Debit is processed differently than credit.
Most likely the cashier has to activate or accept. This happens to conventional credit/debit payments too, you just don't notice the cashier doing it.
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Apple Pay With iPhone 6 Demoed in McDonald's Purchase
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Debit is processed differently than credit.
Supposedly the guy posted a second video answering your question. I didn't watch either. I'm telling you from my experience using it today:
The phone doesn't have to be on, or unlocked, and passbook doesn't need to be open.
Just pull the phone out of your pocket (screen off), put it close to the NFC terminal. the screen turns on automatically, showing your Apple Pay registered cards. If the default one is the one you want to use, then just TouchID, and the payment is complete.
If you want to use another card other than the default, then just select it (like you select any other Passbook card) and TouchID.
In some cases, the cashier will need to press a button to initiate acceptance of the Apple Payment. just like they would if you are trying to pay by card. it all depends on the POS system the store uses. But it should not be more or less presses by the cashier than paying by a card.
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
NFC payments via bankcards may work through a wallet/purse as long as there isn't a faraday cage installed in the carrying device.
I can almost guarantee that taking out my wallet and placing it on a panel for ~1second is quicker than doing the exact same thing with a phone, placing my finger on an optical reading device, having it scan it, forward the information to a server, have it identify me and then proceed to do the normal transaction detail stuff, where it balances my available funds with the amount I'm trying to buy. Although it's not faster by enough. And I'm limited to anonymous transactions of an amount less than AU$100, and have the gaping security hole of unprotected personal bank information being able to be wirelessly taken from me with negligible security. I was a bit surprised when the banks unleashed PayPass here (NFC bank card technology by the CBA, also knows as PayWave by ANZ). Apple Pay is the only way to do this in our current broken paradigm because people are *******s.
Take a look at the latest ATM hacking devices, they are NFC receivers that fit into the physical card scanners of the machines. Very far from an ideal solution, making things easier for crooks may enable more crooks.
You're correct. That's why this video is stupid and inaccurate. That and the fact that half of his video is wated on his stupid order. He should be banned from YouTube for wasting 30 seconds of my life.
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Actually you cannot change cards in Passbook. You change the default card in the settings->passbook menu.
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 was talking about NFC, not inserting or signature etc. Swiping your card takes one second, as opposed to three seconds to use your phone.
And it doesn't need charging.
If your 30 seconds are worth so much why not use them addressing the things that appear most obvious to you, not experiencing things in lust that you already know more about than nearly everyone. The waste is only on your end and perfection will never be found on YouTube. Just as a general tip, maybe every second you spend on that site you should treat as waste, it will save some surprise when you ultimately figure that out.
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
Awesome! I have been wondering if someone could add their credit card from a US bank to Passbook and then use it outside the US. Your posting is the first confirmation I have seen.
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We have had NFC cards and terminals in the US for at least a couple of years.
But, neither is in widespread use.
I just had to try it out and see if it works....but YES, US credit card (Capital One), as long as accepted by Apple Pay, can definitely be used at any overseas place that has an NFC terminal. Which is great when traveling!
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I was talking about NFC, not inserting or signature etc. Swiping your card takes one second, as opposed to three seconds to use your phone.
And it doesn't need charging.
You are absolutely right...The only problem that I have been having is that most locales limit you to $40NZD, and the store I used it at earlier (for some odd reason), ALWAYS asks me to insert card and do it the old fashioned way (entering a pin) even when using NFC! And it is so convenient when on a bike without a wallet!
I'm pretty sure you can switch card to be used when presenting for payment. Activate the phone by putting it near the NFC reader. The default card will display. Prior to TouchID'ing, tap the stack of cards at the bottom, select another card, then TouchID. I will try confirm that tomorrow, but I thought I saw that demo'd somewhere...
Update: Here's the video: https://www.youtube.com/watch?v=Iod3zO0LAUU
Second payment clearly shows the ability to select a different card than default at payment time.
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I'm going to guess it doesn't work.
Exactly! Which is why I can't see Apple pay ever replacing cash and cards for anyone. It's inevitable that at some point you'll be stranded somewhere and need to buy something and your iPhone will be out of battery.
Everywhere accepts cash, the massive majority accept cards, the tiny minority will accept your iPhone, but nowhere will accept a dead iPhone for payment.
So to all these people saying that they love Apple pay because they don't need to carry cash or cards... good luck!
