Yeah, I changed bank on day 1 when ANZ offered it. Bye NAB.
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I feel for you America. Here in the future even the smallest market stall has tap and pay. I literally don’t carry a wallet anymore.
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Apple Pay Used on 16% of Active iPhones Worldwide, Widespread Adoption Still Expected in 3-5 Years
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For me the fastest way is using my Apple Watch S3. Double click the side button, hold watch close to reader and done. Literally takes about 2-3 seconds. Also, it is great because I do not have to have my iPhone on me because I have the AW S3+LTE, and it works just as fast on LTE vs. being connected to the iPhone and using its connection.
Actually you don't even need a network connection to use apple pay on the watch. You can be without any kind of reception or iphone and Apple Pay still works on the watch alone, even in Series 1 and 2
No need. I’ll bring my driver’s license with me if I think I need ID (or I’m driving of course). What else would I need a wallet for?
I like the not carrying a wallet and wish my state had electronic drivers licenses. However, the phone is much more fragile than a wallet and that is my concern. I've seen people drop their phone and out goes the display. At that point in time, with your life on a phone, it can be more than inconvenient.
Yes you do. All of my debit cards with a chip require a pin most of the time. Sometimes even Apple Pay will ask me for pin on the terminal.
Actually, I can almost guarantee it's not required even if something does ask you. (There are exceptions, of course.) However, it might not be obvious how to skip entering it simply because stores want to pay as little as possible for their card processing.
I beg to differ. While there is a small number of terminals in my area that will accept the payment without entering anything on the pin screen, 90% of the terminals that I've paid at that required any customer interaction required the pin (and yes, I've tried leaving it blank). The pin is still very much prevalent, at least for my Chase card.
Sounds like your card is declining and not that the store isn't letting you leave the PIN blank, unless I'm misunderstanding your post. If that's the case, that's definitely something you should bring up with Chase. (If the store truly made PIN required, you wouldn't be allowed to leave it blank at all regardless of the card.)
If that were truly the case, US debit cards would be unusable outside of the major retailers and gas stations. Remember, a lot of smaller businesses and restaurants don't have anything customer facing, even if they support EMV. (Or if they do, it's something like Square's reader that doesn't have a PIN pad at all.)
That's not to say that they're not run differently on the back end if a PIN isn't entered, however.
My card isn't being declined. Some of the card terminals are probably for staff use but the store leaves it to the customer to operate for some reason. Those terminals will still show a pin screen but it'll let you charge the card without the pin just by pressing enter. In most other cases I need to enter the pin to charge the card (and no, the card isn't being declined then either).
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Back in the day when was only the passcode I would still understand the convenience factor, but given how easy and fast it is to unlock with FaceID/TouchID nowadays, there's no reason to not lock your phone unless you're sharing the device with multiple other people. You're almost asking for your personal information to be stolen.
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I don't think you understand how deep the penetration of contactless payments are in many countries. In Japan for example, you can basically live off the Suica train pass for almost all purchases if you so wanted. Even in the US I almost never pull out my wallet anymore.
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Let's be honest... neither payment method is considered "difficult"
But of the two methods... there are certainly fewer steps with Apple Pay. I can grab my iPhone out of my pocket and use one hand to quickly make the payment.
If you want to pay with a card... now it takes two hands. You grab your wallet out of your pocket and hold it in one hand... while using the other hand to insert or swipe the card into the reader. Then some readers ask questions (is this a debit card? or a credit card?)... then you have to enter a PIN number if you're using debit. There are definitely a lot more button-presses if you use a card. And all this is happening while you're still holding your wallet in the other hand.
So I don't see how Apple Pay has "too many steps" when using a card requires two hands, taking a quiz, and a lot of button-pushing on the terminal.
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The bolded text basically says what I've been saying: PIN isn't necessary for debit card purchases in the US.
As for the other stores, I suspect it can be bypassed by doing something other than pushing Enter (such as pushing one of the other buttons on the terminal or through the cashier doing something on their end). Which, of course, isn't obvious since the store pays less if you enter it--not to mention that it's different at every store. No wonder credit cards are used more often here.
Most people just don’t care about Apple Pay. They use their phone for texting, phone calls and social networking.
After that. They just don’t care to know. It does what they want.
I use it when I can. It works fast and simple.
After that. They just don’t care to know. It does what they want.
I use it when I can. It works fast and simple.
I love all the cryptocurrency freaks who think they can peg which currency we will be using. Meanwhile, Apple holds the key to all digital currency exchanges. There isn’t a company on the planet with more authentication devices in the hands of consumers. People aren’t going to provide dozens of merchants with a fingerprint. All digital exchanges need authentication, and passwords are going to be a thing of the past.