Apple Pay to Be Available in 60% of U.S. Retail Locations by End of 2018

[dontwalkhand]

I recall there being a story going around, right after Best Buy started accepting Apple Pay, of someone paying by Apple Pay and then going to leave, and the cashier calling in security to detain the customer, convinced that the customer had performed some sort of sorcery on the POS terminal and was committing fraud, or thievery, or both (and probably thought the customer was a witch).

Myself, I got plenty of "Wait, what?" reactions early on when I paid without doing the recognizable motion of swiping a card. Nowadays, they're used to Apple Pay, they're used to me having my own bags, and the main bit of surprise is when they ask me to type in my phone number, and I reply, "no", while holding up my phone, with the necessary barcode of the loyalty card being displayed by Apple Wallet (what's weird is, this continues to occasionally astonish cashiers at RiteAid, after they made everyone sign up for the loyalty card, and the brochure they handed out pointed to a website and an app, and the app has an option specifically for putting the loyalty card into Apple Wallet - this is an official feature of their own card, why does my use of it surprise them?). (Oh, and FWIW, Stocard is useful for getting some loyalty cards into Apple Wallet that wouldn't otherwise go in - keeps me from having to carry supermarket cards.)

I wouldn’t let that fly. Lawsuit time to Best Buy, settle out of court, buy stuff at Apple instead. I’d love for them to detain me for Apple Pay, more reason to sue the **** out of them.

 

[DeepIn2U]

What changes?

Payment changes made with Apple Watch S2/S3 Nike+ GPS only models using Apple Pay, outside range of iPhone, will it work and the bank account charges or payments charges updated when next in range??

 

[dontwalkhand]

Payment changes made with Apple Watch S2/S3 Nike+ GPS only models using Apple Pay, outside range of iPhone, will it work and the bank account charges or payments charges updated when next in range??

The watch itself does not process any payment. The card reader does. The watch just sends the tokenized card number which is stored on the watch itself.

 

[DeepIn2U]

The watch itself does not process any payment. The card reader does. The watch just sends the tokenized card number which is stored on the watch itself.

Nice to know and thank you!
Decided GPS for S4 Nike+ (like previous generations).

 

[lartola]

And Walmart is the last hold out....I’m sure the CurrentC payment system will launch any day now.

No there are others such as Target, Krogers or Home Depot who still aren't accepting any contactless payments.

[doublepost=1542430841][/doublepost]

Apple Pay is the reason I want a cellular Apple watch next time. Until then, my new 4 GPS will do fine!

What do you mean? a GPS only Apple Watch can do Apple Pay just fine. It's not a feature that's exclusive to cellular models.
[doublepost=1542431028][/doublepost]

CurrentC has been shelved indefinitely, and the Target App accepts Apple pay.

But not the Target stores.
[doublepost=1542431573][/doublepost]

Apple gets 0.15% in the US, supposedly much less elsewhere.



Restaurants too. The ones that bother to upgrade to chip are generally not adopting pay at the table or even paying at the front for that matter.

I would add hotels too. And by the way, the few restaurants that do accept Apple Pay in the US have implemented it the wrong way: by using an app. And I say it is the wrong way for two reasons: First, if every restaurant that wants to implement Apple Pay requires us to download an app we're going to end up with our devices full of apps taking up storage space and slowing down our devices, whereas pay at the table (or front) does not require any app. Second, by not implementing pay at the table or front, restaurants are still denying basic security to people who still pay with cards and have to let them be taken out of their sight. Not to mention that many restaurants still haven't upgraded from their magnetic stripe readers. It is an irony that I can pay with Apple Pay at most restaurants in Mexico, where Apple Pay hasn't even launched, and hardly any in the US.
[doublepost=1542431735][/doublepost]

I was just travelling in Europe and found Apple Pay worked on a lot of terminals, even when it wasn’t marked. Contact-less payment infrastructure seemed pretty widespread from what I saw.

Yeah once set up, Apple Pay works anywhere contactless payment is available. Even in countries where it hasn't officially launched. I use it in Mexico regularly, for example.
[doublepost=1542431789][/doublepost]

Costco’s Gas Station was the first one that I ever saw accept Apple Pay.

I saw an Exxon station in Laredo, TX last year (2017).
[doublepost=1542432024][/doublepost]

Sad thing that my iPhone 5S with iOS 12 still doesn't support Apple Pay Cash. I know it doesn't have the NFC chip for store readers but I should be able to receive Cash payments or use Apple Pay for online purchases like the mcd app. There's no Plus-Sign in the Wallet app to add a credit card to my dismay. Now I'm looking for an used iPhone 6 just so I can set up Apple Pay Cash.

