ApplePay Declined at Whole Foods with Chase.

[JayLenochiniMac]

No I have never had counterfeit bills which is extremely rare. Nor have I ever been held a gunpoint. Have you? I've not known anyone whose ever been held at gunpoint either.

And if you are held at gunpoint I bet they take your whole wallet which will have your cards in it as well as your phone.

My brother is a cop and told me stolen cell phones account for over 80 percent of thefts in Sacramento.

Same here, but I know of a plenty of wallets that were pickpocketed or purses stolen and guess what were in the wallets/purses that you lose forever compared to credit cards?

 

[newellj]

No I have never had counterfeit bills which is extremely rare. Nor have I ever been held a gunpoint. Have you? I've not known anyone whose ever been held at gunpoint either.

And if you are held at gunpoint I bet they take your whole wallet which will have your cards in it as well as your phone.

My brother is a cop and told me stolen cell phones account for over 80 percent of thefts in Sacramento.

I have been robbed at knifepoint, yes.

Taking a mild turn off the thread, I wonder whether phone thefts have declined recently?

 

[JayLenochiniMac]

I have been robbed at knifepoint, yes.

Taking a mild turn off the thread, I wonder whether phone thefts have declined recently?

Yes, they have declined thanks to activation lock; however, not as much as it could've because people are still allowed to ebay activation-locked iPhones and still get pretty good money for them, and both ebay and the government are currently doing nothing about it.

 

[iososx]

This all goes back to the bank detecting an Apple Pay transaction as it would be the most secure of all.

Apple agrees with you.

Others do not.

Including some banking institutions that shall go unnamed. Don't bother asking for a link, I didn't capture one, nor am I challenging anyone, I'm simply sharing what I know to be the current situation. As time passes we'll all know more.

 

[OneMike]

If Apple Pay is the most secure form a payment on the planet ATM, wouldn't it be nice if your bank didn't decline that payment? If the banks can't tell the difference between an NFC payment and a swiped card payment then Apple Pay is essentially useless.

You're coming off like the type of person that takes things wayyyy to seriously.

Apple pay is still new. This is a Tech forum so people here address more in the know for the most part. To expect companies to be fully trained up on new Tech they is nut theirs in such a short period of time is unrealistic. Many Banks don't even know how to use all of their own products

 

[newellj]

Apple agrees with you.

Others do not.

Including some banking institutions that shall go unnamed. Don't bother asking for a link, I didn't capture one, nor am I challenging anyone, I'm simply sharing what I know to be the current situation. As time passes we'll all know more.

The amount of fraud and theft in the current US credit card system is enormous and we all pay for it indirectly. The coming chip and pin upgrade should help. Systems like ApplePay would also help (a lot). It will be interesting to see if Apple has timed this correctly to take advantage of NFC readers being included in the new POS hardware or whether they've (just barely?) missed the boat as it left the dock.

 

[AllieNeko]

WTF Chase? So, my $229 marketing purchase at Whole Foods with Apple Pay was declined by Chase. Why? Suspected fraud on the transaction??!! I mean, there can not be fraud with Apple Pay so why the hell would the bank decline this? Of course, when I use the card with the PIN number manually the transaction goes right though. Makes no sense.

Whole Foods is NOT EMV ENABLED, and I would be surprised if Chase's fraud system is setup to see Apple Pay as anything special (though it might be, I've been surprised before). Thus see it from Chase's perspective:

Apple Pay is a contactless magnetic stripe data transaction

compared to

a swipe and online PIN transaction

In any traditional sense, the latter is far more secure (though both are much worse than EMV transactions).

Declines should decrease as merchants enable EMV.

Chase could also setup their fraud system to see the Apple Pay virtual number as a lower risk, but if they've done so I wouldn't expect the behaviour you saw.

 

[viewfly]

If you have an ATM in Apple Pay, you need your fingerprint AND ATM code. Did it ask you for that? Maybe you entered your Apple passcode by mistake?