This has nothing to do with government regulations. Unless you mean a lack of regulation forcing a change.
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Apple Pay Rolling Out at Target, Taco Bell, and Jack in the Box Across the U.S. in Coming Weeks
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This has nothing to do with government regulations. Unless you mean a lack of regulation forcing a change.
I was just in New York. Paid by AMEX, they made me sign a paper receipt. My AMEX doesn’t even have a signature on the back anymore so it’s not like they have anything to compare it to.
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When do you need a driver’s license? When you’re driving, when you’re in your car. Why carry the driver’s license with you everywhere when it can just stay stored in the car?
I guess I’m not young enough to be asked for ID so I don’t need it for any other purpose.
I don’t carry a wallet or keys. Sometimes I don’t even carry my phone. My Watch does everything.
That makes no sense at all. You're going with a personal anecdote of 8 people vs hard large numbers that make it pretty easy to see the 24.8% as plausible? Well that's... no, still makes no sense at all. Especially when they show how they arrived at the percentage. Estimated 195 million adult smartphone users in US. Est. 95.5% of those either Android or iOS (186.2 million adults). Est. 46.2 million adult smartphone users have tried WPay. 46.2/186.2 = 24.8
Considering approx 270 million people visit Walmart... weekly, it ain't that hard to understand. But we're gonna treat your 8 equally..
That's not 270m unique weekly visitors. Anyway, I don't buy that 1/4 of all adult smartphone users have tried WPay. I understand that my anecdotal 'evidence' is flimsy at best, but come on! I don't go to Walmart that often, but when I was there - usually waiting in a god-awful line - I don't see 1/4 of all people use WPay. Come to think of it, I've *never* seen anyone use it.
Does Google's App Store provide statistics? Apple's App Store doesn't I think. Would be nice to see how many download the app's had.
That’s on the retailer. The card issuers and payment networks dropped signature requirements for low value purchases almost a decade ago, and for all purchases about 9 months ago.
https://www.nytimes.com/2018/04/08/business/credit-card-signatures.html
We had Speedpass about 20 years ago and it was around for years before being removed from most industries because the use rate wasn't high enough and people didn't trust it as much as they do these things now. I think it's still around at any Exxon owned chain gas station. It's a key fob with your details.
NFC payments came out later where you'd tap your credit or bank card on a payment terminal and you'd pay for your stuff. It's existed for a long time. Apple or Google pay are simply easier than removing a card from your wallet or purse and putting it back.
As far as tap n' pay goes, I used it when I had a card with the chip allowing me to do that. A breeze and not having to make small chat with a cashier.
Edit: https://www.creditcards.com/credit-card-news/contactless-tap-and-go-cards-us-market.php
They came out in 2003 and were available from select third party merchants and most major financial institutions in the US. Usually has a symbol on the card. Sometimes you need to special order one.
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Where I used to live was almost this way. We had a few Target stores and Kroger, but that was about it. Luckily, Columbus has a million similar stores so I very, very rarely have to touch a Walmart.
I can’t wait. From now on I’m only eating at Taco Bell and Jack in the Box.
In the US, a drivers license is your “ID” not just a drivers license. In fact people who can’t drive generally have “State ID cards” which look like licenses but aren’t valid to drive.
Good luck getting into certain bars and buying alcohol without the ID, no matter how old you look. Some bars check everyone because they swipe it to see if you were banned/caused trouble. Some stores scan it because they scan everyone’s ID because if they don’t, the cashier him/herself gets in trouble with the cops, not the store.
Some states are ahead of the curve and have apps for your ID card instead of having to carry it; like Lousiana, has LAWALLET in the App Store.
Edit: I want to add that a lot of stores will also check ID when using a credit card, unless it’s Apple Pay.
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I had no idea this was even a thing. I hope New York adopts this soon. I live in NYC where Apple Pay works basically everywhere that isn’t cash only. If I didn’t need to bring my ID out with me I could seriously leave my wallet at home and just leave like a $100 dollar bill tucked behind my phone case for emergencies.
This is my point. Driving is not the only time I've been asked for my license. It is your best ID after your passport in the US. Not sure how it works in other countries. I know that digital licenses are in the works, but most if not all states do not have it yet.
My curiosity is just how quickly we'll get to a wallet less society. For most people, I don't think we're there yet.
I use a Samsung phone and do use Samsung pay. I used to use Apple Pay when I had an Iphone, although not that often because there were not many places you could use it at the time. I have found terminals that worked perfectly and others that were problematic. Sometimes the cashier would say "we've been having trouble with it all day". I then have to use my card (which is in my wallet
).
Now if Casey’s could just get it working... they’ve “supported” it for two years but their terminals crash every time I try it
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Not anymore! That requirement ended! a few weeks ago...
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I have cousins in australia and the UK, it seems a drivers license (or as they say a driving licence) is also de facto there. I guess I’m not sure how it is in Canada
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It’s very much a thing for Lousiana. I know that Arizona & Iowa have been working on theirs. Here in AZ the governor went as far as issuing an executive order to have the MVD (DMV) start its development for the mobile app as soon as possible.
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I’m hoping New York’s cash only businesses get with the program soon. It’s a whole different world on the other side of the country, in California & west coast where shops big and small all accept credit cards and we never ever carry cash.
