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All my people please calm down, those for and against! It's so simple! Let me help you by a saying a quote that you have all heard before and need to put it motion here! " Money talks, Bul****t walks" take your business elsewhere ! Nothing more hurts a company than people who don't spend their hard earn cash at there stores! Simple, no stress, just simple! :cool:trust me ,they will be open to all payment in the future! Greed is in play here right now!
 
Ah, I see.. Somebody that hates the free market, and a consumer's choice to take a stand. You're a real piece of work.

I will do it, and I'll get others to do it too, and we'll see what happens over the next couple of years if they start accepting Apple Pay.

As stated, you'll defeat your own cause. And, all you'll do is prove that Apple Pay fanatics are a bunch of pathetic losers. Seriously, 2 years, whatever, hope you enjoy your new life of stuffing carts... but, you'll never succeed in your scheme. They'll put an end to your cart stuffing before you get your campaign launched.
 
So over 1500 comments thousands of tweets. This a marketing nightmare for these companies the ill will however short lived is not good for them. These places are about loyalty once you break that habit the cost to rest them back is very high. This definitely was not run by the marketing people first.
 
Disney was saved when they acquired Pixar... ya tool.

Disney would still be here and quite relevant without Pixar. The fact that they had the ability to purchase Pixar instead of the other way around shows which company was in a more powerful position.

That's like saying that Apple was saved when they purchased Beats. The reality is that Beats is fortunate that they got purchased instead of being squashed.
 
Disney would still be here and quite relevant without Pixar. The fact that they had the ability to purchase Pixar instead of the other way around shows which company was in a more powerful position.

That's like saying that Apple was saved when they purchased Beats. The reality is that Beats is fortunate that they got purchased instead of being squashed.

...Pixar is the main reason Disney is on its way back to the top of the podium for animation. So no, its not the same. Unless Beats happens to increase Apple's music user base (not just the current Beats users)
 
I think i'm going to go by the local CVS and fill up a huge cart, then go to checkout and when they tell me their ApplePay ******** excuse, just walk out and let them restock that ****.
 
Mastercard and Visa along with Apple and Google will push for more NFC, not less. That's a lot of muscle right there. All Mastercard and Visa have to say to the merchants is if they remove NFC, they pay more. Most people will not turn over the bank account numbers to MCX. This is just the first shot across the bow.

It could get pretty ugly pretty fast once CurrentC finally launches. Probably silly confusing for the average consumer as well, which means they will default back to what they know for non-cash payments...credit and debit cards, leaving the US right back where it started, except now with Chip + Sig instead of Strip + Sig. Woohoo...

Once Apple Pay launches internationally, it will gain a lot of traction in NFC prevalent areas pretty fast.

In the US people want to use credit cards, they don't want to use their bank accounts, and they are definitely not going to want to have 10-20 different cards they have to use, keep track of balances, and make individual payments on every month from all the separate stores they frequent. And in addition have "normal" cards that are accepted everywhere, not just at their MCX member mercants.

MCX would have to become an issuing bank themselves that offered a credit product that could be used at all MCX member merchants, and unified the rewards programs offered at those member merchants. That will never ever happen, because it goes against the whole reason MCX merchants created it in the first place.

For MCX to actually believe it can offer a solution that is not only more complicated and burdensome, but is also forces the consumer to change the fundamental way they manage and spend their money is DOA.

Not only that, but as mentioned earlier, Apple, Google, and the major payment networks are all financially vested in making NFC the default contactless payment service. If all the MCX merchants turn off NFC, how do they then expect to get their apps out on the Apple App Store and the Google Play store? No brainer that Apple and Google prevent those apps from being on their official stores. They both will probably get pressured themselves by Visa, MC, and Amex to do so as well.

Very shortsighted of MCX merchants to turn off NFC, but since they aren't close to being ready to launch CurrentC and most likely saw an alarming spike in NFC payments due to the launch of Apple Pay, they made a kneejerk decision, knowing that if they did nothing that NFC in general would have an unassailable 6-9 month head start. They probably underestimated how well Apple Pay would launch, and got scared after just a few days of it being active.

