This happened to me too, but if you look at your Scotia card on the back, it has an expiration date and the security code. Punch those in and your card will be added to the wallet — after you verify it on the Scotia app.
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BMO, Scotiabank, and TD Canada Trust Launch Apple Pay in Canada
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This happened to me too, but if you look at your Scotia card on the back, it has an expiration date and the security code. Punch those in and your card will be added to the wallet — after you verify it on the Scotia app.
Now the only thing Canadians (and the rest of the world) are waiting for, is MacRumors to make contests available to them. 
Finally TD Visa support for Apple Pay. This is the excuse I've been waiting for to replace my 5S.
Got my visa added easily enough (took it from my itunes account and was basically setup)... However, I'm having issues adding my TD Debit card. I click on the plus on the apple pay section, it does seem to read my card (its a bit worn), so I try to enter manually, but it looks like its setup for credit card length numbers rathern then debit... Seems like peopel have added the TD debit (or Access card i guess its called) Can anyone let me know how they did it? Thanks.
Well, Scotia also supports US and Canadian accounts too. I had a US account a couple years ago which I used abroad at Bank of America locations. Blackberry is dead in Jamaica, Samsung is indeed the king of mobile in Jamaica, even amongst feature phones. The Galaxy brand pervasive though.
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Small but loyal base. Check out the Jamaica Apple User Group on Facebook.
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5 cents more, and only with debit cards at Walmart. Credit cards cost the same regardless of the authentication method.
Basically, Walmart wants to force people to run debit cards as debit (by getting rid of the "credit" option at the checkout) despite whatever fees customers' banks charge for that, just so they can save a few cents. As it always turns out, the reality is more complicated than "Visa is forcing insecure card transactions to make more money". IMO until banks stop charging their customers every time they use a debit card, I'm not for that at all.
Not necessarily true, or it may depend on the bank or credit card.
Two weeks ago I had a fraudulent charge on my card. They detected the charge and called me, and we went ahead and replaced the card. I was to get it in the mail the next day. That evening I went to Whole Foods and tried to see if Apply Pay would work; it got declined. When I looked at the Apple Pay settings for the card, it had its device ID but also the last 4 digits of the associated card that was to be replaced. When I got the new card in the mail the next day I deleted the old Apple Pay card and replaced it with a new one.
Except, I don't believe it is true: at least the way the OP presented it.
In the US, debit card transactions authorized by a PIN have a low transaction cost - by law. Credit card transactions have a higher transaction cost. Debit cards transactions without a PIN are treated as credit transactions.
The fee difference reflects the amount of risk to the bank: a debit transaction requires available FUNDS already deposited in the account. Legally, the buyer also has less protection from fraud.
I would have to look at the law, but I don't believe adding a PIN to a credit card would make it subject to the lower fee.
The reason the US isn't using chip and PIN is the merchants: it would require replacement of point of sale systems. Restaurants in particular can't bring a mobile terminal to the table to complete the transaction. In time, it may happen, but not soon.
TD has replaced their TD access cards with TD Visa Debit Cards, so you will have to get an updated card in order to use it with Apple Pay
Except stores have to replace their equipment anyway for chip, and they're mostly getting stuff that can do PIN too. ("Mostly" because there are a lot of stores out there that use stuff like Square, which can't ask for a PIN at all.) Restaurants don't seem to really want to upgrade at all, hence why Chili's new Apple Pay supporting Ziosks apparently have no chip slot.
To me, it seems more like banks think that PIN won't help all that much with fraud. Most people realize they lost their cards quickly and can quickly deactivate them, whether it's by phone or through the bank's mobile app, so there's a fairly small window in which PIN would actually help. Which is why they seem to be doing the "adopt chip and signature and push hard for contactless/mobile payments" strategy.
Yep. I was choked at the first couple of banks opening up to Apple Pay and PC Financial not being one of them. But this is a real kick in the crotch.
We use our PC Financial Mastercard for every single transaction - and earned $1900 in free groceries for it last year. So I'm not ready to give that up just to get Apple Pay since our benefits from the card use are huge. But what an incredible irritant that they wouldn't just go for it. They're a branchless institution administered by CIBC, so what is the hold up? Keeping my fingers crossed that they see the light and soon.
Interesting. It must depend on the bank or card, then, because I just a coworker tell me it worked for him.
Great. But at least in NYC we still need many more places that accept wireless tap and pay. With the exception of cabs, I can easily go weeks without going to a place that accepts it. That is except my local bodega. They accept Apple Pay. But you have to tell them at check out and then they make you sign a receipt. This slows things down and basically defeats the purpose.
Yes it worked for both my credit and debit cards. Debit card took much longer to activate
Yeah, Apple Pay is not great in the US. Here in Canada, though, it works at 99% of the places I shop.
I wonder how VISA Debit is going to work when/if implemented. I'm guessing they plan to add it.
I noticed that my TD card says TD Access Card - Interac Debit. Which leads me to believe that it may be a "separate card" to add it as VISA Debit, which would then show up as TD Access Card - VISA Debit. And you'd have to choose one?
Unless they figure out how to automate selection based on the terminal or something.
I noticed that my TD card says TD Access Card - Interac Debit. Which leads me to believe that it may be a "separate card" to add it as VISA Debit, which would then show up as TD Access Card - VISA Debit. And you'd have to choose one?
Unless they figure out how to automate selection based on the terminal or something.
Haha, I went to Tim's as well with the added bonus that it's CampDay.
Great announcement, I don't have an iPhone but I'm glad that I'll be able to use Apple Pay if I get one. Meanwhile the users of Desjardins "bank" are crying in the corner
En effet, en attente de Desjardins depuis longgggggtemps
I never lose my cards, yet had my wallet stolen once a long time ago. Replacement cards from my bank are guaranteed to come the next day, Apple store appointments for lost / damaged iPhones are not guaranteed next day. I know....
Also, there are other ways to get by in the situation of losing your debit cards other than Apple Pay if you own an iPhone.
Therefore, I remain unconvinced.
Convenience. I don't carry my rewards cards. AAMOF, in a number of instances, the rewards cards are in my wife's name. She carries them. But they are on my phone. So I need to take my phone out for that anyway. Might as well use it to pay. And Apple Watch payment. Nothing to take out.
