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As an audio and musician guy, i wonder how many "ding" sound they listened and made before they decided to pick this one which you use with Apple Pay.

It's just perfect sound, gentle, stylish and elegant. Not too silent not too loud, it's very satisfying sound.

And yet, this is the same company that only recently replaced the obnoxious FaceTime ringing sound for the caller - from something high-pitched and absolutely ear-shattering, to something just...OK. At least I don’t have to turn the volume down while it rings anymore.

Voila. The frustration of Apple. Part incredible and part what-on-earth?
 



Apple today shared a new iPhone X video on its YouTube channel, which is designed to highlight Apple Pay payments approved with Face ID.

Called "Fly Market," the video is set to the song "Back Pocket" by Vulfpeck. It features a man dancing through an open air market making purchases with just a look. Every item he looks at flies onto his body like magic.


Apple Pay on iPhone X is unique because purchases are approved with Face ID rather than Touch ID. Making a purchase is as simple as looking at the iPhone to unlock it using facial recognition, and then clicking twice on the Side button.

"Fly Market" is the second video Apple has released in recent weeks showing off Face ID on the iPhone X. The first video, "Unlock," was done in the same vein, with Face ID on the iPhone X causing everything in the surrounding area to unlock.

Article Link: Apple Shares New 'Fly Market' iPhone X Video Focusing on Apple Pay
Does Apple dislike using white men in its advertising?
 
I don’t understand why Apple hasn’t pushed this more?

out of APple's control.

as rich as Apple is, they don't control the financial industry and have very little power in it.

in the US, American financial institutions are frankly, cheap. They do as little possible to upgrade and update systems and hardware and refuse regulations against them. They're a disjointed mess of thousands of little FI's all competing to the bottom.

rolling out terminals to support chip and pin or NFC technologies costs them money, regardless of how convenient the technology is.

UNlike the rest of the world's banks who tend to have far more scrutiny and regulations. Canadian FI's have HAD to roll out chip and pin for almost 2 decades now. There's constant push by regulatory bodies for the FI's to keep up to date on technology and security.

we've essentially had CHIP and Pin and NFC terminals everywhere because of it for over a decade. There is almost nowhere I can't use NFC based payments (either phone or in my card itself). From the gas stations, to food, to even my local convenience stores. I haven't used cash in months. I haven't actually used my physical card in weeks.

the only place it ever seems to not work is Popeye's Chicken... they claim to accept it yet, my NFC tap always fails there. I think it's just an operator problem
 
As an audio and musician guy, i wonder how many "ding" sound they listened and made before they decided to pick this one which you use with Apple Pay.

It's just perfect sound, gentle, stylish and elegant. Not too silent not too loud, it's very satisfying sound.

they heard ONE. it was the stock ding sound that apple pay made on the X. do you really think apple would let them use any other ding for their apple pay? apple prolly have a patent on the ding sound too. "audio and music guy", lol, get a load of this kid
 
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Waiting for ApplePay in the Netherlands until now takes 1.000.000x longer than sliding my bank card out of my pocket
 
Apple Pay: So much potential, little use.
Don't get me wrong, I love it. It's just that I'm limited to using it at McDonalds, Chic Fil A, Panera's, Penneys, Kohls and a a few other places. It's not at Target. It's not any local grocery stores in my area. They aren't bring a reader to my table at restaurants. I rarely find it on websites.
Blame Target, Walmart, CVS, etc. for intentionally disabling NFC payments.

Restaurants in the US probably won't ever adopt the idea of bringing readers to your table - we think it's incredibly tacky. It might be practical but when I'm at a fancy restaurant in Europe and they bring a clunky plastic box to my table for me to pay it kind of kills the experience.

Works great for fast-casual places though, which are becoming more and more popular. And online I consider it totally unnecessary - it takes more steps than an automatic form filler.
 
Blame Target, Walmart, CVS, etc. for intentionally disabling NFC payments.

Restaurants in the US probably won't ever adopt the idea of bringing readers to your table - we think it's incredibly tacky. It might be practical but when I'm at a fancy restaurant in Europe and they bring a clunky plastic box to my table for me to pay it kind of kills the experience.

Works great for fast-casual places though, which are becoming more and more popular. And online I consider it totally unnecessary - it takes more steps than an automatic form filler.

At least some of the holdouts very likely didn't intentionally disable it. Unlike in a lot of other countries, American merchants actually have to do extra stuff on their end on top of whatever they did for EMV (up to and including actual software development) to enable NFC. If customers aren't demanding it, they aren't going to feel especially compelled to do that work--especially since many of those merchants are already not fans of Visa/MC. At least not doing EMV had a financial consequence for merchants.

IMO, the banks and networks failed big time during the EMV migration by not compelling merchants to move to more standardized terminals using software the banks (not the merchants) control. They additionally compounded that failure by making physical chip cards easier to use than mobile payment (mainly by getting rid of the signature requirement entirely and pushing Quick Chip) and not imposing the same contactless payment mandate that they're already imposing elsewhere.

Honestly, I wouldn't be surprised if we eventually give up on NFC. It already seems to be going in that direction thanks to Clover's latest Station not having customer-facing EMV readers--not to mention Visa/UnionPay's (and now EMVco's) QR code standard being a thing.
 
