I really wished more retailers accepted it here. Starbucks just started accepting it a few months ago but usually most places here have no clue what it is or say it's broken when I try to use it. Been using it in my travels to the U.K., Europe and Canada since launch without any issues, but back home in the US, nope. Kind of embarrassing how behind we are on somethings.
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Apple Says 35% of U.S. Merchants Accept Apple Pay
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Get a decent protective case, activate Apple Pay, feel the joy.
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Before moving to Apple Pay, the EMV terminals here were so slow that I'd start to think of smth else, and the beep was so quiet that I'd often forget to remove my card in a timely fashion (adding 2-3 sec to process.). Now with my Apple Watch I'm done in 1.5sec with nothing to pull out or put back and no receipt to fiddle with.
Apple Pay is a joy in the UK. I get the tube to work every day using it, I buy my coffee and lunch with it at anywhere I choose... quick and simple.
Apple Pay in Safari is faster on iPhone than it is Apple Watch.
Have used it on thetrainline.com and it's around as fast as the mobile app/an in store transaction.
My biggest bug bear is the places I tend to shop at are still capped at £30 for Apple Pay.
In the UK we have really embraced the contactless method of payment esp. in last 12 months http://www.theukcardsassociation.org.uk/contactless_contactless_statistics/
I tend to be influenced where I shop due to the ease of use with apple watch.
Maximum is £30.00
Apple
Nandos
Pret a Manger
I'm sure there are others? have over the £30.00 limit
Cashback not allowed with contactless.
I tend to be influenced where I shop due to the ease of use with apple watch.
Maximum is £30.00
Apple
Nandos
Pret a Manger
I'm sure there are others? have over the £30.00 limit
Cashback not allowed with contactless.
And while Apple was thinking about it, my kids moved on it!
Just cobwebs left here, guys.
It's funny to me how many businesses I go to accept Apple Pay and don't actually realize it. I've seen people at the register at multiple grocery stores and even a restaurant outright surprised to see me use it, although one place actually advertises it on the display now (and their chip readers don't even work).
Personally, it's funny to me how it seems like the smaller places have much better support than the larger ones. Looking at the list of places I shop relatively regularly, we've got:
Accepts ApplePay:
Local single-location grocery store
Local two-location natural foods co-op
Local single-location pharmacy
Local lumber yard
Grocery Outlet (discount groceries)
Doesn't accept ApplePay:
Safeway
CVS
Costco
Ace hardware store
Local hardware store
Basically, all but one of the local places I shop do, and all but one of the big chains don't. I tend to shop local anyway, but it's actively encouraged me to avoid the other places, and I'd pick Walgreens over CVS just based on that if the nearest Walgreens wasn't 15 miles away instead of walking distance.
I do probably 90% of my shopping at the places that do accept it, so to me it's way more often than not.
I got the opportunity to try ApplePay on the web yesterday when my wife bought some shoes online and holy crap is that convenient. Click a button on my Mac, touch the fingerprint sensor on my phone, and boom, all my info is there and the order is complete! My wife couldn't believe it was that easy.
Personally, it's funny to me how it seems like the smaller places have much better support than the larger ones. Looking at the list of places I shop relatively regularly, we've got:
Accepts ApplePay:
Local single-location grocery store
Local two-location natural foods co-op
Local single-location pharmacy
Local lumber yard
Grocery Outlet (discount groceries)
Doesn't accept ApplePay:
Safeway
CVS
Costco
Ace hardware store
Local hardware store
Basically, all but one of the local places I shop do, and all but one of the big chains don't. I tend to shop local anyway, but it's actively encouraged me to avoid the other places, and I'd pick Walgreens over CVS just based on that if the nearest Walgreens wasn't 15 miles away instead of walking distance.
I do probably 90% of my shopping at the places that do accept it, so to me it's way more often than not.
I got the opportunity to try ApplePay on the web yesterday when my wife bought some shoes online and holy crap is that convenient. Click a button on my Mac, touch the fingerprint sensor on my phone, and boom, all my info is there and the order is complete! My wife couldn't believe it was that easy.
I understand apple pay and "contactless" are different - but if a merchant accepts "contactless" then here in the UK apple pay works 100% of the time up to £30.00
I guess its the same in the US and other countries.
"Apple Pay works anywhere that accepts contactless payments,"
http://www.pocket-lint.com/news/130870-apple-pay-explained-what-is-it-and-how-does-it-work
The list of 'where apple pay is accepted' must have been a clever advertising ploy by apple.
Is the limit $30 in the states or a bit more say $50?
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I like it but it isn't always as convenient and frictionless as the demo they gave. In Whole Foods I still have to use the keypad and still have to sign at the end of the transaction. Some readers don't see the phone first time.
Plus I still have to carry my wallet for driving license, membership cards,etc. Unless it becomes universally accepted it's still just another option instead of the only thing I have to carry.
Online, however, it is spectacularly easy. Select Apple Pay as payment option > read fingerprint > done. All the address stuff and payment info conveyed instantly and securely. Love it.
Plus I still have to carry my wallet for driving license, membership cards,etc. Unless it becomes universally accepted it's still just another option instead of the only thing I have to carry.
Online, however, it is spectacularly easy. Select Apple Pay as payment option > read fingerprint > done. All the address stuff and payment info conveyed instantly and securely. Love it.
I don't think we have a limit here in the states since it is authenticated by fingerprint.
Having used contactless payments for over a decade in canada, I always find it strange how most of the time when travelling in the US we were still swiping credit cards. Over the past year I've noticed they ask you to insert if you have a chip card. I was travelling in NY recently, many times I was asked if I had a chip card and to please insert it, yet it was a terminal that had tap to pay, so I was tapping my card and sometimes tapping my phone instead. They had no clue that was possible and kept insisting that I should be inserting the card.
