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Carrying No Wallet Only Apple Watch 3 LTE & Apple Pay
- Thread starter tbonewilly
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Just because you haven't been pulled over in 10 years, that doesn't mean you won't be today or tomorrow. If you get pulled over and you don't have your actual license on you the officer will NOT just give you a warning and allow you to just keep driving your car. The most likely outcome is that you get a ticket and your car will either get towed or you'll have to make arrangements for someone else to come get your car for you. And no, a photocopy of your drivers license isn't going to cut it.
As for just using Apple Pay for everything, I find that I can use Apple Pay maybe 25% of the time to pay for something. None of the grocery stores or gas stations in my area take it. The promise of Apple Pay is amazing, but I don't see the day yet where I don't need to bring my wallet with me when I leave the house.
I leave my purse at home a lot if I’m just going to the shops. Would love to leave my phone at home too but my carrier don’t currently support the Apple Watch 3 so I don’t have the cellar part activated.
I usually have my phone in my pocket but just going to the shops it’d be easy enough to leave my phone and bag at home. If driving, there’s no need to have a licence with me here (we get a week to provide our documents if stopped) and we don’t have to carry any ID.
I went to Costco a few weeks ago and they had an NFC "tag" (?), but it wasn't enabled so I couldn't use it. Can't wait for gas stations to start using that. Wouldn't even have to take the credit card with me (I could go inside, but don't want to do that).
The payment terminals are wireless and run on the phone network, so they bring it to your table. This is the same with food vans and coffee carts in the middle of parks, they don't need to be connected to anything to take payments.
We have several restaurants in the uk that you can pay using Apple Pay at your table.
ID aside, the payment can be an issue. There is a difference between NFC and ApplePay, as envisioned.
If a merchant accepts NFC, you can use your phone or watch, it is recorded as an subject to, a "tap" transaction. ApplePay was supposed to be interpreted as a Chip-and-PIN transaction.
The difference is two-fold. One, a NFC transaction is subject to a $$ limit and 2 There is a "rate limiter" to NFC. You can only do so many transactions or up to so much $$ before the NFC transaction will be refused and you have to do a chip-and-PIN transaction, to verify the correct owner has the CC.
If a merchant accepts NFC, you can use your phone or watch, it is recorded as an subject to, a "tap" transaction. ApplePay was supposed to be interpreted as a Chip-and-PIN transaction.
The difference is two-fold. One, a NFC transaction is subject to a $$ limit and 2 There is a "rate limiter" to NFC. You can only do so many transactions or up to so much $$ before the NFC transaction will be refused and you have to do a chip-and-PIN transaction, to verify the correct owner has the CC.
I probably am able to now use Apple Pay at maybe 50%+ of stores I frequent but there is NO WAY I could go out with a wallet with ID & credit cards, that's just not realistic in the USA in 2018 IMHO. I suspect there will be a point in the future that will change but it isn't yet.
I could get by Monday through Friday at work - they support Apple Pay. But on the weekends and restaurants, I could not. Plus I would need my drivers license for driving purposes. Plus I travel for work, so not sure everywhere I go supports it. Especially internationally.
I expect the drivers license to be the LAST card to go digital. Because, government.
I expect the drivers license to be the LAST card to go digital. Because, government.
I am curious, what is the reason behind limiting the transaction amount?
All places limit NFC transaction amounts. There is a default from the card that can be overridden by the merchant. Costco, for example has a higher limit. There is also usually a limit on the number of consecutive NFC transactions that can be done before a chip transaction is required.
True ApplePay is supposed to be handled like a Chip-and-PIN transaction. Most places may support NFC but not ApplePay.
True ApplePay is supposed to be handled like a Chip-and-PIN transaction. Most places may support NFC but not ApplePay.
Although they aren’t everywhere yet there are ATMs now that allow you to access them using Apple Pay and your PIN. Chase Bank has them but not sure who else does.
I can’t wait for the ID to go digital but you’re right it will probably be the last one to do that.
I believe I've seen Wells Fargo ATMs that do this as well.
But in my case, my credit union has not signed up for Apple Pay, so, need to have the physical card. And not that important a deal to move everything to a different CU or bank just to get Apple Pay there.
Is that a law? Or a limitation from the card providers? Either way, can you provide a source for it?
It's a fraud limiter implemented by the CC companies. If your card is stolen, the thief can only buy up to a certain amount, usually around $100. it varies by country. The hard limit on # of times and/or total consecutive amount is built into the system but not implemented everywhere.
I actually think there's a good reason for this. Physical IDs have gotten quite difficult to counterfeit. Just look at all the security elements of your driver license these days. This article points out that US passports now have so many security features that they can be too many for security agents to even remember what all of them are. I know Apple ID is pretty secure, but remember that we're comparing that to credit cards, which have a pretty terrible reputation when it comes to security.
And I just realized yesterday that GE's latest App now lets you scan the image of your GE card on the phone. They always had that but the actual scanning process never worked for me until this app.
Nice! Ill have to check that out. I’m in the same boat I’ve never been able to get it to scan. But I haven’t tried in the new app. Hopefully it works here too. Thanks for the heads up
Being in the UK it amazes me how Apple Pay acceptance is still an issue in the US. Almost everywhere here takes it for under £30 from the biggest chain stores to the tiniest cafes. Quite a lot of them are unrestricted as well (albeit you may have to argue with the know nothing cashier).
90% of my purchases fall under £30 anyway so I really could leave my wallet behind now, but the compelling reason to carry it now are loyalty cards that use magnetic strips (yuk) or insist on seeing the piece of plastic rather than scan from a screen.
The day I dump my wallet for good will be a great day.
90% of my purchases fall under £30 anyway so I really could leave my wallet behind now, but the compelling reason to carry it now are loyalty cards that use magnetic strips (yuk) or insist on seeing the piece of plastic rather than scan from a screen.
The day I dump my wallet for good will be a great day.
