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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.

:D that was one of the stores I went to on the way home from work.
 
I don't carry around a lot of cash, which is why I carry around a credit card. It takes me less than 10 seconds to remove it from my pocket and press it against the sensor for immediate payment.

The best part? You don't need an iPhone to use it...

I have yet to meet a single cashier that can remember my full name from a cursory glance, never mind the 16 digit number. Even if Apple Pay was available in Canada, I'd still use my credit card -- just as secure, and a heck of a lot quicker.

Not sure that is all that much quicker. Not even sure it is much more secure. Your card is still 'visible' to be skimmed. Also no need to carry around the credit card in your wallet which is a big plus. Heck the day may come when you don't even need your wallet.
 
Not sure that is all that much quicker. Not even sure it is much more secure. Your card is still 'visible' to be skimmed. Also no need to carry around the credit card in your wallet which is a big plus. Heck the day may come when you don't even need your wallet.

Or your phone.

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If you go to Walgreen's or CVS, you still have to show them your store card to get the sale price.
 
If you go to Walgreen's, you still need your Walgreen's card to get the sale price.

Walgreens has been in Passbook since it launched. I don't even know where my plastic card is. No card needed. Scan the phone, then move to the NFC device and pay.
 
Also consider this...

If I steal your credit card... I believe I can just use it 'as is' using NFC.

If I steal your iPhone, I cannot use your credit card without your fingerprint.
 
Also consider this...

If I steal your credit card... I believe I can just use it 'as is' using NFC.

If I steal your iPhone, I cannot use your credit card without your fingerprint.

If the cashier actually verified Id or signature as they're supposed to, they can't simply use it as is.
 
If you go to Walgreen's, you still need your Walgreen's card to get the sale price.

You don't have an iPhone do you. So far you know nothing about it. Just saying. When I get to the check out my phone already has the rewards card on the notification screen. If you had a iPhone you would know this already.
 
I wonder if McDonalds is going to see a spike in sales today.

Would not be surprised, although it may be alot of $1-$3 items….got fries and a drink earlier just to try it out - which was slick.

Apple did their job on this (providing they don't blow the backend security somehow). Given a choice of retailers that are similar, I will choose the one that offers NFC….providing Apple doesn't flub it, this will drive sales of additional phones for several years… JMHO
 
Also consider this...

If I steal your credit card... I believe I can just use it 'as is' using NFC.

If I steal your iPhone, I cannot use your credit card without your fingerprint.

If you steal my credit card, I lose nothing. If you steal my iPhone, I lose my iPhone.
 
Yes. Kinda like pulling your wallet out. Taking out a credit card. Handing it to the cashier. He/She then swipes it and waits. You then punch in your PIN or grab the stylist and sign it. Then you put it back in your wallet.

Or. Open the app and touch the Touch ID and stand for a few seconds.
Why would you grab the stylist? What did they ever do to you?
;)
 
Not sure that is all that much quicker. Not even sure it is much more secure. Your card is still 'visible' to be skimmed. Also no need to carry around the credit card in your wallet which is a big plus. Heck the day may come when you don't even need your wallet.

Glad you see the benefits. But you're assertion that skimming would still work is incorrect. "Your card" is never visible in the process. Heck, "your card" isn't even stored on the iPhone. What would be skimmed is a useless number that cannot be used again for any purpose.

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If I steal your iPhone, you can track me down and go vigilante... that is after I go shopping with your credit card :D

And how would you go shopping with his credit card? Unless you stole his finger with the phone. And worst case, he could just lock the phone using Find my iPhone, no need to track you down himself and go vigilante.
 
The key thing everyone should remember about Apple Pay, is security. So many merchants have been hacked and customer debit and credit information had been stolen. I personally had at least four cards replaced due to the information being compromised at the merchant. Apple Pay = Security. Speed is not a big factor at all.
 
Credit cards in Canada have PayPass and chip&pin. Paypass for purchases under 100$ and chip&pin for bigger purchases.

I only have one credit card in my wallet, so I just tap the wallet on the machine. If they put the terminals a bit lower, I could just tap my ass on the thing! :)

And my CC never runs out of battery.
 
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Question:

When the register ready for payment does the phone automatically wake up and just ask for your approval fingerprint, or do you have to have passbook already up and waiting beforehand?

The guy in the video had his card already up on screen before making the purchase. I was under the impression the phone automatically poped up with your default card.
 
Why does it take 2 tries for it to work in the demo?

Is the cashier suppose to do something to 'activate' NFC/Apple Pay?

In the video, you hear her acknowledge she forgot to do something on her end (push a button?) and then instructs payer to proceed with payment. At which point it finally works
 
In America do you guys not have NFC for credit cards? We've had that in New Zealand for about a year and is definitely faster than using the phone.

Absolutely not true...I just used Apple Pay IN New Zealand (at Countdown grocery store) and with my keys and phone in hand, placed fingerprint and within 3 seconds receipt was printing out and done....no card to take out, no pin to enter, no card to insert, no signature....cashier was a bit confused though :)
 
I can finally buy a dollar mcflurry with my $649 phone.

It's a dream come true.

Being able to buy McFlurry's for $1 is a dream my body is glad I haven't realised. Things cost $4.25 here.

OT: this is a good advancement, we have NFC as standard in bank cards here in the broken country of Australia, credit and debit. They are limited to <$100 per transaction, but there is no security and it allows for the potential of wireless pickpocketing or using someone else's card with nothing to stop you. Apple Pay counters those issues, and is a more appropriate use of NFC technology.
What I don't like about Touch ID is that it installs one more step between the device and end user. Currently if I was to access information that, for whatever reason, just or not, could lead me into trouble, there is hardware allowing people to know that I was using the device within moments of that information being activated. As it stands with my iPhone 5 I can still plead ignorance and the trail ends at the serial of my phone/device. If I had a newer iPhone, there is more information to deduce what I personally am using the device for. I'm not a very seedy person, but that information at the very least is worth money that someone else is earning at my expense. And it doesn't really offer me anything. I'm happy typing a pin, and I'd be happy for a fingerprint reader to be installed on my house/car without a network connection, but it's too easy to exploit people nowadays, what else can you expect to happen?
 
MR is trying to imply that with google wallet or chip+pin cards, the store gets a copy of your name and cc# .... Which is false.

The larger retailers pay for that privilege and guess who sells them that data. Google is in the business of acquiring and selling personal data.
 
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