Nope, because Apple Pay is a PIA. It's not all on apple but just general ignorance starting with the cashier. Now if apple pay was accepted nearly everywhere and was more common, then no problem. But it's not and I'm not going to go the extra mile to use it unless there's an incentive. Extra security or privacy aint it. Money talks. Apple understands that part. They require their margin, i require mine. Apple needs to pay me to use it.
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Apple Says 35% of U.S. Merchants Accept Apple Pay
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Nope, because Apple Pay is a PIA. It's not all on apple but just general ignorance starting with the cashier. Now if apple pay was accepted nearly everywhere and was more common, then no problem. But it's not and I'm not going to go the extra mile to use it unless there's an incentive. Extra security or privacy aint it. Money talks. Apple understands that part. They require their margin, i require mine. Apple needs to pay me to use it.
Hi
Thanks for the reply.
Costco a very succesful company shooting themselves in the foot not allowing $100.00 on apple pay - madness, sheer madness.
I'm an Apple Pay user and fan. I guess you are saying we share the same bias. I certainly did not represent that Samsung is having the greater impact. You inferred incorrectly.
No, I found it interesting that an obviously intelligent person twice was found to have made obviously erroneous pejorative claims about Apple. Just because you use a product doesn't mean you don't have an axe to grind.
I think the best way forward would be some universal pay system that's not tied to any one platform. It would be available on all mobile devices and also available as a card-like device with a NFC chip. Eventually forcing all merchants to accept this universal contactless pay system.
Curiosity. What makes you think I am disillusioned with Apple Pay? I mean, nothing in my quote is remotely critical of Apple pay or any NFC payment option. I have no issues with any of the payment options. They all have pluses and minuses depending on customer preferences. I've used NFC and EMV and haven't had an issue with either.
Still curious though. Did you confuse my criticism of hardship narratives with a criticism of NFC?
I will gladly remunerate you as soon as you settle the pending litigation of violating my trademarks on individual characters in the alphabet. What litigation you ask?
/djlithium's door bell rings in 3, 2...
Payment only acceptable via CurrentC or Walmart Pay.
That Apple Watch only prospered because iOS was a closed system that the other phones and trackers couldn't access and that Samsung Pay was having a bigger impact because it was reportedly more available.
Are you ok? Take your medicine bud.. I got credit card companies lining up to offer me discounts. Apple can get in line behind them. I know that's a difficult concept for the typical millennium person on here who uses a debit card and pays out the nose for a carrier plan took out 40k in student loans, for a crap job, etc..
I'm still good with credit cards, as I don't have plans to purchase a $400 to $970 iPhone anytime soon.
I really like apple pay but I haven't found many places to use it and no I don't live in a small town I live in NYC. I actually found smaller cities and towns to have better mobile pay support. They really need to figure out the service samsung pay is using, it makes the whole mobile payments thing so much easier.
This is a common misconception that EMV and NFC are different things - they are not. EMV is the technology used to process payments. It can be implemented over a contact interface (inserting the card), or a contactless/NFC interface (tapping the card, payment tag, mobile device etc.).
Apple Pay is simply an implementation of contactless EMV.
The payment kernels from each of the major payment networks that process contactless transactions (each has its own kernel as the transaction flow differs slightly) can support two processing paths or mode:
- EMV Mode - in which the transaction process follows a similar flow as inserting an EMV card, and the same type of data is transmitted to the issuer for verification. It also supports things like offline data authentication, offline authroisation, and cardholder verification. On mobile devices, cardholder verification can performed on the device (such as using Touch ID or your passcode in Apple Pay).
- Magnetic Stripe Data (MSD) Mode - a legacy mode in which the transaction process and resulting data emulates a swipe transaction and does not include the extra EMV data elements.
Most contactless/NFC transactions outside of the US run in EMV Mode. Within the US, unfortunately most terminals while capable of EMV Mode, are only setup to run in MSD Mode (and in many cases even if the merchant processes EMV transactions when inserting the card, they still can only run contactless in MSD mode - actually a contravention of VISA's own acceptance rules but that's a separate discussion).
