So I walked into a mom and pop furniture store and I saw this terminal. (Picture attached) It's a Dejavoo V8s with Contactless on the back. Heck on top of that place, I know of 3 mom and pop places locally with VX520's which often come with Contactless built in too. You're quite correct as many small businesses have or will be getting Contactless payments, so users will have way more places to use it, although it will just take some time. Its also a way that local business can get ahead of large chain stores.
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Apple Pay Responsible for 1% of Digital Payment Dollars in November, Most Popular at Whole Foods
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Maybe I'm missing something, but I don't understand why everyone is saying is so much quicker.
From my experience, the only difference is I'm tapping my phone instead of swiping my card. Everything else remains the same (hitting the credit button, etc.)
Maybe I'm missing something, but I don't understand why everyone is saying is so much quicker.
From my experience, the only difference is I'm tapping my phone instead of swiping my card. Everything else remains the same (hitting the credit button, etc.)
I knew Whole Foods was a scam when I read in a meat recall notice once that among stores affected was both Walmart and Whole Foods.
With Apple Pay you literally do nothing more than hold your phone up to the reader (not tapping) with your thumb on touch ID. Less than 2 seconds. Done. Swiping can first require getting out your wallet, pulling out the card and sometimes require handing your card over to the cashier or having to re-swipe -- wait I put it in wrong, etc. When you pull out your card, the person behind you could potentially read the numbers too.
Typically your phone is easier to grab and hold up to the screen than fumbling with your wallet to pull out the card. It is faster with Apple Pay, no doubt. I usually do not have to hit any buttons with Apple Pay.
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Not entirely true ... it depends on the store. First off, if you are using a debit card they will generally still ask debit or credit. If you select debit, they make you enter your pin. Credit sometimes still requires a signature.
That happens at walgreens and the experience depends on how much you are purchasing. I don't know the limits, but it's something close to under $20 they don't ask for the signature. Above that they do.
The big thing I noticed is that even though it says done, hold your phone there for 1 or 2 more seconds. I had a walgreens purchase get canceled even though my phone said done. I later looked at my ledger and it showed only 1 purchase.
With the signature requirement based on amount of purchase or the debit/credit question and entering PIN, the same thing will happen with the physical card. So using apple pay simply allows you to not have to present a physical card. That is fine for me. I don't mind having to sign or enter PIN when using Apple Pay. Still would rather do that, than not be able to use Apple Pay.
The physical card, pin numbers, static number on card, signature and CCV2 are all outdated technologies. The whole point of Apple pay is that very fact.
What good is the signature ? Stores never verify it, just scribble and be on your way. It's not like you can contest that it isn't your signature because they are never verified.
Apple pay is being promoted at getting rid of all the ridiculous steps but in reality it only gets rid of 2 of those steps. The physical card and your ID.
No. It's being promoted as fast and more secure. The other stuff is what the processors or card brands require. http://www.apple.com/apple-pay/?cid=wwa-us-kwg-features-com
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I was about to say that Apple doesn't know who that store is, but that's not quite true.
According to Apple's security documents, every time you use Apple Pay, your location (and date/time) can be anonymously sent up to the mothership, to "improve the accuracy of business names in your transaction history", among other reasons.
After a while, Apple could use everyone's purchase locations to create a directory map of stores which take NFC payments, which would be handy for users, and help out the mom & pops with NFC terminals.
Yep, that's actually one advantage of being among the last countries to convert to EMV terminals. Most of them come with NFC built in nowadays, and the price difference for one with/without NFC can be super cheap. E.g. only $10 extra for this popular model:
I agree. Heck, a couple of my cards have my picture on them, but nobody ever looked at it.
Of course, the downside to someone checking a picture, is that it makes it harder to loan out your card to your kids / etc. Oh wait, did I say that was a downside?
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Yeah that was my point
There are stores who jumped in with both feet and were using ApplePay on day one. They didn't think about the "chicken-n-egg" scenario. They didn't have a "wait-n-see" attitude. They just did it. And they're seeing the benefits of it.
Sure... not having ApplePay won't bankrupt CVS in the short-term... but they're gonna be left behind if they don't act fast.
Small numbers of people are already switching to Walgreens just for ApplePay. It may not be a lot of people now... but new iPhones get sold every day in the US. And people seem to like using ApplePay.
I'm curious to see how CVS and others will promote CurrentC. I bet they'll be excited to finally say "you can now use your smartphone to pay for stuff!"
