You can use Apple Pay on the Watch while in Airplane mode/while not connected to your phone.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Pay to Be Available in 60% of U.S. Retail Locations by End of 2018
- Thread starter MacRumors
- Start date
- Sort by reaction score
You can use Apple Pay on the Watch while in Airplane mode/while not connected to your phone.
I get this same experience occasionally. When everyone had to update their POS terminals a while back (to handle chipped cards), many went with the same model, which can have NFC payments turned on (or off) via software, so one can't tell without trying it. One nice thing that happened just recently was many of the parking meters in town getting upgraded to support Apple Pay - where before you'd slide a card in and back out, choose the amount of time, and hit "Okay"... and then wait at least 30 seconds for it to authorize, now you walk up, hit "Okay", hold your watch or phone up to it and get an instant ding feedback, and then select the amount of time and hit "Okay" again, upon which it immediately says "Authorized". At this point, it works most of the places I commonly go - supermarket, drug store, pet store, it just works. It ought to work at CostCo for gas, too, but I haven't tried that yet.
Okay, so I can understand that the first store doesn't move (although most stores don't - seems like an odd attribute to single out), but does the second one actually sell trains? Or is it on a train?
Last edited:
Yes, I also recall hearing that Apple gets a tiny cut out of the bank/card's transaction fees, so it's "invisible" to the stores. And the payoff is not just fraud risk reduction, it's also making the transaction more "frictionless". The credit card companies take all sorts of steps (which are calculated risks, really), to make it easier to spend, to encourage you to either decide for (vs. against) spending at that moment, or to sway you to use the card instead of cash - this is why they started dropping the signature requirement for lower amount transactions, stopped asking for other ID for such transactions, etc. The more you reach for their card (or their card in Apple Pay), instead of cash (or skipping buying something), the more they make. They have to weigh the reduced security of these steps (potential increase in fraud) against the potential for more spending.
I recall hearing at one point (and take this with modest amounts of salt) that it wasn't so much that the credit card companies would return a go/no-go signal on a given transaction, but rather the credit card companies return a score that is affected by all manner of minor details (e.g. not just "does the supplied address match their database", but exactly how precisely does it match? Maybe having "St." when their database says "Street" lowers the score by a fraction of a point - or having the building address minus the apartment number would drop more points), and then the stores have policies on how low of a score they're willing to accept - because if they submit transactions with really high scores, they get a lower rate, but if the scores are lower, then processing the transaction costs the store more (with the difference essentially covering "insurance" to handle the very slightly higher number of fraudulent transactions). This also explains why different stores have different policies for, say, how big a transaction has to be before they require a signature - it's a matter of what scores they will tolerate. The scoring they're required to achieve on transactions may also be pre-negotiated with the credit card companies.. (Take this for what it's worth - I recall reading it, way back when, but I can't back it up with any verifiable sources.)
In comes Apple Pay, and it gives them an extremely high likelihood that the transaction is valid (so, lower costs to process), along with being extremely frictionless to use (so you're likely to use it instead of a physical card, or cash). No wonder that so many banks were falling all over themselves to get you to put their card into Apple Pay when it first came out.
Last edited:
FYI - I have been using Apple Pay with my watch since series 0 in 2015. And once I discovered your phone didn't need to be with you, I was ecstatic. Give it a try!
Yes, we have all the expensive stuff but don't use it
most important here, is that friends make business and taxpayer has to pay it.
usage is forbidden in europe, because it means competition, and thats not wished here!
Was more like 0.15%
[doublepost=1537942187][/doublepost]
My 86 yo mom has been doing this since day 1 of iPhone 6, and day one of Apple Watch.
[doublepost=1537942392][/doublepost]
Was on the phone a day ago regarding kroger points card and asked if there was any word in activating Apple Pay (Kroger successfully trialled it in Arizona 2 years ago) but there was no new info.
Told the representative to get word to management that we are shopping more at Meijer and Costco than kroger nowadays because Apple Pay.
What are you even talking about?!? Your post doesn't make sense at all.
