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Apple Pay Responsible for 1% of Digital Payment Dollars in November, Most Popular at Whole Foods
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A signature has traditionally served two different purposes: 1) to confirm your identity and 2) as a promise to pay the card issuer. With Apple Pay, it's been relegated to the 2nd purpose so that's why some retailers are still requiring a signature, especially for transactions over a certain amount. You'd resent it more if they were to obtain a copy of your thumbprint as a promise to pay the card issuer.
If retailers like McDonalds and Walgreens weren't included in the list of supporting retailers, I woukdnt think you were crazy.
In the SF Bay Area 
Pay works at the grocery chain Sprouts thanks their installations of NFC readers.
I'm one who did change his drugstore shopping habits so now I go to Walgreens instead of CVS. They're pretty much equidistant from my house and I have a loyalty card with both, butPay swung it to W for me.
I actually like shopping at Whole Foods though my primary purchases there is beer
Say what you will but the Whole Foods stores in my area carry a good select of craft beer, better than many liquor stores, and they don't mark up like a lot of mom and pop shops. While I don't disagree that the groceries are overpriced, the beer is not, for a beer snob like me.
I've also usedPay at MacDonald's (once or twice) and at the soda machine (!) at my car dealer. I hadn't seen a soda/snack machine with a card reader before until I ran into that one and just had to try Pay on it, successfully.
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Oh, and I successfully usedPay at RadioShack, too, but I rarely shop there. Had to get some alligator clips for a project I'm working on, and the nearest Fry's is quite a few miles away.
Does anyone know if Fry's Electronics acceptsPay? It's been a while since I've been in there.
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Oh, and one more thing. I'd like to usePay at Toys 'R Us but I have the Toys 'R Us MasterCard that is tied to my membership there. Alas, last I tried that Synchrony Card still does not work with Pay, so I wind up swiping my card to earn Rewards. Kind of ironic, isn't it? I hope Toys 'R Us and Apple get something worked out soon. Hell, Amazon got its Visa card straightened out pretty quickly.
Pay works at the grocery chain Sprouts thanks their installations of NFC readers.I'm one who did change his drugstore shopping habits so now I go to Walgreens instead of CVS. They're pretty much equidistant from my house and I have a loyalty card with both, but
Pay swung it to W for me.I actually like shopping at Whole Foods though my primary purchases there is beer
Say what you will but the Whole Foods stores in my area carry a good select of craft beer, better than many liquor stores, and they don't mark up like a lot of mom and pop shops. While I don't disagree that the groceries are overpriced, the beer is not, for a beer snob like me.I've also used
Pay at MacDonald's (once or twice) and at the soda machine (!) at my car dealer. I hadn't seen a soda/snack machine with a card reader before until I ran into that one and just had to try Pay on it, successfully.----------
Oh, and I successfully used
Pay at RadioShack, too, but I rarely shop there. Had to get some alligator clips for a project I'm working on, and the nearest Fry's is quite a few miles away.Does anyone know if Fry's Electronics accepts
Pay? It's been a while since I've been in there.----------
Oh, and one more thing. I'd like to use
Pay at Toys 'R Us but I have the Toys 'R Us MasterCard that is tied to my membership there. Alas, last I tried that Synchrony Card still does not work with Pay, so I wind up swiping my card to earn Rewards. Kind of ironic, isn't it? I hope Toys 'R Us and Apple get something worked out soon. Hell, Amazon got its Visa card straightened out pretty quickly.Google Wallet has been out and used for years. Maybe it never caught on because, as you say, KitKat adoption has been slow so why would retailers get excited about a technology so small and fragmented?
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So you like more reliance on a wallet or unsafe credit cards? Or is it cash in which case you are relying on an ATM?
TouchID is neither a signature nor a card PIN replacement.
It is a convenient shortcut for the phone unlock PIN.
The fingerprint sensor hasn't verified anything, except that it matched the last person with access to the phone and its unlock PIN, who registered a finger.
If they wanted to be super secure, they'd ask for photo id... as well as an instant photo of the purchaser that could be stored to prove a match
But that's not their goal. The goal is speedy checkouts, which encourage more buying, and that's how everyone makes money.
Moreover, if it was totally secure and payment was assured, then there'd be no need for banks to charge fees. But again, such perfection is definitely not their purpose in life. The CC companies exist to charge for mitigating the risk of payment.
You were not verified with a fingerprint that was stored on the phone, because the merchant... just as with your signature example... did not compare the fingerprint to your actual finger.
There is a coming standard for fingerprint authentication for EMV payments, but it would require the fingerprint to be taken at a bank and stored with your other account info at the bank. Any print authentication would be compared to the data on file. That's the only way to be sure the finger on the device sensor at the time of purchase is really yours.
Do you see the difference? An on-device fingerprint can be changed by anyone who steals your phone and knows your PIN, ergo it is only as secure as your device PIN. That's why Google Wallet and the Apple Watch only need a device PIN to activate the purchase app.
