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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

Are the Aldi's national? Never heard of them either on the east coast or west coast.
 
And another Apple Pay fanboy resorts to immaturity. Wow, you guys really know how to win one over. Immaturity, name calling, making fun of someone's nationality, cart stuffing, boycotting stores that you don't use anyway... yeah, I'm seeing the decision not to support Apple Pay as a very smart move. It keeps the idiots out of the stores and reduces headaches for their employees by sending the immature people to other stores.

First time on the Internet?
 
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.

Actually you do have chipped cards. They are just beginning to be issued. Every retailer in the US will be using them in preference to mag stripes within a year. Their POS equipment will have a PIN pad, although the majority of US cards will be Chip and Signature, but it will allow me to use my UK Chip and PIN card the way it is designed to be used, and will finally allow the mag stripe to be removed from cards.
 
It's only the iPhone 6 for now, but the 6s will have Apple Pay, and the 7, and the 7s...

The percentages will grow rather quickly, as most people upgrade their phones at least every couple of years.

Indeed. It's quite surprising how many people on here mock this new technology... since the average person on this site is probably more technology inclined than the general populace on average.
People scoffed when credit/debit cards came out. And stuck to using checks to make payments in stores. They didn't care that there were a lot of benefits over checks. It really didn't take long before those "old" people sticking to using checks were considered a great annoyance to people behind them in lines who had to wait while they filled out the check.
I'm also surprised about so much American (of which i am) ignorance on the subject. I pay close attention to what the foreign people on this forum have to say on the subject. Because this technology has existed for a long time and is quite common for many of them. They seem, for the most part, amused and surprised that we are so behind the times on this stuff.
 
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?
So, you want more payment systems, but you also choose to mock people that want to use the new Apple system? Anything to mock people that show even the slightest lean towards something positive about Apple. What a joke.
Why would I be thrilled that hackers stole contact info?

I can't find one piece of logic in your post.
Already answered that one. It's your industry, enjoy.
 
I do not know about you people but I will NOT trust any retailer with direct access to my checking account. We have seen how that has played out with PayPal where resolving issues is a pain but we also know that retailers do not keep their systems clean from malware.
 
There are only about 1000 readers in the whole US that handle contact chip cards.

If you look closely, you'll see that many point of sale terminals in the US have a slot for chip cards. But, most of them aren't enabled.

One exception is WalMart. And they alone comprise more than "1,000 readers in the US".
 
I do not know about you people but I will NOT trust any retailer with direct access to my checking account. We have seen how that has played out with PayPal where resolving issues is a pain but we also know that retailers do not keep their systems clean from malware.

I am with you on that 100% - I hope enough are
 
Indeed. It's quite surprising how many people on here mock this new technology... since the average person on this site is probably more technology inclined than the general populace on average.
People scoffed when credit/debit cards came out. And stuck to using checks to make payments in stores. They didn't care that there were a lot of benefits over checks. It really didn't take long before those "old" people sticking to using checks were considered a great annoyance to people behind them in lines who had to wait while they filled out the check.
I'm also surprised about so much American (of which i am) ignorance on the subject. I pay close attention to what the foreign people on this forum have to say on the subject. Because this technology has existed for a long time and is quite common for many of them. They seem, for the most part, amused and surprised that we are so behind the times on this stuff.
you underestimate the power of Paid trolls
 
I have been a CVS customer for YEARS. Going to switch to Walgreens. This is ridiculous.

Don't act like you're about to give up the ECBs and the loopholes and deals that come with that over a method of using your already existing form of payment....
 
Apple Pay in no way prevents you from using your CVS (or any other store) loyalty card. The CVS loyalty card is not a payment method.

Not everyone uses a CVS card. We have never had one. Whenever we purchase something at CVS, we just tell the cashier we don't have one... and they always keep one sitting on the register that they use to swipe. They don't want to lose the business. That new NFC system they are developing IS a way to collect info... and it has the added benefit of combining the purpose of that loyalty card WITH your method of payment. In fact, it would function more like having a loyalty card for every single member of that exchange. And many would not even know it.
 
So, you want more payment systems, but you also choose to mock people that want to use the new Apple system? Anything to mock people that show even the slightest lean towards something positive about Apple. What a joke.

Already answered that one. It's your industry, enjoy.

How am I mocking those that want to use the new Apple system. I'm not mocking them. I find the outrage and the immature responses of some to be ridiculous. There's a different if you bother to pay attention.

