I've actually been to places here where the chip was basically no slower than swiping, so it's totally possible to have a better experience. I don't think most larger stores are going to bother though, unfortunately. Almost makes me wonder if that's on purpose (so people use cards less often, giving the stores leverage with Visa/MC).
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Apple Says 35% of U.S. Merchants Accept Apple Pay
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I've actually been to places here where the chip was basically no slower than swiping, so it's totally possible to have a better experience. I don't think most larger stores are going to bother though, unfortunately. Almost makes me wonder if that's on purpose (so people use cards less often, giving the stores leverage with Visa/MC).
That must be location specific, because the Whole Foods near me doesn't require you to sign Apple Pay transactions.
The big retailers seem to believe, whether correct or not, that they make more money owning your transaction history and spamming you with ads than they lose in fraud. That's why almost all of them (Target, CVS, Walmart, etc) reject Apple Pay and have their own payment systems.
Autofill is easy, and I haven't yet used Apple Pay on my Mac. But I assume Apple Pay will be easier, because with Autofill, I still have to type in the CVV number (three or four digits) from the card. If you do a lot of online shopping, you probably have that number memorized, but it can be a pain if you have multiple cards and you don't recall which CVV goes with which card.Clicking the Auto-Fill button in the toolbar is easier...
Also Apple Pay is more secure than Autofill, since the merchant doesn't see my credit card number, nor does the hypothetical person looking over my shoulder.
Many words, little content. Publix is probably looking at what Walmart is doing (reject Apple Pay, add QR code app). Never mind that nobody likes QR code systems. Since they take Samsung Pay according to some of the employees I talked to it's not about enabling NFC, though most Publix locations don't seem to have NFC enabled.
The deli i get my lunch on 36th street does not take apple pay or any restaurant I go to - or my neighborhood pharmacy, dry cleaner or Korean Grocery store. Most already do take the chip on my card.
35% if you shop at Walgreens, Dunking Donuts and think Olive Garden is an Italian restaurant or that Starbucks is a coffee shop. I still need to walk around with my debit card so why take out a 600 dollar phone to pay for a 6 dollar sandwich.
35% if you shop at Walgreens, Dunking Donuts and think Olive Garden is an Italian restaurant or that Starbucks is a coffee shop. I still need to walk around with my debit card so why take out a 600 dollar phone to pay for a 6 dollar sandwich.
I get that anecdotes aren't evidence, but I certainly don't experience a one-in-three chance that Apple Pay works out in the wild.
No small limit in US as far as I can tell. I've used it for purchases well over $100.
I live in the SF Bay Area, and there are a fair number of places that accept Apple pay. Nevertheless, I will sometimes walk up to a register that has a reader that accepts NFC and supports Apple Pay, but the clerk won't know how to use it or the software hasn't been installed in the store system. So, I end up pulling out my wallet and inserting the stupid credit card with the chip...then waiting around for the connection and transaction to be completed. It's definitely a 1st world problem, but still a little frustrating that the store probably has the technology and hasn't bothered to set it up or use it.
Interestingly, there are a fair number of small grocery stores, candy shops, and restaurants in my town that accept Apple Pay. But, many large retailers and stores still do not. I am amazed that Safeway doesn't accept Apple Pay, but my corner grocery store does! I think pay at the pump gas stations might be hold-outs for a while....implementing NFC at 10 pumps might be expensive.
I would love not to carry a wallet, cards or cash around. Also, physical credit and id cards are just not very secure. I think it would be great if DMV allowed electronic ID cards on phones as well. It looks like we are still a few years away from this happening.
Interestingly, there are a fair number of small grocery stores, candy shops, and restaurants in my town that accept Apple Pay. But, many large retailers and stores still do not. I am amazed that Safeway doesn't accept Apple Pay, but my corner grocery store does! I think pay at the pump gas stations might be hold-outs for a while....implementing NFC at 10 pumps might be expensive.
I would love not to carry a wallet, cards or cash around. Also, physical credit and id cards are just not very secure. I think it would be great if DMV allowed electronic ID cards on phones as well. It looks like we are still a few years away from this happening.
Visit Northern NH / VT USA. There's one place in town that takes Apple-Pay and they take it by accident. There's no sign, just the card reader supports NFC. I have a stat for you. 4 out of 5 places up here don't even have a working chip-reader yet.
Actually, unless I'm mistaken, Samsung Pay does not require that NFC be enabled on the POS equipment since Samsung Pay is able to mimic a card swipe. That's why Samsung Pay is able to be used virtually everywhere you would normally swipe a card.
Hey, I agree that the process of using EMV has been catastrophized, but the same could be said for your disillusion with AP.
