How do you account for the numbers purchasing iPhone 6 in the UK where applepay hasn't even been activated? Your statement is quite ridiculous.
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CVS Stores Reportedly Disabling NFC to Shut Down Apple Pay and Google Wallet
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How do you account for the numbers purchasing iPhone 6 in the UK where applepay hasn't even been activated? Your statement is quite ridiculous.
No, it's best for stores to stop jerking customers around. We didn't have stores taking away our choice two weeks ago. You are all focused on the use of Apple Pay. That not the issue. It's taking away NFC that was there and working, whether or not that method was there a month ago. And guess what, NFC was there a month ago. Again, you just don't get it. I have never completed an Apple pay transaction despite having the capability to do so. I just don't want stores removing a capability for spite.
Apple Pay has no traction.
You'll feel better as a result of sending your missive, but it'll be too little too late. Target, Rite Aide, Walgreens, CVS, Sears, Walmart, Best Buy, Kmart, 7 Eleven and others have swiftly reacted to the Apple Pay situation, it's problems, complications, and walked away. The last thing these retailers need is to be unwittingly drug into a payment system abyss.
If it should be proven that there's some merit, some advantage to Apple Pay, I would think they might revisit it in another few years. Apple has staying power, there's no rush to implement Apple Pay. By taking time to review what went wrong and how it might me fixed, will be a very good lesson for Apple.
Look how easily Apple ignored it's loyal customers for two years, preventing them from having the 5.5" display they wanted so badly. The temporary failure of Apple Pay won't affect Apple.
This is Apples game, in Apples ball park. They'll continue to do what they want, when they want, and customers will praise them for it. All is well
Totally wrong. Consumers have the power to force decisions.
The banks should have a major issue with this.
CVS and Rite Aid are refusing to accept major bank (credit) cards that use Apple phones as the vehicle that the transaction is run through.
I would have thought the place to complain is your bank. Banks don't really like companies refusing to take their cards. I can see the bank phoning management at CVS saying take all our cards or take nothing.
My pick is this will be overturned within the week.
CVS and Rite Aid are refusing to accept major bank (credit) cards that use Apple phones as the vehicle that the transaction is run through.
I would have thought the place to complain is your bank. Banks don't really like companies refusing to take their cards. I can see the bank phoning management at CVS saying take all our cards or take nothing.
My pick is this will be overturned within the week.
Not true at all, they simply aren't allowing NFC payments. You can still swipe your card...
I was skeptical, too. Until I saw some screenshots from the CurrentC app.
I says it may collect some info protected by HIPPA. It wasn't specific, and I suspect it might be data on certain things you buy with the app, like perhaps prescriptions?
I don't think my credit card receipts identify the specific medication. But, CurrentC might.
I used my American Express card. I can't use that this week, though, because some stranger got the account number and tried to use it in another state. I have to wait for Amex to send me a new card.
Of course I'm applying it to Apple. That's who we're talking about here. Why should I apply it to anyone else? Of course Apple's primary source of revenue is hardware. That doesn't mean I think all their services should be free. My point is Apple's motivation around Pay isn't about making a lot of money off the service itself but rather about providing a better customer experience that makes more people likely to purchase an iOS device. When you say Apple stands to make money "hand over fist" on this you're implying it's all about the money, not providing a useful service to their customers.
Cash is not king. Use your credit to your advantage and you not only protect your cash, you can get thousands a year in rewards. I've gotten so many free flights over the past decade.
Thank you. I try to be pithy when posting from the iPhone.
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The person two posts below explained it well. I do agree with your assessment of my statement as an opinion, and that's a fact!
Here is the email I sent to MCX
I've read lots in the press about your member retailers blocking Apple Pay because you required them to block it per a contractual agreement that isn't in a retailers best interest anyway.
To block consumers in favor a payment system that isn't even out yet is unfair to those same consumers. The public doesn't need another conglomerate trying to eliminate their preferred choice of how they spend their money.
You want to put out an app that I have to be connected to an Internet service then generate some QR code and then present it to the cashier when I can walk up to an NFC terminal and with quick tap pay for my purchase?
There is room enough to allow Apple Pay, Google Wallet and CurrentC and if you want to avoid paying fees to Master Card or Visa, then maybe you should consider building something else that benefits the buyer and doesn't require them to spend a lot of time working your app.
Frankly that old lady, who has a new iPhone and just barely knows how to use it, isn't going to go through that much trouble to make a purchase with your app. Anyone who knows customer service should be able to figure that out.
So until something changes I will not shop or support any member store and will influence anyone I know to do the same.
