ATT store Apple pay, why even bother?

Discussion in 'iPhone' started by Viantay, Jan 12, 2016.

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  1. Viantay macrumors newbie

    Joined:
    Feb 14, 2010
    #1
    I went to the AT&T store today to sign up for the unlimited plan and DirecTV and when we got to the point that I needed to pay I told her I wanted to use Apple Pay. I held my phone over the reader and it was accepted. She then says "what are the 3 digits on the back of the card?". What? Why bother with Apple Pay if I need my card on me? When I walked in I thought "oh man I don't have my card, oh well they accept Apple Pay, good to go". Went through the whole process of setting up directv and got to the end and didn't have a way to pay....oh well. It's probably for the best, I don't really need directv.

    I mentioned to her, "why bother with Apple Pay if you want info off my card". She just said, "it's just the way our system works.

    Oh well.
     
  2. C DM, Jan 12, 2016
    Last edited: Jan 12, 2016

    C DM macrumors Westmere

    Joined:
    Oct 17, 2011
    #2
    Perhaps a store policy that hasn't been properly updated and/or an employee that wasn't following the policy properly?
     
  3. lordofthereef macrumors G4

    lordofthereef

    Joined:
    Nov 29, 2011
    Location:
    Boston, MA
    #3
    I have my back three digits memorized, but I get your point lol. Very strange.
     
  4. adamhenry macrumors 65816

    adamhenry

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    Jan 1, 2015
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    On the Beach
    #4
    Since they didn't have access to your card #, any 3 digit # would have worked.
     
  5. jetsam macrumors 6502

    Joined:
    Jul 28, 2015
    #5
    One of the main security points of Apple Pay is that the merchant doesn't get any information off your card - not even your name. You probably could have given the clerk any three digits, since she had no way to verify them, anyhow.
     
  6. cynics macrumors G3

    Joined:
    Jan 8, 2012
    #6
    I use Apple Pay very often and never needed additional information aside from a signature at times. It's the entire point of Apple Pay. Like others mentioned, next time try a random numbers.

    It's a strange request anyway. If they don't know the card info how did they know they needed 3 digital number on the back? AMEX has 4 digits, and it's on the front. Lol
     
  7. Viantay thread starter macrumors newbie

    Joined:
    Feb 14, 2010
    #7
    I'll try that if it happens again. I've never had it happen though...weird.
     
  8. titans1127 macrumors 6502a

    Joined:
    Mar 10, 2009
    #8
    Don't feel bad, I work at an ATT corporate store and when I bought my moms new phone I went to pay with Apple Pay and got a "transaction declined" error twice with 2 different cards. Wound up just swiping the physical card with no issues.

    Reasons like this is why I would never rely on Apple Pay on being my only way to pay for something.
     
  9. JohnApples macrumors 65816

    Joined:
    Mar 7, 2014
    #9
    Similar thing happened to me at Best Buy earlier (sorta).

    When they first started accepting ApplePay, it worked just as Apple advertised. Today, however, I was required to give my signature. Why? It worked perfect before. Even though I can just scribble pretty much anything, it was an unnecessary step and just wasted more time.
     
  10. maxsix Suspended

    maxsix

    Joined:
    Jun 28, 2015
    Location:
    Western Hemisphere
    #10
    Apple Pay is still hit and miss. With no advantage to stores many like AT&T just don't bother.
     
  11. C DM macrumors Westmere

    Joined:
    Oct 17, 2011
    #11
    Perhaps the amount involved? Credit cards in US still use signatures when used in person (more and more for larger vs smaller purchases).
     
  12. theonekcrow macrumors 6502a

    theonekcrow

    Joined:
    Jul 12, 2009
    Location:
    Indiana
    #12
    I have used Apple Pay at an AT&T corporate store before (purchased my wife's Surface 3 accessories with it) worked flawlessly and didn't need the 3 digit number on the back. Must have been a problem at that specific store.
     
  13. JohnApples macrumors 65816

    Joined:
    Mar 7, 2014
    #13
    You know I didn't think of that. Could be. I've bought several things there with ApplePay that were in the $50's, but this time it was something that was just over $60. Seems like a weird threshold, but maybe anything above $60 triggers the signature requirement.
     
  14. C DM macrumors Westmere

    Joined:
    Oct 17, 2011
    #14
    Yeah it seems different stores have different polices about that. Not sure why the credit card issuers can't just set some threshold like $100 so that it's across the board basically.
     

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