Problem is that, in addition to nfc, the 5S lacks the Secure Enclave chip where the payment info gets stored. That's why it cannot use any of the Apple Pay features. If you can't get the used iPhone 6, look for a used original or series 1 Apple Watch. It may be cheaper than buying a phone.
[doublepost=1542432300][/doublepost]

Gas pumps and restaurants. It needs to be at gas pumps. And restaurants.

I've been skimmed THREE times this year, twice at gas pumps, once at a restaurant. I'm so sick of swipe only readers. I'm sick of criminal waitresses too now lol.

I've seen Apple Pay pumps only at a new Love's.

I go to Exxon when I can and use their Apple Pay enabled app, but that's still a PITA and carries it's own risks.

Restaurants I've started paying cash only.

Yeah it's an irony that, with Apple Pay not officially available in the country, still more restaurants and gas stations in Mexico are able to accept Apple Pay than in the US, where Apple Pay launched four years ago.
[doublepost=1542432867][/doublepost]

How does it connect to the internet to perform a transaction then?

I use it pretty much everywhere in Canada, except walmart cause they’re being stupid.

It doesn't. Payment information is stored on the watch itself and all the watch does is transmit that info directly to the store's terminal and then it's the store terminal that will connect to the internet to request authorization for the payment.
[doublepost=1542433089][/doublepost]

Interesting. I was always under the impression that internet was required to at least confirm you have the funds.

It is required, but not on your watch. That confirmation is done by the store's terminal after you tapped your watch, not by your watch (or phone). All your watch does is send the payment information to the terminal.

 

[cbaca51]

I like to shop at places that support Apple Pay. Target is the only holdout on stores that I frequent and that’s super annoying tbh

 

[lartola]

I like to shop at places that support Apple Pay. Target is the only holdout on stores that I frequent and that’s super annoying tbh

Well with target you could use their app instead of going to the store (or you can do in-store pickup, that way you pay using Apple Pay via the app and then go pick your stuff up at the store). The app does accept Apple Pay, only the stores don't.

 

[rjlawrencejr]

No there are others such as Target, Krogers or Home Depot who still aren't accepting any contactless payments.

[doublepost=1542430841][/doublepost]
What do you mean? a GPS only Apple Watch can do Apple Pay just fine. It's not a feature that's exclusive to cellular models.
[doublepost=1542431028][/doublepost]
But not the Target stores.
[doublepost=1542431573][/doublepost]
I would add hotels too. And by the way, the few restaurants that do accept Apple Pay in the US have implemented it the wrong way: by using an app. And I say it is the wrong way for two reasons: First, if every restaurant that wants to implement Apple Pay requires us to download an app we're going to end up with our devices full of apps taking up storage space and slowing down our devices, whereas pay at the table (or front) does not require any app. Second, by not implementing pay at the table or front, restaurants are still denying basic security to people who still pay with cards and have to let them be taken out of their sight. Not to mention that many restaurants still haven't upgraded from their magnetic stripe readers. It is an irony that I can pay with Apple Pay at most restaurants in Mexico, where Apple Pay hasn't even launched, and hardly any in the US.
[doublepost=1542431735][/doublepost]
Yeah once set up, Apple Pay works anywhere contactless payment is available. Even in countries where it hasn't officially launched. I use it in Mexico regularly, for example.
[doublepost=1542431789][/doublepost]
I saw an Exxon station in Laredo, TX last year (2017).
[doublepost=1542432024][/doublepost]
Problem is that, in addition to nfc, the 5S lacks the Secure Enclave chip where the payment info gets stored. That's why it cannot use any of the Apple Pay features. If you can't get the used iPhone 6, look for a used original or series 1 Apple Watch. It may be cheaper than buying a phone.
[doublepost=1542432300][/doublepost]

Yeah it's an irony that, with Apple Pay not officially available in the country, still more restaurants and gas stations in Mexico are able to accept Apple Pay than in the US, where Apple Pay launched four years ago.
[doublepost=1542432867][/doublepost]

It doesn't. Payment information is stored on the watch itself and all the watch does is transmit that info directly to the store's terminal and then it's the store terminal that will connect to the internet to request authorization for the payment.
[doublepost=1542433089][/doublepost]
It is required, but not on your watch. That confirmation is done by the store's terminal after you tapped your watch, not by your watch (or phone). All your watch does is send the payment information to the terminal.

great synopsis