Regards
Chris Denny
Sent from my iPhone
I've read lots in the press about your member retailers blocking Apple Pay because you required them to block it per a contractual agreement that isn't in a retailers best interest anyway.
To block consumers in favor a payment system that isn't even out yet is unfair to those same consumers. The public doesn't need another conglomerate trying to eliminate their preferred choice of how they spend their money.
You want to put out an app that I have to be connected to an Internet service then generate some QR code and then present it to the cashier when I can walk up to an NFC terminal and with quick tap pay for my purchase?
There is room enough to allow Apple Pay, Google Wallet and CurrentC and if you want to avoid paying fees to Master Card or Visa, then maybe you should consider building something else that benefits the buyer and doesn't require them to spend a lot of time working your app.
Frankly that old lady, who has a new iPhone and just barely knows how to use it, isn't going to go through that much trouble to make a purchase with your app. Anyone who knows customer service should be able to figure that out.
So until something changes I will not shop or support any member store and will influence anyone I know to do the same.
Regards
Chris Denny
Sent from my iPhone
You honestly think there is no additional fee due to Apple supplying the Apple Pay? I honestly don't see card releasing financial institutions cutting their own fees so Apple can have their margins. You think partnership means no financial transactions... get serious... Consumer data is one thing but margins play huge role here.
I don't believe there is an additional fee, though. The CC companies agreed to Apple's slice of their fees because the possibility of fraud is greatly reduced with Apple Pay. I think they ran their own numbers on the cost of fraud/stolen cards against the percentage they allowed Apple, and made the decision from that.
Visa, MasterCard, AMEX, and 500+ banks coming online with Apple Pay is the equivalent of "no traction"? So, when would you assert that Apple Pay will have traction, then?
This is like The Clone Wars.
I thought I'd wake up this morning and this would be gone, nope.
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I thought I'd wake up this morning and this would be gone, nope.
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Don't worry CVS is already on the hate list. I'm not kidding there's a hate list.
Those retails are completely retarded why would you get into the payment competition. Just accept all of them and let the...you know..actual payment provides like paypal google and Apple fight it out.
Your business is to sell products in your store, why would you turn down sales over type of payments.
What a bunch of morons.
Your business is to sell products in your store, why would you turn down sales over type of payments.
What a bunch of morons.
No - that's your interpretation. I was being quite literal. Apple stands to make a good amount of money with Apple Pay. I never remotely suggested their motivation or sole motivation was money.
I wonder if it is related to the pharmacy rewards program at Target? For every 5 eligible prescriptions, you get a 5% off coupon that can stack with the RC. They obviously shouldn't know what they are, but HIPAA could need to be covered by transmitting the simple fact you got one?
In all my HIPAA related classes, this obviously wasn't covered.....
Actually we should all swipe cards for packs of gum at CVS. It's the interchange fees that bug them. Hence CurrentC. So make them rack up interchange fees on small purchases.
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Dude. You are 50 pages too late. This has been covered. Go read and learn than come back. There are no additional fees paid by anyone to Apple due to Apple pay. The banks agreed to pay out of their normal cut of the transaction because of the fraud protection. But no added fees are tacked onto Apple pay.
I went to CVS this morning to buy a makeup mirror, whipped out my HTC M8 to pay with Apple pay and it didn't work. I asked the cashier why, she couldn't give me a straight answer, so I told her I'm withdrawing my business from the group because I feel like I'm being discriminated against.
If it was just that they could have done like a lot of small businesses are doing: require minimum purchases before accepting cards. They probably could have spun it reasonably well in the media too. Instead they're throwing a temper tantrum and causing people to see what a security nightmare CurrentC actually is.
Wow, I'm a cash lover but would never limit myself, let alone my business's ability to get paid! We are adding NFC in with our CC machine!
Unfortunately cash really isn't King anymore! Our business will still give cash discounts and what's really funny is some people think a credit card is cash or better yet, "I'll make the check out to cash" yes this happens in our business. But I would never limit our ability to take money!
I can't tell you how many times in the last 10 years, I've asked a business, "how about a cash deal", and the most common answers: We can't take cash, we only take CC's or checks and I get paid either way. This is true ****, I can't believe it.
I've watched businesses let customer's walk out of their stores due to a payment process. Only excepting one CC, or not taking cash or checks. I just can't see limiting ones ability to take money.
This day and age we have CC machines that take all CC's, and have check verification. It makes it easy for business and consumers to make quick transactions.
Apple Pay is just one more way to make a purchase, and the safest system I've ever seen or used.