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Apple Pay

Fusion79 said:
Anybody have an issue with a card that was added to passbook being declined? I have two cards setup, my Chase Southwest Rapid Rewards Visa and my Costco Amex. Tried buying a soda with a Visa, it took and started processing and came back declined, like the card had no available credit or something but that is not the case at all. Tried the Amex then and it went through fine so it was not an issue with the soda machine. On the Visa it even shows the attempted transaction in my history with a red exclamation point by it with declined in the description.

I could see that being an issue if you expect to be able to use your card and it is getting randomly declined. If you are able to set it up and verify it then it should work.
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I had the exact same problem using my Citi DoubleCash MasterCard at a soda machine yesterday with ApplePay. It was declined, and I have enough available credit for a $1.60 bottle of soda. Used my Chase Freedom Visa with AP and it worked fine.

If I was extra thirsty and wanted another soda, I would've tried swiping my Citi card and seeing if it went through that way. Maybe a very temporary issue with the machine or something about the transaction triggered Citi's fraud detection. My Citi card worked with AP at Walgreens later in the day.
 
lookatchu said:
That's funny. Discover is one of several cards that I own, including BofA, Capital One, Chase and others. Discover's customer service is the best by far. Plus, I can't think of too many places where it's not accepted.
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Almost anywhere outside the US. It's a terrible card for travel.
 
3square said:
out of curiosity.. in your passbook, does your card shows the store info and the total for the transaction? for the double charge transaction.

mine only shows san francisco, CA and the amount shows "--"
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My Wells Fargo debit card shows the same. I noticed that in passbook when I selected my Wells card and selected the info icon, there was no option to show "Card Notifications". My only guess is this is an optional thing, as other cards I have show the Card Notifications option and display recent transactions (chase/amex) when selected.

Unfortunate as I use my debit card all the time, and a recent transaction list with numbers would be nice for the card.
 
yg17 said:
Almost anywhere outside the US. It's a terrible card for travel.
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OK...this is true, which is why one should carry other cards for that purpose. As far as rewards are concerned, it's not my go-to card, but in the states, it's perfectly fine for the most part.
 
My Chase checking account sat overdrawn for a couple months, they shut the account off and the card is no longer valid- however, :apple:Pay let me add it and verified on the phone LOL..
 
Just bought Halloween candy and several packs of my favorite gum (I stock up when I can find it, because it's somewhat hard to find) at Walgreens, Apple pay worked like a charm!
 
I use Apple pay for first time today buying Gatorade at a Chevron.

Everything was smooth on the transaction side however I did have to press the "credit" button on the POS terminal but other then that I didn't slide my card which was cool.

Now what caught me off guard was looking at the receipt. The last 4 digits showed xxxxxxxxxxxx0002 E/VISA but the last digits of card is not 0002. Can someone explain this?
 
Cowboy1629 said:
None of my credit or debit cards work. Look at all the money I will save!



I guess being a member of the credit union has its advantages/disadvantages.
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Yeah, I'm stunned at the popularity of big banks. Either this is for cards only or they also have accounts but have some way around all the fees.

wxman2003 said:
]I would bet most of the 500 banks will have this working by black friday. They don't want to miss out on that revenue.
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Banks are getting a taste of what cell providers have had since Steve introduced the iPhone. Busy registers, busy accounts, and busy customer support after an apple launch. They won't want to repeat VZWs mistake.

Beerstalker said:
So anyone have any recommendations on cards to get?
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Bankrate.com is a great place to shop for new cards.

As mentioned above, average account age is a key credit score metric. Killing any card older than your account average will make your average newer. Credit karma (App Store) is a good way to check/track this.
 
macosxuser01 said:
I use Apple pay for first time today buying Gatorade at a Chevron.

Everything was smooth on the transaction side however I did have to press the "credit" button on the POS terminal but other then that I didn't slide my card which was cool.

Now what caught me off guard was looking at the receipt. The last 4 digits showed xxxxxxxxxxxx0002 E/VISA but the last digits of card is not 0002. Can someone explain this?
Click to expand...

Token. The token is the only thing merchants see. that's what's great about security on Apple Pay. You should see that same token listed as "Device Account Number" under card information on your device.

The actual digits of the credit card are NOT used in an Apple Pay transaction. That's what's so cool about it. You could give your token out like candy at Halloween -- but no one can do squat with it.
 
macosxuser01 said:
I use Apple pay for first time today buying Gatorade at a Chevron.

Everything was smooth on the transaction side however I did have to press the "credit" button on the POS terminal but other then that I didn't slide my card which was cool.

Now what caught me off guard was looking at the receipt. The last 4 digits showed xxxxxxxxxxxx0002 E/VISA but the last digits of card is not 0002. Can someone explain this?
Click to expand...

As your card number is not used/transmitted at all during the transaction (or even stored on your phone) that is the last 4 digits of your device number.

Essentially an encrypted version of your card number.
 
macosxuser01 said:
I use Apple pay for first time today buying Gatorade at a Chevron.

Everything was smooth on the transaction side however I did have to press the "credit" button on the POS terminal but other then that I didn't slide my card which was cool.

