Apple Planning November Launch of Apple Pay in Canada

[Robstevo]

The only reason this won't be in the UK anytime soon is down to 2 points :

1) Greed of the banks. They don't want to give up any bit of money to Apple regardless of how small it is.

2) They're terrified of Apple getting a foothold into banking which could lead to them eventually being squeezed out and having less control of customer data which they rely on to market products and services to us.

If you want it in the UK go and tell your bank via Twitter, social media etc. and threaten to switch your bank account if they don't get it at launch.

Share everyone's frustrations and we could have it really really soon if only the banks weren't dragging their heels.

1 - you can say it's the banks greed, but it's also fair to say it's apples greed as well. In realty all the risk is put on the banks and not Apple. If i am subjected to fraud via Apple pay, it's it's not Apple who will be refunding my account and sorting out the problem. Also are Apple even involved in anything but simply uploading my details in the phone? Why should Apple get any fee at all then? That fee should already be built into the very high price we pay for our iPhones.

 

[hogo-fogo]

None of my credit cards have annual fees. I refuse to own any that do.

Very soon you won't be able to register "no annual fee" CC with APay. Only CCs with annual fees will be eligible for registration wit APay.

Mark. My. Words.

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1 - you can say it's the banks greed, but it's also fair to say it's apples greed as well. In realty all the risk is put on the banks and not Apple. If i am subjected to fraud via Apple pay, it's it's not Apple who will be refunding my account and sorting out the problem. Also are Apple even involved in anything but simply uploading my details in the phone? Why should Apple get any fee at all then? That fee should already be built into the very high price we pay for our iPhones.

Agreed. Apl should be putting APay there as an incentive to buy iPhone. That should be enough, no cuts from transactions. Just Apl is sooo greedy.

 

[dampfnudel]

Still no plan for the UK :/

I'm sure the UK, Germany and other countries in Europe will get Apple Pay in 2016, if they don't get it this year. European governments, banks and regulations can be a hindrance for Apple so don't direct all/most of the blame toward them.

 

[MacrumoursUser]

I'm sure the UK, Germany and other countries in Europe will get Apple Pay in 2016, if they don't get it this year. European governments, banks and regulations can be a hindrance for Apple so don't direct all/most of the blame toward them.

But its not my problem. I bought a device and even paid more, but 40% of features are not available to me. Don't charge me for those features then. Why do you?

 

[laurim]

But its not my problem. I bought a device and even paid more, but 40% of features are not available to me. Don't charge me for those features then. Why do you?

You made the choice to buy an iPhone knowing you wouldn't immediately have all the services it has access to. No one forced you to buy it. Would you have it any better if you had bought an Android phone and use Google Wallet?

I don't know why people expect Apple to absorb the costs to provide a credit card conduit when all the other services that do so get a fee already. You think that dongle people can plug into an iPhone to swipe credit cards is free for the merchant to use? The Square Reader dongle service costs a merchant 2.75% of every card swipe transaction. Manually enter card information and pay 3.5% + 15¢ per transaction.

https://squareup.com/reader

 

[MacrumoursUser]

You made the choice to buy an iPhone knowing you wouldn't immediately have all the services it has access to. No one forced you to buy it. Would you have it any better if you had bought an Android phone and use Google Wallet?

I don't know why people expect Apple to absorb the costs to provide a credit card conduit when all the other services that do so get a fee already. You think that dongle people can plug into an iPhone to swipe credit cards is free for the merchant to use? The Square Reader dongle service costs a merchant 2.75% of every card swipe transaction.

https://squareup.com/reader

Yeah best answer for everything - no one forced you. Goodbye.

 

[BSben]

You made the choice to buy an iPhone knowing you wouldn't immediately have all the services it has access to. No one forced you to buy it. Would you have it any better if you had bought an Android phone and use Google Wallet?

I don't know why people expect Apple to absorb the costs to provide a credit card conduit when all the other services that do so get a fee already. You think that dongle people can plug into an iPhone to swipe credit cards is free for the merchant to use? The Square Reader dongle service costs a merchant 2.75% of every card swipe transaction.

https://squareup.com/reader

If Apple decided to disable the cameras in future iPhones in the US of A , I think you would feel a bit grumpy too.

 

[mazz0]

I don't get why people hate on apple for not releasing things worldwide. If they had a choice why wouldn't they? They have to work with that countries rules and regulations and get all sorts of clearance.

For example iTunes Radio in Canada, they likely have to go through CRTC and boy are they a bunch of *******s. I'm sure each country has its own organization that apple needs to negotiate with before launching services.

I'm sure Apple isn't against making profit by launching worldwide from the get go ��

I'm not hating on Apple, I'm hating on reality. Bloody reality

 

[laurim]

If Apple decided to disable the cameras in future iPhones in the US of A , I think you would feel a bit grumpy too.

I think there's a difference between not immediately having a service that requires a third party to implement versus a basic feature that is already on the phone and removed for no apparent reason. Maybe you can come up with a better analogy. Many countries outside the USA have super high speed internet for a fraction of what we pay in the US for mediocre internet so at least you have that over us...