(just give us your social security number, your drivers license number, home address, etc. It's not as slick and intuitive... it has no fingerprint protection... and we get all your info anyway. But hey... its sumthin')
I had another crappy experience with Pay because of retailers stupid software. This time it was local grocery store chain Byerlys. I believe they recently added NFC. I held my phone up to the POS terminal, it gave me the signal to pay with Touch ID. I put my thumb on the home button and then it brings up a screen on the POS terminal asking if I was paying by debit or credit. I tapped credit. Then it asked for my card number. I tried swiping my card but that did no good. The guy at the register told me to enter my card number using the keypad. I did. Then it asked for my expiration date. As I'm doing all this I have three people behind me with full shopping carts waiting to check out. So frustrating. Especially knowing how easy it can be. Pay works like a charm at Whole Foods and Panera.
Especially knowing how easy it can be. Pay works like a charm at Whole Foods and Panera.
No doubt CurrentC made a lot more sense when it was first proposed. Consider:
Nearly every phone has a camera, and their method could allow even dumb flip phones to be able to make payments. That's nearly 100% of phone owners.
However now, years later, smartphones are all over, and more and more have NFC. So CurrentC is a bit late to the party, although there's still enough dumb phone users to make it useful.
In the end, it'd be great if stores simply took whatever payment method a consumer wished to use.
Oh yeah... CurrentC definitely gets points for backwards compatibility since nearly every phone has a camera.
However... doesn't it use an app? Namely an iOS or Android app? I could be wrong... but I believe CurrentC was designed for modern smartphones.
I'm sure the folks at MCX were pleased with CurrentC... but it must have felt like a punch in the gut when Apple announced ApplePay.
But yes... there's no reason a store can't offer CurrentC, ApplePay and Google Wallet. It would actually be preferable. I think the reason they don't is simply because of licensing deals. Well let's see how long those last.
Let them launch CurrentC and attempt to explain it to their customers in 2015. It will be interesting to hear their pitch.
But I will honestly be shocked if there is any store solely using CurrentC in 2016 or beyond.
Do the *stores* know how to use ApplePay?
When I use ApplePay at Walgreen's, the cashiers don't blink. However, the cashiers at PetCo don't have a friggin' clue. If ApplePay doesn't take off as quickly as foreseen or starts to get some bad press, it'll be because of inconsistent implementation on the retailer side, not the consumer side.
My thumb works and my iPhone works. Why isn't the experience the same at every store? Why do I play 50 questions at one checkout terminal and breeze right through another? Apple only controls this experience so far and then it falls into the hands of some suit in a corner office who doesn't do anything that requires an interaction in the real world because that's what lackies are for. Remember when Pres Papa Bush first saw a UPC reader at a grocery that the rest of us had been using for years? That's what I'm talking about here.
I had another crappy experience with Pay because of retailers stupid software. <snip> As I'm doing all this I have three people behind me with full shopping carts waiting to check out. So frustrating.
When I use ApplePay at Walgreen's, the cashiers don't blink. However, the cashiers at PetCo don't have a friggin' clue. If ApplePay doesn't take off as quickly as foreseen or starts to get some bad press, it'll be because of inconsistent implementation on the retailer side, not the consumer side.
My thumb works and my iPhone works. Why isn't the experience the same at every store? Why do I play 50 questions at one checkout terminal and breeze right through another? Apple only controls this experience so far and then it falls into the hands of some suit in a corner office who doesn't do anything that requires an interaction in the real world because that's what lackies are for. Remember when Pres Papa Bush first saw a UPC reader at a grocery that the rest of us had been using for years? That's what I'm talking about here.
Coming from someone who works at a grocery store and deals with different kinds of cards on an every day basis. I will you right now: Paying by NFC is MUCH quick than swiping your card.
1: More than 90% of the customers we get through our lines that pay with cards do not have their card ready by the time they are ready to pay (but they do have their phone out...)
2: You'd very surprised how many times cards nowadays DO NOT swipe correctly or readers will not read them. The older the readers get the harder it gets for some cards. Especially cards that are getting worn out. This requires us to then try to slide it using the plastic bag or a piece of receipt paper over the magnetic strip.
3: Customers, or even us, hitting a wrong button. Causes us to 99% of the time to have to start over again.
By the time you add all three of these general errors up that I see consistently on an everyday basis, that is a lot of time that is being added to the checkout lines at the grocery store. If you do not ever receive any of these errors, then good for you. I'm glad. But I'm just saying be aware that these errors happen constantly, not everyone has the "same experience" as you or even just gets their card out when it is time to pay (no matter how many signs we put up asking to have their form of payment ready or they can slide their card at any time during the transaction). But one thing is very consistent: All these customers already have their phone out. Problem solved: their form of payment is already out and ready to go.
Apple wanted 1% of the phone market with the iPhone 1. Look where the iPhone is now.
Apple got 1% of the digital payments market, This in a little while could be huge.
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A lot more of the smartphone market though. You are comparing that 4% to physical cash and digital cash purchases.
Apple got 1% of the digital payments market, This in a little while could be huge.
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That was the iPhone's goal "as said by Steve Jobs" and look where it is now. This digital payments thing will be huge.