And their hasn't even been a discussion about security yet! It is one thing having your credit card information with all of these merchants that we have seen being hacked over and over again, because at least the consumer is protected via their payment network's fraud protection policies, but what about these same merchants now having your actual bank account info? That money gets accessed and its just gone, similar protections don't exist there. Is MCX going to ensure and stand behind their cloud in that case, making consumers whole? I find it hard to imagine. And even if they did...I can't imagine the process of closing a bank account and opening a new one in the case of being compromised is a simple and straightforward as getting a new credit card issued...it means at the least a trip to the bank in person.

Don't really get what the upside is for the consumer with CurrentC. It seems the only advantages are to the merchants...exactly why it won't fly...
 
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The problem is that people choose to look at it as if they "banned" Apple. The reality, is that it was already quite clear that they never intended to be a company who accepted Apple Pay. All they did was close the door to a service that people chose to us in violation of their already established policy of not accepting Apple Pay.

If someone went in tomorrow and managed to run a Discover card through a terminal, and it went through despite the retailers already stated position that they would not be accepting Discover Card, the retailer would be completely within their rights to close that door, and the Discover Card people would not be forming some ridiculous campaign to go stuff grocery carts full of merchandise in retaliation.

It's simple immaturity and deliberately slanting the view to cast themselves and Apple as the underdogs.

Rite Aid and CVS were already on record as companies who were not going to support Apple Pay and instead were on the roster for CurrentC.
It doesn't matter if they said they weren't supporting Apple Pay. People think they should and are voicing their opinion and you are trying to shut people down because they want companies to support their preferred method of payment.

No one stated that CVS and Rite Aid weren't within their rights to do what they feel is best for their business. I'm within my rights to do what is best for me. The market is working. I shop at places who will take the form of payment I am willing to use.

Get into the free market. I'm the customer with the money and at the end of the day the customer with the money will get their wish one way or another.

Lets not act like this CurrentC is going to make prices lower for consumers. Businesses will charge as much as they think the market can support. There is no incentive to do otherwise.

Claiming immaturity and all this and that speaks volumes about your maturity level. God forbid businesses take money people want to give to them. Taking people's money is just good business. They aren't offering up anything that Walgreens or Duane Reade or any other businesses aren't already providing.
 
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I think i'm going to go by the local CVS and fill up a huge cart, then go to checkout and when they tell me their ApplePay ******** excuse, just walk out and let them restock that ****.

It's a good thing Apple Pay users have nothing else in life.

You know, even Steve Jobs would be ashamed of his flock at this point.
 
Apple isn't disabling anything, the retailers are because:

1) Apple Pay uses an anonymous tokenization NFC system, merchants and MCX cannot gather/data mine consumer info to sell to marketers (either play by MCX's rules and get a percentage of consumer data sales of accept Apple Pay and Google Wallet and lose that kickback)
2) Merchants are not paying extra costs, the banks pay any fees as Apple Pay is more secure and lowers the costs banks eat due to fraudulent activity

Read the thread before assuming Apple (or any company) did xxx. This isn't about Apple, it's about data mining and security.
N

No Apple has in fact disabled NFC on iOS except for use with Apple Pay
 
It's funny how because they don't accept a form of payment that just recently became to being people are going shop somewhere else. There aren't enough places that accept Apple pay for us to go with out our credit/debit cards to begin with. Once that happens then maybe I can understand the point but till then I won't beacome a payment snob.
 
It's funny how because they don't accept a form of payment that just recently became to being people are going shop somewhere else. There aren't enough places that accept Apple pay for us to go with out our credit/debit cards to begin with. Once that happens then maybe I can understand the point but till then I won't beacome a payment snob.

Frankly, we should become payment snobs. The US is at least 10 years behind if not more compared to the rest of the G20 and there's a very vocal minority who's doing everything possible to keep us behind. Personally I'm going to avoid MCX members as much as possible because their claim of a (more secure than credit cards/cash) wallet is patently false and damaging to the cause of improving payment security.
 