It’s pretty rare these days. There is only one place I go with any regularity that is cash only. And even that place has an ATM right outside the door that accepts Apple Pay for debit cards so I can take cash out without needing to actually have my debit card.
Lately I’ve been seeing the opposite of cash only be a thing here in the city. Places that aren’t allowing cash at all, just credit/debit, Apple Pay/Google Pay/etc.
I think this depends on where you live. There are a few small businesses around where I am that are cash only. I haven't run into any that are credit only. I'm sure the day will come when that is the case.
One other thing. I think a cashless society will be very difficult for some people. It's very, very, difficult to keep on a budget when you use credit. Some people have trouble with it. Not all, but some. We'll see how this plays out.
I guess so. How else are they going to give a 3 foot receipt?
And Home Depot. They still don't do nfc contactless.
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Yeah, and starting in watchOS 5 the watch now completely duplicates the functionality found on iPhone (ie., starting with watchOS 5 it is now possible to view recent purchases made using Apple Watch and to get a notification right after making a payment, both of which weren't happening before).
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The problem with a cashless society comes with an emergency. After an earthquake, storm, etc, power goes out so electronic systems won't be working.
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Yeah but they weren't really used. Before Apple Pay came out in 2014, tapping wasn't really a thing in the US and more than 90% of the merchants there were using magnetic stripe readers only, so people ended up swiping instead of tapping the cards most of the time.
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Not always. The signature requirement has now ended, but even before it did most of the main stores had already been having the customers sign on a computer screen for a long time.
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Loyalty cards are indeed supported, but it's up to each merchant to decide whether or not they will allow theirs to be added. So far, only Walgreens in the US supports adding their loyalty card to Apple Pay.
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That's a weird statistic though. How can it be the leading mobile payment when it's only accepted at Walmart stores and all other mobile payments are accepted virtually everywhere? it really doesn't make much sense to even compare because the systems are too different.
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But unlike Taco Bell, KFC has already been accepting Apple Pay for a long time.
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I'll add that it seems to be that various payment processors and retailers have been better at turning off the signature requirement than others. At work, we have some Bank of America-run terminals and they didn't require a signature with a Mastercard I had, but still prompt on Amex and I think Discover. Bigger retailers may need to eventually turn this off, but it wasn't automatic when the card networks lifted the requirement.
It's not Apple Pay being rolled out to specific merchants in the US, it's contactless payment that's actually being rolled out to merchants there. Contactless cards weren't really a thing in the US, and more than 90% of the merchants there did not accept contactless payment until after Apple Pay launched in 2014. As for the merchants discussed here, they've had the infrastructure for contactless payments since a long time ago but deliberately had the contactless turned off until now to block Apple Pay and other cell phone payments. And hardly anyone minded if they did that because people in the US don't use contactless cards and still very few actually use Apple Pay, google pay or other similar mobile payments.
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Target is one of the few decent retail chains left (better than Walmart IMHO), but Target's online security was also relentlessly attacked and humiliated by hackers…. SEVERAL TIMES in the past few years. The new ability to use ApplePay will now become the only "secure" way to make a Target purchase (besides paying with cash).
They're simple usage statistics. Being accepted virtually everywhere means nothing if the usage isn't high. According to the stats Walmart Pay has a higher usage rate. Not sure what you mean it doesn't make sense to compare. They're mobile payments systems that people can use. What's not to compare?
in Ontario (Canada) too. It's the de-facto identification. if you don't drive, they encourage you to still go to the place where they provide licenses and apply for a non drivers version of it for identification. The card looks almost identical to a driver's license, but a different colour.
Generally speaking, most people will go without ever being carded. But on the odd chance you are for any reason, not being able to provide "approved" identification. That being a driver's license, one of those cards, and a couple other items (believe it or not, our provincial health card, even with our photo is NOT considered legal ID).
if you don't show when asked, you could be refused whatever service, being using a card to purchase something, (you can technically be asked for ID when using a cc), or drugs/alcohol purchase.
It doesn't make sense to compare a payment system that's specific to a single merchant (no matter how large it is) with other systems that are accepted by millions of different merchants. Usage of Walmart Pay by number of people may be higher, but it's all concentrated within a single merchant whereas Apple Pay is more widespread among all the merchants. Saying Walmart Pay beats Apple Pay is like saying Chinese is more widely spoken than English when Chinese is spoken by more people but all in a single country and English is spoken by hundreds of millions of people spread over practically all countries in the world.
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In Mexico it's different. Here the driver license was dropped as an official identification around 1991 because they were laminated at the time and therefore easy to forge, not to mention that drivers in Mexico were not and still are not tested before being issued a driver license. Since 1991, the official ID in the country is the voting card issued by the national electoral institute (formerly the federal electoral institute) which is free to obtain and includes many more security features than a driver license does. That's the ID now requested everywhere in Mexico for people born in the country.
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You're the only one making a comparison as if it's a contest where one of them wins. The comparative is valid within the context of why Walmart isn't accepting the NFC Pays and why they don't really need to accept them. That's the context upon which this entire discourse has been founded. NFC payment systems being accepted by millions of merchants means nothing within that context of the discussion.
Home Depot actually used to do NFC, but they removed the capability a little bit after Apple Pay was released. I vaguely remember using Apple Pay in my HD once or twice before the feature was turned off.