Apple pay question

impulse462

impulse462

macrumors 68020
My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
 
Your card issuing bank needs to support it.

My bank will be supporting their MC/Visa cards first, with AmEx rolling out later. So they don't even have to do it all at once.
 
TraceyS/FL said:
My bank will be supporting their MC/Visa cards first, with AmEx rolling out later. So they don't even have to do it all at once.
Click to expand...

Where did you hear that AmEx is rolling out later?

AmEx is its own bank so all cards that you get directly from them should in theory be supported.
 
impulse462 said:
My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
Click to expand...

Every VISA card will not work. It depends on the financial institution that issued the card, which has to support tokenization. That is, your credit card number is converted to a token in your device. The token is submitted to the merchant and, in turn, to the credit card network and then the issuing bank for approval and back to the merchant (all that happens in seconds while you hold your iPhone 6 up to the NFC card reader at Walgreens). The token is mapped back to your actual account number as part of the process, but only tokens are transmitted back and forth.

So if your issuing bank is not yet part of the tokenization payment process, it likely will not be able to be Apple Pay compatible. The card BRANDs (i.e. VISA) support tokenization, but the banks have to as well.
 
JayLenochiniMac said:
Where did you hear that AmEx is rolling out later?

AmEx is its own bank so all cards that you get directly from them should in theory be supported.
Click to expand...

If you read what I wrote - I was referring to *my* bank. Their Amex cards will roll out later - and I read it on the banks website.

https://communities.usaa.com/t5/USAA-News/Power-of-USAA-Coming-to-Apple-Pay/
Can I add my USAA Bank card to Apple Pay?
All USAA MasterCard (debit and credit cards) and Visa accounts can be used with Apple Pay later this fall. USAA American Express will be available at a future date.
Click to expand...
 
JayLenochiniMac said:
Where did you hear that AmEx is rolling out later?

AmEx is its own bank so all cards that you get directly from them should in theory be supported.
Click to expand...

AmEx is already on board with Apple Pay.

http://www.forbes.com/sites/greatsp...y-notes-american-express-visa-and-mastercard/

They do have banks issue AmEx branded cards, so depending on the bank those cards may not yet work.

----------
TraceyS/FL said:
If you read what I wrote - I was referring to *my* bank. Their Amex cards will roll out later - and I read it on the banks website.

https://communities.usaa.com/t5/USAA-News/Power-of-USAA-Coming-to-Apple-Pay/
Click to expand...

Many AmEx cards are issued directly by AmEx. Hence the confusion. AmEx is on board already. But if you have a bank issued branded AmEx card, then yes they have to be on board too. But USAA is on board I believe.
 
caesarp said:
AmEx is already on board with Apple Pay.

http://www.forbes.com/sites/greatsp...y-notes-american-express-visa-and-mastercard/

They do have banks issue AmEx branded cards, so depending on the bank those cards may not yet work.

----------



Many AmEx cards are issued directly by AmEx. Hence the confusion. AmEx is on board already. But if you have a bank issued branded AmEx card, then yes they have to be on board too. But USAA is on board I believe.
Click to expand...

Your first post is what I was referring too - the USAA issued Amex cards will not work at the USAA rollout, only the Visa and MC branded cards. I quoted the part in the link I posted that said it. I personally don't have an Amex card of any flavor any longer. They did NOT do right by me, and I choose to no longer do business with them. Oddly, one of my Supervisors had a similar occurrence and ceased using them too. It was nice to find someone else that "got it". I don't begrudge anyone that has great experiences with them - and in their defense, they thought they were doing me a favor. I looked at it differently.

The key is, the issuing BANK needs to support Apple Pay before it will work - it doesn't matter which label the card has, Visa, MC, Amex because it needs to be in place by the bank first.
 
bpeeps said:
That's exactly what they said, only you moved the word "not" to a different place in your sentence.
Click to expand...

Exactly. The two statements mean very different things, the difference being where the "not" is placed.

Every VISA card will not work.
Not every VISA card will work.​

Lest someone get confused, I thought it would be helpful to the community to clarify.
 
bpeeps said:
That's exactly what they said, only you moved the word "not" to a different place in your sentence.
Click to expand...

