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I love Apple pay used it three times yesterday without making a effort too. It was my wife and I first year anniversary and we went to Chicago to see a play. I used it for our cheap McDonald's lunch. Parking via spot hero (fantastic app by the way) and lastly to pay for a cab ride. The cab had a nfc terminal right on the divider. It was pretty awesome
 
Question for those who've used Apple Pay already: do vendors ask for any type of proof of ID like they do, sometimes, when you use your standard credit card?
That wouldn't make much sense, given that they can't see your name when you pay with Apple Pay ...
 
Well Whole Foods was one of the first adopters, and as far as I saw, one of the only stores where it was available at launch. But I get your point. I can't wait for the Apple Watch so I can buy ridiculously overpriced food using the ridiculously overpriced accessory to my ridiculously overpriced phone. Technology!

Interestingly, CVS has it now, but for some reason I have to physically tap the phone to their reader, whereas at Whole Foods I can just float it around the reader. Wish it were more uniformly implemented.

I work at whole foods. It was available I believe a week after apple pay was revealed.
 
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.

Oh yeah... I know why they are doing it... I just don't think it will turn out well for them.

CurrentC is a clunky system that uses QR Codes. WTF?

That might have been fine if NFC solutions like Google Wallet and ApplePay didn't exist. But considering CurrentC hasn't even fully launched yet and they are already touting less-sophisticated technology... I don't see it being popular.

You say stores will stick with CurrentC for the long-term... but some people have stopped shopping at CVS because they don't offer ApplePay or Google Wallet. Those people aren't coming back. That's a problem for the stores.

Creating a situation where people do not shop in your store cannot lead to long-term financial gain.

So getting back the the earlier topic... I predict CVS will support ApplePay and Google Wallet again someday. Hopefully sooner than later for their sake.
 
Dont get it, paying with contactless card must be as fast as paying with apple pay...

Very few people that I've seen have cards that don't require a swipe. Or even if they do, they don't realize it. Then they still have to sign, hit accept, etc. Obviously this only takes seconds, but after using the ease of Apple Pay, this seems interminable.
 
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.


The real advantage of Apple Pay is that none of your payment data is available to the merchants and stored on their servers, so it cannot be hacked.
 
Whole Foods quality of food is a lot better. Hence the extra money.

If you want good quality food, you pay a premium.

Same with Apple products over anyone else. you pay a premium, but get a way better product.

I wouldn't say that Whole Foods food is a LOT better. If they were right next to Wegman's I'd probably go to Wegman's 9 times out of 10. Sometimes I want, say, Triscuits, not "shredded wheat rectangles," which is all Whole Foods offers. it's nice to be able to get good food AND some brands I want in the same store. Same thing with Fairway in NYC, which I went to over Whole Foods routinely. Good, quality food but also carries **** like cheez whiz.
 
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.

What you say is true but ignores the real utility of Apple Pay. When using AP, none of your payment data is placed on the merchant's servers and so cannot be hacked (as has been happening with alarming frequency).
 
What you say is true but ignores the real utility of Apple Pay. When using AP, none of your payment data is placed on the merchant's servers and so cannot be hacked (as has been happening with alarming frequency).

That's security for the *user*... I think the comment you're quoting is addressing security for the merchants (assurance they'll be paid), and why TouchID doesn't do that for them.
 
What you say is true but ignores the real utility of Apple Pay. When using AP, none of your payment data is placed on the merchant's servers and so cannot be hacked (as has been happening with alarming frequency).

Of course, that utility also goes for using cash, Google Wallet, gift cards, etc... but even with such alternatives, people just can't seem to stop using their physical debit/credit cards.

Using a tokenized payment method at one store, also doesn't help much if a person continues to use that same card for regular payments anywhere else. A chain is only as strong as its weakest link. For best effect, a card you use in Apple Pay should never be used in any other manner.

Also, as others have noted, such hacking doesn't seem to be high on people's worry lists. People continue using their cards, even at the hacked stores. After all, having a number stolen usually results, for most people, in the annoyance of waiting from overnight to a few days for a replacement. Barely a blip on the meter of life, compared to other events.

Nevertheless, merchants should all move to storing tokenized account numbers, so even regular credit cards are safe from hacking.
 
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Just went to Whole Food and while waiting in line I:
-Scanned a new credit card
-Entered the security code on the back
-Got my wife to let me borrow her phone to verify the credit card
-Entered my security number texted by the bank
And as I finished, it was my turn...
-Put my finger over the home button and tapped the reader while pulling goods out of the cart and putting them on the conveyor belt
BAM! Transaction complete!
Still had to sign though...you aren't getting out of Whole Foods without spending more than 50 bucks.
 
