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That's like asking, "What proof do you have that Apple manufacturers phones in China?"
Oh yeah, but since most of Apple's products have the words "Made in China" on them it's pretty easy to know that. Thanks for that nothing of an answer.........AKA, I don't have proof of any of the words I post on the internet. :rolleyes:
 
Well I'm an Pay user and I don't get what you mean. What would be the reason to add merchants rather than card companies?
Because many of us are already wanting to use it but not all that many stores accept it yet. It's getting better, but there are still several major merchants that don't accept it. (Looking at you, Kroger...)
 
They will also convert older accounts I had one converted just the other day

Convert to what? The deal is double cash back for IT cards and new card members. I already have an IT card, what exactly would they be converting it to to somehow take advantage of a new card member promo?
 
The deadline is in two weeks and it's only for chip support. Businesses don't have to support NFC if they don't want to (and there's no penalty if they make that choice) but if they don't support chip by then they'll become liable for fraud.

Couldn't remember which one it was. That sucks. They had an opportunity to make actual change and they botched it. Typical government.
 
Because many of us are already wanting to use it but not all that many stores accept it yet. It's getting better, but there are still several major merchants that don't accept it. (Looking at you, Kroger...)
Yeah, I finally understood that point. Didn't have the coffee as of yet. LOL. I agree, there definitely needs to be more merchants on board. Though in my area I have Trader Joes, Walgreens, FoodMaxx, Champs Sports and my local Cafe that all take Pay, so I'm good. In addition to the McDonalds nearby. Safeway, which I frequent as well needs to seriously get on board. For a big corporation they are lagging.
 
So I've updated to iOS 9 and added the card without issue.

However, I am trying to make a purchase via the Apple Store using Apple Pay. Under "Choose Card" It lists the Discover It as "Not available for in app payments" and "Not enabled for in app payments".

Any ideas?
 
So I've updated to iOS 9 and added the card without issue.

However, I am trying to make a purchase via the Apple Store using Apple Pay. Under "Choose Card" It lists the Discover It as "Not available for in app payments" and "Not enabled for in app payments".

Any ideas?

It's only available for in-store payments at the moment. I'm assuming at some point in the future they will enable in-app apple pay purchases.
 
Couldn't remember which one it was. That sucks. They had an opportunity to make actual change and they botched it. Typical government.

The good news is that the vast majority of terminals at least have hardware support for NFC. The bad news is that retailers in the US are extremely addicted to integrated terminal setups, so it's not simply a matter of installing new terminals. And since retailers seem to be extremely behind in upgrading, they might just focus all of their effort on EMV and not NFC, so the massive improvement in merchant acceptance that people have been saying might not happen.

It's kinda why I'm thinking Samsung Pay might become the most popular mobile payment system in the US--because it truly "just works" considering the state of our payments infrastructure and in comparison to Android/Apple Pay.

Apple's cut is part of it. However, since overall fraud rates are about 0.05% of purchase amounts, Apple Pay's 0.15% costs more than fraud does. Especially for worldwide banks that have used EMV for years. (Debit card fraud is lowest of all, at only about 0.02%, because of the required PIN even in the US.)

In addition, the issuers are required to set up and maintain servers to allow Apple's server's to request registration credentials, the issuers must create and maintain their Java applet in the iPhone's secure element payment processor, the issuers must add tokenization support or pay an outside firm fees to do so.

Finally, the issuers are also required to create reports to send back to Apple, with dozens of informational categories, such as number and dollar volume of credit and debit activity, average ticket, breakdown of transactions between in-store and in-app usage, and top 100 merchants by charge volume. (This way, Apple can continue to publicly say with a straight face that they don't collect info at time of purchase. What they don't publicly talk about, is that they get a lot of useful aggregate info kicked back to them later on.)

All of those are extra costs and effort.

The main reason banks sign up is because they are scared of their cards not being used, as contactless phone payments slowly begin to take off. (See comment above about wanting to be the default payment card.) Basically they're paying Apple a ransom, since unlike other electronic wallets, Apple demands payment for doing little more than providing the hardware.

0.05% worldwide. It's higher in the US because we're still using the magstripe.

Also, a lot of the costs that you mention are mostly one-time costs regardless of the mobile payment systems the issuer chooses to support, so it won't cost nearly as much to support, say, Samsung Pay or Android Pay later.
 
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Just applied for a Discover Card. I wasn't planning to upgrade my iPhone 6 Plus to a 6s Plus, but if I can get 20% back on the new phone, it might make the decision a no brainer. I could probably get the new phone for around what I'll be able to sell the old one for and have a newer phone.
 