This has nothing to do with Apple in regards to my response. It has everything to do with some of the idiotic responses. There's no bias. I've posted similar comments on other forums when Android users act as ridiculous over something like this.

You see/read what you want in my posts. You're entitled. You just happen to be wrong.

PS - I would never get excited about a company being hacked regardless of my industry. I'm a consumer and individual before I'm an employee. Just wow.
 
Actually you do have chipped cards. They are just beginning to be issued. Every retailer in the US will be using them in preference to mag stripes within a year. Their POS equipment will have a PIN pad, although the majority of US cards will be Chip and Signature, but it will allow me to use my UK Chip and PIN card the way it is designed to be used, and will finally allow the mag stripe to be removed from cards.

I have a chip card in my wallet. It's nfc only. No contacts. Us chip cards are "contactless". This was just issued. There will be no cards with electrical contacts. It will all be NFC.

Yes, I was also assigned a PIN, and that starts next November.

But my point remains - the cvs terminals do not read the chip now. only mag stripe. They have no contacts to read the chip.
 
First off personalizing this, attacking me as wrong is very immature.

I simply posted, just like we all do, observations and thoughts. You've failed as you cannot anger me.

At no time did I say why they're shutting it down other than to say it didn't work for them.



It appears based on what you've written you are guessing and assuming. Sadly you're misleading yourself.

I'd encourage you to educate yourself on this topic. Spreading FUD makes you look clueless.
His post looked pretty reasoned to me. If it is FUD, what is the truth? Please let us know, this apparently interests many people, 2000 posts...
 
Are the Aldi's national? Never heard of them either on the east coast or west coast.

They're international actually. German company from the start IIRC. That's where I first saw them as an exchange student in high school, anyway. I've seen them in England, and the Midwest in the US, not kn the east or west coasts, though.

They are pretty warehousy type places generally, not very bright or clean or nice places to shop, lots of discount brands or brands you've never heard of, generally sourced from non-western or 2nd world econcomic markets. Don't know their policies or sources on produce or dairy, though, might be nore of a coop type arrangement for those kinds of goods.
 
First off personalizing this, attacking me as wrong is very immature.

I simply posted, just like we all do, observations and thoughts. You've failed as you cannot anger me.

At no time did I say why they're shutting it down other than to say it didn't work for them.



It appears based on what you've written you are guessing and assuming. Sadly you're misleading yourself.

I'd encourage you to educate yourself on this topic. Spreading FUD makes you look clueless.
I posted details and facts. You just say it's FUD? Why? Explains and clarify. What is wrong about what I posted-- specifically?
 
Context is everything. And I was mocking the post I was referring to. You'd have to be obtuse to think otherwise.

How am I mocking those that want to use the new Apple system. I'm not mocking them. I find the outrage and the immature responses of some to be ridiculous. There's a different if you bother to pay attention.

This has nothing to do with Apple in regards to my response. It has everything to do with some of the idiotic responses. There's no bias. I've posted similar comments on other forums when Android users act as ridiculous over something like this.

You see/read what you want in my posts. You're entitled. You just happen to be wrong.

PS - I would never get excited about a company being hacked regardless of my industry. I'm a consumer and individual before I'm an employee. Just wow.
Sorry for also using your words. :rolleyes:

Yeah, I feel better now that you've defended yourself with more double-talk.
 
Ill post just to keep the comment count going up!

This seems like a stupid idea to me. I understand they have a vested interest in their own solution, but I will be choosing Walgreens when possible. If a company has an NFC reader, I will always attempt apple pay even if I know it won't work, just to cause a disruptance.
 
I have a chip card in my wallet. It's nfc only. No contacts. Us chip cards are "contactless". This was just issued. There will be no cards with electrical contacts. It will all be NFC.

Yes, I was also assigned a PIN, and that starts next November.

But my point remains - the cvs terminals do not read the chip now. only mag stripe. They have no contacts to read the chip.

You'll get another card. It will look like this... (obviously the artwork will vary depending on the card issuer)

ml_palladium_0301_blog.jpg


That is the basic EMV standard. That is the standard that Visa and MasterCard are insisting on.

Some more information..

http://www.tomsguide.com/us/chip-and-pin-credit-cards,review-2013.html
 
Yea they would really get mainstream traction with an app that needs to be sideloaded or installed only on jailbroken iPhones or as a webapp for that matter.

