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Apple Pay Responsible for 1% of Digital Payment Dollars in November, Most Popular at Whole Foods
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You get all of that anyway (except the battery part) and never have to give your info to the vendor, so what's to prefer? The retailer gets your money and nothing else. I know I prefer not having my info stolen and have to replace all my cards.... Like it has happened to users of at least 10 major retailers last years. The card issuer also prefers that... The money someone steals from you and that you get back... Someone has to pay for it... Its you eventually.
Apple doesn't have a good track record with security anyway having had private pictures of people's orifices hacked and displayed to the world. I'll stick with the thinner, more reliable and secure EMV credit cards.
I thought those pictures got posted everywhere because their owners used horrible passwords for their iCloud accounts?
You have no clue how Apple Pay Works (just proved it), so from now on your own my banned list. Au Revoir.
It is still safer... Good Grief... Unless you can garantee no one has a skimmer or companies don't "lose" tens of millions of card information... Or get their systems hacked. Notice that it is not the banks that get hacked in general..
I have been taking NYC taxis for several years and never had an issue. Not going to worry about it because ApplePay launched.
Yes, safety is an important consideration. I would imagine most people sacrifice safety for convenience. For instance, look at all the sketchy ATMs that are used instead of bank ATMs due to their proximity to the bars. Regardless, Amex will wipe any bogus charges and overnight me a new card if i had an issue.
Yeah, even my cards with chips in them, I didn't have to swipe the magnetic stripe, but still had to scan the chip when I was in Europe. Someone told me that contactless cards aren't here in America because people find them too confusing. I'm starting to believe that.
The security of Apple has nothing to do with the security of apple pay. Your card information is not stored on apples servers.
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Your argument is against smart phones in general. Not Apple pay.
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Except if the cab company gets hacked or someone puts a skimmer on the swipe device, you have the hassle of having to replace your card. That can't happen with Apple Pay. So you have to weigh security in your dubious convenience theory.
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So why would you prefer having to possibly wait for AMEX to overnight you a card? And it could happen over a holiday weekend. With Apple pay you don't have that possibility of needing your card sent to you. So why would you use your physical card instead of Apple pay, when Apple pay is available? Not sure I understand your point? Your phone is usually in your hand anyway? Right? Your card requires you to dig out your wallet And find the card. So how is it more convenient to swipe the card?
Hmmm and your signature line says iphone 4. Do you even have a 6.
I just used Pay at this retailer again on Christmas Eve and it worked like a charm. I think Pay will end up being like Touch ID, a must have that consumers push more and more retailers to support.
I currently have a MBPR, original iPad, iPad Air, iPhone 5S and 6. I dont post often so updating my signature line isn't really a priority. Does my signature preclude me from commenting on ApplePay after having used it?
My point is if Apple and Banks are trying to convince people to embrace ApplePay, it has only been about convenience to the customers. Take a look at all the commercials about expedited transactions. There other marginalized benefit of security is somewhat moot to most because banks and CC issuers have made virtually painless to wipe the charges and get a replacement card. There are billions of dollars worth of transactions daily, most people aren't personally impacted. Furthermore, I dont eat McDonalds and wont go miles out of my way to pick up an Rx from Walgreens so the use cases are somewhat limited.
My phones are not attached to my hand 24/7. I check it in spurts in the evening to reply to my overseas colleagues. So this newfound "struggle" to get a CC out of my wallet isnt a big deal. (reminds me of infomercials trying to make something seem like a nightmare) When a new tech comes out this board tries to repaint simple tasks as arduous. I guess when the apple watch is launched you will all be saying using an iPhone is so cumbersome.
Look I think the solution is elegant and well executed. Im not certain its going to catch on as quickly as some here suggest. Like ApplePay, with chase or Amex cards I just tap and the payment goes through - no hassle whatsoever.
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 supportPay
Yup, I'm one of those. I'd go to Whole Foods for groceries but its 15 miles away.
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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.
Just as an fyi - they started out here in Austin as a hippie-type health food store. Lots of organic (before organic was the in thing), first place I ever saw/heard of smoothies and veggie chili. Lots of bulk foods too. Spent many lunches there in their small cafe,
In May of 1980 we had a really bad flood here and Whole Foods was located in a low-lying area downtown that flooded. The whole store flooded and has forever since been known here in Austin (at least be us old-timers) as 'Whole Floods'. For years after (until the moved locations) they still had sand bags out front.
Don't shop there now that they have moved upscale. I prefer Sprouts and Sun Harvest these days. But I'll always fondly remember the old 'Whole Floods'.
I was finally at walgreens last night and used it. The cashier said, "you still have to put in your numbers, what's the fun in that? Why bother?"
I said, it isn't about fun, it's about security. If you are hacked you don't have my real card number and I don't have the hassle.
She then couldn't figure out why I didn't have my own rewards card number and was sharing with my MINOR daughter.
THEN she proceeded to tell me "they" told her if you use your phone to pay they can find you online and hack into your phone. And she didn't want anyone hacking into her stuff.
I was walking away but trying to process that one... I just laughed and told her they wouldn't get anything, but no, it wasn't going to let them hack into my phone.
Sadly, I'm totally not surprised by this given the area I live in.....
I said, it isn't about fun, it's about security. If you are hacked you don't have my real card number and I don't have the hassle.
She then couldn't figure out why I didn't have my own rewards card number and was sharing with my MINOR daughter.
THEN she proceeded to tell me "they" told her if you use your phone to pay they can find you online and hack into your phone. And she didn't want anyone hacking into her stuff.
I was walking away but trying to process that one... I just laughed and told her they wouldn't get anything, but no, it wasn't going to let them hack into my phone.
Sadly, I'm totally not surprised by this given the area I live in.....
Misinformation and lies abound with the haters. Lol
Just scratch your head and walk away is he only thing we can do. When it catches on, folks like her will have to comply.
Just scratch your head and walk away is he only thing we can do. When it catches on, folks like her will have to comply.
The one thing that sucks right now is merchants that don't support Pay (or any kind of contactless payments) but haven't shut off NFC at their pos terminals. So it looks like Pay should work, and the screen and everything comes up on your phone only for the payment to be rejected. I don't know what, if anything, Apple can do about that but it does sour the experience.
Yep, as long as you've never used that same card account at Walgreen's before using it with Apple Pay.
Otherwise they already have your real card number stored in their system, and all you've done is close the barn door after the horses are gone.
(Same goes for anywhere that you've ever used or will use that card. If any place that has it stored gets hacked, the number is compromised and you'll still need to register a replacement. One day perhaps every place will be tokenized, but until then there are many weak links in the chain.)
Yikes. Wonder who "they" were? Training staff? Friends? Random email?
Doesn't that depend on the processing system? I though many merchants are a pass-through for the credit card data, which goes to its payment processor and then on to the acquiring bank, and it is generally never stored permanently on the merchant's servers. However, a RAM scraper can still grab the card data during the transaction as the transaction is occurring, regardless of the setup between the merchant and the payment processor.
So even if you used a card at that merchant in the past, the number is likely not stored on their system (they have no reason to store it -- everything goes through its 3rd party payment processor). But it was vulnerable while in memory for the blink of an eye as the prior transaction occurred. But that vulnerability only exists DURING the transaction, unless, as you say, for some odd reason the merchant stores the data. I don't think that is typical in the U.S. though.