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Just applied for a Discover Card. I wasn't planning to upgrade my iPhone 6 Plus to a 6s Plus, but if I can get 20% back on the new phone, it might make the decision a no brainer. I could probably get the new phone for around what I'll be able to sell the old one for and have a newer phone.

These are my thoughts exactly, just received my new card today after applying last week. Good luck
 
Wow this is such a sweet offer. For 10% cash back I'll start using Apple Pay again just for that alone. Hopefully other cards can have some nice offers like this as well.
 
A bummer about the in store requirement. It would have been sweet to shop at Apple store app using Discover and get the 10 percent.

If only my grocery store would accept Apple Pay, I'd get my $10,000 before the year was up. Give that place way too much money. :)
 
A bummer about the in store requirement. It would have been sweet to shop at Apple store app using Discover and get the 10 percent.

If only my grocery store would accept Apple Pay, I'd get my $10,000 before the year was up. Give that place way too much money. :)

You can walk into any Apple Store, and use your Discover to pay.
 
Correct I will have to wait till next month to get Double cashback on that card

No, I mean if you did it just the other day you won't get any double cashback. It's only for NEW accounts. There was a loophole (closed some months back) that let you convert a regular Discover card to the current IT card AND get the double cashback, but that isn't happening anymore.

Unless you figured out some other method to get double cashback, it's not going to happen. It would have told you in the terms and conditions online when you signed up - if you're getting it. My new card signup terms and conditions listed the $50 referral, and the double cashback, before I clicked Submit.
 
@WilliamG i just applied using the double CB link last week (new customer). Will i be eligible for double CB when picking my phone up on the 25th or does it start after first cycle? Thanks

From Discover:

Double First Year Cash Back:After the first 12 consecutive billing periods that your new account is open, we will double all the cash back rewards you've earned and apply them to your account in the next billing cycle. You've earned rewards when they have posted to your account by the end of the 12th consecutive billing period. You will not receive Double Cash Back if your account is closed or no longer in the cash back reward program as of the award date. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

---

So it sounds like it's immediate for the first 12 billing period. So the answer to your question should be yes - you should be good to go on the 25th!
 
Probably related to the same technical reasons that kept Discover off of Apple Pay until now.

While that's indeed possible, we can't know for sure that it was a technical problem that kept Discover off Apple Pay until now. Many credit unions and banks that weren't initially supported have been adding support on their end gradually over time without any iOS updates. I wish there was someone knowledgeable that could give insight into what Discover could have added to their backend system to prevent the update requirement, or what Apple had to add to their client software to make payment communication possible. It's all speculation otherwise.

Either way, if iOS 8.1 and 8.1.1 taught me anything it's that it's a good idea to wait to update until it's clear all the bugs have been worked out before taking the risk myself. That 10% will just have to wait awhile.
 
No, I mean if you did it just the other day you won't get any double cashback. It's only for NEW accounts. There was a loophole (closed some months back) that let you convert a regular Discover card to the current IT card AND get the double cashback, but that isn't happening anymore.

Unless you figured out some other method to get double cashback, it's not going to happen. It would have told you in the terms and conditions online when you signed up - if you're getting it. My new card signup terms and conditions listed the $50 referral, and the double cashback, before I clicked Submit.

Some reps are still able to add it to converted accounts and I have the emails that confirm this but it's huge YMMV at this point
 
Not sure where you're getting the 22% from. I don't think I'm currently eligible for the double-cash-back offer, though maybe I'll call and ask.

The 10% cash-back described in the deal. I don't see anywhere in the terms that says this 10% will be added calculated at the end of the year. I see that in the terms for the double-cash-back offer, but that's wholly separate from this. It just says automatically earn an extra 10% cash back. Nice.

As for discount vs cashback. Same difference. The net result is the same to me.

22% is because:

1.) You get 1% automatically on all purchases with Discover It. That's doubled to 2% for the next 12 months if you got a new Discover It card.

2.) You get 10% till the end of the year with Apple Pay in store using Discover. That's also doubled (see above).

So, Actual 20% + actual 2% = 22%.
 
Some reps are still able to add it to converted accounts and I have the emails that confirm this but it's huge YMMV at this point

Well I personally wouldn't take the risk at THIS point. What one rep says... and then a year later finding out it's not true. Oy... not worth the heart attack. :)

Do you have any way of confirming it's there?
 
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