Apple Pay Rolling Out at Target, Taco Bell, and Jack in the Box Across the U.S. in Coming Weeks

[ecschwarz]

If Taco Bell is joining the Apple Pay party, then KFC should be included as they are co-owned.

I've already used it at two KFCs, so I don't think they were blocking it - they both had the Ingenico terminals instead of the Verifone ones popping up at a lot of Taco Bells.

Also, regarding Pizza Hut - the ones near me have the little Verifone terminal behind the counter, so I suspect it should work, but may be too much work for people to do that.

 

[dontwalkhand]

I've already used it at two KFCs, so I don't think they were blocking it - they both had the Ingenico terminals instead of the Verifone ones popping up at a lot of Taco Bells.

Also, regarding Pizza Hut - the ones near me have the little Verifone terminal behind the counter, so I suspect it should work, but may be too much work for people to do that.

It works fine at Pizza Hut. They hand you the terminal, no biggie. They keep it behind the counter because they hand key credit cards into it when people call in a pizza order.

 

[hypertoast]

Except then it's no more secure than using the mag stripe. Because that's all it's doing is emulating the magnetic stripe. Maybe a little more convenient, but doesn't have any of the minimal security improvements of something like Apple Pay or a chip.

Which makes it no different than using the actual card in terms of security. So when Walmart gets hacked the bad guys will have your real credit card number as well as your name and any data associated with it. On the other hand Apple Pay, Google Pay, and other NFC token payment systems don’t reveal your credit card or personal data to the retailer. That makes Samsung Pay the least secure payment system doesn’t it.

Samsung Pay, like any other player, providers a virtual CC number. It provides an "additional" method to use, if NFC is unavailable. Samsung Pay is smart enough to know if the terminal is NFC capable or not.

Please do not make blanket statements against technologies which you have not used/ are unaware of.​

 

[jsalda]

Once Target implements the Red Card, I'll shop there more often. Now, if WM will get on board as there is a Neighborhood Market 3 blocks from my house and I can't count how many times I've ran up there to grab 2 or 3 things and have forgotten my wallet, but not my phone.

 

[Alan Wynn]

Already been posted. That is clearly for smaller vendors and the deal for large retailers like Target does NOT happen by simply turning it on. There are contracts and negotiations done behind the scenes.

Hyatt has over 750 properties and has an average transaction dollar value many times larger than Walmart and Target. MGM Casinos also rolled out NFC pay supporting Apple Pay with no deal with Apple. Is your definition of “smaller retailers”: ‘Anyone Tim Cook did not announce’?

Guess how I know?

As a faculty member, I would either call this ‘proof by vehement assertion’ or ‘appealing to authority’ and would give you no points for either. If you have some specific knowledge based on some role at work, feel free to prevent evidence of it.

 

[ericg301]

had my first negative experience with apple pay recently. i had bought something at CVS via ApplePay. Got home and realized I didn't need it. So my wife went to return it a few days later. Even though we have the same, shared credit card, she couldn't return it because I used apple pay. i had to go back myself, and use my apple pay to return it.

whereas if i had just used my credit card, she would have been able to return it, no questions asked.

didn't realize that this could be a problem.

 

[Gilligan's last elephant]

Which makes it no different than using the actual card in terms of security. So when Walmart gets hacked the bad guys will have your real credit card number as well as your name and any data associated with it. On the other hand Apple Pay, Google Pay, and other NFC token payment systems don’t reveal your credit card or personal data to the retailer. That makes Samsung Pay the least secure payment system doesn’t it.

Samsung Pay has two modes of operation. NFC token or mag stripe interface. So if you go into a store with just a phone that doesn't have NFC your snookered. Samsung user won't be

 

[iAVERY]

If the rumors are true and Amazon purchases Target will they take Apple and Amazon Pay?

Whole Foods accepts Apple Pay and is owned by amazon.

 

[Alan Wynn]

Samsung Pay, like any other player, providers a virtual CC number. It provides an "additional" method to use, if NFC is unavailable. Samsung Pay is smart enough to know if the terminal is NFC capable or not.​

​

Absolutely true that it is possible to use it in many places where NFC payment is not available, but it still has the lowest consumer adoption rate of any of the NFC-supporting mobile payment systems, behind Apple Pay, and Google Pay.

 

[69Mustang]

I have seen a few people on here state this, but I have not been able to find a source that supports this (not arguing it is not true), do you have a recent source? I find statements from November of 2017 from a Walmart executive that Walmart Pay is on track to exceed Apple Pay by 2018, but have not seen any current numbers. I know that Apple announced on its last earnings call that Apple Pay transactions had tripled year over year.

However, even assuming that it is true, I am not sure that argues against offering Apple Pay. Walmart Pay is targeted at regular Walmart customers, Apple Pay is targeted at retail consumers as a whole. I do not shop at Walmart enough to even consider setting up a Walmart Pay account, and their lack of Apple Pay support makes me way less likely to shop there in the future, especially with Target now supporting Apple Pay.

The most current numbers aren't that current, but they do point to the success of Walmart Pay in the US.
https://www.pymnts.com/mobile-wallet-adoption-statistics/
To me, it seems Walmart figures they can go it alone without the other NFC based pays. Walmart has 270 million weekly customers. A lack of Apple/Android Pay doesn't affect those numbers. The questions that Walmart has probably asked and answered are "Do we gain more by going with our solution and keeping all the data that helps us maximize customer engagement and profitability?" or "Do we gain more by adding the other NFC based Pays to our offerings... but lose the customer data associated with those Pays?" If they asked those questions, the answers probably came up as Yes and No respectively.

Short answer: til their numbers change, I don't think they don't need any of the NFC Pays. They're doing just fine going it alone. Most companies can't.

