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Apple Pay With iPhone 6 Demoed in McDonald's Purchase

kmichalec said:
What vending machines support Apple Pay? Can any store/machine/etc that supports payments via NFC use Apple Pay? I thought the retailer also has to do something in their internal system to accept the Apple Pay transaction? Am I misunderstanding?
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The merchant needs to have a terminal that accepts NFC payments which is not standard for time being, but all terminals need to be changed because of the requirement to change the system to EMV card by the end of 2015 and so all businesses have to change their POS terminals anyway and they can opt to get the ones with NFC, not a requirement per se, but it would be stupid if they don't. If they don't then it is related to high cost of changing the terminals and the even higher cost to change their backend payment system.
It is important to know the NFC and the terminals are not in any way specific to APPLE and can be used for any other system or NFC enabled cards as well.
 
My transaction at a local grocery chain (Food Town) that went all-in on ApplePay was flawless.

Slightly slower than if I had my credit card out at the time of payment, but faster than Debit with the pin and cash back questions.

But also much more secure. And with the "cool" factor of living in the future.

Google Wallet got there first, but Apple made it something that will gain mass adoption.
 
bbeagle said:
The phone KNOWS you are near a terminal, even when locked, and will allow you to pay without doing anything but touching your finger on the Touch ID.

This is how the iPhone works in many instances - my Walgreens card comes up when I'm in a walgreens without me doing anything.
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So it essentially works as it does now with my 5s at Starbucks. Passport pops up when I am at the register. The difference is that I wave my phone in front of the bar code scanner.

What makes Apple Pay more secure is the need for the fingerprint to confirm purchase. Theoretically, anyone with my locked 5s could pay for their food if I had enough money loaded on my card. So Apple Pay is no faster but more secure.
 
Ordering food with an app and paying with Apple Pay at the same time would really be cool for not having to stand in line behind people who take forever.

When your food is ready your order number is called, just pick up and go!

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Kwill said:
So it essentially works as it does now with my 5s at Starbucks. Passport pops up when I am at the register. The difference is that I wave my phone in front of the bar code scanner.
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I experienced, way more than a few times, the scanner not reading and requiring multiple attempts. But yeah, kind of the same, in a way.
 
Dunno - I can't see that making any impact OUS. Take France for example: the entire electronic payment infrastructure has already been in place and fine-tuned for years. Why would any merchant invest into new equipment because of a phone OS with barely 10% market share?

As I said: Not sure this is going to make anyone buy an iPhone who wouldn't have gotten one in the first place anyway. But it probably will give some US tourists the impression that they're technically superior next time they're overseas and cannot use ApplePay ;-)
 
Just used apple pay at whole food. Bill came out to 75.00 and I used apple pay with no issues but I still had to sign at the terminal. I thought with apple pay you no longer needed to sign?
 
Kwill said:
What makes Apple Pay more secure is the need for the fingerprint to confirm purchase. Theoretically, anyone with my locked 5s could pay for their food if I had enough money loaded on my card. So Apple Pay is no faster but more secure.
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According to various Apple documents, using a PIN should also work. At least, on devices without TouchID.

Anyone care to turn off TouchID and see if payment will ask for a PIN?

Thanks!
 
Awesome. Looks really fast, convenient and much more secure than cash or cc, provided the cashier knows what he/she is doing. Can't wait to try it.
 
Hey guys! I have some information to share, it's just itching my skin not to share it!

I live in Palo Alto so I know many Apple employees. I was in a party this weekend and overheard some interesting stuff

1. Next Apple TV is a big project. Many people are working on it. It will work with Apple Watch. Apple Watch can be a remote for your Apple TV. All you do is move your hand like you are pointing to TV and turning your hand like you are using a volume knob in car will interact with TV. There are some other gestures too. like swipe your hand to left or right to change channels
2. Next Macbook Air is extremely so thin. The motherboard is almost smae size of iPhone. It's so thin that the only problem making it thinner is its hinge.
3. Keyboard on Macs are changing starting with this new Macbook. The fn keys are gone and all controls came to number keys. It will be the same layout for iPad keyboard they are working on.

I created this account just for this post.
 
alirz said:
This? do you need to unlock the phone and open an app (passbook) first, before being able to make the payment?
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No. You do not. The NFC in the phone detects the reader and the lock screen switches to Passbook mode. You swipe to select which card (just as you would pick through physical cards), and you TouchID to use.

Australia, like Europe, has PayPass/Tap and Go all over the place. People are accustomed to this mode of payment. The wag who claimed "now I can pay for a $1 item with a $650 phone" - you would have that phone anyway. That's the point. One item, rather than having to think about cash, cards, wallet, plane tickets, movie tickets, and so on.
 