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That's a poor excuse. What about Europe? The US is a decade late to the game. We've been using chip and pin for well over a decade, as well as tap to pay for nearly as long.
Hi
Thanks for the reply.
It looks like the 'floor limit' is between $25 and $50 in the States
https://en.m.wikipedia.org/wiki/Contactless_payment
It mentions Costco being $100 this is what I dont understand if Costco offer contactless yet @Makosuke say Costco DONT accept apple pay.
Here in UK Costco dont accept contactless but if they did then apple pay would be accepted.
The Canadian card readers work a lot better than in the US. We chose to upgrade to a chip and signature model that uses a slower chip technology and bypasses the security of using a pin. In my opinion apple pay is far superior to both. It's faster and is great redundancy if you forget your wallet.
Apple Pay is the most convenient/efficient/safe form of payment. I wish it would be taken everywhere. The new credit card chip process is annoying and ridiculously slow. I will retire my PayPal account once Apple Pay gets wider traction for online payments.
I don't. Using EMV is like going backwards in time compared with Apple Pay. I've yet to have a good experience with EMV. In every case, it's been a much slower process. And I have no idea what supposedly makes it more secure.
I do like Apple Pay a lot, but 35% of vendors still isn't much. And I've had many experiences where it's failed to work at vendors where previously it did work.
I use it whenever and wherever I can, and tend to shop places that have it. But they're still few and far between.
I use Apple Pay at Whole Foods, Trader Joe's, RiteAid, and my favorite Mexican restaurant. And of course the local Apple store. Cashiers may not care about the delay with chipped cards, but the owners and managers do; it slows down their business.
I've reached the point that if I see the NFC payment symbol on the card reader, I go ahead and use Apple Pay, even if the merchants don't know about it if I ask. I've done that at a gardening nursery, and at the local Microsoft store. I bought a Surface Pro with Apple Pay!
One strong reason for buying an Apple Watch was for Apple Pay. It makes paying much easier, especially if you also have to dig out a loyalty card along with payment.
I've reached the point that if I see the NFC payment symbol on the card reader, I go ahead and use Apple Pay, even if the merchants don't know about it if I ask. I've done that at a gardening nursery, and at the local Microsoft store. I bought a Surface Pro with Apple Pay!
One strong reason for buying an Apple Watch was for Apple Pay. It makes paying much easier, especially if you also have to dig out a loyalty card along with payment.
Is ApplePay really a thing? is it picking up?
I never understood why they make you sign receipts, you can write anything and they will still accept it. How is that valuable to them?
I never understood why they make you sign receipts, you can write anything and they will still accept it. How is that valuable to them?
Yes.
I love love love using Apple Pay. It's available at about 75% of places I shop even if they don't directly advertise it.
Anywhere I see the contactless symbol I give Apple Pay a try and 99% of the time it just works.
Local big box grocer, my co-op, small coffee shop, even my local gas station now accepts Apple Pay at the pump.
I've stopped carrying a full wallet and switched to a simple Mujjo card holder case on my iPhone to hold a license and an emergency card because Apple Pay takes care of the rest. It's gotten to the point of minor annoyance when I do have to take out my card. My wife was actually shocked Target doesn't accept it yet when she went shopping there yesterday.
Did you know you can search Apple Maps for "Apple Pay" and find retailers who accept it in a given location? Also, business descriptions specifically list Apple Pay as well when using Apple Maps.
I love love love using Apple Pay. It's available at about 75% of places I shop even if they don't directly advertise it.
Anywhere I see the contactless symbol I give Apple Pay a try and 99% of the time it just works.
Local big box grocer, my co-op, small coffee shop, even my local gas station now accepts Apple Pay at the pump.
I've stopped carrying a full wallet and switched to a simple Mujjo card holder case on my iPhone to hold a license and an emergency card because Apple Pay takes care of the rest. It's gotten to the point of minor annoyance when I do have to take out my card. My wife was actually shocked Target doesn't accept it yet when she went shopping there yesterday.
Did you know you can search Apple Maps for "Apple Pay" and find retailers who accept it in a given location? Also, business descriptions specifically list Apple Pay as well when using Apple Maps.
I thought the retailer picked up the bill if they have shown to be negligent ie not checked the signature.
Apple pay must have virtual zero fraud, I'm amazed retailers are not falling over themselves to update their terminal.
Also the banks should offer big savings on the terminals as it will save them a fortune in the long run.
Came here to say this!
As much as Apple has failed as of late, Apple Pay is amazing, and I love it.
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It's annoying for the merchant as well. AP is convenient for both parties involved.
Wait you're doing PAYG for tube fares? Why not use an Oyster where you'd save yourself money as you're paying at least £400 more per year using PAYG vs Oyster and it goes up each time by £50 odd per additional zone.
I'm all for Apple Pay and ease of use but that's throwing money down the toilet.
Insert card when prompted. Remove card when prompted. Leave. Personal narrative seems to be the determining factor in how "difficult" chip cards are.
Try using NFC. Cashier says they don't do it. Look at NFC capable terminal. Try NFC anyway. Process partially starts before timing out. Customers in line giving you the side eye. Try again. Process completes. Smile smugly. Cashier smiles "smuglier" and says sign this. Meanwhile, 5 years have passed since you walked into the store for milk and eggs. It took you 5 years to get through the Apple Pay process. Your wife has left you and your kids call the former poolboy "new daddy". Chip and pin would have only taken 5 seconds and you'd still have your family. Was Apple Pay worth your family Harvey? Was it?!?!
You've got this reversed as to which company's system is having the impact. Apple Pay now has 75% of all the contactless payments in the US!