Apple Pay can support both EMV Mode and MSD Mode transactions, but implementation varies by the card type and the country. For example, US VISA cards support both in Apple Pay, whereas Canadian VISA cards in Apple Pay only support EMV Mode. This means that a Canadian travelling to the US with a VISA card in Apple Pay will have it fail at many places presently.
It's coming.
In Canada, the tip amount is required to be included in the total authorisation amount so the total has to be known prior to tapping.
When the wireless terminals were first deployed, most models at the time did not support contactless, so the programming logic was like this:
- Enter purchase amount, insert card, confirm total, add tip, enter PIN, remove card.
The newer terminals do support contactless, but the initial software followed the same flow and if you tapped a card, it would not prompt for a tip. The software is slowly being updated to prompt for the tip before asking you to insert/tap the card, so this will fix that issue.
Yes, it is "broken" at many places. Many US merchants, especially large merchants wanted to continue to fully integrate their payment processing into their POS. It is not the PIN pads themselves which are slow, but the often crappy and rushed software, customised payment applications on the terminals, and communication between the two that has resulted in the poor user experience. In other countries, merchants have often taken a less integrated approach either using standalone terminals, or using some level of semi-integration with abstracts the payment processing from the actual POS and results in a much better user experience.
While I wouldn't necessarily trust the word of a front-line grocery store employee, and while it is true that Apple Pay specifically does not cost a merchant more, it is certainly possible for contactless transactions in general to have a higher cost to the merchant depending on their agreement with their merchant provider.
The US needs to adopt EMV Mode at its contactless terminals to fully take advantage of Touch ID as a verification method. Otherwise, be used to signing sometimes as its not different than a swipe transaction.
I think it is more likely you will see EMV (contact and contactless/NFC) come at the same time at Costco. If they actually spend the time to optimise their software (or move to a semi-integrated processing model like Costco Canada uses), there should not be issues with processing time of transactions. Walgreens is a perfect example of a US merchant using a fully integrated processing system that has managed to deliver very quick EMV processing.
Just because Costco ties a transaction to a membership does not mean they do not receive EMV liability shift related chargebacks - they absolutely can and very likely are. And there is no recourse for these. They need to enable contact EMV on the terminals for this.
And enabling both contact and contactless EMV transactions qualifies them for VISA's Transaction Innovation Program which reduces some PCI compliance requirements and will actually save them money.
The merchant can be liable for not properly verifying a signature if a chargeback occurs, and the transaction is above certain limits (in the US for example, above $25/50 for VISA depending on the merchant category). Merchants actually should prefer PIN or cardholder device verification as it removes the requirement for a human to be part of the verification process.
Most cards issued in the US currently do not support contactless. This may change in the future (or not).
Hi
Fortunately in the UK ALL contactless terminals accept apple pay up to £30.00 and most retailers seem to have contactless now (even Tesco have rolled out through out UK - eventually!)
Contactless payments is up 200% since last year here.
I just ask the cashier "can I pay by contactless please" I never say "can I pay by apple pay please".
Thanks a lot for the explanation! It's good to know it's possible to reconfigure the terminals to do this but of course, making small businesses, particularly restaurants, actually go through the trouble is a different thing. In my observation they are usually the last to implement new tech. Even if it's only a software update this might take a while. If it will actually require many of them to get new terminals... My favorite crepes place has had a "no tap" sticker on their EMV terminal for a few years now. They are clearly aware that people want it (I complain every time I am there) but so far they haven't budged.
In the scheme of things, the US is a decade behind other countries when it came to moving forward with credit card payments. Quite clear to me.
Your excuse of there being more people living in the US compared to Canada is still a poor one, at best.
Learn to read. The original post you quoted clearly stated "US was late to the game."
Again, an opinion, which is meaningless.
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Just as yours is. US is a decade late to the game. And having more people in the county is still a poor excuse.
Sure. What's your point? Because of the size of the population it makes sense that it took the US a decade longer to finally move forward?