Bank of America Glitch Causes Apple Pay Users to Be Charged Twice for Purchases [Updated]

[doelcm82]

Not unexpected to have a few glitches for such a large and complex software rollout.

What I find most interesting is that the glitch only resulted in double charges. I expect we'll never see a glitch that results in zero charges.

Don't count on it. Glitches that cause incorrect charges are serious whether the customer is being charged too much or too little, and both kinds of glitches do occur with new software. I think some B of A IT folks will be working overtime. Probably Apple, too.

 

[Nicksd84]

I'm glad my upgrade runs with the "S" cycle phones.

 

[iPadPublisher]

Seems more likely a Bank of America glitch, than Apple Pay, or Chase, Wells, etc. would be reporting the same thing.

I call unfair headline on this one.

 

[nutjob]

Apple pay glitch or Bank of America glitch. My hunch is the latter.

Exactly. Couldn't possibly be Apple. And what would BofA know about implementing credit card systems?

Tim needs to tell BofA: "You're processing it wrong."

 

[osofast240sx]

Aaaaand it begins. Can't be good for Apple's PR team... Again.

This happened to me twice but the charges have been put back no worries

 

[iSee]

The worst thing about this is the flood of "clever" posts.
Come on guys! It's been a long, long time since these were funny, clever or insightful!

(And I'm being generous here -- most of these were stupid from the start.)

PayGate.

Epic face palm.

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We've designed Apple Pay to unapologetically charge you twice for purchases so you can receive twice as many rewards points. It's rather remarkable isn't it? When you think you're paying once for a purchase but you're actually paying twice. That's the power and simplicity of Apple Pay. - Jony
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So many people would be without a job these last few months if Steve Jobs were still around.

 

[osofast240sx]

I'm really curious to see how this supposedly "broke".

My understanding was that the POS terminal queries the NFC, which uses a local security chip to generate a token which is passed to the POS terminal.

In other words, the POS terminal is the only thing filing a charge request against the card.

So how is Apple involved, at all? Does the token process require a connection to Apple and then Apple files the request to BofA? If so, and the POS people are doing the same thing, then isn't it BofA's end who is responsible for reconciling the requests?

In other words, isn't Apple Pay filing the payment through the POS terminal, and only AUTHENTICATING via Apple Pay? So the only way that double billing could happen is if BofA or the POS terminal double billed you????

(I don't have an iPhone 6 and I don't want one: this isn't pro- or anti- Apple, it's a question about how the POS part works

This only happen when I put in my pin number, if I did it as credit then no double charges.

 

[hlfway2anywhere]

"Apple Pay Glitch Causes Bank of America Customers to Be Charged Twice for Purchases"

Are the people who were charged twice not customers of Bank of America? Yes. Nowhere does it say *BIG BOLD RED LETTERS* ALL *BIG BOLD RED LETTERS*

In fact. IT EVEN SAYS

"Some Bank of America customers have been running into a serious problem"

So quit it with your sensational complaining.

I wasn't arguing semantics, nor did I say it wasn't accurate. I was pointing out that the headline was worded to sound a lot bigger than what it said, when it could've been worded differently.

 

[Ballis]

Great start. This is one of the few times Im glad the americans are guinea-pigging

 

[AlecZ]

Already?! My plan to stick with iOS 7 and avoid the new features for now seems to be working out.

 

[RaelFacio]

The Difficult Refund

"Sir. That will cost you an arm and a leg."

"No problem! I have two of each."

DoubleGate or NoGait

 

[chriscrk]

Their using it wrong

You're using "their" wrong.

 

[giantfan1224]

I'm glad my upgrade runs with the "S" cycle phones.

So you think it's a hardware issue?

 

[nutjob]

has nothing to do with Pay transactions. Please learn how Pay works people!

"Leave Apple aloooooone (uncontrollable weeping)....."

 

[thejadedmonkey]

And Watergate wasn't about illegal use of water...

They were burglarizing wrong.

 

[pdaholic]

Dat Big Mac cost how much?!?

 

[doelcm82]

I'm really curious to see how this supposedly "broke".

My understanding was that the POS terminal queries the NFC, which uses a local security chip to generate a token which is passed to the POS terminal.

In other words, the POS terminal is the only thing filing a charge request against the card.

So how is Apple involved, at all? Does the token process require a connection to Apple and then Apple files the request to BofA? If so, and the POS people are doing the same thing, then isn't it BofA's end who is responsible for reconciling the requests?

In other words, isn't Apple Pay filing the payment through the POS terminal, and only AUTHENTICATING via Apple Pay? So the only way that double billing could happen is if BofA or the POS terminal double billed you????

(I don't have an iPhone 6 and I don't want one: this isn't pro- or anti- Apple, it's a question about how the POS part works

Unlikely you'll see the bug details. Parts of the process are proprietary, and they don't want details getting out. If it's working for other banks and not for B of A, then it's probably in B of A's code. But Apple's reputation is also on the line, so they should have people ready to answer any questions B of A's IT people have about the data Apple sends.

 

[ilfn143]

PayGate.

BillGate

 

[UnfetteredMind]

MacRumors seems to have a lot of these now ...

 

[JGIGS]

Do all the Android issues disuade you from buying an Android device too? There have been hundreds in the past year.

Honestly have never noticed an issue with my nexus 5 other the odd app crash once in a blue moon but iphones do that as well at least with my experience with the Original to the iphone 4.

Apple has had much bigger issues lately. iCloud security, iCloud deleting documents, bluetooth pairing issues, now an apple pay glitch.

If you're so blinded by a love for apple not to acknowledge these are significant glitches and software testing oversights I can't help you.

 

[hlfway2anywhere]

The worst thing about this is the flood of "clever" posts.
Come on guys! It's been a long, long time since these were funny, clever or insightful!

(And I'm being generous here -- most of these were stupid from the start.)

Don't forget "you're ____ing it wrong"

 

[bawbac]

Apple Pay Glitch Causes SOME Bank of America Customers to Be Charged Twice for Purchases

I've been using Apple Pay for three days with BofA with no issues. Quit with the sensationalized bullcrap.

And your single myopic experience negates the thousands of people having issues...?

 

[nutjob]

So many people would be without a job these last few months if Steve Jobs were still around.

From high-flying stock to laughing stock in so few years.

 

[greytmom]

How is this an Apple Pay problem if it only affects BoA customers?

Used it yesterday with my Capital One card. Flawless.

 

[osofast240sx]

Great start. This is one of the few times Im glad the americans are guinea-pigging

That's a ridiculous statement everyone is FDIC insured and no one loses money what are you talking about??