The process varies for me. Seamless at Walgreens, a bit more involved at the local grocery store.
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Checkout Problems Hindering Growth in Apple Pay Usage
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The Paneras by me all have MX925s. I've used AP at the Panera by work dozens of times with no issues.
I use it when I can. But, more often than not, the terminal accepted payment, then failed authorization. After a couple of tries, I give up and dig out the card -- which also is contactless and it works without any problem.
I've also had a few instances where my iPhone picked that moment to decide it didn't like my fingerprint. After three tries, I have to enter the passcode.
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It is a standard: EMV Tokenization.
http://www.emvco.com/specifications.aspx?id=263
But, that's not as catchy as
Pay.The US doesn't use "Chip and PIN" and it doesn't look like it's going to any time soon.
Most cards with a chip in the US will still use signature as a verification method.
I've used it at the Home Depot in my area (north Texas), exactly 10 days ago. But, YMMV.
Works for me at Whole Foods everytime, no problem at all. I do however have a problem with one of the register at my local Walgreens, so I dont use that one. The other always work though.
That's turning out to be a good thing. Some banks are seeing much higher levels of fraud due to lax verification practices when adding a card to
Pay.
I guess I simply can't be bothered messing around hoping it will work.
It takes literally 2 to 3 seconds to pull out my wallet I always carry, and have my credit card in my hand ready to use.
And I know it will always work for any amount, in any store.
It#s simply just not a problem.
I've never taken the 3 seconds to get my card out and slip into the card reader thinking to myself, god if only there was an easier way.
I love solutions to problems. I just have no problem
After waiting 2 to 3 mins in a queue till I get to the checkout, 3 seconds does not matter and in actual fact it;s less than that, as if I'm in a queue I will have my card ready anyway.
I can appreciate the USA probably need brining up to date a lot more though
Of course, and my argument that using your phone is probably slower than Chip & Pin which i've got down to a fine art of speed. Tap to pay is stunning though for low payments and I won't ever use Chip & Pin over it if its available. Apple Watch needs to match the speed of that, literally just taping your wrist and walking off.
The states though are decades behind, still signing and swiping magnetic strips haha - incredible how a country usually ahead of us on most things technology based can be so far behind with payment systems.
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I'm not on about the US though am I, we're talking about the UK....
No, they don't have your thumbprint. It never leaves the phone.
From the terminal's point of view, you just waved a contactless card over the terminal. It doesn't know you actually used
Pay, or any other kind of phone. So, it asks for the same verification as if you waved the physical card.The EMV (chip) standard has a field in it to specify the allowable verification methods, which include PIN or signature. And, they can be prioritized. In the US, most cards will be signature first, and PIN second (if there is a PIN at all).
Eventually, I hope they will add a value that says: "no verification needed, as the device provides it". If it doesn't already exist, it may take a while for it to filter into merchant devices.
I've had very few issues other than when I tried using it at Subway, supposedly a launch partner, and was unable to. It's generally worked great and it's nice knowing my card info is safe in light of all these security breaches the last few years.
This is going to explode in late-2015/2016 as more merchants upgrade terminals for the new standards and more people have Apple Pay capable devices.
This is going to explode in late-2015/2016 as more merchants upgrade terminals for the new standards and more people have Apple Pay capable devices.
If you had an actual credit card, you would have that experience -- at least if the amount was below the threshold for requiring a signature.
By using a debit card, you have to go through all those steps because to the terminal -- you are using a debit card. It doesn't know that you actually used your phone, because your phone emulates your physical card.
Someday down the line, I expect that terminals will be able to tell that you used a phone, and that you verified your ID with a thumbprint. But, that requires a change in the terminal infrastructure, if it doesn't already support "no verification method".
I don't have an iPhone so I can't use ApplePay, but quite a few stores in my area have the equipment. However, I have never even seen anybody use a contactless terminal, even for tapping a credit card, much less for ApplePay. I have seen people use LevelUp (they have that at work) but that is totally different.
EDIT: BTW when my bank sends me a chip-enabled credit card I will be glad to try it, but I currently don't have any cards that have the chip.
EDIT: BTW when my bank sends me a chip-enabled credit card I will be glad to try it, but I currently don't have any cards that have the chip.
The Chase Amtrak Rewards MasterCard doesn't support Apple Pay so I haven't been able to try it.
I am a strong proponent of Apple Pay. I use it often but my choice of places to shop is too small for my liking. I've experienced everything the article singled out, but I continue to try and usually am successful. Some employees gawk in amazement when they see their screens showing I've paid. I also give the stores that don't offer Apple Pay my feedback on their decisions. Nicely.
What I find really cool are the drink machines and snack machines that work by putting your phone up to the coin slot area and then choosing whatever you want. Very convenient. My daughter just had my 10th grandchild and that hospital had Apple a pay vending machines as well.
Pay is good.
What I find really cool are the drink machines and snack machines that work by putting your phone up to the coin slot area and then choosing whatever you want. Very convenient. My daughter just had my 10th grandchild and that hospital had Apple a pay vending machines as well.
Pay is good.
I'd rather not live my life in fear of my credit card number(s) being out there. I've had credit card numbers stolen many times, I've been lucky not to have had any debit card numbers stolen (knocks on wood). Life is too short to sweat the small things!
All chip cards support a PIN. It's just a matter of whether the PIN is programmed into it, and more importantly: if the card is coded to accept the PIN for verification.
Unfortunately, Wells Fargo has coded their cards to require a signature first, and only allow the use of a PIN if a signature is not possible (i.e. at an unattended terminal). So, that means that even outside the US, you are likely to be asked for a signature if you present the card to a merchant.
However, I made a special request for a card from Wells Fargo last summer before we went to Europe. In the few cases that I tried to use an unattended terminal (to buy gasoline, or get rail tickets), the card was rejected. So, the terminals apparently weren't able to handle this case, per the EMV specification.
I've only had one bad experience at Subway and it was employee driven. Subways do work. The equipment doesn't look like it will, but as I said, I've only had one problem out of maybe 10 purchases in 4 different stores. I do think it will explode as well. It will be fun to watch.
The cardpeek scripts have to be tweaked in order for the on device CVM to actually appear, hence the confusion. What's actually not on AmEx/Visa is the offline support needed for transit.
Okay, do you have the CVM list? Not the Cardpeek interpretation but the actual list?
Completely agree. It has been completely flawless when I have used it. The major problem is that not nearly enough places accept it. Ideally I would like to stop carrying around my cards.
I'm worried that people like me will just default to cards because most places don't take apple pay, so we don't even bother trying. This would make it seem like a failure, when in reality I would greatly prefer using it.
Imagine not have to carry cards around... what a wonderful world that would be.
I predicted this at first mention of Apple Pay long ago. I postulated slow lines because of faulty fingerprint recognition. Apparently, more gums up the works.