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These are the key points that many on MR don't/won't acknowledge.

The iPhone 6 series phones have been out for almost two years. The iPhone 7 will obviously include Apple Pay support too. The iPhone SE supports Apple Pay.

Anyone who doesn't have one of those phones is paying more money for the cost of the phone than they should have paid. People don't want to dumb themselves down to think from the average user's perspective... It's just the way it is. Nobody wants to act like they're more ignorant about something than they actually are. ]

Most iPhones today should support Apple Pay now that 3 different series, soon 4 will support the service.

Also, most Android phones support Android Pay too.
 
ApplePay coming to Scotiabank early next week.

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Was waiting to meet my business bank manager when I saw this update. Showed it to him and he said that they're ready to go. Might even go live today but he said more likely that they'll wait until after the weekend.
 
How about bringing Apple Pay to the U.S.? I'm being facetious, but deployment here is still limited. Some of the retailers shown on Apple's Apple Pay page don't fully support it. For example, Chevron has been listed for more than a year, but I've yet to find a gas station that actually has it at the pump. And at Subway, the terminals are often inaccessible.

Vote with your wallet. Write Subway's and Chevron's CEO and tell him/her that you will take your business elsewhere unless they better roll-out ApplePay, and/or make it more accessible. Will you do that?
 
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Vote with your wallet. Write Subway's and Chevron's CEO and tell him/her that you will take your business elsewhere unless they better roll-out ApplePay, and/or make it more accessible. Will you do that?
Voting with your wallet only works when you have another option. For example, the grocery stores in my area are Kroger, Publix, and Walmart. None of them take Apple Pay. I'd be very inclined to switch if one of them decided to start taking it, but that doesn't seem to be on the horizon for any of them.
 
I'm not saying Apple should have launched a service in 2013, but instead had devices, with touch id, ready to accept the new service in the future. SE only launched this year bringing NFC to compact Apple phones. Wasted opportunity really.

Touch-ID was available in the iPhone 5S in 2013.
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Voting with your wallet only works when you have another option. For example, the grocery stores in my area are Kroger, Publix, and Walmart. None of them take Apple Pay. I'd be very inclined to switch if one of them decided to start taking it, but that doesn't seem to be on the horizon for any of them.


You can still write their CEOs and encourage them. Will you do that?
 
Apple went about the release of Apple Pay incorrectly, in my opinion. They should've released it pretty quickly to countries that already have the widespread infrastructure in place to support NFC payments.

I think Apple thought they would be able to jumpstart a dramatic shift in the way businesses accept payments in the U.S. Unfortunately, that simply hasn't panned out yet. The infrastructure simply isn't in place for the vast majority of merchants and so many of them are dragging their feet on implementation.
 
The moment you realize you are in the minority it will become readily apparent why the uptake isn't as much as some would like. The majority of people don't have iPhones. A significant portion of those who do, can't use the feature. A lot of retailers don't want to invest in new terminals because their customers continue to buy anyway. A huge swath of the population is just getting used to chipped cards.

I'd love for both APays (Apple and Android) to be more accepted but beyond early adopters, nobody really cares that much. Neither retailers nor customers.

In America...

I want that in my country, and that's what this article is about.
 
Touch-ID was available in the iPhone 5S in 2013.
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You can still write their CEOs and encourage them. Will you do that?
That's what I said earlier, touch id was available on iPhone 5s in 2013, NFC should have been integrated into that model ready to go when Apple Pay was launched the following year.
 
Apple Pay is in Canada but not if you try to register a Capital One / Costco MasterCard. Capital One / Costco does not yet support Apple Pay and don't seem to have any plans to do so. On the other hand Canadian Tire MasterCard works fine with Apple Pay at BC Liquor, Princess Auto, and other fine stores.
 
I think ApplePay is a fantastic method of payment, but I don't use it, and I have an iPhone and Apple watch! Why? Not because it isn't adopted by enough banks or in enough countries, it's because it's not in enough businesses. ApplePay doesn't have the traction it should because it's not accepted or possible in the majority of businesses people frequent.

