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Apple Pay Will Soon Launch in 16 More Countries, Including Bulgaria and Croatia
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Many of those countries also require PIN, or at the very least have strong regulations to force customer facing equipment. Since Visa/MC still allow tip to be changed later and PIN to actually be disabled on US terminals (or simply not have the hardware for it at all), there's a lot less motivation to do anything different--especially if it'll cost even more money and there's a decent chance that it'll piss customers off.
Heck, some counter service places aren't bothering with customer facing equipment now that there are hardware options available that allow exactly that (for instance, the newer Clover Stations and Toast).
Slow and steady wins the race. It's crazy how long this is taking to roll out.
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What's odd is that most places in New Zealand, including restaurants, support it. I suppose their payment processors just need to catch up.
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What's odd is that most places in New Zealand, including restaurants, support it. I suppose their payment processors just need to catch up.
ING has been the bank which innovates more than ever these past years, Gandalf now says they SHALL pass.
> But yeah, ING also was the bank with the most ridiculous bonus to their CEO ever.
think about it, apple pay rolled out in 2014. since 2016 apple has been pushing to increase share in india. r u saying 5 years not enuf to iron out contracts? Clearly they are not channelling their resources where they want to. And i never said apple wouldn't roll out. Intent vs implementation.
According to one source this won’t launch before June in Portugal.
Besides Crédito Agrícola, N26, Monese, major Portuguese bank Millennium bcp will also support Apple Pay according to the customer service representative I talked with.
I’m just fed up of waiting. I’ve been using NFC for years now...................
Besides Crédito Agrícola, N26, Monese, major Portuguese bank Millennium bcp will also support Apple Pay according to the customer service representative I talked with.
I’m just fed up of waiting. I’ve been using NFC for years now...................
Or stay and have a credit card from somewhere else. Apple Pay is Credit Card (in some countries seemingly also Debit Card) based. You don't necessarily need to get your credit card and your bank account from the same bank/issuer ...
H.
Mad Mac Maniac
macrumors 601
Some of your post I don’t fully understand (especially the Clover Stations and Toast, haha), but if the US-only custom of tipping is at odds with incorporation of NFC tap-to-pay terminals, I really hope the practice of tipping goes away and waiters actually get a living wage. However, I know of at least one restaurant which has a self-service checkout at each table, which also allows you to tip (but might not be tap-to-pay).
Clover and Toast are POS companies:
https://www.clover.com/
https://pos.toasttab.com/
In particular, these products allow cashier-side insertion:
https://www.clover.com/shop/product/clover-station/with-display-printer
https://pos.toasttab.com/hardware/pos-terminal
Also, tipping doesn't preclude pay at the table (Canada has both, after all). But if you're effectively never going to be hit with the additional lost/stolen liability shift that MC/Discover/AmEx have due to chip cards not preferring PIN, why spend the extra money on something that's wireless? Or even a PIN pad, for that matter?
That said, at least Clover has contactless built into the receipt printer if a restaurant wants to go to a pay at the front model.
apple pay launch in the netherlands may be imminent, including full support for maestro online and in apps: https://twitter.com/DaveFlash/status/1129070030073880576
i've rectiefied my first tweet/ the launch may be imminent though could be a bit further away according to some: https://twitter.com/DaveFlash/status/1129078298611527680
i've rectiefied my first tweet/ the launch may be imminent though could be a bit further away according to some: https://twitter.com/DaveFlash/status/1129078298611527680
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Everywhere but Puerto Rico and Mexico. Puerto Rico belongs to the US, though, I'm surprised it didn't get Apple Pay when the US did.
In any case, the real news when apple starts rolling out Apple Pay in new countries anywhere outside Europe, especially if it's in Africa or Spanish speaking Latin America where not a single country supports Apple Pay yet. They have more than 20 countries just in Europe, no other region in the world has that many countries where Apple Pay is supported.
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It's 2% not 3% for Apple Pay purchases made using the apple card. 3% you will get only when you buy apple products from apple.
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Apple Pay does support debit cards, I have one from the US that I added. It's up to the banks, I think, to decide which cards they will allow for use on Apple Pay. Some will limit Apple Pay to credit cards only while others will allow both credit and debit. In the US most banks allow both credit and debit cards.
