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I'm pretty sure I saw the twitter suggestion in one if those 2400 posts...

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it has already been suggested atleast 25+ times... what's wrong with it being suggested 2000 times more ??

Granted I am slow, but I figured out the plan when I read it the 10th time. Okay, maybe it was like the 15th time, but my point is, unicorns are real. I saw one coming out of my bathtub drain yesterday.
 
It#S logical, isn't it ;-)

it's the problem with those "proprietary" systems - if any company want to earn some additional fee customers will stay off the doors…

with a "real wallet" none cares about the manufacture creating my leather wallet, right?
I can use it in ten years without updating…

I like the contactless payment - use it daily - but if tose "compatibly battles" will fight on customers neck its useless…
 
I'm pretty sure I saw the twitter suggestion in one if those 2400 posts...

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Granted I am slow, but I figured out the plan when I read it the 10th time. Okay, maybe it was like the 15th time, but my point is, unicorns are real. I saw one coming out of my bathtub drain yesterday.

Way to go, my man, with your unicorn... I am glad you are finally catching up somewhat with the spirit of this thread...... spew a lot of garbage, insult members, bring down big bad corporations, and try to start a world war 3 whilst we are at it..

Lo behold, before you know it, you will have your 10,000 post !!!

On the side note, I am a tad bit annoyed with CVS's policy, but since I reside in Dubai, I am glad I do not have Apple Pay and won't have in the foreseeable future, so I won't be affected by 1st world problems....

The worst part is that I won't be able to go to CVS and let them restock the shelves in protest for not accepting Apple Pay.... I am gutted.....:(
 
In the UK, two of the biggest retailers - Asda (owned by Walmart) and Sainsburys- have NFC-capable POS terminals in all their stores, but choose to disable it. Nothing to do with Apple Pay, they've always done it. Just annoying
 
2 questions: loyalty cards and tips

hi

i don't live in the usa but would like to understand 2 things about apple pay:

1/ when a retailer has some kind of loyalty program that awards points is there a a way that you can use that store's loyalty card that might be in Passbook? how is the transaction done in that case? do you first access the card in Passbook then access card in Passbook that you are using apple pay with?

2/ how about tip jars where tips are not added to the bill itself but when leaving the register you put some small change into? is there a way to have a tip jar function if the tip is not added to the bill?

thanks
 
If it really matters that much to you call another pharmacy and have them transfer all of your prescriptions out of cvs. This would get their attention much more than a shopping cart full of unsold merchandise. They make their real money from those prescriptions.
 
Couldn't this be seen as being anti-competitive? I don't see the problem with offering the customer more choice.
 
Just caught this thread now, maybe this has already been raised (and surely it was ... but I did not feel like going through the whole thread ;)

If I understand well the move, a group of companies want to put up a payment system competing with existing others (Google Wallet and Apple Pay).

In order to do so, they (will) build a system that uses an application running on a mobile OS controlled (at least the store where the app is downloaded from, which is all that matters) by their competitors (Google & Apple).

What happen if, a bit in the same way they banned payments in their store, the app is banned from the OS stores, how does it get to their potential customers smart phone (may be they have a new smart phone up their sleeves) ???

Have they seriously considered that they actually need their competitors devices to get their system to their potential customers ?
 
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What about the fact that there are fees involved that CVS and other companies have to pay to take apple pay? Maybe they don't want to suck those up? Maybe there are other reasons? Perhaps there is more infrastructure maintainence required?

And, you phone people.... Do you have to use those dumb things for everything and anything? Get a wallet and relax. :D
 
What about the fact that there are fees involved that CVS and other companies have to pay to take apple pay? Maybe they don't want to suck those up? Maybe there are other reasons? Perhaps there is more infrastructure maintainence required?

And, you phone people.... Do you have to use those dumb things for everything and anything? Get a wallet and relax. :D

Perhaps you need to read up on things...no retailer has to pay a fee to accept Pay.
 
hi

i don't live in the usa but would like to understand 2 things about apple pay:

1/ when a retailer has some kind of loyalty program that awards points is there a a way that you can use that store's loyalty card that might be in Passbook? how is the transaction done in that case? do you first access the card in Passbook then access card in Passbook that you are using apple pay with?

2/ how about tip jars where tips are not added to the bill itself but when leaving the register you put some small change into? is there a way to have a tip jar function if the tip is not added to the bill?

thanks


1. Loyalty cards can be added to Passbook. And many have.

2. Tip jars? Do you actually put money in those? Place with tip jars already know pay the local min wage. No need for tips. If the place has a wait staff taking tips? Then you can just the customary 15% to your bill.
 
You missed the obvious example: Apple locking down the NFC chip to only work with their own payment solution. :)

The hypocrisy is real.

But they're not locking down payment terminals to only work with Pay. And we all know that Rite-Aid and CVS didn't shut off NFC for security reasons.
 
What about the fact that there are fees involved that CVS and other companies have to pay to take apple pay? Maybe they don't want to suck those up? Maybe there are other reasons? Perhaps there is more infrastructure maintainence required?

