CVS Stores Reportedly Disabling NFC to Shut Down Apple Pay and Google Wallet

[AppleScruff1]

Actually your posts show a deep lack of understanding the issues in this thread. You think it's about Apple Pay. And people whining cause it's not available. It's not. Its about a retailer turning off NFC as a dick move to thwart all NFC payments including Apple pay. Such actions should piss off any consumer, even if they never intend to use Aapple Pay, since it takes away consumer choice. You can ignore that if you like, but then your posts lack any merit or grasp of the subject. Thanks for playing though.

See my post above.

 

[hotsauce]

I'm not going to go into a 30 year history lesson by the week here... Intentional ignorance doesn't erase the obvious.

Those who receive constant e-mails from Apple based on purchase history, the movies you watch on your Apple TV, the music you listen to from your own private library in iTunes, etc. is just a small tiny example. It grows significantly as you get into iPhone apps, music / video downloads, etc. Everything you involve Apple in, even if you think it's just using content on your own machines is archived. Even their recent search features pull data...

As for lying... seriously... anyone who's been through Apple's never ending denial strategy, will be very familiar with this habit.

Apple is the heaviest mass marketer of email spam based on mined information that I've ever seen. I get numerous e-mails from them every day, all targeted based on what I've watched on my Apple TV streamed from my own hard drive on movies which were not even purchased from Apple.

My junk e-mail account gets dozens of emails from Apple for every 1 message I get from any other entity in the world. They are far more aggressive in their marketing than Target, and Kroger, etc. who I use store club cards for, and yet never harass me with promotional messages and targeted emails. Now, spitting out coupons based on what I just purchased doesn't bother me. Sending me a dozen e-mails a day based on what I watched from my own hard drive that didn't come from Apple, yeah, that's a little invasive. I'm just glad Apple only has my junk e-mail account.

You sound like my grandma. You should learn how to unsubscribe.

 

[cmaier]

wrong.

I've been using Chip and PIN since 2006. when you push the card into the reader it is reading the chip.

Not in the U.S. I assume you mean Europe.

 

[cjmillsnun]

I wonder if CurrentC is collecting all the data they can out of the transaction. we know Apple does not and the retailer does not even know your name. So CurrentC might pull a facebook and sell they personal data they do collect allowing them to have a lower transaction fee and collecting money from selling the data.
if that's the case I hope Apple Pay wins out, because I like privacy.

That is EXACTLY what MCX want to do with CurrenC

 

[MyopicPaideia]

Proving nothing. Market share of the iPhone has no correlation to the inaccurate assumption that 10% of cvs customers are iphone 6 users.

Unattainable goal.

According to your chart, approx 50% of the smartphone market is apple (at best). Now not even half of the established users are iPhone 6 users. Probably not even a quarter.

Either way, 10% of cvs customers being iPhone 6 users is unobtainable because first off, not everyone who shops there has a cell phone. Of those who do have a cell phone, not all of them are smart phones (remember that their primary volume goes to elderly meds), now of the portion that have smart phones, they might at best be 40 to 50 percent apple. And now we're already talking an insignificant portion of their customer base. Now let's reduce that further to what portion of those customers have an iPhone 6, and now we're really down there. Now let's reduce it to the portion who are obsessed freaks, and we're really really really down there.

You will never affect 10% of cvs sales with your tiny iPhone 6 campaign.

To this day, I have yet to see anyone owning an iPhone 6. I've seen them in stores. That's it. But I see a lot of 5 and 4 models around town.

Who is talking about today? Apple Pay enabled phones will make up the majority of iPhones in the wild within a couple of years. It cpuld be as early as next year that Apple won't even ship a phone that can't do Apple Pay.

You'll see the 5C/5S replaced with a model that does Apple Pay. Just look at the average update rates of iPhone users and you'll see that it won't even take 3 years for the majority of all iPhone users to have Apple Pay enabled hardware in their hands.

Again. I wonder what town you live in? How big is this place?

 

[Max(IT)]

Is Apple insecure and afraid by having iOS a walled garden? By not allowing other apps to be default apps?

What has that to do with this thread?
Every occasion is good to bash Apple?
Just as a reminder: the thread is about a store not accepting NFC payments from both Apple and Google.

 

[ptb42]

MCX has nothing to do with saving money on fees.

No, this isn't correct. MCX is funded by ACH transfers from the consumer's checking account, which only costs a small amount. They predict it to be as low as 4 cents, when fully implemented.

http://www.sector-sovereign.com/2013/12/fis-the-mcx-opportunity-for-paynet/

Earlier in the thread, someone posted another article quoting a WalMart executive, in which he said their primary incentive was reducing the amount they pay in credit card fees.