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Sit down restaurants not supporting NFC is a US-exclusive problem because restaurant owners there refuse to get wireless terminals and bring payment to the table. We don't have that problem in the rest of the world because all restaurants use wireless terminals that are brought over to the patrons tables (they are required not to take cards anymore for security reasons) and the terminals usually have built in NFC (see image attached for an example of such a terminal) so it's no problem tapping to pay. I do it all the time here in Mexico (just did it tonight, about an hour before writing this comment). Also, tipping doesn't preclude payment at the table as the wireless terminals have the option to add the tip before processing the card and the waiter could simply let the customers do that part and then insert their card or tap their device to complete the payment. See the file attached for an example of a payment stub printed by the terminal shown on the image also attached, which already includes check amount "consumo", tip "propina" and the total. The payment was made using Apple Pay on an Apple Watch and the four digits displayed on the stub are the device account number for that watch.Personally I think there'll be some categories of merchants that will basically never support it (like sit-down restaurants), but yeah, it's now possible to use it for most stuff in my experience too.
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The main justification for the portable readers at sit down restaurants in the rest of the world is actually security, not so much the use of chip and pin to authorize a payment, and the same should apply in the US. Here in Mexico, for example, the use of portable readers at restaurants has been the norm for years despite that until recently we were still doing chip and signature like the US (banks in Mexico just recently started migrating all credit cards to chip and pin) and were implemented for security reasons.
Even if the US never does chip and pin at all, restaurant owners there need to stop being so naive, stupid and stubborn and understand that taking the cards away from the customers for several minutes always comes with a certain risk of someone copying the card details as easily as by simply writing them down with pen and paper. It may be a rare occurrence, but they still shouldn't leave such a security loophole open. I hope banks eventually require restaurants in the US not to take the cards out of the customers' sight anymore.
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Most likely the US will never do chip and pin. I hope, though, that in the US banks someday require restaurants to stop taking away the customers' cards for security. That's why portable readers were adopted at restaurants in the rest of the world years ago regardless of how payments were authorized in each country (i.e., outside the US portable readers were implemented at restaurants even in countries that were using chip and signature to authorize payment such as Mexico).
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Don't even try to use it. I see you're in the UK (in Birmingham), and express transit mode only works in a couple of cities in the US, China and Japan for now. It requires specific support from transit providers. For the time being, you're stuck with using Apple Pay the regular way, with authentication, at your local subway.
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Glad I had a US card. I skipped the wait and have been using Apple Pay in Mexico for nearly three years thanks to that.
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And before Mexico.
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Especially considering that about 30 out of those more than 40 countries by the end of the year will be in a single region: Europe. That kind of expansion is hardly global.
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Nor in Mexico. I'm glad, however, that 'no Apple Pay' basically only means not with the country's locally issued cards. Fortunately, I have a US card and have been using Apple Pay in Mexico for nearly three years. And I believe contactless payment is even more widespread in Colombia than it is in Mexico, so anyone with a foreign card could use Apple Pay there too with no problem.
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He means that, like Puerto Rico, Mexico still lacks Apple Pay support form local banks.
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It works in a couple of cities in China and Japan too.
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Apple Watch ECG already works in Spain. and the rest of the EU since last march 25th.
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No, payment processors are up to date. The problem at US restaurants is that they refuse to let go of the decades old system of taking away the patrons' cards to process the payment. And as long as they stick to that old habit, they will preclude any use of NFC contactless payment.
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That's going to take really long. They have to find a bank in each country that will partner up with them to offer the banking services related to Apple Pay cash, like the Green Dot Bank did in the US.
There are a bunch of countries where cash is still the norm so this isn't exactly true. If you mean wireless terminals or paying at the front, that might be more likely to be the case (though I definitely haven't been to every country in the world to know for sure).
I've actually heard that there are other chip and signature countries that take cards away, too. Again, however, I don't know for sure if this is true.
I'd definitely like pay at the table to become more common, but I expect it'll be a while if it ever does--especially since I don't think the US will ever bother with PIN. (And why would we when Visa's pushing contactless heavily?)
