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Discover Announces Apple Pay Support Beginning This Fall
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Discover IT is a good cash back card to use for the 5% categories. Only use it for that and the rest goes on a better 2% flat cash back card like Citi Double Cash.
Finally. I use a Discover Card pretty regularly, mostly because it has pretty attractive rewards. It's pretty rare that I find a place where it's not accepted, so I'm thinking that there are more Discover users out there than a lot of you guys realize.
The most obvious reason an Apple user might use Discover is the 5% cashback at apple.com--I don't see any other card providers offering that.
The most obvious reason an Apple user might use Discover is the 5% cashback at apple.com--I don't see any other card providers offering that.
I like the fact that you can actually use your cash back rewards towards your monthly payment.
Also just received an offer for their online banking and will now have a debit card also. With them going Apple Pay, I can use them instead of Chase that requires (for me) to have a $1500 balance to avoid the $10 monthly fee.
Discover has no requirements for balance or activity, you just need to be a card holder.
I love going to Six Flags and Discover offers 5% discount at Six Flags. Glad to hear that Discover will be on board. I use them a lot when they have the 5% cashback program for Gas Stations.
Since my Discover card is my main card I say "About time!!". Although the lack of being able to use the Discover card meant my other cards would get a little activity now and then when I would use Apple Pay. I guess that's a good thing as they won't cancel the cards due to not using them.
Yes, quite a few. 5% cashback in rotating categories every season.
Using my Discover card, I was able to get $80 back from my iPhone 6 purchase (5% online cashback for Oct-Dec period, plus 5% ShopDiscover online).
What's the point. I use my Discover card so little now because of Apple Pay, that them supporting it will be like a 'Oh, that's nice'...
I can't understand the lag time. So far, all of my cards are in, except the Discover.
I guess there has to be a holdout, but... It seems ridiculous...
I can't understand the lag time. So far, all of my cards are in, except the Discover.
I guess there has to be a holdout, but... It seems ridiculous...
I no longer have a Discover card but why will it take them all these months to get it working with Apple Pay?
Now how about bringing it to Canada?
https://www.macrumors.com/2015/04/17/apple-pay-canada-november/
Apple has got to get their act together with Apple Pay in the U.S. It's a mess. For the first several months that Apple Pay was available, I used it at my local Home Depot with zero problems.
Last week, I tried to use it at the same Home Depot and everything looked like it was working on the PIN pad until after I authenticated with Touch ID and it said "Please see cashier". The cashier seemed clueless as to why it didn't work other than to just say, "It's not taking it". I pulled out the same card that's linked to Apple Pay, swiped it, and it worked just fine.
I wish Apple Pay was as seamless as Tim Cook displayed in the demo last year. The reality for me is that it's worked that seamlessly at only two places I've used it -- Panera and McDonald's. Even at Walgreens, you still have to choose Debit or Credit after authenticating with Touch ID, and if you choose Debit, you're required to enter your PIN still.
At this point, I'm slowly beginning to move Apple Pay into the "fail" category in the U.S., at least. The customer experience with Apple Pay is inconsistent, at best. If it doesn't work, the retail employees are so poorly trained about the technology that they can't tell you to do anything else except to use plastic instead. It's a shame; because I really wanted the technology to catch on.
Last week, I tried to use it at the same Home Depot and everything looked like it was working on the PIN pad until after I authenticated with Touch ID and it said "Please see cashier". The cashier seemed clueless as to why it didn't work other than to just say, "It's not taking it". I pulled out the same card that's linked to Apple Pay, swiped it, and it worked just fine.
I wish Apple Pay was as seamless as Tim Cook displayed in the demo last year. The reality for me is that it's worked that seamlessly at only two places I've used it -- Panera and McDonald's. Even at Walgreens, you still have to choose Debit or Credit after authenticating with Touch ID, and if you choose Debit, you're required to enter your PIN still.
At this point, I'm slowly beginning to move Apple Pay into the "fail" category in the U.S., at least. The customer experience with Apple Pay is inconsistent, at best. If it doesn't work, the retail employees are so poorly trained about the technology that they can't tell you to do anything else except to use plastic instead. It's a shame; because I really wanted the technology to catch on.
yeh, but this is a rumor only. why can't they just announce it like Discover has? and in the meantime Apple Stores in Canada do not even support NFC!
Speaking of Discover, is it accepted anywhere outside US? I don't recall ever seeing it in Canada or Europe.
The bank has to change their back-end systems to implement the EMVCo tokenization standard. That requires, but is not limited to these steps:
- When the user adds a card to Apple Pay, the bank validates the account and associates the new device account number (token) with the account.
- The bank must verify the user adding the card to Apple Pay is the actual user. Different banks use different methods -- those not using one are encountering higher rates of fraud.
- When the user uses Apple Pay at a merchant, the bank must confirm the transaction is valid. In addition to the usual account number, expiration date, etc.... the transaction contains a unique sequence number that is only valid for one transaction.
- The bank must map the token to the correct account number, and confirm sufficient funds/credit before authorizing the transaction.
- When the transaction actually posts to the account, the bank must again map the token to the account number.
The only reason Apple Pay was rolled out in the US shortly after the iPhone 6 release was that partner banks had a long time to prepare. The EMVCo tokenization standard was published in March, 2014, but I suspect that Apple and the banks got the final draft long before that.
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Discover has their own bank, and their own payment processing network. There are some partner banks that also issue Discover cards, but not nearly the number that issue Mastercard or Visa.
I really think you should at least give it another year. The main reason why you're still asked for a PIN is that the store's treating Apple Pay like a magstripe card. When chip is finally turned on they will be able to recognize that Touch ID was used and not ask you for a PIN or signature. This thread goes into more detail on that. As a temporary measure for smaller purchases using a credit card instead of a debit card should provide something closer to that seamless experience.
BTW, Visa/AmEx work with Apple Pay at Home Depot but not MasterCard for some weird reason.
You're lucky. Up here in The Great White North we don't have
Pay, or Target, and almost nobody takes Discover.
Fall????? Good grief. I guess better late then never. Still may switch cards. You snooze you loose.
My Visa debit card did not work at Home Depot when I tried to use it via Apple Pay last week. Swiping the card worked fine. I know Apple Pay works fine with that card because I used Apple Pay to reload my Starbucks card with that same card yesterday.
In the past, I've used that same Visa debit card at Home Depot via Apple Pay with no problems. Didn't work last week, though, and the cashier had no idea why it wouldn't work.
I did after being very disappointed with NO news at all from Apple over this huge delay, I also spoke a friend of mine who works for a IT firm specialising in Bank services , both blamed Apple! Seems EMVCo and others are in a battle to control the tokenisation , the current EMVCo token still has security flaws so UK banks won't accept it, Apple didn't work with any UK bank prior to the release of the iPhone, it doesn't solve current fraud and Barclays and other banks already are developing alternative systems etc.
I'm no expert on all this and this is just what I've gathered after looking into it but it sounds like a bloody mess, and I very much doubt iPhone 6 users in the UK are likely to see Apple Pay anytime soon!
Yet I continue to pay daily with my NFC bank card for trains, coffee, petrol etc..
I wouldn't mind if Apple were transparent about this, I know they can't please everyone all the time, but it is false advertising saying it would come to the UK, when it looks like thats a very remote possibility this year!
I still don't know why my Discover Caskback Checking Debit card was held up.
It looks and acts like every other card.
However the lack of embossed numbers on the credit cards I do know was part of the lack of ApplePay to begin with.
It looks and acts like every other card.
However the lack of embossed numbers on the credit cards I do know was part of the lack of ApplePay to begin with.
