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For those wondering about the Arizona mobile drivers license, since we were on that topic earlier. It’s rolling out in December 2019.

The app will also replace your car registration.

buses and trains will also have another app that replaces your physical pass.

Drive a Tesla or a newer car with an app, and now don’t even need keys. Literally leave with just your phone

These apps plus Apple Pay means yes you can leave the house without a wallet, at least in Phoenix.
 

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You can use Apple Pay or any other contactless technology at 99.9% of payment terminals in Australia. Essentially all stores, restaurants and cafes. Even trains and busses. How contactless payments are still niche in the US is crazy to think.
I agree. I think contactless payments in the US were delayed for a couple of years by the now defunct mobile payment system called CurrentC which was created by a consortium of retailers known as the Merchant Customer Exchange. CurrentC was announced in 2012 and was backed by several major retailers (including Walmart, Target, Best Buy, Lowes, and CVS). This system gave a lot of benefits to retailers but very little to consumers. When Apple announced Apple Pay in September 2014, a number of retailers refused to accept Apple Pay as they were waiting for CurrentC to launch. To make a long story short, CurrentC underwent a small, public beta test in 2015 and early 2016 then it quietly died in June 2016. I believe CurrentC greatly slowed the adoption of Apple Pay between 2014 and 2016 but Apple Pay is finally starting to take off (especially since the launch of Apple Card). I know I had only used Apple Pay a couple of time before I had an Apple Card but now it is my primary way of paying for things.
 
I don't understand this. Does Apple Pay have to be individually accepted by a store in the US? In Europe you can use Apple Pay anywhere where there is a contactless option, which is almost everywhere...
First, you have to understand that contactless payment is still not widespread in the U.S. unlike the rest of the world. Even when you find it chances are it isn't working correctly. Because of this many American posters seem to think Apple Pay is something special, an add-on, rather than taking advantage of the technology that is in widespread use everywhere else. So read this thread with that in mind. Many of the American posters don't understand the technology simply because they don't have access to it.

If I were in American retail I would be pissed at the archaic payment systems still widely in use. Meanwhile, in the rest of the world...
 
You realize that Starbucks started their card program in 2001, a nice 18yr lead
 
Surprising reading through this. I live in the uk and nearly all my payments these days are Apple Pay. The only thing that lets it down is a lot of retailers have a £30 limit on contactless forcing you to use your card for larger purchases however even this limit has started to be lifted from some retailers. Restaurants, groceries, fast food, petrol station, gift shops, literally everywhere accepts it. It’s nice to be on the front foot for a change.
 
First, you have to understand that contactless payment is still not widespread in the U.S. unlike the rest of the world. Even when you find it chances are it isn't working correctly.

I'm unsure where in the US you live (or when you last visited if you live elsewhere), but this really doesn't match my experience here.

Apart from certain known holdouts listed elsewhere in the thread, I'm finding contactless/ApplePay acceptance to be getting common - especially among smaller chains and independent merchants.

There's certainly plenty of room for continued growth in adoption, particularly with sit-down restaurants which haven't moved to mobile terminals and gas-pump readers (though we're starting to see them). Still, it's not nearly as limited as your post might convey.
 
Too bad it’s a credit card, I would defintely indulge in prepaid debit or something
Cause: 24% more spending YoY

Same old bs replies about the Apple Card. Use it like you would a debit card! Need gas? Spend 20 on Apple Card and instantly schedule payment from your bank. I have scheduled payments on some if my credit cards for 5 or more consecutive days. I mean use your head for more than a hat rack.
 
Apple pay on Apple Watch is absolutly sweet!
I can easly say that about 75% of my transactions at brick and mortar merchants are through Apple Pay on the Watch now a days.

Hoping for more gas pumps to adopt.
 
I went to lunch at a Tender Greens located in a nearby mall just now. (They apparently support chip cards now, BTW. This wasn't the case a couple weeks ago.) The person behind me tapped with his watch after I paid for my food, presumably because he saw me do it (he was trying to figure out where on the MX915 to tap, so it looked like he didn't do it often).

Afterward, I went to 85C (Asian bakery/coffee shop chain) and saw no fewer than four other people pay for their stuff with their devices while I was waiting for my drink. Three of them in a row, even!

So yeah, while Apple Pay definitely took a lot longer than it should have to be adopted, it's picking up. That said, given the area the mall is in (near a major university/tech hub), it might not become completely ubiquitous until the current generation of kids start spending money.
 
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Contactless card transactions in Australia are limited to $100aud. However, if you pay for something above that amount, you can still make a contactless transaction, you just need to enter your pin as well.

To be honest, most of my Apple Pay transactions are for incidentals, so I can’t remember if the $100 limit applies to them.

In Sydney i use my iPhone for virtually every payment, with no apparent upper limit. Before my X purchases over $100 needed a pin code, but since Face ID a pin isn’t needed in 80% of outlets, some still ask for it. Unsure if different banks have different rules.
 
First, you have to understand that contactless payment is still not widespread in the U.S. unlike the rest of the world. Even when you find it chances are it isn't working correctly. Because of this many American posters seem to think Apple Pay is something special, an add-on, rather than taking advantage of the technology that is in widespread use everywhere else. So read this thread with that in mind. Many of the American posters don't understand the technology simply because they don't have access to it.

If I were in American retail I would be pissed at the archaic payment systems still widely in use. Meanwhile, in the rest of the world...
Not as widespread is pretty subjective. I use it an easy 95% of my day and I'm in the US. Of course rural Iowa is going to be different than San Francisco.
 
Is there some sort of patient on Magnetic Secure Transmission (MST)? I wonder why more manufactures aren't using it. My work phone is a Samsung S9+ and Samsung Pay has saved me many times where I couldn't use Apple Pay and my wallet was miles away. Gas stations, Walmart, Food Trucks, Parking Terminals etc.
 
Is there some sort of patient on Magnetic Secure Transmission (MST)? I wonder why more manufactures aren't using it. My work phone is a Samsung S9+ and Samsung Pay has saved me many times where I couldn't use Apple Pay and my wallet was miles away. Gas stations, Walmart, Food Trucks, Parking Terminals etc.

Yes.

Also, why should Apple and others adopt something that gives merchants an excuse not to enable contactless? Not to mention that in my experience, Samsung Pay is definitely not 100% reliable or nearly as good of a UX as Apple or even Google Pay. (For one thing, you have to explicitly tell the device to start and stop MST/NFC because it can't tell when you've actually paid.)
 
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