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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.

With Google Wallet you have to wake the phone, open the app and type the pin in. Maybe type the pin to open your phone if needed.
 
When I scan my Discover or US Bank Visa Apple Pay responds stating these cards are not supported. Nice :mad:

did you read apple's page on it? us bank has signed up but hasn't finalized their end yet. discover hasn't signed up.
 
Welcome Americans to 2011/2012

Sincerely,

Rest of the world

;)
 
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Have you ever seen a woman try to find her phone in her pocketbook? Yikes

Yes. They should make a humorous ad that shows what I really saw recently in line at the grocery: A middle-aged, normal woman fishing in her purse for her wallet and her separate coin purse. She didn't even start looking for them until her groceries were totaled and 90% bagged. After she found them the real wait began. She had to count out many ones and then coins from her change purse. She had a fifty and some twenties but wanted to get rid of her change. No problem there except there was a big line behind her. After counting out about $3 worth of change she found she was 15 cents short. Gee I wanted to give her a buck just to get things moving. Then she put everything back before moving her cart. She wasn't poor but she was oblivious of people waiting. Truth is, I kind of envy her ability to be so relaxed.

So Apple Pay would have helped but then she'd of had to have had the right phone.
 
we have the equipment and systems in place. We've had them for ages now. Look closer at till points and you will see the sign for contactless payment or NFC or what ever its called. We are actually in front of the US with installations.

It's probably more a matter of getting the banks on board. In the UK they have no incentive since you can just use the card. Here in the US a lot of us don't have chip cards yet, and this is a way to get people using the contactless systems before the new cards roll out over the next year or so.
 
Until phone batteries last indefinitely, apple pay is accepted literally everywhere and my driving licence can be shown and accepted by the authorities via an app, I personally will still have my wallet on me.

Hardly discreet either is it, reaching out with your illuminated phone. I've dropped my credit card on occasion when using it as NFC payment for my lunch. Dropping my phone doing the same would make lunch considerably more expensive!
Pretty sure all I said is that it's less about time saving and more about the convenience of not having every payment method on you at all times. I didn't claim it was the perfect solution or that you could immediately throw away your wallet and never ever need it for anything ever again, but this is certainly a step in the right direction... and still not about the speed of the transaction, for me at least.
 
Money is nasty.

Not if the server hadn't forgot to press a button. Once she pressed the button it was instant.

It works just like NFC payments in Europe, and they're a lot quicker than messing around with cash.

And more hygienic. Ever see one of those tests where they find all kind of NASTYness on Money - Feces, urine, cocaine, viruses, snot, etc...

MONEY IS NASTY and I for one would be happy to never touch any ever again.
 
I'm one of those apparently few people who wants a printed receipt whenever I use a credit card. Just common business sense to keep track of your spending purchases and to compare what gets posted on your credit card account balance.

So is there a receipt of any sort? A PDF receipt sent to your email address? Or do you just have to have a good memory and hope you can remember all those $1.59 purchases made throughout the billing period?

And what if it's a large purchase and you need to bring it back for a refund? Where's the proof of purchase? Will the retailer accept something from an iPhone 6 screen as proof?
 
Worst Apple Pay Demo yet

This was the worst Apple Pay video I've seen and Macrumors should be embarrassed for putting it up there just to drive page views.

It makes Apple Pay look ready awkward and clunky when it is anything but.

1. You don't have to have the Passbook app open
2. The iPhone can be locked and put next to the terminal to automatically activate the Pasbook app
3. Either pay with default app by using Touch ID or tap to select another card and confirm with Touch ID.

Apples video in the keynote shows exactly how it should be done. Simple.

Shame on you Macrumors.
 
Welcome to 2011/2012 Americans

Sincerely,

Rest of the world

But aren't contactless payments limited to about GBP 20 or EUR 20 in with most banks because of security concerns? Theoretically, with Apple Pay (and Google Pay) there is no hard limit since those systems use tokenization.
 
Do you guys not have tap-to-pay over there? I have my iphone in a wallet case, and credit card in the slot of the wallet. To pay for a McDonald's, or groceries or whatever, I just take my wallet out of my pocket, touch the corner of it on the machine, and put it back in my pocket. Total two seconds. This looked like a complete farce.

In the US do you still have to put your card in the machine and type a PIN?

Tap-to-pay (aka "contactless") has never really caught on much here in the U.S. We also do not yet have widespread chip-and-PIN. Our transactions are still mostly swipe-based. Usually with a signature (for credit cards) or PIN (for debit cards). Chip-based cards are supposedly coming in the next year or so.

As I understand, they haven't even gotten as far as PIN yet. The have to hand their card to the cashier, have it swiped and then put down their signature, like we used to do 20 years ago.

Swipe, yes. Sign, sometimes (usually only if over a certain threshold amount). Hand the card to the cashier? 50/50... many stores have customer-facing terminals so you can swipe it yourself.
 
I remember using mine when I had my nexus 4 around town a while ago ... when it worked it worked pretty well.

Now to get a bank card that supports this.
 
I tried to use :apple:Pay at McDonalds today and it didn't work. The checkmark displayed but nothing went through. Tried it 3 times. Worked great at Walgreens however. Very quick. Love it.
 
Not if the server hadn't forgot to press a button. Once she pressed the button it was instant.

It works just like NFC payments in Europe, and they're a lot quicker than messing around with cash.


Not to mention much less "Shrink" for the employer. Less cash handled by front end crew, equal many fewer pilferage issues!
 
But aren't contactless payments limited to about GBP 20 or EUR 20 in with most banks because of security concerns? Theoretically, with Apple Pay (and Google Pay) there is no hard limit since those systems use tokenization.

Yeah if over £20/€20 it defaults back to chip and pin.
 
I don't even care about ApplePay process in this video, but the guy did not say thank you or please even once during the whole video. Where are people's manners? I don't know, maybe it's normal in US, but it struck me as subtle douchebaggy.
 
I'm one of those apparently few people who wants a printed receipt whenever I use a credit card. Just common business sense to keep track of your spending purchases and to compare what gets posted on your credit card account balance.

So is there a receipt of any sort? A PDF receipt sent to your email address? Or do you just have to have a good memory and hope you can remember all those $1.59 purchases made throughout the billing period?

And what if it's a large purchase and you need to bring it back for a refund? Where's the proof of purchase? Will the retailer accept something from an iPhone 6 screen as proof?


Send you a confirmation 5 seconds. Start a smart Email folder in your mail program of choice (apple mail for me) and send'm on down for your records. Could it get any easier??? Only if someone else was picking up the tabs!
 
And more hygienic. Ever see one of those tests where they find all kind of NASTYness on Money - Feces, urine, cocaine, viruses, snot, etc...

MONEY IS NASTY and I for one would be happy to never touch any ever again.
If you've got a few dirty $100 bills lying around I'll be happy to take them off your hands:cool:
 
Not if the server hadn't forgot to press a button. Once she pressed the button it was instant.

It works just like NFC payments in Europe, and they're a lot quicker than messing around with cash.


Also those saying cash is faster isn't factoring in the time it takes to make a trip to a bank or ATM machine to get that cash. If I'm using cash less, just for when it's really necessary, I'm saving time by cutting cash getting errands.
 
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