Unless you're pumping gas, at least for the time being. Then again, digital driver's licenses might have to become more common first.
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Costco App for iOS Now Supports Digital Membership Cards, Allowing for Wallet-Free Shopping Trips
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Unless you're pumping gas, at least for the time being. Then again, digital driver's licenses might have to become more common first.
This is what I was thinking. I’m eagerly awaiting Apple Pay and digital cards at the pumps.
Also, I love Costco, but it’s pure BS that they didn’t utilize the wallet. That’s precisely what if’s for!
I'm going to use this instead of fishing my card out of my wallet when I go into the store as well!
Yeah with 7-11 I pull up a QR-type code from my Apple Wallet to scan for my rewards but with the Panera rewards there's no code and it triggers the NFC terminal. I like how Panera bribed me into using it the first time with a free cookie.
Yeah with 7-11 I pull up a QR-type code from my Apple Wallet to scan for my rewards but with the Panera rewards there's no code and it triggers the NFC terminal. I like how Panera bribed me into using it the first time with a free cookie.
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Doesn't matter what the error was, Costco only takes Visa at their brick and mortar stores in the US. They don't honor any other card networks neither using the physical card nor over contactless using Apple Pay, Google Pay or whatever.
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thanks, I already corrected my post (and also quoted the correct post I meant to reply to).
Costco in the US officially accepts debit cards with a PIN, regardless of the logo. We inserted that same card and it worked fine (including the PIN prompt that was supposed to appear with contactless). If the intention is to only support contactless on Visa debit and credit cards, that sounds like something that should frankly be told to members somehow.
That's correct. A friend of mine is a member of a credit union that is switching their branded credit card from Visa to MasterCard. They sent out an email letting their members know they can't use their MasterCard Credit Card at Costco like they had been doing with their Visa credit card. They then pointed out that Costco does accept Mastercard debit cards
Agreed. I am looking at the "Membership" section of the Costco app and all it has are:
- Member Number
- Since Date
- Expiration Date
- Member Portrait
- Member QR code
Staples should be in office supplies.
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This needs to be handled very carefully, so that there is never a requirement to hand your smartphone over to a police officer "to verify your identity".
I jinxed myself, I literally was leaving the office after typing all of this and got pulled over! Doh!!!
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Screenshot the QR code. Wait a few hours or a day, re-open the app. You’ll notice the QR code is different. I’ve uploaded what happened with mine.
They do this to prevent you from sharing screenshots of your card to your friends, requiring they pony up for their own membership.
Notice the top of the QR code is different. In the screenshot version vs the regular version.
[doublepost=1564011223][/doublepost]You can use any visa at Costco
It's clunky without wallet. You have to unlock the phone, find and launch the app, wait for it to load, switch to the membership screen, have the cashier scan it, go to the terminal, double click power, select card, Face ID, then tap the reader.
With contactless, like Walgreens or Panera, you double-click, Face ID, tap reader for membership, then select card and tap again to pay.
The most important part is you can use your Watch for this, and never have to take your phone out. That's the biggest advantage.
The states that have them already just have the officer, and stores for that matter, scan a barcodeStaples should be in office supplies.
[doublepost=1564010478][/doublepost]This needs to be handled very carefully, so that there is never a requirement to hand your smartphone over to a police officer "to verify your identity".
That is very annoying!
Went to the warehouse 3 days in a row and the same item was in different location all 3 days!
Phase in period, it is coming once all stores have adopted digital cards. Some stores are still in the process of getting self-checkout.
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One also does not pay for a membership at Panera or Walgreens. The reason why Costco does it this way is to prevent misuse, the QR code is timed and changes for security purposes so one cannot take a screenshot and send it to someone else to use it. Membership fees is where Costco and Sams makes they money.
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or a Costco Canada MasterCard and it also works with ApplePay in the US Costco warehouses.
Costco US is seeing it as a debit card and processing it as such I presume. They do accept the Canadian Costco Mastercard as a credit card though.