 

[samcraig]

Oh, come on Sam. You can't put a positive spin on that? As compared to the Target fiasco? Your bias throughout this thread is hilarious. I would think you'd be thrilled that the hackers stole contact info, I'm assuming marketers will be buying it under the table in droves.

What bias?

I think stores should offer all methods of payments. Because I understand why the exchange is valuable and important to retailers makes me biased?

How exactly have my posts been biased?

Why would I be thrilled that hackers stole contact info?

I can't find one piece of logic in your post.

 

[cjmillsnun]

Not in the U.S. I assume you mean Europe.

Yes in Europe, I live in the UK. But disabling NFC does NOT disable Chip and PIN. The basic EMV standard is for a chipped card.

What they have done is disabled the contactless side of the card reader. That's all.

WalMart accept chipped cards, but they don't accept NFC. WalMart are also part of MCX

 

[MyopicPaideia]

As I said, if Apple wasn't involved, I doubt there would be an uproar about it.

Don't forget that we are on Macrumors.com - this place is not an accurate representation of the actual uproar going on

That said, notice how all the retailers are using Apple Pay by name, not NFC in general. That says something in and of itself about how powerful that perception is.

 

[samcraig]

What has that to do with this thread?
Every occasion is good to bash Apple?
Just as a reminder: the thread is about a store not accepting NFC payments from both Apple and Google.

Context is everything. And I was mocking the post I was referring to. You'd have to be obtuse to think otherwise.

 

[Rogifan]

To this day, I have yet to see anyone owning an iPhone 6. I've seen them in stores. That's it. But I see a lot of 5 and 4 models around town.

So because you haven't personally seen someone with an iPhone 6 means they're not selling. Even though when I went to AT&T last week to get one they told me they wouldn't have any in stock again until mid to late November. Btw, I was at a football party last night and several people there had iPhone 6's.

 

[AppleScruff1]

Google did come up with a system, and it was largely met with yawns. 3+ years in. Because of several reasons. They didn't develop a smooth user experience. They didn't put in the groundwork (i.e. Touch ID) to make it completely secure. They didn't put the necessary partnerships in place (i.e., Visa, MasterCard, Amex, major banks) to give it traction. They don't have the ecosystem locked down enough to own the system start to finish, thereby they don't have the leverage necessary to keep the phone carriers at bay.

Microsoft? Don't make me laugh. They could never pull of anything like this.

Cashless payments with NFC have been something that I, personally have been apathetic about in the past. And here's why: It would have required me to carry an Android phone. I have owned Android phones, and I have used them for work. I have no desire to carry one. So that was a non-starter.

You seem to have a problem with the fact that Apple has taken yet another kludgy process, and turned it into something that is much more simple, sophisticated and elegant than anything like it that came before. The reason there is an uproar is because people have been waiting for someone to develop something like this, and now that someone has a "rival" group is making efforts to thwart it. Why? Because they have a better system? No. Because they want to continue to degrade my experience and control my personal information for their own profit motives.

You missed my point. It wasn't about who could make this work. I don't recall people here wishing Apple would come up with a payment system. IMO, people here are enraged because someone defied Apple. And if it was another company, it wouldn't get much attention, especially here.

I have no problem with what Apple has done. I have merely pointed out what I find to be extremely comical with some of the posts in these threads, that's all.

 

[cmaier]

Yes in Europe, I live in the UK. But disabling NFC does NOT disable Chip and PIN. The basic EMV standard is for a chipped card.

What they have done is disabled the contactless side of the card reader. That's all.

WalMart accept chipped cards, but they don't accept NFC.

In the us we never had chip cards with contacts, only contact less. So they can communicate with the reader ONLY by nfc.

There are only about 1000 readers in the whole US that handle contact chip cards.

The readers at cvs read mag stripe only.

 

[AppleScruff1]

Don't forget that we are on Macrumors.com - this place is not an accurate representation of the actual uproar going on

That said, notice how all the retailers are using Apple Pay by name, not NFC in general. That says something in and of itself about how powerful that perception is.

No doubt, it is a very powerful perception.

 

[Treq]

Yeah, I'm aware of what the sales figures are... That doesn't mean anything locally... National sales numbers still break down into small percentages of any given community.

And, in my community, we generally really don't care about "new" and "latest and greatest". We look at what works, does the job, and what we like.

