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ApplePay is nice - so good to see the rollout at other Canadian banks.I'd take the Canadian banking infrastructure over what exists in the states - US banks are really dragging their feet ( lagging on chip and pin, NFC payments etc )....

You're right about that, speaking as someone down in the lower 50. Here in the states, the U.S. banks get $0.07 more per signature transaction than for a PIN verified transaction - that's why Chip and PIN didn't happen in the U.S. (despite the better security of PIN). Looking at that, I doubt the U.S. will ever get Chip & PIN as a mainstream requirement.
 
That's great news - now if I can finally receive my iPhone SE, I'll be able to make use of Apple Pay (been waiting 2 weeks already).
 
No mention that Capital One - Costco MasterCard has joined the modern age. Still have to use Plastic to get the CO Rebate. Have not noticed a NFC icon on the Costco card readers. Hope they can get with it soon.

Costco readers do support NFC. They allow NFC transaction up to $200.

CapitalOne Costco MC on Apple Pay is only beneficial if you use it outside Costco. I mean, it's also your membership card so you have to have it out at the register anyway...
 
Canadian here. Don't really care.
Canadian here too. Really do care. I just came back from California and even though I did have Apple Pay on my RBC mastercard I've never used it there as very few places had NFC terminals and some of those that did have them didn't have them enabled. Back in Canada is a totally different story. Apple Pay works everywhere and is really nice.
 
Scotia Bank has been in Jamaica for over 125 years and is extremely popular within the Caribbean region. I wonder if this means support for Jamaica might not be too far behind? RBC and CIBC are also two popular banks here too.

On numerous trips to Jamaica, Ive seen relatively few iPhones. Was wondering what kind of penetration the iphone has down there and what plans are offered for iPhones.
 
Cool. Just added my debit card.

Now I just need some money in my bank account.
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Yeah, 'cause Apple Pay is a matter of life or death, huh?
Really.

It's a neat feature, and I'll use it, but it's not that much more convenient than the tap-to-pay cards we have in Canada.
 
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Nice thing for the Canadians :)

I can't wait for this service to come to Mexico (and 'Nearby' in Maps and the News app).
 
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It thinks my scotia bank card is a credit card and asking for a security code and exp date... Not working for Scotia interac. Any one get it working with a security code , exp date for debit?
 
I'm curious to know the uptake rates in Canada, so I hope someone reports on them when those figures become available. Given the proliferation of tap payment with existing CCs/debit cards, I just don't see the appeal of Apple Pay in the Canadian market.

Not to generalize, but I own an iPhone 6 and would still much prefer to pay with my CC. It's just faster and less cumbersome than fiddling with a phone.
 
You're right about that, speaking as someone down in the lower 50. Here in the states, the U.S. banks get $0.07 more per signature transaction than for a PIN verified transaction - that's why Chip and PIN didn't happen in the U.S. (despite the better security of PIN). Looking at that, I doubt the U.S. will ever get Chip & PIN as a mainstream requirement.

Interesting Post.

I have been reading these stories on Apple Pay for a while and wondering what the fuss is all about. I am in the UK and Chip and PIN has been around for ages and even longer in France where I often live / work and travel.

I do not have, or feel the need for Apple Pay, as it is as (or more) convenient to use contactless and Chip and PIN with my cards. Knowing that this is not universally available in the US makes a lot of sense now and why it may be a big deal for a lot of people and how Apple is filling this gap.

Even more shocking to know that the reasons (and I have no reason to doubt you) are cynical and strike as a bit 'Luddite'. Even mobile retailers on Market stalls in the UK and the EU have mobile chip and PIN machines!
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Scotia Bank has been in Jamaica for over 125 years and is extremely popular within the Caribbean region. I wonder if this means support for Jamaica might not be too far behind? RBC and CIBC are also two popular banks here too.

Are you hoping for Scotia Bank to support USD or JMD? My experience is that nobody wants to take JMD for reasons we both know...

I can see how having Apple Pay in Jamaica would eliviate some of those reasons. However, even if that is the case and it is rolled out in Jamaica, my experience only a few years back was that Blackberry was still king... and Samsung was the new pretender, so not sure how this would be good business for the effort and infrastructure required.
 
Just tried my BMO debit card via Apple Pay at Tim Hortons and no issues. Actually, it was quicker and (IMO) more secure than using chip and PIN.

LOL. First purchase I did this morning was also at Tims.

The security is the big issue. I like the idea of giving a big f-u to all the organized criminals skimming/scanning cards.
 
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I'm curious to know the uptake rates in Canada, so I hope someone reports on them when those figures become available. Given the proliferation of tap payment with existing CCs/debit cards, I just don't see the appeal of Apple Pay in the Canadian market.

Not to generalize, but I own an iPhone 6 and would still much prefer to pay with my CC. It's just faster and less cumbersome than fiddling with a phone.

I know a LOT of people at work who are now using Apple Pay. At first they wondered the same things everyone else does - why bother when I can tap my card? As soon as you explain the security side of things, it suddenly makes sense.
 