We know what they meant based on context and it's actually a common grammatical error that many people make. "Every VISA card will not work" technically implies all VISA cards will not work.
 
caesarp said:
Every VISA card will not work. It depends on the financial institution that issued the card, which has to support tokenization. That is, your credit card number is converted to a token in your device. The token is submitted to the merchant and, in turn, to the credit card network and then the issuing bank for approval and back to the merchant (all that happens in seconds while you hold your iPhone 6 up to the NFC card reader at Walgreens). The token is mapped back to your actual account number as part of the process, but only tokens are transmitted back and forth.

So if your issuing bank is not yet part of the tokenization payment process, it likely will not be able to be Apple Pay compatible. The card BRANDs (i.e. VISA) support tokenization, but the banks have to as well.
Click to expand...

Thanks for the explanation.
 
JayLenochiniMac said:
We know what they meant based on context and it's actually a common grammatical error that many people make. "Every VISA card will not work" technically implies all VISA cards will not work.
Click to expand...

I think you meant to reply to deeddawg, but that's what I was saying.

deeddawg said:
Exactly. The two statements mean very different things, the difference being where the "not" is placed.

Every VISA card will not work.
Not every VISA card will work.​

Lest someone get confused, I thought it would be helpful to the community to clarify.
Click to expand...
 
impulse462 said:
My bank isn't supported on the list of banks on apples website, but my credit and debit card they have issued me is a VISA card. Will I still be able to use apple pay (since Visa cards are accepted) or would I have to wait for the bank to be enrolled as well?
Click to expand...

Call them and find out. I did with my credit union and they said they in fact will be supporting Apple Pay. That list on the Apple website is for fluff. There are many more that will be supporting this than on that list.

----------
caesarp said:
Correct -- the card brand itself doesn't control. The issuing bank has to be on board.
Click to expand...

I think it really has more to do with the company that handles the debit and credit processing for the bank or credit union more than the bank or credit union itself unless they are the processor.
 
TraceyS/FL said:
Your first post is what I was referring too - the USAA issued Amex cards will not work at the USAA rollout, only the Visa and MC branded cards. I quoted the part in the link I posted that said it. I personally don't have an Amex card of any flavor any longer. They did NOT do right by me, and I choose to no longer do business with them. Oddly, one of my Supervisors had a similar occurrence and ceased using them too. It was nice to find someone else that "got it". I don't begrudge anyone that has great experiences with them - and in their defense, they thought they were doing me a favor. I looked at it differently.

The key is, the issuing BANK needs to support Apple Pay before it will work - it doesn't matter which label the card has, Visa, MC, Amex because it needs to be in place by the bank first.
Click to expand...

Yeah, my sister is very annoyed that her USAA Amex won't work with Apple Pay yet.... and doubly annoyed that my USAA MC will be working at the USAA rollout.
 
Does anyone know if you can have different default credit cards for different locations or even different types of merchants? I use a different CC for gas stations, than I do for restaurants, than I do for grocery stores. I use the one that gives me the highest cash back :)
 
Mad Mac Maniac said:
Does anyone know if you can have different default credit cards for different locations or even different types of merchants? I use a different CC for gas stations, than I do for restaurants, than I do for grocery stores. I use the one that gives me the highest cash back :)
Click to expand...

You choose ONE default card. But you can easily use your non-default when making a purchase. So you'll have to choose one and live with it (and switch to the other when needed).
 
I happened to call my bank (comerica) and they were pretty adamant that all of their cards worked with apple pay, but whenever I try to add my visa card my phone tells me that the issuer doesn't support apple pay yet. I don't know where I can find a list of that 500 banks, but it's kind of annoying. Anyone have an experience like this?
 
impulse462 said:
I happened to call my bank (comerica) and they were pretty adamant that all of their cards worked with apple pay, but whenever I try to add my visa card my phone tells me that the issuer doesn't support apple pay yet. I don't know where I can find a list of that 500 banks, but it's kind of annoying. Anyone have an experience like this?
Click to expand...

For a list of bank-issued Visa cards, see http://usa.visa.com/clients-partner...on/apple-pay/financial-institutions/index.jsp
 
You must log in or register to reply here.
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.
Back
Top