It's funny how because they don't accept a form of payment that just recently became to being people are going shop somewhere else. There aren't enough places that accept Apple pay for us to go with out our credit/debit cards to begin with. Once that happens then maybe I can understand the point but till then I won't beacome a payment snob.
It's a little more nuanced than that. That is implied. The fact that Walgreens a competitor already supports ApplePay means I can be a payment snob as it relates to the drug stores I frequent. Up until now I was going to all of them. Now I will just go to Duane Reade/Walgreens. It's cleaner anyway.
 
Disney would still be here and quite relevant without Pixar. The fact that they had the ability to purchase Pixar instead of the other way around shows which company was in a more powerful position.

That's like saying that Apple was saved when they purchased Beats. The reality is that Beats is fortunate that they got purchased instead of being squashed.

The right analogy would be Apple was saved when they purchased NeXT...

And yes Apple was save because THEY "purchased" NeXT
 
Frankly, we should become payment snobs. The US is at least 10 years behind if not more compared to the rest of the G20 and there's a very vocal minority who's doing everything possible to keep us behind.
But does Apple Pay really advance the cause? From this distance it just looks like further fragmentation of a market/service that's desperately in need of unification.
 
But does Apple Pay really advance the cause? From this distance it just looks like further fragmentation of a market/service that's desperately in need of unification.

It uses standard NFC just like Google Wallet and the (few) US issued cards that support tap to pay using the card itself. Looks more like NFC vs. other to me.
 
If I were to guess, it would be cost. Instead of just having to pay Visa or Mastercard, they now also have a fee to pay Apple or Google.

A lot of retailers don't take American Express, not because they don't want to "stop money", but it's part cost of allowing them and how long it takes for AMEX to pay them.

In a business with low margins high fee cards such as AMEX or Diners Club are not widely accepted. In many cases it just not the fees but how efficiently they process the payments. I've been lead to believe that Visa and MasterCard are processed faster then cards such as AMEX. With the lower fees of Visa and MasterCard it's easy to understand why those cards are more widely accepted.

Regarding Apple pay it would be interesting to know how it compares to regular "plastic fees" and how efficiently it is processed.
 
Spot on by Gruber:

What Apple gets and what no one else in the industry does is that using your mobile device for payments will only work if it’s far easier and better than using a credit card. With CurrentC, you’ll have to unlock your phone, launch their app, point your camera at a QR code, and wait. With Apple Pay, you just take out your phone and put your thumb on the Touch ID sensor.

If I’m reading this right, and I think I am, these retailers who are shutting down their NFC payment systems are validating that Apple Pay is actually working, that people are actually using it. And remember, it only works with the month-old iPhones 6. Think about what happens a year or two from now when a majority of iPhones in use are Apple Pay enabled.

Think about what they’re doing. They’re turning off NFC payment systems — the whole thing — only because people were actually using them with Apple Pay. Apple Pay works so well that it even works with non-partner systems. These things have been installed for years and so few people used them, apparently, that these retailers would rather block everyone than allow Apple Pay to continue working. I can’t imagine a better validation of Apple Pay’s appeal.

And the reason they don’t want to allow Apple Pay is because Apple Pay doesn’t give them any personal information about the customer. It’s not about security — Apple Pay is far more secure than any credit/debit card system in the U.S. It’s not about money — Apple’s tiny slice of the transaction comes from the banks, not the merchants. It’s about data.
 
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Let's see, who owns who? Oh, wait... Disney owns Pixar... ooops

Doesn't mean much. Apple bought Jobs's company NeXT in order to get Steve Jobs and his intellectual property, and thus saved Apple.

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But does Apple Pay really advance the cause? From this distance it just looks like further fragmentation of a market/service that's desperately in need of unification.

The implementations don't have to be identical, as long as they work with the same terminals. Right now we have many different brands of credit cards and debit cards that you can use. Doesn't really change anything to move that to Apple Pay & Google Wallet. Of course the Blackberry and Microsoft guys will need something also. Maybe they can team up.

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The right analogy would be Apple was saved when they purchased NeXT...

And yes Apple was save because THEY "purchased" NeXT

You beat me to it.
 
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