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A lot more of the smartphone market though. You are comparing that 4% to physical cash and digital cash purchases.
Yeah that's the problem. Apple can't control the entire experience at every store. I'm sorr but if I'm paying by credit, the POS system should know that and not ask me whether its debit or credit. And I certainly shouldn't have to punch in my card number and experation date!
In Google Wallet, Google has your info on your transactions. So, how do you like that?
NFC in general still isn't going to be all that popular here. Well, not until some data breach happens where the company in question says something to the effect of "Our Apple Pay customers were not affected"
They will never say that because they can't. They don't know enough to say for fact that there is zero change someone can't hack past the Touch ID bit. The banks will be able to say they didn't have to waste time and money to reissue cards cause of how Apple Pay works but that's about it
First Time Use...
Used for the first time today at McDonalds. Pretty slick. I didn't know you actually had to touch the phone to the sensor, so I was initially afraid it wouldn't work; but the cashier whipped out a cheat sheet and my order was paid for in seconds.
Very easy to use; if you haven't yet, go for it. I can see this becoming a habit!
Used for the first time today at McDonalds. Pretty slick. I didn't know you actually had to touch the phone to the sensor, so I was initially afraid it wouldn't work; but the cashier whipped out a cheat sheet and my order was paid for in seconds.
Very easy to use; if you haven't yet, go for it. I can see this becoming a habit!
Google doesn't get any more info than the credit card companies already get. That is, the merchant name, merchant category code (e.g. "5411 grocery store") and amount. They have no idea what specific products were purchased.
So Google Wallet might record that I went to a McDonald's, or spent money at a hardware store... but the servers would have no data on what I bought.
Not exactly a big deal, especially compared to other services that we use, who know much more:
- Apple has more detailed info on all my purchases from their stores and iTunes.
- Amazon knows a lot about what I like to buy, and uses that info to give me suggestions.
- Ditto for eBay.
- Double ditto for CVS, Staples, my grocery store, and other places where I use loyalty cards almost every single day. (Heck, groceries know what toilet paper brand I use. Google has no such detailed info.)
The advantage to me is more targeted ads and coupons. The advantage to them is more sales. It's a win-win situation.
With Apple Pay, the banks always get our info on our transactions. That's not as benign. Whereas Google and merchants might use the info to serve us more pertinent search suggestions and ads and offers, the banks not only sell the aggregate data to ad agencies, but also analyze our purchases to see how our personal financial situations are going. How do you like that?
Oh, please, give me a BREAK!! Seriously, you trust google more than your god damn bank. That's not serious at all. BTW, my bank already has all my transaction information since ITS MY BANK, I'm not giving them anything they don't have already while going with google gives a company who aggregates crap to death something they can further cross reference with their other data. I'm not doing it. No sir. I don,t need their damn "help" to further strip my privacy.
What on earth are they giving me now for all they're taking from me : ZERO. I don't use any of their service for good reason.
I had another crappy experience with Pay because of retailers stupid software. This time it was local grocery store chain Byerlys. I believe they recently added NFC. I held my phone up to the POS terminal, it gave me the signal to pay with Touch ID. I put my thumb on the home button and then it brings up a screen on the POS terminal asking if I was paying by debit or credit. I tapped credit. Then it asked for my card number. I tried swiping my card but that did no good. The guy at the register told me to enter my card number using the keypad. I did. Then it asked for my expiration date. As I'm doing all this I have three people behind me with full shopping carts waiting to check out. So frustrating.
I think you should have held your phone up to the screen again when it asked for your card # (after you tapped credit). That's the whole point of Apple Pay. You shouldn't type in your real card number. It uses a "fake" number.
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If you are punching in your card number, you are not using Apple Pay. Apple Pay does not use the actual card number.
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Actually, that's exactly what could happen. If you swipe your card at a merchant, but I use only Apple Pay at that merchant, that merchant will never have my actual card data. However, the merchant will have the card data of all of those who swiped (or had it briefly during the time of the transaction).
Therefore, it is entirely possible that a merchant can announce a breach affecting all customers who SWIPED cards between such and such dates. But if you used Apple Pay on those dates, you are not affected.
Hackers can't get what isn't there.
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You don't have to tap. just be close enough for NFC radio to work. McDonalds terminals are pretty weak and you have to be very close (no need to tap or touch).
As usual a blank defence of Google.... How could someone see "targeted ads" as and advantage is something behind my comprehension.
It's not win-win situation. Unless you are a Google shareholder of course
The only one winning in the Google's market model is Google.
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Yep. I'm somewhat of a Google user too (nexus 7 and two galaxy in my home), but I'm amused about people trusting Google for their data mining.
Subway disabled it in my town and before they disabled it they put the terminals behind the counter so you had to ask to use it. When I complained (before they disabled it) the owners representative told me the owner didn't want people using it. I no longer eat at Subway lol.