FYI- ApplePay is still rolling out in the USA, too. There are many places in my town where it doesn't work and I simply email the people in charge of that store and nicely tell them to get on the stick. They have replied that they are working on it. My own bank just joined last month. Squeaky wheel gets the grease so contact your credit card issuers and tell them you want it.

 

[mrcobra92]

Again, do you know this for definite or are you just saying that because Apple said it? What is more secure about Apple Pay then the current NFC system already set up by the banks?

Oh boy. Let's talk about that. 3 words just for a start. Fake. Card. Number. There is a new card number for each card you activate, regular contactless cards use the same card number that is used for everything else and includes your name (in some cases) over NFC and always over contact EMV. Sure they both use the same cryptogram, but the fake card number also means the retailers can't track your purchases. There is tons more on why it is a way better solution, but I think this sums it up for now.

 

[duaneu]

So many places still don't accept apple pay even in the US. Can't remember where I was the other day, but I asked the clerk if the reader accepted Apple Pay, and she looked at me as if I were trying to give her counterfeit money!

The clerks are often the last to know. I used it at a store last weekend and the checker was very surprised - she had never seen it before.

 

[goudok]

I haven't had the chance to read over every single comment, but I live in Canada and have lots of friends in the states who come to visit me on the regular basis. They all use apple pay here and it's awesome, they just tap and go.
Now about security. I was in Miami a month ago and my wallet was stolen, someone went out and tapped it at walgreens with my canadian credit card for 150$ total in about 10 different locations. On that alone, apple pay is way more secure than a credit card. If i were to lose my phone a) i would instantly wipe it ad b) finger print scanner would not let them use my card.

That alone is way more secure than nfc enabled credit cards, having said that I still love nfc credit cards and i myself tap anywhere i can because it is way more convenient.

 

[Rudy69]

I rarely ever pay with something else than my pay wave (visa's paypass) so it will be nice to just be able to use my phone. The only place I don't use it is Costco (silly they still won't take visa) and Shoppers because their NFC reader "only work for debit" according to their staff :/

 

[xero9]

I rarely ever pay with something else than my pay wave (visa's paypass) so it will be nice to just be able to use my phone. The only place I don't use it is Costco (silly they still won't take visa) and Shoppers because their NFC reader "only work for debit" according to their staff :/

I've used paypass at Shoppers any time I've shopped there. What if you just tap when you say "visa"?

 

[dampfnudel]

But its not my problem. I bought a device and even paid more, but 40% of features are not available to me. Don't charge me for those features then. Why do you?

So you would prefer to pay less for your iPhone and then when Apple Pay becomes available in your country, you would be willing to pay extra to enable Apple Pay on your iPhone? What about the increased complexity for Apple and the negative reaction from people confused on why they have to pay "extra" for a feature they thought was included in the price they originally paid. At the moment, Apple Pay is still in its infancy, even here in the US where only about 6% of iPhone 6 users regularly use it (as of March 2015).

 

[xero9]

But its not my problem. I bought a device and even paid more, but 40% of features are not available to me. Don't charge me for those features then. Why do you?

I want Apple Pay as much as the next guy, but 40% of your phone you can't use? I think you need to check your math on that one.

 

[Robert.Walter]

But its not my problem. I bought a device and even paid more, but 40% of features are not available to me. Don't charge me for those features then. Why do you?

Nobody forced you to buy it.

If you are looking for the bad actors that cause these features to be excluded in your market, look to financial institutions, copyright holders, and government agencies all trying to protect their income streams by clinging to pre-common market regulatory set-ups.

You want a change? Put pressure on your elected reps to work towards common market standards that harmonize these regulations and eliminate the eternal delays associated with them.

 

[Robert.Walter]

I rarely ever pay with something else than my pay wave (visa's paypass) so it will be nice to just be able to use my phone. The only place I don't use it is Costco (silly they still won't take visa) and Shoppers because their NFC reader "only work for debit" according to their staff :/

Starting March 2016, Costco will drop AMEX for Visa (exclusive, with primary visa partner being Citibank). Costco's business arm is heavily promoting the sale of Chip/NFC card readers (but is a laggard to install them in its own stores. Wonder what is the reason behind the installation delay as they only have 6m to get compliant by updating their "Victorian-Era+100" swipe readers.)

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The clerks are often the last to know. I used it at a store last weekend and the checker was very surprised - she had never seen it before.

At the Kroger Co., this level of ignorance extends to the store manager level. I contacted Kroger corporate to find if they had any timetable for implementing Pay (they play coy, but they don't) and mentioned that their local manager had remarked "Kroger is always the last to get new tech"; the Kroger corporate person asked me to identify the manager. I declined to do so. LoL.

 

[Doc C]

I think that this might be one of the biggest barriers to these services in Canada.

We have very strict regulations regarding privacy and dissemination of personal information.

Basically: any company operating in Canada cannot keep and store personal information without several steps
1. Giving you an "opt in" to collect information. "opt out" isn't enough, you have to consciously say 'yes'

2. The collection of the information must be clearly identified to why it is collected, and how it is to be used.

3. The information collected can only be used for the purposes identified in the above uses and Cannot be used for purposes not expressly agreed upon.

