It hasn't worked for me either the two times I have tried it here in DC at Trader Joe's both with AW and iPhone. It picks up the NFC signal and I can see the total, but nothing goes through, so I eventually have to get my card out and swipe instead.
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Apple Pay
- Thread starter LowesChevy48
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It hasn't worked for me either the two times I have tried it here in DC at Trader Joe's both with AW and iPhone. It picks up the NFC signal and I can see the total, but nothing goes through, so I eventually have to get my card out and swipe instead.
Some short points here since I've already covered much of this on my blog (see signature):
1. They completely confuse the security of chip and pin with that of (Apple Pay style) tokenization. They were meant to combat two totally different types of fraud. Chip and Pin addresses physical card theft; tokenization combats card number interception. Chip and pin does NOT combat the latter, since the card number is transmitted in the clear once it leaves the payment terminal - in that way, it's no different than mag stripe.
2. They state that the convenience is less than that of removing your card from your wallet, and that if you have a loyalty card, you'll need to remove that too. However, your loyalty card can almost certainly be in Passbook, which then immediately trumps the wallet since both "cards" are already in your hand with your phone/watch. Bring up passbook, scan the loyalty card, then either tap (iPhone) or double-click (Watch) and pay. Easier.
3. They say that Apple mistakenly believes that people don't want to be tracked. This is somewhat erroneous, since you still have a static (albiet fake) credit card number that can be tracked by the merchant. But hey, isn't that what a loyalty card is for?
4. Their point of "As you tap to pay, it could simultaneously register the transaction with the retailer’s loyalty card scheme, meaning you wouldn’t need to get a second card out or tap into the Passbook app (assuming the loyalty card in question is available in this way)." seems to be moot this fall and in the future as they are being integrated into the new Wallet. Of course, this was written last year, so we can't fault the author for not knowing this was coming, but it does mitigate his point.
Then the terminal was working but it sounds like you didn't keep your watch there long enough. That's what happened to me at TJ. I eventually got it to work. And on my second visit I was more confident it would work and it went much smoother.
Used pay today for the first time with my watch at Whole Foods. Worked perfectly. Made me realize how wonderful it was not to have to punch my PIN number into their system on a keypad that was likely crawling with germs and stuff.
Wish ALL stores took it!
Wish ALL stores took it!
I've used Apple Pay around 20-30 times since the service first came out, and around 10 times with my watch. Other than a few early hiccups last year, it's been flawless. I really like using it on the watch and this usually impresses the cashier who has only seen it done with a phone.
While the coolness of it is a motivation, my biggest reason for preferring it is the security. The Target hack was a big scare last year and I'll take any opportunity to complete a transaction without providing my real card number.
I find that the option to use Apple Pay is still rare in my area, but slowly spreading. I figure it will be another couple of years before it is widespread, particularly as the big retailers are holding out due to hardware upgrade costs or the desire to find another angle to collect customer data. But like the iPhone itself, I expect each year it will get a stronger and stronger foothold.
I've used it at Walgreens, Petco, Chevron stations (just in the convenience store), Whole Foods, and a few other places.
While the coolness of it is a motivation, my biggest reason for preferring it is the security. The Target hack was a big scare last year and I'll take any opportunity to complete a transaction without providing my real card number.
I find that the option to use Apple Pay is still rare in my area, but slowly spreading. I figure it will be another couple of years before it is widespread, particularly as the big retailers are holding out due to hardware upgrade costs or the desire to find another angle to collect customer data. But like the iPhone itself, I expect each year it will get a stronger and stronger foothold.
I've used it at Walgreens, Petco, Chevron stations (just in the convenience store), Whole Foods, and a few other places.
You've hit the nail on the head. And, the more often we DO use Apple Pay, the more merchants will be encouraged to sign up.
The end of this year should show an increase in the places that use Apple Pay since hardware in many cases will have to be upgraded to support Chip & Pin, and I expect that many will add NFC at that time.
If the POS craps out and you see an error, just try it again. That's happened a couple times, but the retry has always worked. Otherwise no issues, including with the button. The double press works perfect for me, regardless of what state the watch is in.
As a Brit who's still awaiting Apple Pay here in the UK, a quick question. Do you ask for/receive a receipt when using Apple Pay?
I've always had stores offer me a paper receipt as well, or at the Apple Store they gave an option to send an email receipt.
A few.
First, he claims that Apple Pay isn't a significant improvement over chip and PIN. I would disagree on that point. Unlike Apple Pay, the credit card number and expiration that the chip sends is the same as the one on the front of the card. This information can still be captured and used illicitly on websites that do not do any further verification (there are way more of those out there than you'd expect). Hackers are not currently able to make any use of the information Apple Pay sends over.
Then there's this doozy of a paragraph (emphasis mine):
For one thing, he's really mischaracterizing the US system. Almost no one checks signatures here. It's more of a "promise to pay" than any form of cardholder verification and it's not even asked for for small transactions. If anything, that should be a strike against Apple Pay adoption in the US. Also, NFC payments aren't the sole reason people decide to choose a specific device, so the characterization of the iPhone/Apple Watch as a "more expensive contactless card" isn't fair, especially since you're still allowed to use the physical card if you want. And once more UK merchants upgrade their terminals, Apple Pay will indeed become a replacement for chip and PIN for large transactions as well.
Oh, and this article was written before Apple brought loyalty program support to Apple Pay.
Almost all UK retailers support contactless payment already. And for some reason Apple failed to secure a deal with one of the Uks largest bank, Barclays. Also at present no UK bank allows contactless payments for anything larger than about £20. That goes for Apple pay too if you look at UK banks terms and conditions for using Apple pay.
Also when using Apple pay on London Underground, will Apple disable the Touch ID function for that or find an alternative? Touch ID would significantly cause crowds at ticket barriers at busy London tube stations during the rush hour as its so busy that the time added by Touch ID (even 1 or 2 seconds) would cause significant crowds to build up.
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You can authenticate with Touch ID before reaching the barriers to save time. Or use Apple Watch instead.
Also, as Neo1975 posted above, the merchant can indeed support transactions >£20 if their terminal has the latest software.
I don't think it's the terminal, i think it's the banks policy in many cases. And also how would you authenticate before reaching the barriers? Surely you'd need to touch the phone onto the nfc receiver first.
No, it's the terminal, needs to be one of the newer ones that can see what the device is that's using NFC with the terminal.
If you go into passbook and select your card and use touch ID, it'll be ready and it'll say hold phone near reader.
Worldpay has said that they will update all their terminals in September to support high value transactions (This will come along with them being updated to take contactless cards up to £30).
Trader Joe has replaced terminal to Apple Pay capable, but only few stores are selected for trail run. Confirmed with employee.
It's both.
Bank policy sets the liability limit (which merchants go by).
Terminal capability determines if device can ask to override the limit by claiming to have verified the card user on its own.
Terminals don't care (or even know) what the NFC device is. They only care about what data it sends.
But yes, a terminal must be updated to allow on-device cardholder verification.
In the UK, we have had contactless payments for a while, so Apple Pay will not be an issue for retailers here. They all have the terminals at easy access places for contactless.
The daily mail seems to think Apple Pay is released today. http://www.dailymail.co.uk/news/art...tml?ITO=1490&ns_mchannel=rss&ns_campaign=1490
Well Apple said from 01/07/15. It's down to the banks now I guess. Not seen any of them specify dates yet.