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This has been in the works for years, the thing that held it back was misuse of sharing memberships and how to deploy it worldwide with the appropriate backend support and security of a timed rotating QR code. Companies don't snap they fingers and things happen, it take time, testing as a large corporation does not want to mess a critical thing like membership and payment processing considering most of they profits are from membership fees.
You were thinking what most have been wanting well before the Wallet app was released and people wanted a place for all their cards.
At Costco in the US you can use all credit or debit Visa cards and most other debit cards as long as they support PIN authorization. The only cards you can't use at Costco in the US are CREDIT cards issued on any network other than Visa such as Mastercard, Amex or Discover. As for Apple Pay, it obviously won't work if it's loaded with a non-Visa credit card, and the Apple Cash card (issued on Discover) might not work at Costco either because it doesn't have a PIN number.
https://customerservice.costco.com/app/answers/detail/a_id/719/kw/payment method
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That sounds more like an unintentional error. The system seems to be mistakenly running the Google Pay token for that MasterCard debit card as credit instead of debit, and since they don't take credit cards with a logo other than Visa the payment fails. Just in case, try the same card through Apple Pay instead of Google Pay next time and let us know how that goes.
Costco will accept any Visa card tho. If your card issuer supports Apple Pay then you are good to go.
But given the cash back rewards structure of the Costco visa, you should consider it.
Unless they do something funny for me this is incorrect. They accept all VISA credit cards, Costco branded or not. I can’t speak to the debit cards but I’m assuming they have to be VISA also.
More companies should do this (easy enough to take the normal barcode data - membership# or whatever - and append a cryptographic digest of the data and a current timestamp, then make the barcode out of the result) to make their QR codes more secure, and Apple ought to add support for that in their Wallet app (if you have the corresponding app, have the Wallet communicate with app when you bring the card up, to get the current QR code).
Possibly. The "invalid PIN" error on the cashier's side makes me think it actually did try to run as debit though, but there's really no way to know for sure. I'll have to dig up the iPhone and try again some day.
Why would anybody use a CU issued credit card? The rewards are so meager. Compared to the rewards (4% on gas/3% on food&travel/2% costco/1% all other) on the Free Costco Visa, they should switch.
If their CU issued Credit Card is their oldest credit card and is free, they should just put it in their home safe or desk or wherever (to preserve their fico* history/score), and get and use the Costco Visa card.
*this is based on family member’s FICO scores of 820 - 850.
Mid 50s Sister earns ca 35k$/yr, got first CC 4 years ago (went from a cash/debit card existence to a CU Visa, now replaced by Costco Visa, and a Skymiles AMEX Card), first loan of any kind (car) 3 years ago, always pays her bills on time (prior to getting the recurring bills on her credit card, she was often late, no longer). Her FICO is in the 820s and she gets cash back and frequent flyer miles respectively.)
Mid 80s Mother went from a cash, cheque, and maybe 25 active credit cards but using less than 5, always paid on time (except for maybe being late 1/every 2 years), a mortgage, no car loan these last 5 years, to the same AMEX and Costco cards as sister and has a FICO of 850.
Both pay almost everything using Apple Pay on their Apple watches.
They will be happy the Costco membership card is in the app but nerved with Costco that it’s not NFC scannable (like Apple Pay not being accepted at the pumps - Meijer has been taking AP at the pump gor 2-3 years now.)
I hope that when Apple opens up NFC for 3rd parties in iOS 13, that Costco is positioned to take advantage of this. (And that the will get their pump situation straightened out.)
Move to Alabama. We're not usually known as leaders in much but Alabama allows online driver license renewals (every other renewal; we still have to visit a real office once every 8 years). After renewing online a couple of years ago, I received a confirmation email that even included an attached electronic license file that loaded right into the Wallet app. Talk about being pleasantly surprised! It really worked great and now I have my license with me anytime I have my phone on me.