Every time I read about another retailer hack I am convinced Apple Pay is gonna be huge.

Sadly it will take time to roll out. I've had my 6 Plus for over a month and have not been able to use it yet. Tried in a McDonalds drive-thru once but abandoned the idea when I got worried about dropping my phone while trying to hold a 6 Plus out the window and place my thumb on the sensor at the same time. The whole exercise was way too awkward.

Tried another time at a major retail store but the terminal was glitching out.

Eventually I'll get to use this, but in my area the great majority of retailers are using older payment terminals still.

You would think those who have been hot would be rushing to install something that at least sounds way more secure. But I heard Target was moving it's cards to chip and PIN, but I still have the same old magnetic strip card. No rumors of Target moving quickly to adopt ApplePay either. Kind of baffling.
 
Another smart move by Apple, as easily anticipated. If only it was available worldwide.....

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And now, it makes up 4% of the phone market.
What?!? :eek:

Btw, Apple is running for the profits race, leaving the market share run to losers....

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A couple of interesting numbers from that report:

--

1/3 (33%) of Apple Pay purchases were at Walgreens, McDonald's and Subway.

Were those purchases just people just trying it out, or is that's really where Apply Pay users shop most of the time?

--

Google Wallet accounted for 4% of digital payment dollars for the same month.
Did you really feel the need to take Google into the discussion?
How many Google wallet enabled devices already are in three market, against the recently launched iPhone 6? And do you know that :apple: Pay is working in US only for the time being?

This is the real news:

The ITG Mobile Payments report, which uses data from the ITG Investment Research proprietary consumer panel, found that Apple Pay was responsible for 1% of digital payment dollars in the month of November. This is a strong showing considering that the service is only available to Apple customers with the newest hardware and it is currently supported by a relatively limited list of merchants. In comparison, Google Wallet, which launched in 2011, accounted for only 4% of digital payment dollars in the same month.

It depicts Google wallet in a slightly bad light, but you twisted it completely the other way.
Interesting....
 
The main point of ApplePay is to remove the possibility of card cloning and PIN theft which accounts for 98% of money stolen through cards. The amount of money lost through stolen or lost original cards is negligible.
Even with contactless payments in Europe, you don't need a PIN and the transaction is limited to £20 (€25, $30) but there is no security to the way the data is sent so people can still skim the info from NFC payments.

ApplePay is only on when you need it unlike contactless cards, each transaction is unique, no relevant data is sent, plus (and this is the big one), if you lose your phone, you generally know very quickly so you can wipe it or lock it down. You can disable all of your cards in 1 go, immediately.

The chance of someone having access to your phone, know your password to get in and change the TouchID and then get to a retailer and make a purchase before you realise your phone is missing is incredibly unlikely.

As for the continued security risks elsewhere. Well, obviously. You still have to be careful but ApplePay has only just come out, give it a chance! Change is coming, it's not going to be instant.
 
Very few people that I've seen have cards that don't require a swipe. Or even if they do, they don't realize it. Then they still have to sign, hit accept, etc. Obviously this only takes seconds, but after using the ease of Apple Pay, this seems interminable.

interesting, here in Europe there are no other than contactless cards being issued now and almost everyone is paying contactless here...
 
After buying a iMac 5K for my heavy lifting I'm firmly in the market from a 12" rMBA for all my writing and to look after my eyes. I'm looking at it as a health investment. Believe me Retina displays are so much easier on the eyes.
 
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.

Yeah and at one point the credit card companies were advertising this as a feature. I just don't know why it didn't become the default set up.

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The real advantage of Apple Pay is that none of your payment data is available to the merchants and stored on their servers, so it cannot be hacked.

Yep that is why I'm comfortable using Apple Pay anywhere it is available. I don't love my credit card being stored all over the place, so if it is a small purchase I will try to pay cash. But Apple Pay is easier and has that security. So now I use Apple Pay whenever it is available. I used it at Walgreens. They scanned my loyalty card off my passbook and then I paid with touch ID. I didn't have to have two cards in my wallet or take it out.

And cute cashier told me it was cool using Apple Pay. :cool:
 
Oh yeah... I know why they are doing it... I just don't think it will turn out well for them.

CurrentC is a clunky system that uses QR Codes. WTF?

That might have been fine if NFC solutions like Google Wallet and ApplePay didn't exist. But considering CurrentC hasn't even fully launched yet and they are already touting less-sophisticated technology... I don't see it being popular.