No mention that Capital One - Costco MasterCard has joined the modern age. Still have to use Plastic to get the CO Rebate. Have not noticed a NFC icon on the Costco card readers. Hope they can get with it soon.

I use my Rogers MC at Costco via contactless every week...no issues.

Tap = NFC incase your confused.

But correct they do not support Apple pay for their own brand MC.
 
I'm curious to know the uptake rates in Canada, so I hope someone reports on them when those figures become available. Given the proliferation of tap payment with existing CCs/debit cards, I just don't see the appeal of Apple Pay in the Canadian market.

Not to generalize, but I own an iPhone 6 and would still much prefer to pay with my CC. It's just faster and less cumbersome than fiddling with a phone.

My phone is actually more available to me than my wallet, and then my credit card. I shop at Loblaw's so I need their points card also which is on my phone. They scan my phone, they finish my order and I tap my phone to pay. My wallet stays in my pocket... or even now, my wallet stays at home. You should try it once, it doesn't cost you anything.

We are lucky in Canada that tap is so widely adopted and I think that having Interac on board is also a major advantage.
 
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Interesting Post.

I have been reading these stories on Apple Pay for a while and wondering what the fuss is all about. I am in the UK and Chip and PIN has been around for ages and even longer in France where I often live / work and travel.

I do not have, or feel the need for Apple Pay, as it is as (or more) convenient to use contactless and Chip and PIN with my cards. Knowing that this is not universally available in the US makes a lot of sense now and why it may be a big deal for a lot of people and how Apple is filling this gap.

Even more shocking to know that the reasons (and I have no reason to doubt you) are cynical and strike as a bit 'Luddite'. Even mobile retailers on Market stalls in the UK and the EU have mobile chip and PIN machines!


One of the best reasons for using Apple Pay over a regular card is that if your wallet (or just credit card) is stolen or lost, you don’t lose the ability to buy things from your iPhone or Apple Watch while waiting for your replacement card(s). When you call your bank to get your card replaced, Apple Pay is automatically updated on your devices with the new card information even before you get the new cards.
 
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BMO, Scotiabank, and TD Canada Trust, which make up three of the five largest banks in Canada, support Apple Pay starting today.

Apple-Pay-BMO-TD-Scotiabank-new.jpg

Apple Pay currently works with MasterCard and Interac at BMO, Visa and Interac at TD Canada Trust, and Visa, American Express, and Interac at Scotiabank. Eligible cards can be scanned or added manually to Apple Pay by tapping the "Add Credit or Debit Card" option in the Wallet app on iOS 8.1 or later.

All three banks are now listed as participating issuers on the Apple Pay website in Canada since May. Meanwhile, ATB Financial and Canadian Tire Bank have added support for in-app purchases with Apple Pay on compatible iPhone and iPad models, expanding upon their existing support for in-store payments.

Apple Pay is now available at all of Canada's "Big Five" banks, which collectively cover more than 90 percent of Canadian banking customers, after CIBC and RBC began supporting the iPhone-based mobile payments service three weeks ago. The banks serve over 50 million customers combined worldwide.

Scotiabank direct banking subsidiary Tangerine will also support Apple Pay in the near future, according to its Twitter account.

The next largest Canadian banks and credit unions that would be suitable Apple Pay candidates in the future include Desjardins and National Bank of Canada, the two largest financial institutions in Québec, along with Vancity and Meridian. None have been listed as "coming soon" on the Apple Canada website.

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Apple Pay can be used virtually anywhere contactless payments are already accepted in Canada, including at Apple Stores, Canadian Tire, Chapters, Coles, Indigo, London Drugs, Mark's, McDonald's, On The Go, Petro-Canada, Pizza Hut, Staples, Tim Hortons, and hundreds of other merchants nationwide.

Apple Pay support is also coming soon to Air Canada, Aldo, Domino's, Pizza Pizza, Zulily, and the TTC transit system in Toronto. Additionally, the payments service can be used in apps such as Apple, Delta, Etsy, Fancy, Groupon, Kickstarter, Priceline, Starbucks, Ticketmaster, Uber, and Zara starting in June.

Apple Pay is compatible with iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE, in addition to the Apple Watch when paired with an iPhone 5 or later, for in-store payments, while the iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3 support Apple Pay for in-app purchases only.

Apple Pay has been available for non-bank-issued American Express cardholders in Canada since last November.

Apple Pay launched in the U.S. in October 2014 and expanded to the U.K. in July 2015. The service is also available in Australia, China, and Singapore. Apple is "working rapidly" to expand Apple Pay to additional regions, including Hong Kong and Spain and possibly France, Brazil, Japan, and elsewhere in Asia and Europe.

Article Link: BMO, Scotiabank, and TD Canada Trust Launch Apple Pay in Canada
[doublepost=1464790844][/doublepost]And I'm still waiting for Apple Pay to hit one of the largest banks in the world, Santander in the US.
 
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