Now what caught me off guard was looking at the receipt. The last 4 digits showed xxxxxxxxxxxx0002 E/VISA but the last digits of card is not 0002. Can someone explain this?
Click to expand...

The digits you see are the virtual card number that replaces your real number. Security measure.
 
macosxuser01 said:
I use Apple pay for first time today buying Gatorade at a Chevron.

Everything was smooth on the transaction side however I did have to press the "credit" button on the POS terminal but other then that I didn't slide my card which was cool.

Now what caught me off guard was looking at the receipt. The last 4 digits showed xxxxxxxxxxxx0002 E/VISA but the last digits of card is not 0002. Can someone explain this?
Click to expand...

From Amex email:
"-When you turn over your Card in Apple Pay, you will see two different sets of numbers. One will be the last 5 digits of your American Express Card number. The other is the Device Account Number, which is a unique number assigned to this Card on your Phone.
-If a merchant asks for the last 5 digits of your Card after you’ve made a purchase with your American Express Card in Apple Pay, please use the last 5 digits of the Device Account Number."

So it's probably the Device Account Number I would guess.

EDIT: Beat to it by...numerous people.
 
caesarp said:
Token. The token is the only thing merchants see. that's what's great about security on Apple Pay. You should see that same token listed as "Device Account Number" under card information on your device.

The actual digits of the credit card are NOT used in an Apple Pay transaction. That's what's so cool about it. You could give your token out like candy at Halloween -- but no one can do squat with it.
Click to expand...

Wow this is cool. Thanks for the info
 
How will this work with cards like Chase Freedom or Discover it that have cashback rewards on specific purchases? Chase and Discover automatically get 1%-5% cashback on purchases based on the time of the month and where you make purchases. However, it sounds like my statement from Chase and Discover will all say Apple Pay, California or something... right? How will Chase & Discover know whether to give me 1% or 5% cashback on purchases?
 
dndandrea said:
How will this work with cards like Chase Freedom or Discover it that have cashback rewards on specific purchases? Chase and Discover automatically get 1%-5% cashback on purchases based on the time of the month and where you make purchases. However, it sounds like my statement from Chase and Discover will all say Apple Pay, California or something... right? How will Chase & Discover know whether to give me 1% or 5% cashback on purchases?
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Uh, the purchase location doesn't just disappear. They know what category your purchase falls under...by the transaction details. Just as if you swiped the card.
 
dndandrea said:
How will this work with cards like Chase Freedom or Discover it that have cashback rewards on specific purchases? Chase and Discover automatically get 1%-5% cashback on purchases based on the time of the month and where you make purchases. However, it sounds like my statement from Chase and Discover will all say Apple Pay, California or something... right? How will Chase & Discover know whether to give me 1% or 5% cashback on purchases?
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No, or at least for Capital One, the transaction appears on your credit card statement just like any other transaction. There is no indication ApplePay was used for the purchase.
 
dndandrea said:
How will this work with cards like Chase Freedom or Discover it that have cashback rewards on specific purchases?
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The purchase information is not hidden from the originating bank since they are the ones that provide the tokens. So there should be no difference.
 
lookatchu said:
That's funny. Discover is one of several cards that I own, including BofA, Capital One, Chase and others. Discover's customer service is the best by far. Plus, I can't think of too many places where it's not accepted.
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discover is accepted almost no where here in NYC. less big corporate chains, smaller merchants usally refuse to pay the fees associated with discover
 
bozzykid said:
The purchase information is not hidden from the originating bank since they are the ones that provide the tokens. So there should be no difference.
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Actually, are the banks the token providers, or is Apple the token provider?

The EMVco Tokenization spec calls the Token Service Provider (TSP) as separate from the merchant, the acquirer, the issuer, or the payment network. So, in theory it could either be Apple or the individual banks.

In either case, the spec calls out for the payment network to replace the token with the original PAN before being given to the issuer, so in either case the bank will see the purchase.

Edit: It looks like the payment networks are serving as the TSPs. http://bankinnovation.net/2014/09/heres-how-the-security-behind-apple-pay-will-really-work/
 
Last edited:
Regions Bank

If you use Regions Bank here is what they emailed me when I emailed them to ask them about Apple Pay.



Robert,




Thank you for your email. We are currently working on developing this new service for Regions customers. While we don't have an exact date of when this service will be offered, we are hoping to have this available in advance of the holiday shopping season. We appreciate your patience and feedback as we work hard to improve your banking experience.



Have a good day.
 
WaveGawd said:
discover is accepted almost no where here in NYC. less big corporate chains, smaller merchants usally refuse to pay the fees associated with discover
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I'm actually from NYC too, and while that might hold true in some mom and pops, I find that most restaurants and shops I go to do accept Discover. It's not my go-to card, so I may not notice who doesn't take it as much but I'll check out of curiosity.
 
I have a question about Apple Pay. I have 2 different cards loaded, and they have different billing addresses. When I was setting up apple pay, it would only let me use one billing address as default. I tried to enter the 2nd billing address for the 2nd card but it wouldn't save it.

I'm afraid I can't use my 2nd card now since I can't get the billing address for it to save.

Any thoughts on this issue? Where does the default billing address come into play? Is it just information for online forms or does it affect transactions?

Brian
 
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