You say stores will stick with CurrentC for the long-term... but some people have stopped shopping at CVS because they don't offer ApplePay or Google Wallet. Those people aren't coming back. That's a problem for the stores.

Creating a situation where people do not shop in your store cannot lead to long-term financial gain.

So getting back the the earlier topic... I predict CVS will support ApplePay and Google Wallet again someday. Hopefully sooner than later for their sake.

Right now the folks not shopping at CVS is probably so minimal it is meaningless. But Apple has something like 42% of the U.S. smartphone market share and growing. All of Apple's new phones will have Apple Pay going forward. Factor in that Apple's 42% is much more affluent than Android's 52% and soon too many consumer, with too large wallets, will have Apple Pay to ignore.

So I doubt the effect is noticeable now. It is too much hassle to go out of your way in order to use a slightly easier payment scheme. But once most of the customers have Apple Pay (weighted by their spending ability), then stores will support it. The complaints will be too much to ignore. It just hasn't happened yet. I suspect that this tipping point will be toward the end of 2015. If that isn't actually reached by then the trend will still be so large that it will be obvious to everyone that it is inevitable. The U.S. just needs one more round of upgrades to get the 5s users (and the thrifty 4s and 5 who don't do early upgrade) into Apple Pay. Then it will be too large an audience to ignore.

Apple Watch may also add Apple Pay users as it will give that purchasing ability to 5 and 5s users, I think.
 
Right now the folks not shopping at CVS is probably so minimal it is meaningless. But Apple has something like 42% of the U.S. smartphone market share and growing. All of Apple's new phones will have Apple Pay going forward. Factor in that Apple's 42% is much more affluent than Android's 52% and soon too many consumer, with too large wallets, will have Apple Pay to ignore.

So I doubt the effect is noticeable now. It is too much hassle to go out of your way in order to use a slightly easier payment scheme. But once most of the customers have Apple Pay (weighted by their spending ability), then stores will support it. The complaints will be too much to ignore. It just hasn't happened yet. I suspect that this tipping point will be toward the end of 2015. If that isn't actually reached by then the trend will still be so large that it will be obvious to everyone that it is inevitable. The U.S. just needs one more round of upgrades to get the 5s users (and the thrifty 4s and 5 who don't do early upgrade) into Apple Pay. Then it will be too large an audience to ignore.

Apple Watch may also add Apple Pay users as it will give that purchasing ability to 5 and 5s users, I think.

Sure... CVS might not notice the effect now... but they will.

That's why I said "someday" CVS will offer ApplePay. If they don't... they're crazy.

The reasons you describe are exactly why a store would want to support ApplePay... not shut them out.

Two months ago nobody could use ApplePay. But you're right... from now on every new iPhone will have it. It's gonna be big. I'd say it's one of the biggest things Apple has ever introduced.

And the longer a store does not offer ApplePay... the worse it's gonna get for them.

I'd love to check back in 12 months to see CVS' stance on ApplePay. If they still don't support ApplePay by then... I guarantee the money lost by not offering ApplePay will be far greater than any money gained by using CurrentC.

While I see your point about waiting for the tipping point... some stores are already offering ApplePay. They didn't wait at all. They'll have quite a headstart.
 
Sure... CVS might not notice the effect now... but they will.

That's why I said "someday" CVS will offer ApplePay. If they don't... they're crazy.

The reasons you describe are exactly why a store would want to support ApplePay... not shut them out.

Two months ago nobody could use ApplePay. But you're right... from now on every new iPhone will have it. It's gonna be big. I'd say it's one of the biggest things Apple has ever introduced.

And the longer a store does not offer ApplePay... the worse it's gonna get for them.

I'd love to check back in 12 months to see CVS' stance on ApplePay. If they still don't support ApplePay by then... I guarantee the money lost by not offering ApplePay will be far greater than any money gained by using CurrentC.

While I see your point about waiting for the tipping point... some stores are already offering ApplePay. They didn't wait at all. They'll have quite a headstart.

I think we are seeing a tipping point already with Apple Pay. The other day I went to my local mom and pop haircut place for my monthly cut. I noticed they now had a card reader sitting on the counter where you pay (instead of behind the counter as in the past). I held my iPhone up to it and apple pay popped up -- so I paid with Apple pay. The owner said I was the first one to do so, and she was upset she missed seeing it work -- since it happened in the blink of an eye.

So here is a small business (blue collar type place) -- not a huge chain- accepting Apple Pay and no announcement by Apple that this local tiny business was a "partner". If this business can afford the NFC reader needed for Apple Pay, I'm sure most small businesses can. And there is no reason Apple Pay won't be more readily available all over the U.S.
 
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