Overall, AP is easier to use than EMV.
Also, in order to pay for the licensing fee for using my line, please insert card...
Hi
Thats really good I think our £30.00 in the UK esp. for secure apple pay need raising to say £100.00
The wikipedia link https://en.m.wikipedia.org/wiki/Contactless_payment is obviously out dated for the States
thanks
It depends on whether you buy into the meme that Android users typically spend less than iOS users. If you believe that, then the difference is magnified
TMIW and I were talking about the impact on usage of a particular payment system, in this case, Samsung Pay. It's up most likely because it can be used almost any place.
However, now that you bring up Apple Pay, its usage is actually less than ever (as a percentage of users with AP capable devices)... because it's so hit or miss if it'll work someplace in the US.
Apple Pay is just another name for an EMV contactless transaction using some of the latest standards.
EMV does not hide the actual CC account number from the merchant. (It easily could. There have been credit cards which used a token.)
As Aristobrat noted, the primary reason for EMV was to allow offline authorization in Europe where the cost of doing it online was prohibitive for a long time. That's why it requires a PIN over there.
US banks, on the other hand, have long invested heavily in computerized transaction analysis, watching for possibly fraudulent purchases. That's why they're still okay with signature instead of PIN.
The most annoying part for me is that the EMV cards are now requiring me to sign for $10 transactions that previously did not require a signature.
While capped you are paying more per week than if you were to get a monthly or yearly season ticket on the Oyster, at least that's how I saw it when I did the maths for my new commute.
No, there's just one question being answered. You clearly represented that Samsung's reported greater availability was having an impact because its users were spending slightly more. Assuming that figure is correct, it's a clearly erroneous statement since the number of transactions by Apple users is vastly higher; despite the greater alleged ubiquity of Samsung . Indeed, the opposite inference to yours should have been drawn, i.e., despite greater availability of Samsung Pay and Android users, Apple Pay use is exponentially higher. Since you're obviously intelligent, you might examine how your bias might have led you to such a logical error.
Ok. That explains Publix, because even though they knew NFC was coming they bought a bunch of new non-NFC terminals in the last year anyway. Dumb if you ask me, the savings is trivial for a company of Publix's size.
yup! the Chip+Pin really isn't bad. it's really quick, at least in Canada, I find it takes very little time at all. I use it for all purchases over $100 still. But smaller purchases. I've been Tapping for years! just about every retailer has had CHIP+PIN here for a decade or more and NFC for 5+ years. this has allowed Apple Pay to be used just about anywhere in Canada.
Its so weird to see how far behind the US has been on adoption of modern Chip cards, or contactless payment.
I'm not sure that the terminals Publix installed in the past year aren't NFC-capable. They look the same as other terminals I've used Apple Pay successfully with in the past. Admittedly, POS equipment is not my area of expertise so for all I know, several of the terminals could look identical but each model has different functionality.
I do know that certain features can be turned on and off on the terminals because Apple Pay worked at CVS for about a month and then all of a sudden it didn't work anymore. They didn't replace the terminals, they just disabled NFC on them.
My hope is that all the terminals Publix installed in the last year are NFC-capable and that they will one day listen to their customers and flip the NFC switch to "on".
It depends on whether you buy into the meme that Android users typically spend less than iOS users. If you believe that, then the difference is magnified
TMIW and I were talking about the impact on usage of a particular payment system, in this case, Samsung Pay. It's up most likely because it can be used almost any place.
However, now that you bring up Apple Pay, its usage is actually less than ever (as a percentage of users with AP capable devices)... because it's so hit or miss if it'll work someplace in the US.
Apple Pay is just another name for an EMV contactless transaction using some of the latest standards.
EMV does not hide the actual CC account number from the merchant. (It easily could. There have been credit cards which used a token.)
As Aristobrat noted, the primary reason for EMV was to allow offline authorization in Europe where the cost of doing it online was prohibitive for a long time. That's why it requires a PIN over there.
US banks, on the other hand, have long invested heavily in computerized transaction analysis, watching for possibly fraudulent purchases. That's why they're still okay with signature instead of PIN.
Hi
thanks for the post
Why dont Costco accept apple Pay if 'Contactless' works up to $100 - unless the wikipedia link https://en.m.wikipedia.org/wiki/Contactless_payment is wrong about Costco
I know nothing about Costco's NFC situation except what I've read on the internet.
However, here's a guess: Costco might accept only its own new Citibank Visa contactless card.
(Which makes me wonder if Apple Pay would work if you registered a Costco Visa? Hmm. It would depend on whether the terminals were set up to recognize a Costco specific account token range.)