Just used it at my local Meijer (for those who haven't experienced it, think marginally higher class regional Walmart). Went flawlessly.
 
I tried ApplePay at Walgreens today. It worked I guess but their terminal required that I enter my PIN number. Is that how it is supposed to work with ApplePay and a debit card? It also took two tries though I got the check mark both times. Doesn't appear that the confirmation you get means that the transaction went through especially since I got it even though the terminal then required my PIN.

Any similar experiences?
 
jholzner said:
I tried ApplePay at Walgreens today. It worked I guess but their terminal required that I enter my PIN number. Is that how it is supposed to work with ApplePay and a debit card? It also took two tries though I got the check mark both times. Doesn't appear that the confirmation you get means that the transaction went through especially since I got it even though the terminal then required my PIN.

Any similar experiences?
Click to expand...

Same experience here. Would've been quicker to use my card. From reading other posts, it sounds like we could've hit credit and bypassed the pin process, but then you're also bypassing the whole debit network and processing as a credit? Seems misleading and not as "easy" as apple touted.
 
output555 said:
Nope, we don't have tap-to-pay here. And yes, we still use cards with PINs. This is why Apple Pay is great. What you're calling a complete farce is far from it. The only reason the transaction wasn't instant was because the cashier messed up, not Apple Pay. The process looks fantastic and is much more efficient than using cards or cash. Also much safer.
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Then it all makes sense, and there's a good chance Apple will make some serious inroads into the payment system in the US. It's unlikely to catch on even a fraction as much over here, as it doesn't appear to offer a great deal of an advantage (other than the fingerprint security for larger transactions, which isn't of interest to the consumer as the bank takes that risk anyway).
 
kdarling said:
According to various Apple documents, using a PIN should also work. At least, on devices without TouchID.

Anyone care to turn off TouchID and see if payment will ask for a PIN?

Thanks!
Click to expand...

It's not that touchID is turned off. But it may fail a few times. Than you have to enter PIN. Or you could enter PIn without attempting touchID, by swiping to get to login screen. But Touch ID has to be enabled. You can just use the alternative authentication as you always can anyway.
 
jholzner said:
I tried ApplePay at Walgreens today. It worked I guess but their terminal required that I enter my PIN number. Is that how it is supposed to work with ApplePay and a debit card? It also took two tries though I got the check mark both times. Doesn't appear that the confirmation you get means that the transaction went through especially since I got it even though the terminal then required my PIN.

Any similar experiences?
Click to expand...

Sort of... to the right of the debit button was a credit button. I pressed credit then it asked if the amount was ok. That was it done.
 
It seems like their will be a quite a learning curve in order for this process to go smoothly.

Don't think the cashiers know exactly what to do in order to 'enable' NFC payments at the POS terminals.

For example in the video the cashier forgets to hit a button before the guy used Apple Pay, as a result it takes 2 tries.

I went to a McDonald's today and asked if they accepted apple pay, and his reply was, 'what is that'??

The first couple of months will be awkward for all those involved before mass adoption takes place
 
It's cool and yet seems no different to me than whipping out my credit card which I carry handy in a money clip with my license and a few other cards.

I'm still going to have to carry cards and cash for the next 5-10 years at least so ...wake me up when those things have been eradicated to the same degree as Polio and company.

I've been doing the wireless thing with the Blink tech in my credit card for years now. I still get the occasional cashier who is amazed that that works and you don't have to physically scan it.

i rarely have to sign for transactions any more either.
 
mikey12806 said:
Same experience here. Would've been quicker to use my card. From reading other posts, it sounds like we could've hit credit and bypassed the pin process, but then you're also bypassing the whole debit network and processing as a credit? Seems misleading and not as "easy" as apple touted.
Click to expand...

it would have been as easy as they said if you used a credit card. My first use of it today was that simple.

perhaps, if you did press the credit (vs debit) option first, then touched, it would have processed the debit card as a CC and then been as simple? I haven't added a debit card (my credit union isn't on board yet). But once it does, i will add it also. So, I'm curious about the PIN req't.

As for those places asking for signature also. I guess they can, but it really is redundant, and purposeless. and IMO the kind of thing that will make it less successful.
 
At Walgreens, I have a health savings account card that always thinks it is a debit card when in fact it should be used as a credit card. When I click on credit, then the card works fine, so for some reason Walgreens is recognizing your card as a debit card.

I tried Apple Pay today at Duane Reade (owned by Walgreens) and it worked flawlessly and very fast.
 
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