4. The information, once no longer usable by those outlined purposes, must be destroyed / scrubbed of identifiable information and cannot be in the future used or linked to an identifiable individual.

5. At no point can identifiable personal information ever be sold to 3rd parties.

though, there are even more rules, these are the big ones that passed in the PIPEDA act. https://www.priv.gc.ca/leg_c/leg_c_p_e.asp


However, you are completely incorrect in how Google, Apple and most of the big players use your data. They do not take it, and resell your data. They take it, Use advanced statistics and algorithms for it, and then sell the resulting information. There's no personal information being sold. What they're selling is "from our statistics, X amount of people Enjoy Y products, so, pay us Z amount of money and we'll make sure they those X people see your adds."

if you believe your personal information is being directly sold to other's by google or apple, you've believed way too much of the FUD in here.

Sadly, many of the larger companies openly ignore these rules. I would be very surprised if Facebook adhered to these regulations (I'm not on Facebook so I know little about it), and I don't recall any ability to opt out of Google's and Amazon's data collection, thus I'm routinely hammered with targeted ads for stuff I already have because I searched for the manual.

 

[jm001]

This is excellent news. I hope all goes well and it does come to fruition. I use Visa Paywave and Interact Flash at many retailers including gas stations and having the ability to use ApplePay would be quite convenient. As for the banks bitching about "fees" WTF?! Every year there are reports of record breaking profits from these banks so I think they'll be able to handle the fee structure that Apple has offered.

 

[MacrumoursUser]

I want Apple Pay as much as the next guy, but 40% of your phone you can't use? I think you need to check your math on that one.

Go to the iPhone feature page by country and count maybe its not exactly 40 percent, but its not 1 or 2 either.

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Nobody forced you to buy it.

If you are looking for the bad actors that cause these features to be excluded in your market, look to financial institutions, copyright holders, and government agencies all trying to protect their income streams by clinging to pre-common market regulatory set-ups.

You want a change? Put pressure on your elected reps to work towards common market standards that harmonize these regulations and eliminate the eternal delays associated with them.

I stopped reading after NOBODY FORCED YOU.

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So you would prefer to pay less for your iPhone and then when Apple Pay becomes available in your country, you would be willing to pay extra to enable Apple Pay on your iPhone? What about the increased complexity for Apple and the negative reaction from people confused on why they have to pay "extra" for a feature they thought was included in the price they originally paid. At the moment, Apple Pay is still in its infancy, even here in the US where only about 6% of iPhone 6 users regularly use it (as of March 2015).

Well lets looks at Siri. Its available for how long? And just recently gained Danish, but it's sold officially in Denmark of years. We even have online apple store.

Keep rationalizing. You are doing great.

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You made the choice to buy an iPhone knowing you wouldn't immediately have all the services it has access to. No one forced you to buy it. Would you have it any better if you had bought an Android phone and use Google Wallet?

I don't know why people expect Apple to absorb the costs to provide a credit card conduit when all the other services that do so get a fee already. You think that dongle people can plug into an iPhone to swipe credit cards is free for the merchant to use? The Square Reader dongle service costs a merchant 2.75% of every card swipe transaction. Manually enter card information and pay 3.5% + 15¢ per transaction.

https://squareup.com/reader

Add this "no one forced you" to the list.

 

[elvisimprsntr]

Tangerine's back end is handled by Scotiabank AFAIK. So if Scotia supports it then Tangerine should as well (in theory).

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Walmart, Home Depot and Best Buy all still don't accept contactless payments. I believe they are all part of that godawful QR code payment group (can't remember the name of those losers).

Breaking news... ApplePay works at Home Depot! I've been using since launch at least three times a week.

 

[elvisimprsntr]

You're right - we are very well prepared. I can go a couple of weeks and never pay cash for anything. It's all done via contactless mobile payments.

Last year I went on a holiday to New York - couldn't believe how many places required me to pay cash for stuff. Unbelievable.

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Same here. I've been (politely) barking at my bank through online surveys for a couple of years now for not having Interac Flash and Interac online purchase ability. Once ApplePay comes along, I'm getting ready to jump ship.

They need to get with the times.

Paying in cash allows US businesses to hide income from the IRS due to the unfair business tax rates. More common than you think.

 

[Boomish69]

Indeed.

I still don't get why Apple didn't roll this out here first. Pretty much every single terminal I encounter on a daily basis has NFC built in unlike in the US.

Absolutely, I've even sent in a complaint to Apple as it was one of the main reasons for getting the iPhone 6, I've use NFC payment daily for years, the UK would have been great example for Apple Pay. It seems to me Apple did no research here at all until after the release!

 

[Banyan Bruce]

UK roll out delayed .....again !

I wouldn't get your hopes up. UK Banks are not at all happy with Apple Pay's security or the amount of personal information being exchanged. I highly doubt our banks will give any control over to Apple. And rightly so.

Staggering...The UK banks just want a slice of the profit pie. Security, pah ! Profit ....yes please. Please don't insult us folk with any other excuse. It's just money and nothing to do with customer care ! British banks don't give a damn.