BTW contactless is still possible without pay at the table/front, just that it'd likely only be with contactless cards and not mobile devices. The server would just tap for customers instead of the customers doing it themselves.
I meant restaurants accepting cards and not being able to fully support NFC contactless payment except for contactless cards is a problem exclusive to the US. I don't know of any other country where they accept cards and still have to take the cards away, back to a corner of the restaurant, for processing (I'd love to see some examples if you know of any others, though). It's an irony that we can already use Apple Pay at almost every single restaurant here in Mexico, where there is officially no Apple Pay support nor any sign of it ever coming, but at extremely few if any in the US, where Apple Pay support has existed officially for nearly five years (and seeing as it is, even the six year mark will certainly be broken before Mexico ever gets official Apple Pay support).
And sure, there are cash only restaurants in many countries including my own, but as long as they are outside the US they will easily support contactless when they decide to start accepting cards which is just a matter of time these days.
Also, like I said before, I don't think the US tipping culture should be an obstacle to eliminate the practice of taking away the cards either. The same procedure for tipping that's now followed away from the table could instead be followed at the table. American restaurant owners really have no excuse not to eliminate the practice of taking away the cards. They're just being stubborn.
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I eat out all the time and always pay with a credit card. I can only think of one instance in the US where I could pay with Apple Pay at the table. There's a local Vietnamese restaurant I like that has a tablet-like device they carry around that lets you do it.
I'd love to see some examples, but I doubt it. Mexico, for example, did chip and signature for credit cards until late 2018, yet the wireless readers at restaurants have been in use for nearly a decade for security reasons. And it's been pretty much the same in the rest of Latin America.
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Exactly, that's the issue in the US. In Mexico, even without Apple Pay officially supported, I've been paying with Apple Pay at the table at almost every restaurant since 2016.
I got one for you. Australia which seemed to REGRESS. They USED to ALWAYS bring the card reader to the table. Then when everyone had tap payments some restaurants regressed and just took the card to the back to tap it for them. However they will still bring the card terminal to you if you ask, or if you say Apple Pay.
At least in Australia they still have the wireless terminal. In the US, the problem is that restaurants use WIRED card readers. Even the restaurants that have already upgraded from the old magnetic stripe readers to EMV chose to buy wired card readers when they upgraded (basically the same kind used at the stores) instead of wireless card readers as they should have. That's why they still must take away the cards.
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Probably after Mexico, and both of our countries will only get Apple Pay when Apple runs out of European countries where they can launch it. As long as there is a single tiny country in Europe without Apple Pay, we can just forget about it being launched anywhere in Latin America other than Brazil or in Africa. The good news is that not having Apple Pay in our countries only means we can't add to it cards issued in our countries. Other than that, Apple Pay does work in Mexico, Costa Rica or any other unsupported country once set up with a card issued in a supported country. I've been using Apple Pay in Mexico like that for three years.
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For what it's worth, I spent some time googling some countries that I know are chip and signature to see how things work. South Korea, for instance, tends to use a pay at the front model; however, contactless payment with NFC seems to be uncommon.
Unfortunately, I haven't been able to find anything about Singapore other than this that claims the employee runs the card for you. This could very well mean that pay at the table is still done, though. (Maybe someone who's been there can clarify?)
Sounds about right. I think pay at the table is growing in the US, however, albeit very slowly (and quite possibly will never be the majority of restaurants). A hybrid "take card away" system with a POS station at the front for takeout/contactless is probably the most likely result eventually, assuming mobile wallets become popular enough.
That said, any restaurant using Toast probably won't support contactless any time soon simply because they never integrated contactless into the hardware they're providing. Your best bet is anywhere using Clover or one of the Ziosk units, or possibly an airport using SSP America for their concessions if you're going to fly through one at some point.
Eh, they could go pay at the front if they wanted. I suspect a lot of people wouldn't like that either, hence why it's not common.
However, if PIN were ever made mandatory, I could see a significant number of those adopting that model fairly quickly as it'd be less trouble/expense than buying terminals all over again. And if enough places do it, customer objections would probably diminish quickly as it'd be unavoidable (unless one wants to stop eating out).