The speed advantage of using apple pay at a "fast" food joint is negated by the person putting your order together. They are a bottleneck. I can see the advantage of using this over cash because with this the clerk can't short change you.
Does anyone know how much of a power drain this is on the phone? Will it work if an iphone is below 10 percent?
Does anyone know how much of a power drain this is on the phone? Will it work if an iphone is below 10 percent?
I've never seen so much fuss over such a small thing we have been doing for a couple of years with our Bank Cards tap and go.
If your battery goes flat or you cell site goes down then you are stuffed.
If your battery goes flat or you cell site goes down then you are stuffed.
It reminds me of when cell phones first came out. I've never seen so much fuss over something pay phones and landlines have been doing for decades.
These people and their desire for convenience are sickening!
why couldn't of he chose what he wanted prior to making the video, instead wasting our time him looking at what he wanted to eat ith the rems and errs and do you want ketchup. Just say big mac fries ketchup coffee thank you.. its like people who go to the cash till and the teller scans the food for 3 minutes , then gives final price, then the person decides to get the credit card out..jeez you been standing there for 5 minutes..get the payment out ready !!!!!!
Give me a break, taking out your wallet and a card is just as fast as taking out your phone. Unless you have a Costanza wallet, you shouldn't have to spend any time "finding the card". Apple Pay will save a few seconds (although this video example is atrocious), but the main "benefit" is Apple's slice of the payments market. Kudos to them, I'm a shareholder, but don't drink the Kool-Aid that this is an amazing innovation.
it will come to a point where cards will not be used..just like cheques are not accepted anymore..And cash will also slowly fizzle out, this will prevent money laundering and governments will have total control over your account.
what I want to do is order the food with my phone prior to going to the till at mcD..as I walk in scan my order and pay at the same time and go collect..instead of waiting there...spending ages thinking what I want then paying...Can anyone make and app for that !
it will come to a point where cards will not be used..just like cheques are not accepted anymore..And cash will also slowly fizzle out, this will prevent money laundering and governments will have total control over your account.
what I want to do is order the food with my phone prior to going to the till at mcD..as I walk in scan my order and pay at the same time and go collect..instead of waiting there...spending ages thinking what I want then paying...Can anyone make and app for that !
Cash will never fizzle out. It's existed for centuries and is the only physical form of money (other than, perhaps, precious metals).
Cards (or some sort of battery-free payment system) will always exist. Cheques could easily be forged and there was no guarantee that the funds were there to make the payment, hence why they have fallen by the wayside.
With cards, the payment is made immediately. No funds, no payment.
Apple Pay is simply another way of paying, not the future of paying.
cause a chip implanted at birth is
Apple Pay is a cool thing. One more thing integrated into one device you pretty much always have with you. Who carries a wallet anymore. Thats so old fashioned.
It's the security that's better than with a credit card. I carry my phone in my hand when shopping. I have cards stacked three deep in each wallet pocket so to me it's a hassle to find the right one. Why argue? YMMV but for me there's a benefit. It seems strange to me that people are vehemently arguing against using it. Seems like trolls who are trying to discourage people from using Apple Pay. It's faster for me.
Next time I'm paying for something I'll give you a call so that you can come over with a stop watch or teach me how I don't need to find my card.
Get wallet out of bag. Find discount card, cashier scans, I put back in wallet. Find the right credit card for payment, I swipe, sign thing I swiped it in, put back in wallet. Some cashier's ask to see it. I retrieve it from wallet, they flip over and check signature. Cashier gives me my card back and I replace in wallet. I make sure that I'm distracted by thinking about getting card back into wallet when speaking to anyone so I don't forget my card at store.
Plus, as the number for each transaction is unique, it's almost like cutting your card up after each transaction and using a new one with new numbers when you use Apple Pay.
The innovation is partially their ability to get so many bank and credit cards (AmEx, MasterCard, Visa) on board and improving the technology of the existing attempts at using NFC for payments in the US. Other countries like Japan have already been using NFC for payment for years. Time will tell if this catches on in other countries now.. I think it will. Have to give it time for more and more people to be aware of it and see whether it saves them hassle and improves their security.
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I've heard it's in widespread use in Japan.
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I've heard it's in widespread use in Japan.
Acquiring yes, but selling, no. They sell services which internally use that data to provide the best results. If they handed over that data to their customers they would forfeit their most valuable asset.
How long is this Google FUD going to continue?