I actually hope Apple takes the high road and continues to allow CurrentC in the App Store....doing so just makes MCX appear even more petty.

Eh, for a long time you had to do so to install the Amazon App Store, and it got enough traction...
 
Hey, I don't care if you want to put your credit card information into your phone, or some website, or however you want to do it.

The immature uproar over some company not endorsing your chosen payment alternative is ridiculous though.

Cart stuffing, trying to convince everyone that you're idea is the only way, etc... that's ridiculous.

You'll have to eventually accept that some places will accept Apple Pay, and some won't. Just like people accept that some places accept American Express / Discover Card, and some don't.

Slamming an option based on a model that saves people money and is proven to leave more cash in the consumers pocket, while relentlessly trying to convince everyone that they should partake of ridiculous immature behavior in protest of stores which never intended to support Apple Pay is ridiculous.

In essence, your incessant need to convince the world to follow Apple, become angry, resort to childish actions, and so on..... You know what... take it easy, don't get so wound up... Use your phone where you can if you wish, and use whatever payment options are otherwise available when you're somewhere else.

This thread has shown that the fanboys are on a clear mission. It's not really about security. It's not really about saving time. It's about the longstanding tradition of taking on "The Man" and supporting "The Underdog" and fighting the good fight. The problem, is that somewhere along the way, people failed to notice that "The Underdog" became "The Man" that they were fighting against.

In the end, Apple Pay will be an "Also ran", another option that became available. It will not become the way of the world. Sorry.

There are not enough Apple Fanboys to make it a dominant player.

Apple's strategy relies on one thing, the success of the iPhone. But, the reality is that most iPhones are sold to people who already had iPhones. Just like most Macs were sold to people who already had Macs and felt they needed the latest and greatest.

iPhones aren't on a path of taking over the entire market. And, any store that places all it's eggs in Apple's cart will do more to hurt their sales than anything else.

Adopting a more universal payment option that is crossplatform is more sensible if someone is going to adopt an electronic payment system.

I personally have owned phones from every company. And, I will likely own other phones from other companies in the future. I have no strong ties to Apple's iPhone. Consumers are fickle. I've seen more people move away from the iPhone in the last year than buy a new one. And, the few who didn't move away, didn't upgrade to anything at all, some still use their iPhone 4.

I don't know anyone that is going to buy an iPhone 6. My cellular company offered a free iPhone 6 and 6+ update to all of their subscribers a couple of weeks ago, because they wanted to push them. Guess what, that was the quietest day I had ever seen in their history. Nobody showed up. I went in and paid my phone bill, and that was the first time I had never seen another person in the store besides myself. Usually they have about 60 customers backed up at any given moment. This time, major iPhone 6 give away, heavily promoted, signs everywhere, email campaign, text message campaign, and nobody showed up for a free iPhone 6.

I considered it while I was there to pay my bill, but ultimately preferred to stay with my iPhone 5. And, I'm glad I did.

You know what's really funny, a week later, they gave away Motorolla's, and the place was packed, and spilling out the door.


Your cellular store was quiet when you went to pay your bill because they were all at the Apple Store ;) Or maybe they were at Walgreen's checking out with Apple Pay. --Sorry I just couldn't resist.
 
Not everyone uses a CVS card. We have never had one. Whenever we purchase something at CVS, we just tell the cashier we don't have one... and they always keep one sitting on the register that they use to swipe. They don't want to lose the business. That new NFC system they are developing IS a way to collect info... and it has the added benefit of combining the purpose of that loyalty card WITH your method of payment. In fact, it would function more like having a loyalty card for every single member of that exchange. And many would not even know it.

MCX doesn't use NFC. It uses a 2D bar code. They claim they will expand it to NFC later, but given how long it has taken just to get this far, I wouldn't hold my breath.

The problem: MCX only supports ACH payments. You have to give them your checking account info, and grant authority for withdrawal. And as another poster has pointed out: you also have to provide your social security number and drivers license number for "verification".

In other words, it's effectively another application for credit, combined with almost no protection against fraudulent transactions (other than the merchant's assurances).

MCX is all about eliminating credit card merchant fees, and replacing it with ACH transaction fees that are pennies, each. They are trying to dress it up with "loyalty" features, but in the end that's all to get you to sign up for something that reduces their cost.
 
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