Apple Pay: Who's gonna use it? Lets get it going!

[Demonface]

I might end up using it . At least I wouldn't have to carry my wallet everywhere I go .

 

[abz1981]

I will use it where it's available to use and accepted. In the mean time I will continue to use the nfc on my contactless debit or credit card as I normally do.

 

[joshkhaos1]

I'm excited about using Apple Pay. Its definitley going to be limited at the start, but I think more people will get on board as it goes on. It will be good for online purchasing if nothing else.

 

[kdarling]

I know I'm excited to use this feature. I have seen a few of my friends get stung by credit card theft. So I can not wait to use it.

Interesting. How did they get stung? In the past 15 years, my CC numbers have been stolen about four times, and used to buy hundreds of dollar's worth of goods.

Each time, I was of course not liable, so the only inconvenience to me was having to wait for a card replacement... usually overnighted... plus sometimes having to update my stored cards on the internet.

But Home Depot is a crock.

Must be regional. Some of my family used their phones to pay at Home Depot all the time when they lived in Florida up until last year.

I too was stung by the Target breach and I thankfully had to again change my check card since using at Home Depot during the timeframe of their issues. I'll be using this every chance I have (whenever my 6 Plus comes!).

Yeah, now I wished I had used Google Wallet to pay at Home Depot instead of my regular credit card. However, again, it's just an inconvenience having to update some online numbers.

The funny thing is, retailers could've been using tokens all this time as well on their own. If they had stored those instead of the real numbers, the hack would've been a non-event.

It USES NFC, but it's not NFC payments. And IT IS something completely new. And magical.

Apple Pay is an NFC payment using the latest Mastercard/Visa/Amex tokenization setup.

The actual transaction is a standard NFC payment, however there are parts of Apple's implementation that are new including card scanning, tokenization, and their privacy safeguards.

Google Wallet has had card scanning for some time. And tokenization.

 

[fridayxiii]

I'm looking forward to using Apple Pay whenever and wherever I can. My bank is onboard, as well as the major credit card issuer I use. The only limits to my personal use of the service/feature will be the stores that support it.

 

[jettrue]

I'm ready! I'll use it wherever available!

 

[Killeroy]

Interesting. How did they get stung? In the past 15 years, my CC numbers have been stolen about four times, and used to buy hundreds of dollar's worth of goods.

Each time, I was of course not liable, so the only inconvenience to me was having to wait for a card replacement... usually overnighted... plus sometimes having to update my stored cards on the internet.



I have some co-workers who got stung at Uno's. Two who got stung in the Home Depot mess. And famliy member who got stung with target. I just don't need the hassle of calling the bank cause someone else thinks they have the right to steal others info.

 

[SopranoMama]

So, am I correct in thinking that you can only use ApplePay if you use one of the banks listed on the website? I only have debit cards (not credit) and I don't use the banks listed. So I'm going to be out in the cold? (I was super excited about apple pay!)

 

[BaldiMac]

Sure, but every implementation is different. The payment from the machine side is just a regular NFC payment.

That's what I said.

I assume that is a joke. No card readers that support Paypass have to be updated because it is a standard NFC payment.

That's my understanding as well.

How Apple implements it on the software side on the phone is really not that important.

I disagree. How Apple implements on the device side is extremely important to me.

 

[famoussasjohn]

Want to use it, will have to see which stores will support it. Unfortunately Best Buy is being ignorant about it and are declining it and I do most of my shopping there for games and movies.

 

[dianestory2]

I don't think so. I like using cash. It never fails, and it helps me budget how much I can spend in a month.

 

[bozzykid]

I disagree. How Apple implements on the device side is extremely important to me.

Despite what Apple says, technically it is not much different than Softcard (ISIS). It really provides no benefit over Softcard in terms of implementation. I'm glad Apple is finally doing NFC payments but to say it is "magical" is comical.

 

[noteple]

Here in the tristate area it's not available at fast food, movies, gas stations, drug stores, malls, etc.
When it is I'll use it.

 

[bozzykid]

Here in the tristate area it's not available at fast food, movies, gas stations, drug stores, malls, etc.
When it is I'll use it.

You don't have a Walgreens or McDonalds?

 

[utahman130]

Hopefully it will launch in early October!!

----------

In SLC here's where we have NFC, that I visit

McDonald's
Subway
Fanzz
Jazz games
Fresh Market

 

[SnowLeopard2008]

I'm gonna use it. I was one of the first to use the Starbucks app to pay at 2 of my local Starbucks stores.

 

[bkar89]

I will when it is released in my country. Almost every shop i visit already have NFC ready terminals. But there is no backend to support it. Neither NFC enabled phones or separate cards. So hopefully Pay will move things forward

 

[ucfgrad93]

I might use it on occasion. But hopefully, it will catch on.

 

[mnsportsgeek]

I'll use it whenever I can. Wells Fargo and US Bank have already jumped on board, and that's who I use so I'm already set to go.

The added security will be a bonus, now if we can just get electronic drivers licenses my wallet will become obsolete.

 

[pirarre]

After using it on my Android devices, i am glad that it is now coming to IOS. I most definitely will be using on my iP6. it's accepted at a lot places..McDonalds, Numerous Gas Stations, Other Restaurants, Bestbuy and a lot of other stores as well.

 

[Bigserver1]

I will definitely be using it. I'm hopeful that it gets widely adopted, because I'd love to ditch my wallet.

 

[Skylitfly]

Will use it as much as I can. Only thing limiting me is that I believe most places in my area won't have that feature for at least year or two.

 

[ElectronGuru]

It's going to be a huge success just like 3D Tv's were

I'm as much a pessimist as the next guy, but 3D was a a gimmick, a solution in search of a problem. The problem with cash is that people (lets call them thieves) knew you were carrying and just needed to find it. The problem with CC is that people know there are numbers and just need to find them.

Done correctly, NF payments have nothing to take. You establish an identify and the identity only gets verified and shown. Apples demo focused on purchase speed but as shown from comments above, security alone makes it a worthy successor. The question is, can apple do what other companies have been unable to in getting it implemented. Their track record suggests: yes.

 

[ltb7]

I'll not be using it, since most of the places where I buy stuff won't accept it.

like where? it sounds like you have some top secret cool stores! local mom + pop's?

 

[Cougarcat]

So, am I correct in thinking that you can only use ApplePay if you use one of the banks listed on the website? I only have debit cards (not credit) and I don't use the banks listed. So I'm going to be out in the cold? (I was super excited about apple pay!)

Yes. I'm in the same boat, I have a credit union which will likely never support this.