Apple needs to spend some time helping medium and smaller businesses and mom & pop shops adopt it. They need a website with information on how to implement ApplePay in your local business and a campaign to let business owners know about it. What hardware to buy, how it works, etc.

That's fine I can use ApplePay at McDonalds and Walgreen's, but until I can use it at the local sub shop, gas station, or hardware store, it's not going to be my go-to method of payment.
 
I don't see Germany getting this any time soon unfortunately. ... The amount of people who love paying in cash and searching for every last penny to pay EXACTLY the amount the cashier asked for is way too high.

Especially old people... its just a pain in the a**. My nana who is 87 will turn 88 at the register - I bet she will, because thats how long it takes her to get her pennies together.
So true.
God damn I hate my fellow Germans. Everything that has to do with technology they are 5-10 years behind. Always.
Up until iPad 3 people gave me the frowny face when they say it. Tablets were useless and not needed and blah.
Then all of a sudden... tablets are a good idea, when 5mins earlier they were not.
Same with Smartphones. Online banking. Electric cars....
 
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In America...

I want that in my country, and that's what this article is about.
What in my post leads you to believe I wasn't talking about America? To remove confusion, my post is specifically about America. This should have been the biggest clue: "A lot of retailers don't want to invest in new terminals because their customers continue to buy anyway. A huge swath of the population is just getting used to chipped cards."
 
I often wonder why Apple only does small bits here and there in a country, then later comes back and finishes it off ?

If Apple pay is gonna roll out, of course u would do it all up front in the U.S, but if its only staged rollouts and even then that's here and there even if available, depends what bank u use in a rather slow process, we are all just "second class"

I know it takes time, when was Apple pay introduced.... and how quick did the U.S get it fully ...? Pretty quickly...
 
'd love for both APays (Apple and Android) to be more accepted but beyond early adopters, nobody really cares that much. Neither retailers nor customers.

About the NFC part.

I've said it before but in-app use of Apple/Android Pay is going to be far more compelling for both consumers and retailers, especially if stuff like "mobile only" checkout becomes more common. Not having to wait in line to pay saves customers way more time than the 2-3 seconds from tapping a phone, while retailers can cut down on staffing costs. It's already happening with Panera's mobile ordering function and the scan and pay part of the Apple Store app.
 
Contracts in the banking business are very complex, in part to fight money laundering. It's a big beast to attack all at once, and Apple will spend its investment cash where there is more than a reasonable opportunity for return.
 
I don't see Germany getting this any time soon unfortunately. ... The amount of people who love paying in cash and searching for every last penny to pay EXACTLY the amount the cashier asked for is way too high.

Especially old people... its just a pain in the a**. My nana who is 87 will turn 88 at the register - I bet she will, because thats how long it takes her to get her pennies together.
THIS. I live in Munich, Germany and I hate it. HATE IT. Now I'm the first time in my life in the USA and here I can pay 2 bucks with credit card. Wtf. A dream.
 
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THIS. I live in Munich, Germany and I hate it. HATE IT. Now I'm the first time in my live in the USA and here I can pay 2 bucks with credit card. Wtf. A dream.

Try living in Canada where places have tap and go credit cards, or the EMV chip that's read everywhere. What would that be considered if the American was "your dream"? :cool:
 
Smaller businesses probably will not like you doing that and will charge you extra, but that might be a worthwhile cost vs. dealing with cash.

If you want to see an absolute true culture of credit card use, make a visit to Sweden - there ain't nothing they don't charge on their cards.
 
What in my post leads you to believe I wasn't talking about America? To remove confusion, my post is specifically about America. This should have been the biggest clue: "A lot of retailers don't want to invest in new terminals because their customers continue to buy anyway. A huge swath of the population is just getting used to chipped cards."

This article is about to "more countries", not America.
 
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