TouchID is more about making spending convenient, while making the user feel more secure.
Good points but the chances that someone physically gets my phone and knows my PIN is extremely low. It's kind of like defeating 2 factor authentication. Of course it can be done but it usually ends up being an "inside job" by someone with regular access to my phone. And even then they would have a limited time to make purchases on my phone before I could shut them down remotely.
My mom is 82 and uses Pay on a daily basis. Has started buying her groceries at Meijer instead of Kroger because of the security and convenience.
Most people don't have a problem finding places to use it... they have trouble finding a frigging credit card that can be used with Apple Pay. I have Visa, Mastcard, and Discover credit cards and none can be used w/Apple Pay. I refuse to use a debit card linked to my actual bank accountso I'm just hosed.
It reminds me of Apple's Passbook, which after over 2 years I still can't add a single loyalty card I have to it.
It reminds me of Apple's Passbook, which after over 2 years I still can't add a single loyalty card I have to it.
Is Whole Foods a west coast chain? I've never heard of them once before Apple Pay was announced. It sounds like a cheap, discount supermarket but from the comments I'm reading it sounds like they're pricey.
Does the system know when a transaction is completed via Pay vs something else? I'm assuming if the system thinks your paying by cc it's going to apply signage rules across the board. Which will really suck if NFC ever comes to liquor stores as in my state you sign no matter how little the transaction was.
I was at a local grocery store yesterday and attempted to use Pay. It didn't work becauas they just got a new system and it wasn't completely up and running yet. When I swiped my Visa a menu popped up asking me to select whether it was a debit or credit card which was annoying because you'd think the system would know I was paying by credit.
These little things will make Pay just that little bit less enjoyable to use but my guess is Apple has little to no say in how retailers implement NFC.
I was one of the people that switched from CVS to Walgreens for my "drug store" type purchases. Even switched my preferred meds provider so as to support
PayYup, I'm one of those. I'd go to Whole Foods for groceries but its 15 miles away.
Pay is so convenient to use. I'm doing everything that I can to support it.----------
I'm not sure of their origins, but we have a couple in Houston, Texas. Too far for me to shop at. The store however is nice. It is not a discount type store. They carry a variety of good brands and foods.
I'd shop there if it were closer.
Hopefully when they realize that CurrentC is a big ball of turd.
That the stores that blocked Pay didnt relent and remove the block during the Christmas shopping season is a pretty strong indicator that they have been convinced to forgoe a short term loss of revenue in order to gain a long term financial benefit by forcing currentC on their customers.
Okay, I see the difference. But if a credit card is stolen, the "pin" (i.e., signature) is written on the back of it. The thief just needs to copy that in a semi plausible manner and then they are verified. But stealing phone and pin to that phone is really hard and is unlikely to happen. The touch ID verifies that you are the owner of the phone. Now, you can probably store a stolen credit card into the Apple Phone. Though I can imagine that a thief wouldn't want to do that as the phone would be more easily tracked than the stolen card.
I never really understood why we didn't have our pictures on credit cards. That seemed like something that was going to happen and then it just didn't take off.
One of my mom's old credit cards had a photo of her on the front. I believe it was MasterCard. That was a long time ago. Either mid 90's or early 2000's.
Albertsons, which is buying Safeway, has already announced they'll be supporting it.
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They're based in Austin, Texas and are neither cheap, nor discount, hence the nickname "Whole Paycheck".
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The system has been out since 2011. Period.
By saying 'well THIS version has only been out since blah blah blah' is showing your bias. Go ahead, do your best to create the situation where Google looks like it's doing better than Apple pay. Everybody here knows where your opinion will fall even before reading your posts.
Google wallet was released three years ago. It has 4%.
Apple pie was released two months ago. It has 1%.
These are factual statements. Not massaged to make one or the other look better.
By saying 'well THIS version has only been out since blah blah blah' is showing your bias. Go ahead, do your best to create the situation where Google looks like it's doing better than Apple pay. Everybody here knows where your opinion will fall even before reading your posts.
Google wallet was released three years ago. It has 4%.
Apple pie was released two months ago. It has 1%.
These are factual statements. Not massaged to make one or the other look better.
I went to Macy's for some last minute shopping and literally saw all 4 cashiers at my checkout point guiding lines 5 people deep on using apple pay.
Not once so far.
Regarding the 4% vs 1%, it would appear that the 4% would not be that high if not influenced by the sudden adoption of
Pay. It's probably a no-brainer to assert that as more Pay enabled hardware reaches the market and more NFC terminals are deployed that Apple's % will grow. Likewise, those who still don't want to use it -- and there's a few of you in this thread -- will probably come around once the store and online acceptance grows, and once the system is more understood. It really is a convenient, secure and free to use (once you have your device) form of payment that should not be ignored.
Oh yeah, used it at Macy's recently, too, to purchase some gift cards. For me, it's starting to get to the point where I forget where I've used it. I'm starting to take it for granted...