 

[bn-7bc]

The problem is that far too few US merchants have contactless pay for anything. That is slowly changing.

On the other hand, unlike Canada and the UK, there are few limits on contactless pay amounts in the US. In Canada, most merchants limit contactless transactions to CDN$100, but I've been to a few that let me charge over $300. In the USA, the most I've ever paid on ApplePay was USD$5,500 (car down payment).

Yea that is strange I've heard that contactless pay has a limit of NOK 250 her in Norway but i recently bayed NOK 3799 (about USD 440) for a washing machine with apple pay, so either the limit has been raised or apple pay is treated as card prescient (same as chip and pin)

 

[hypertoast]

Absolutely true that it is possible to use it in many places where NFC payment is not available, but it still has the lowest consumer adoption rate of any of the NFC-supporting mobile payment systems, behind Apple Pay, and Google Pay.

Any source for this please?

 

[bn-7bc]

I wonder how it will also impact it. Because right now with the Target app it applies all my coupons and pays.

Apple Pay saved my butt in London, the airport hotel shuttle did not accept my contact less credit card, but it took Apple Pay (using the same card!).

Hmm that is rather strange unless ofc apple pay is processed differently than the card, I do not know how apple pay works on the prosesing end, but might be that the shuttle did not except credit cards but it detected (for some odd reesaon) apple pay as debit. If someone with knowlage an peermision to talk about it can chime inn it will be apreciated

 

[Gilligan's last elephant]

Absolutely true that it is possible to use it in many places where NFC payment is not available, but it still has the lowest consumer adoption rate of any of the NFC-supporting mobile payment systems, behind Apple Pay, and Google Pay.

And why does that matter? Samsung pay can be used ANYWHERE that takes card payments. I don't have a Samsung phone, but if I lived in a country with poor NFC adoption, I would see the Samsung phone as the best option.

 

[CarlJ]

Yet, in the US you still sign a piece of paper when you purchase something to authenticate that that’s your card? How is that for security? How has the US fallen so behind?

The US public isn't especially happy with the current system, it's the corporations - and the government officials they buy - who like the old way.
[doublepost=1548193398][/doublepost]

Now, if Home Depot would just support it, my life would be complete.

They did support it, for a little while - until they realized they'd left the NFC option switched on in their new POS terminals, then they rushed to turn it off.

 

[dontwalkhand]

For a country that’s supposed to be a beacon of advanced nations, you guys have a pretty stone aged banking system.

ApplePay was accepted virtually everywhere on day one in Canada because most retailers already had NFC terminals for tapping credit and debit cards. It’s the same in many of the European countries ApplePay is in.

Yet, in the US you still sign a piece of paper when you purchase something to authenticate that that’s your card? How is that for security? How has the US fallen so behind?

FTFY We don’t sign a paper, we sign a big fancy screen.

Now we don’t do anything at all. You insert, it beeps, you remove it.

 

[CPx]

Ok now Kroger/QFC, get it together please

 

[chinito77]

I know it appears that the USA is behind in NFC technology but consider a "highly developed" country like Japan, Apple Pay is not popular here. Most places only accept cash/coins. The only popular quick pay is the train pass/NFC hybrid cards. Where we can use the same card to pay for food and board the train.

 

[Alan Wynn]

Any source for this please?

“Apple Pay has captured the lion’s share of payments among debit card users with mobile wallets, according to new data from Auriemma Consulting Group.

The payments and lending advisory firm’s study of debit card issuers found that 77% of mobile wallet transactions used Apple Pay. Samsung Pay made up 17% of mobile wallet transactions among debit card users, and Google Pay made up just 6%.”

CU Times

It references debit card transactions, I will try to find the numbers for credit card transactions.

 

[Johns12]

For all of you people who seem to go out without your wallet, how do you deal with no drivers license?

 

[Gilligan's last elephant]

For all of you people who seem to go out without your wallet, how do you deal with no drivers license?

In the UK, one has seven days to report to a police station with one's licence if required. That is inconvenient of course. I never go out without my wallet. There are other things than cash and bank cards that one needs to carry.

Edit: Need is probably too strong. Want is better

 

[Killbill2]

Target (13th ranking) gets the notice holdouts like HomeDepot (6th) and Lowe's (14th) are still big holdouts. HomeDepot famously shut ApplePay off and have on and off promised to add ApplePay for a couple of years.

 

[mrow]

had my first negative experience with apple pay recently. i had bought something at CVS via ApplePay. Got home and realized I didn't need it. So my wife went to return it a few days later. Even though we have the same, shared credit card, she couldn't return it because I used apple pay. i had to go back myself, and use my apple pay to return it.

whereas if i had just used my credit card, she would have been able to return it, no questions asked.

didn't realize that this could be a problem.

CVS makes you provide the card for returns? Most places I’ve been to these days just refund it to the card used unless you request otherwise.

 

[dontwalkhand]

I know it appears that the USA is behind in NFC technology but consider a "highly developed" country like Japan, Apple Pay is not popular here. Most places only accept cash/coins. The only popular quick pay is the train pass/NFC hybrid cards. Where we can use the same card to pay for food and board the train.

Japan needs more Visa & mastercard love. It’s because they have 27 different card brands including visa and MasterCard.

 

[twolf2919]

They force you to use it for the Grocery App (the drive-up pickup) and for the Savings Catcher... so people that use either of those are using it, they likely just don’t know they do.

I believe the statistic was that nearly 25% of *all* iOS/Android users have that Walmart app installed - that includes people who don't even go to Walmart. If it's 25% of people who shop at Walmart, that seems reasonable. But then it hardly says anything about Walmart's success vs. ApplePay or GoogleWallet.