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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'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).
 
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.
That must be location specific, because the Whole Foods near me doesn't require you to sign Apple Pay transactions.
 
Apple pay must have virtual zero fraud, I'm amazed retailers are not falling over themselves to update their terminal.
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.
 
Clicking the Auto-Fill button in the toolbar is easier... ;)
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.

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.
 
This is what Publix said on the Facebook page this morning:
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.
 
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.
 
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.

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.
 
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.
 
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.

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.
 
So basically you're saying you missed the entire point of my post. Which was: Narrative building to make something seem good or bad depending on what you like. Like all the posts turning a 5-10 second chip transaction into a march on the Trail of Tears. Want to talk about it?
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...
 
That's still not much of a difference. I'd expect much higher than that if people were using either for anywhere close to all of their purchases.

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 :)

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!

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.

I understand apple pay and "contactless" are different -

Apple Pay is just another name for an EMV contactless transaction using some of the latest standards.

Was the reason for EMV just to hide the actual CC info from the vendor?

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.
 
Does this mean full Apple Pay support, without transaction limits, or just NFC support? I'm assuming NFC has transaction limits in the US.
 
This story personally resonated...

The EMV delay is real and super annoying. I use ApplePay whenever possible.
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.
 
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Contactless cards & Pay are capped on a daily/weekly basis when using the Tube therefore I don't think you will be paying more than you would with an Oyster card.
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.
 
I think (assuming both statistics are true--which in the age of fake news is not guaranteed) that these are two different questions being answered.

If ten Samsung Pay users spend an average of $82 and seventy-five Apple Pay users spend an average of $75, then it's Samsung $820 vs Apple $5625.

Also, Apple takes a tiny cut ($8.44) of that $5625. Samsung doesn't take a cut, as far as I know. They make money off Samsung Pay if the feature causes you to buy a Samsung phone that has the feature. I don't know if they also make money from deals with banks or credit card companies that they have partnered with.


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.
 
Also, if your shops take EMV cards now, do they not also take contactless just using the NFC in the card?
 
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.
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.
 
95% in Canada now, 94% in Canada when it launched. We've had EMV support for a while, and the cards work much better than they describe it by the way. It takes less than a second to do the beep most of the time. And it's rare you have to move it or whatever.

EDIT: I made a mistake and confused EMV with NFC contactless cards. What I mean to say is that we've had contactless here for a while. Though EMV isn't too bad, if I were to be honest.

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.
 
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.

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
 
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.)
 
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