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BMO, Scotiabank, and TD Canada Trust Launch Apple Pay in Canada
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I guess it depends in which market you live in. I'm in Toronto and months have gone by since I've had to insert my chip card in a terminal. I've been using AMEX ApplePay or tapping my debit card — never inserting it since some time late last year.
Moneris and GlobalSolutions have been very good at swapping their vendors' terminals to ones with NFC that the only time I've encountered a terminal that didn't accept tap was because the vendor disabled it. I've only come across one instance of that at a Hero Burger where they taped a NO TAP!!! Post-It note to the terminal. Well, I just stopped going there.
I don't make it a habit of carrying my health card with me, even when I still carried a wallet. If there's an emergency, they'll still treat you and you can present your OHIP card later. In the once or twice a year that I plan on going to a doctor, I'll remember to take the card with me. I'm not going to carry a wallet 365 days a year for the once or twice that I need the card. It's safe at home where it won't get lost.
Additionally, my iPhone is set up with a Medical ID, something I didn't know existed until my EMS friend told me that they check it on unconscious patients' phones if they're not already wearing a medical emergency bracelet. He said that most people don't have it set up but that he's been finding its use more prevalent. Along with my emergency contacts, instructions for someone to go check on my dog and any medications I may be taking, I've written my OHIP number so a medical worker can pull it up in case of needed care.
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I'm gonna miss that. The reaction to paying with my Apple Watch has ranged from surprise to delight to confusion to suspicion. Now that it's set to become widespread, those reactions are sadly going to stop.
The best one was during Christmas shopping where I paid for $300 worth of stuff at Toys 'R' Us with my iPhone. It was so quick that the teenage cashier didn't see what had happened and looked at the register processing the payment then looked at my empty hands, no credit card in sight, then the following interaction:
- What did you do?
I paid with my iPhone
- ... How? You can't do that.
It's paid. Look at your register.
- But... you didn't use money.
Yes I did. It's ApplePay.
- I have to call my manager.
I looked behind me and there's a lineup of rushed Christmas shoppers being made to wait for no reason so I picked up my bags, ripped off my receipt and left to the protest of the kid behind the cash. If anything, my transaction would have been faster than getting out a card, punching in a PIN and waiting for it to process but the novelty of the whole thing created a big mess of confusion as I walked away.
It's been a fun year.
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