Right now, you can use ApplePay throughout Europe even if ApplePay has not officially started in that country yet (Germany, Austria, etc.) as long as the merchant accepts MasterCard/Visa via NFC. So basically all chain stores are on board and more and more little shops, restaurants and cafès.
Here in Switzerland it’s the opposite. The banking cartel mostly don’t offer Apple Pay because the have their own moribund system called Twint.
You can use Apple Pay on the watch without your phone. I may have read somewhere that it only works a limited number of times, but I could be misremembering. https://support.apple.com/en-us/HT205547
The stationery (my bad, I used the wrong stationary) store sells paper, pens, office supplies, etc. I bought colored pens.
The train store sells electric trains, etc. I bought a couple of books.
The train store sells electric trains, etc. I bought a couple of books.
In the UK almost everywhere takes NFC/ApplePay/GooglePay/SamsungPay
With the odd hold out shop : and the ones that don't accept it have to stick a normally handwritten "not contactless" sign on the reader as so many people try paying with it now
A lot of the little independent shops use those iZettle type thingies.
Do we really need it, I have my cards in my iPhone case, before even checking out I get the card out, when I have to pay I tap the card against the POS, that's it.
Apple pay does not add anything in Europe amongst other places when you have your cards in a iPhone case.
The only thing I can see is more convenient is when you don't have your cards/iPhone with you but do have a cellular Apple watch.
Oh, and we don't have to think about security, ApplePay is just a bit more secure but to us as a consumer it makes no sense whatsoever, reason, if there's fraude we don't lose money as in the states (IIRC) so there's that.
Would I like to see it here, yes, but I am OK without it.
It's just convenience, nothing more, nothing less.
In fact, it would help much more if we could use the NFC chip inside iPhones for other purposes, example, DigiD, there are several security levels available, yet I can't use level three, an NFC enabled phone is needed, or what about public transport, how convenient would it be to just tap your iPhone to check into the transport system.
Last edited:
Yeah the transportation option is amazing
Over here. I use it for shanghai Metro all the time. Hardest thing to give up when I leave here is the massive digital payment and eco system. The apple wallet transit system is easy as. Don’t even need to unlock phone etc.
Attachments
Since Kroger is not international, and with California State, China and a few other countries pushing for 0 emissions vehicles by 2030 don’t worry they’ll both come around or go bust.
[doublepost=1537954054][/doublepost]
Lol. I can’t stand those card holding cases. To me their fugly and just bothersome. No thanks never have nor will use those wallet cases.
It would be nice to get something better than a iPhone 6 but I'm looking at price point only. I got my used iPhone 5S for $30 locally two years ago with a cracked screen and fixed it locally and by now a base iPhone 6 in the same condition should be about $30 now.
There's lots of iPhone 6 and 7 for sale now with cracked screens or boot loops or water damage in the $50 range. Someone will bite soon when I bid lower.
And Walmart is about to do a big push to force people to use WalmartPay. I do use it and like that I can immediately submit my receipt to their SavingsCatcher program which gives money back if there are lower advertised prices at other local stores. I think SavingsCatcher is more popular than WalmartPay and lots of people enter their receipt info after paying.
On my recent trip there, there was a note on the screen saying that after some day next month, ONLY transactions that are purchased by WalmartPay can be submitted to SavingsCatcher. So this seems to be a way to force more people to use WalmartPay.
My local Mobil station recently got new pumps and they have the readers built in. I think it's just a matter of time - as stations upgrade their pumps, the newer ones will likely take mobile payments.
[doublepost=1537962868][/doublepost]I
I'm not sure I understand the risks of using Apple Pay with the Speedpass app. Can you elaborate? For me, it seems much, much safer than swiping a card. I've also noticed that some stations offer 10 cents off per gallon if you use the app.
I guess I mostly patron the other 40%. Only McDonald’s, Walgreens, Subway, Buc-ees, and my bank atm support Apple Pay.
You can use AP on your watch without it being connected to your phone. This has been possible since it’s intro.