Apple Pay has always worked as advertised. It works all over the world, secures your real CC#, and can't be used if someone steals your phone. I've loved it since the first time I used it, and nowadays I'm highly annoyed when stores (mostly Home Depot, Lowes, and Walmart) don't take it.
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Apple Pay Promoted as More Secure Than Credit Cards in Three New Ads
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I do. My physical card has been "altered" with a $0.50 USD piece of sandpaper. No mag-stripe, CC number, Expiration date, CVV code and Name. Obviously, store this info in a secure place [password manager] before altering. It's a chip card and if it were lost, the most that can be done is to dip-the-chip or tap-to-pay. I have a 6-digit PIN (Wells Fargo) that protects me from "some" debit transactions. Yes, it's not foolproof, but it does minimize my attack surface.
Also, it lives in my wallet in a nice aluminum foil wrap to keep it from being accessed wirelessly by hooligans. So far so good. 8+ years since my number has been compromised.
It only presents an issue when I visit the handful (literally) of places that don't accept AP or contactless. For those merchants I have two choices: 1) Don't patronize them or 2) Carry cash if I really like their products [i.e. "...they have the best hamburgers, pizza, etc."].
Why the extreme of removing the mag-stripe and printed information?
Mag-stripe - It's not encrypted and it's trivial to clone.
Other information - Think about it, when your card is out of your custody it's simple for anyone to snap a picture of the card information and thus "use" the card as a CNP (Card not Present) type transaction. Even your card sitting on a counter while you wrap up your purchase provides an opportunity to have a photo snapped of the card information.
Now excuse me as my tin-foil hat needs adjustment. <wink>
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In the US. I don't have an iPhone. I still use a credit card!
Tap to pay with a card - no.Yes tap pay is more secure then swipe or chip pay for physical cards and for your iPhone
Tap to pay with Apple Pay - yes.
Insert chip - ok but not as secure as tap to pay with Apple Pay.
Most of the restaurants we frequent are not a Burger or a Chicken World. Thus Apple Pay works at these more upmarket places where one sits at a table to eat, or in better places, dine. When asked if I am"Dining In" at the quick food places, I reply yes I am eating in as this is not a dining establishment.
I still carry both a debit and a credit card for those places Apple Pay is not accepted. Unfortunately banks are still needed as a source of worthless pieces of paper with numbers printed thereon called cash. The printing presses are full tilt creating even more of this paper depreciating the purchasing power by the minute.
The fact that the Apple Watch can now stand alone is great for Apple Pay when I leave the iPhone at home by mistake.
I still carry both a debit and a credit card for those places Apple Pay is not accepted. Unfortunately banks are still needed as a source of worthless pieces of paper with numbers printed thereon called cash. The printing presses are full tilt creating even more of this paper depreciating the purchasing power by the minute.
The fact that the Apple Watch can now stand alone is great for Apple Pay when I leave the iPhone at home by mistake.
I love using ApplePay. It bothers me that some national chains (Walmart, Kroger, Home Depot) are ignoring contactless payments.
Maybe because you purchased from an app it worked like that for you...? It happened to me when I made an in-person purchase and used a card via apple pay. There was no other way to connect the purchase to me. When I went back in to return the item with no receipt, I tried using the card, and they had no record of the transaction. I don't remember if I tried the apple pay card or the physical card when I returned, but either way, there's definitely some limited convenience at the cost of more secure transactions, which I guess is generally the case.
That's pretty much the exact inverse of my situation. I almost always have my iPhone with but rarely my wallet. I'll pull a single physical card out of my wallet if I know I will need it. Unfortunately at Fred Meyer (i.e. Kroger), Home Depot, and Lowes I need my credit card, and at Winco or the cannabis store I need my debit card.
Come to think of it the only place I regularly shop and get to use Apple Pay is at the liquor store... 🤨
Some sports books accept Apple Pay, though I selfishly wish they didn't. I didn't need an easier way to deposit there.
Contactless payments have been the norm for Australia for at least 10 years. Vendor's don't know need to accept "apple pay" or Google pay, just contactless payments which every eftpos terminal does.
It was insane on my trip to the US how it barely existed. It didn't make any sense. how can they be so far behind?
It was insane on my trip to the US how it barely existed. It didn't make any sense. how can they be so far behind?
I guess you don't know that Apple Pay/Samsung Pay/etc. are all implementations of Tokenization standard by VISA and Mastercard.
The Token Transformation
Visa’s tokenization technologies empower banks, merchants and the wider payments ecosystem to boost authorization, drive innovation and new digital commerce.
Apple's role in this is ensuring that the user is present by biometric or pin authentication. They didn't invent this on their own.
In case this wasn’t on purpose (and if it was, then for others that might be misled by the incomplete statement):
Touchless payments over NFC that are validated via biometrics validation and via a secure one time use only encrypted key generated for the ongoing transaction did not exist before. Aand for sure not ‘by at least a decade’.
I’ll also emphasize, on credit cards NFC chips it still DOESN’T EXIST today. And if it did (and somehow we never got access to), well, it wasn’t as convenient or as explained up until Apple on its own keynote introduced it several years ago.
And just in case, no, NFC transactions via credit card taps aren’t remotely as secured as going through Apple Pay. Example, it isn’t possible to wave a POS terminal close to your pockets to trigger some successful transaction… with credit cards chips it’s an ongoing scam.
That’s why I only use Apple Pay and who at places that Apple Pay is available to use. It’s safe and easy to use. And that’s what I love
And they attack and try to kill it because doing it themselves, putting in the work is hard... It's easier to sue and kill it than work to equal it, or better it. Society tends to tear down those that excel. Tall people are ridiculed, beautiful people are tortured, and great products are attacked and either killed, or the core is ripped from it and stomped on in the public square. Why? Capitalism? Wow...
QR Codes suck. If that is the 'competing technology', then the planners are likely using crayons and finger paints. It's easier to sue, it's easier to slam, it's easier to lie about it...
And so many outlets so refuse to deal with Apple Pay that they have some up with their 'solutions', and they are a flat out joke! Walmart/Sams Club, Kroger, Home Despot, etc... Good grief! If Walmart prices were really that close to wholesale, how is the Walton family making billions of dollars off the stores? And they are angry about paying a small fee for taking Apple Pay? And Costco won't take anything but Visa*? Yikes...
* It's the only card I carry that they will take...
Yes. Apple Pay is secure as all card information is not given to the merchant.
Right. This is why the attack vector is the payment processor Apple Pay charges to use the wallet. It’s already possible to use the contactless tech your phone uses to as a terminal to charge a locked iPhone using the limited encryption credit card processors use in a few seconds, if impractical by a common thief today. It’s more probable with regular cards since it’s not NFC. So Apple blamed Visa, Visa says it probably wouldn’t happen in the real world because they detect fraud. Until someone puts a device in a purse and walks through a subway station charging everyone within three feet $1000, or charges a stolen iPhone $1000.
LOL I love it in casinos they have the 1800GAMBLER sign and then every way known to man to access your money
I believe that everyone that has access to use Apple Pay signed an agreement and is/was aware of how it works. Reread the documents and just the black parts on the page called words. Those are the actual parameters, not the ones we think are there.
The solution is actually real simple. If one does not like the actual words in the contract they signed, cancel the card and delete the Wallet.
The solution is actually real simple. If one does not like the actual words in the contract they signed, cancel the card and delete the Wallet.