I laughed because that is AppleCharge...he still needs to pay for those things when he gets his credit card bill
 
The video makes you want to have the same kind of experience, but you should know that many French banks do not support Apple Pay, which is damage for their customers and the faithful Apple ...


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samsung galaxy note 9 iphone 9
 
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At least some of the holdouts very likely didn't intentionally disable it. Unlike in a lot of other countries, American merchants actually have to do extra stuff on their end on top of whatever they did for EMV (up to and including actual software development) to enable NFC. If customers aren't demanding it, they aren't going to feel especially compelled to do that work--especially since many of those merchants are already not fans of Visa/MC. At least not doing EMV had a financial consequence for merchants.

IMO, the banks and networks failed big time during the EMV migration by not compelling merchants to move to more standardized terminals using software the banks (not the merchants) control. They additionally compounded that failure by making physical chip cards easier to use than mobile payment (mainly by getting rid of the signature requirement entirely and pushing Quick Chip) and not imposing the same contactless payment mandate that they're already imposing elsewhere.

Honestly, I wouldn't be surprised if we eventually give up on NFC. It already seems to be going in that direction thanks to Clover's latest Station not having customer-facing EMV readers--not to mention Visa/UnionPay's (and now EMVco's) QR code standard being a thing.
CVS and Rite-Aid initially had functional NFC terminals at many of their stores that they disabled at a later date.

https://www.forbes.com/sites/paular...rite-aid-turn-off-apple-pay-why/#2b365b0917ea

I've seen NFC terminals at Walmart and Target before that were eventually replaced with non-NFC versions. Most of the stores involved think they are big enough that they can push people to using low-merchant-fee debit cards under their own mobile payment systems instead of continuing to pay credit card fees, even though CurrentC fell through. The most irritating of them all for me is Publix, since I live in Florida and shop there regularly.
 
Walmart and CVS both initially had functional NFC terminals at many of their stores that they disabled at a later date. I haven't been to Target in some time.

https://9to5mac.com/2014/10/25/cvs-...t-off-apple-pay-support-in-favor-of-currentc/

Oh there are definitely some that fall in that category. Keep in mind though that there are a lot of holdouts that were never part of MCX in the first place that still haven't enabled it; if it was a simple switch to flip they likely would have by now.
 
Oh there are definitely some that fall in that category. Keep in mind though that there are a lot of holdouts that were never part of MCX in the first place that still haven't enabled it; if it was a simple switch to flip they likely would have by now.
The argument being that for CVS and Rite-Aid it IS a simple switch flip, but they still refuse to do it because they want people to use their own underwhelming platforms in an attempt to pay less credit card merchant fees and mine customer data.

It's these big vendors refusing to support it that are killing NFC, not the banks or consumers or small businesses. I have a small brick and mortar business myself and from the few credit card merchant accounts I looked at, all of their terminals support NFC as standard - and that was 3 years ago. You have to go out of your way to find a new (contract included) terminal that doesn't support NFC in the US, which is exactly what Target/Walmart/Publix/etc have done. When they were forced to switch to EMV terminals in 2016 they had them built explicitly without NFC support.
 
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The argument being that for CVS and Rite-Aid it IS a simple switch flip, but they still refuse to do it because they want people to use their own underwhelming platforms in an attempt to pay less credit card merchant fees and mine customer data.

It's these big vendors refusing to support it that are killing NFC, not the banks or consumers or small businesses. I have a small brick and mortar business myself and from the few credit card merchant accounts I looked at, all of their terminals support NFC as standard - and that was 3 years ago. You have to go out of your way to find a new (contract included) terminal that doesn't support NFC in the US, which is exactly what Target/Walmart/Publix/etc have done. When they were forced to switch to EMV terminals in 2016 they had them built explicitly without NFC support.

Rite-Aid has had NFC support for a couple of years now. I believe they enabled it right when chip got enabled.

Anyway, Rite-Aid getting NFC immediately after EMV doesn't imply that it's a simple flip of the switch. In fact, many larger merchants enabled NFC a significant amount of time after EMV. Safeway, for instance, had EMV for at least a year and only enabled NFC a couple of months ago--and weren't actively against Apple/the card networks (that I know of, anyway). Even then, it's a bit flaky, implying that the software they're using is different than the software in use elsewhere. BTW, they're using the same terminals that others that don't have it enabled are using; it's very unlikely Verifone and Ingenico had Target and Walmart-specific terminals built for Target and Walmart, for example.

Anyway, the point is that the lack of merchant adoption is not solely because of "data collection" or some hatred for credit cards in general but due to a variety of factors (including requiring enough development/certification effort that it's not worthwhile for some merchants barring customer demand).

(On that note, I don't think contactless payment will ever be a thing in the US like it is elsewhere. Even if 100% of merchant terminals had it enabled, there is enough of a culture of "handing cards over" that is resistant to change such that real-world acceptance will always be significantly lower. Very few restaurants will support it, for example--not to mention the many terminals at smaller businesses that are obviously supposed to be customer facing that...aren't.)
 
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