As for reading / scanning e-mails, all e-mail companies are guilty of that, including Apple:

I was very involved in Apple's Support discussions years ago as a sideline in my business. I spent hours a day helping Apple customers on the Apple Support Forums to resolve their problems, help them find solutions, and providing general support.

One topic that came up frequently, was Apple's invasion of privacy. And, in typical Apple fashion, any discussion that didn't favor Apple in a positive light was deleted. But, it was a frequent issue that Apple customers brought up.

But, since Apple quashed all of those, there are a couple of recent references available on the matter:

http://macdailynews.com/2014/03/23/apple-yahoo-and-google-also-claim-right-to-read-user-emails/

https://www.macrumors.com/2014/03/21/apple-email-terms/

Naturally, Apple would have no way of "knowing" that a particular message might be important to "(c) detect, prevent or otherwise address security, fraud or technical issues; or (d) protect the rights, property or safety of Apple, its users, a third party, or the public " without first processing those emails to some degree as they came through their system.

That's diffrent. Google actually scans every email sent to or from a g-mail account for marketing data. Apple doesn't do that.

 

[cmaier]

In the us we never had chip cards with contacts, only contact less. So they can communicate with the reader ONLY by nfc.

There are only about 1000 readers in the whole US that handle contact chip cards.

The readers at cvs read mag stripe only.

Oh, also, we don't have chip and pin. Just chip.

 

[Rogifan]

As I said, if Apple wasn't involved, I doubt there would be an uproar about it.

Yeah because this is MacRumors, not Google or Android Rumors.

 

[MyopicPaideia]

Just a correction to this...I need to add that I do get emails from Apple when I change the password associated with my Apple ID and I did get one when I set up 2FA for iCloud. But I would hardly consider that spam. I'll believe it when I actually see one of these alleged spam emails. Even then I have a hard time believing someone is getting them every day or multiple times a day and had no success opting out of them.

Yeah, I too get those, but they are not marketing spam emails, they are security related and are not in the same category at all, that's why I didn't even think of including them in this discussion. Flyinmac was't talking about this category of email either.

 

[samcraig]

So because you haven't personally seen someone with an iPhone 6 means they're not selling. Even though when I went to AT&T last week to get one they told me they wouldn't have any in stock again until mid to late November. Btw, I was at a football party last night and several people there had iPhone 6's.

I have to LOL at this part of the discussion which is usually focused on how no one sees Android phones/tablets - all they see are iPhones and iPads - so clearly Android phones/tablets don't sell.

 

[Bob Sanders]

Not true. Aldi operates as trader joes in the US and they certainly take credit cards.

You need to read up on the history of Aldi's split in Germany. It's a pretty crazy story, a disagreement between brothers over whether to sell cigarettes led to a multi-billion dollar business splitting.

Long story short, there are both Aldi branded stores and Trader Joes branded stores in the US and they are owned by opposite sides of the split. I don't shop there, but I'm pretty sure that the Aldi a couple miles from my house does not accept credit cards

 

[MyopicPaideia]

No doubt, it is a very powerful perception.

Absolutely

 

[samcraig]

That's diffrent. Google actually scans every email sent to or from a g-mail account for marketing data. Apple doesn't do that.

So it had nothing to do with fast indexed searching?

 

[sracer]

Everyone should go to CVS and RiteAid, put about $50-100 of stuff in their buggy, and then when they don't accept ApplePay tell them never mind and walk out.

Did better than that. Went in yesterday to pick up prescriptions. You know the business they are actually supposed to be in. When they said they didn't take Apple Pay, I told them I'd transfer the prescriptions across the street to Walgreens who wants my business.

Left her shaking her head, I have a new pharmacy.

Went to Rite Aid today. Filled a basket with stuff and walked up to the cashier and tried to pay with my phone. When it did not work I left it all on the counter and told them that they just lost a sales and a customer.

Will do the same at CVS tomorrow.


Everyone should do this. They need to understand that refusing to take money the way I want to give it will indeed cost them revenue.

Three examples that show that iPhone users have earned the poor reputation they have in some circles.

 

[Rogifan]

No, this isn't correct. MCX is funded by ACH transfers from the consumer's checking account, which only costs a small amount. They predict it to be as low as 4 cents, when fully implemented.

http://www.sector-sovereign.com/2013/12/fis-the-mcx-opportunity-for-paynet/

Earlier in the thread, someone posted another article quoting a WalMart executive, in which he said their primary incentive was reducing the amount they pay in credit card fees.

Yeah, and why exactly is it so cheap. You get what you pay for.