And, you phone people.... Do you have to use those dumb things for everything and anything? Get a wallet and relax. :D

There is no infostruction, ApplePay uses the exist NFC network and hardware. The banks have to set stuff up, but retailer do nothing. The fee that Apple makes comes out of the standard fee the retailers pay to the credit card companies. So the retailers see no fee increase for Apple Pay support.
 
Do you feel the same way about Apple removing Bose products from their retail stores?

Or how about Apple rejecting/banning apps that provide links to their own apps stores (e.g. Aple rejecting Amazon's Kindle app since it linked to Amazon's own store)?

I guess when Apple makes rules to eliminate competitors in their own store (which they have every right to do), it's OK. When anyone else does it, it's time for all of us fanatics to bash them and claim they are stifling competition :rolleyes:

What does not selling a product in their store equate to not accepting a certain payment type? If it bothers you that Apple no longer sells Bose headphones don't shop there anymore. Last time I checked Bose doesn't sell Beats headphones in their stores. As far as Amazon goes, I can easily go to amazon.com in my Safari browser and buy any Kindle book I want. You can argue it's not as convenient but Apple hasn't eliminated the ability to purchase Kindle books on iOS devices. Plus I'm sure Bezos is perfectly happy not giving Apple a 30% cut. If Apple was really about eliminating competition there would be no Google apps or Microsoft Office in the App Store.
 
My gouging pharmacy of choice is Walgreens anyway.

Don't like the prices, go to a wholesale club. I routinely find scrips for 75% less at Costco.

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From Merchant Customer Exchange' wikipedia

"The company is led by merchants such as 7-Eleven, Inc.; Alon Brands; Best Buy Co., Inc.; CVS/pharmacy; Darden Restaurants; HMSHost; Hy-Vee, Inc.; Lowe's; Michaels Stores, Inc.; Publix Super Markets, Inc.; Sears Holdings; Shell Oil Products US; Sunoco, Inc.; Target Corp. and Wal-Mart Stores, Inc."

Expect more companies to retract NFC use with Apple Pay and Google Wallet in next days.

"The company intends to make their application available on all major smartphone platforms."

We'll see who's laughing when their solutions get turned down in an equal move from iOS and Android. Good luck gaining marketshare with your precious payment solution for Windows Phone, Blackberry and Palm!

I have the sneaking suspicion that if Apple decided to block them from the App Store, it would be anti-competitive in the eyes of the justice department, while what CVS is doing is just fine.
 
For everybody whining already, perhaps it would be nice to think about why they might do this? It's not like this is a service Apple is providing for free. Just because you don't have to pay for it doesn't mean somebody isn't. I don't know what Apple takes from these transactions and it is certainly not unheard of to have higher rates for those that are not affiliated with a certain program, so it could very well be that paying through Apple Pay costs them all or most of their margin.

Now I don't know about you guys, but if I had a company and customer convenience like Apple Pay cost me my margins I'd cut it off faster than you can say Apple Pay. None of you guys work for free, and neither should shops.

Certainly, the existing contracts between the merchants and the banks specifies how large the cut for the banks will be. Since Apple collaborates with the banks, not the merchants, their cut would have to come from this. I'm pretty sure the merchant's contract with the bank doesn't allow the bank to arbitrarily raise their own cut.
 
Basically US banks/merchants should stop bickering and get fully behind EMV.

Leaving it to Google, Apple and, most ridiculously, individual retail chains to produce (competing) payment mechanisms seems like madness.

I though we were late with this in my country, but it finally seems that we're at a point where you can go everywhere and never need to swipe and sign again. I didn't realise that the US didn't already have this.
 
It's Apple's store, they don't have to have a reason for not approving an app. Just like they don't have to have a reason for not selling Samsung phones in their retail stores.


Plus now Apple can claim that since the app has so many negative reviews that they removed it from the store due to extremely low user satisfaction. :)
 
I have the sneaking suspicion that if Apple decided to block them from the App Store, it would be anti-competitive in the eyes of the justice department, while what CVS is doing is just fine.
Your suspicion would be wrong.

While people are losing it with outrage over CVS refusing NFC and Apply Pay they seem to forget that currently the largest retailer in the US refuses NFC and Apple Pay too.... Walmart.

That doesn't seem to generate the same outrage, why? ...because people with iPhone 6's already don't shop there? ;)
 
To be honest, I do think that there are some here that see it the way that you do and I respect that. But is it to stifle competition or is it to use another system that they prefer for their own reasons or interests? It's not like Apple doesn't do the same thing themselves.

Every company is, as part of its overall competitive strategy going to do things that make it harder for other companies to compete with them.

But what we have here is a couple of companies who have removed a service they previously offered to their customers (NFC payments) in an area that is not even core to their business. And one has to ask why.

It's pretty obvious to me that they are doing it only because they want to keep Apple Pay at bay until they can put their own substandard and less private payment method (my opinion) in place.

It's sneaky, nefarious and sleazy. And I refuse to reward them for it.

I would be interested to hear from you an example of Apple attempting to stifle competition when it's not a part of their core business. Seriously, because I know you often have a more measured and objective view than many who post on this site.
 
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