Do you use Apple Pay, and where do you use it?

[displaced]

In the UK, I use it daily:

• The newsagent right near my house.
• Morrisons (supermarket)
• WHSmith (another newsagent)
• Burger King, KFC
• Weatherspoon's pubs
• Buying train tickets
• Buses
• M&S

It's pretty much the exception where I can't use Apple Pay. The main place I still have to dig out my card is Sainsbury's, but apparently they will have completed nationwide roll-out in a couple of months or so.

 

[dontwalkhand]

Another nail in the coffin for MCX, as some QuikTrips have Apple Pay now.

 

[BruiserB]

Another nail in the coffin for MCX, as some QuikTrips have Apple Pay now.

Where was this? I'm in the Atlanta area now where QTs are everywhere. The ones I've been to still take your card from you and swipe it on the side of their cash register monitor. Haven't seen the setup you photographed.

 

[AustinIllini]

I use Apple and Android pay in Whole Foods all the time. Android pay works about 70% of the time on terminals that support Apple Pay.

 

[dontwalkhand]

Where was this? I'm in the Atlanta area now where QTs are everywhere. The ones I've been to still take your card from you and swipe it on the side of their cash register monitor. Haven't seen the setup you photographed.

It's new. Not my picture but looks like they're rolling out in Omaha first- posted by a person in another payment forum I participate in. QTs are all corporate owned so I expect them to be all over pretty soon. This setup is less than a week old. But it looks like the only place that will still take the card away from you would be restaurants in the near future.

 

[theonekcrow]

Apple Pay has been out for a long time, and I really love the concept, but do you actually get to use it often?

I can't use it at Walmart, gas stations, restaurants, Starbucks, night clubs, bars, and most of the grocery stores except Whole Foods.

1. Do you use it often?

2. And where?

I use Apple Pay at least once every couple of days. I do my shopping at Mejier for groceries and getting gas. It's nice because the gas pumps at Mejier 's gas station have sensors for Apple Pay. Works like a charm every time. Two taps of my side button on my watch. The next thing I know, I'm pumping gas.

I've also used it at Best Buy, McDonald's, Subway, a Circle K gas station (left my debit card at home one day, this was a life saver that this station took Apple Pay), an AT&T corporate store, and the Apple Store.

 

[cynics]

Be cool if ApplePay had the magnetic secure transmission like Samsung Pay so we could use it at any credit card terminal. And still maintain the amount actual credit cards supported.

 

[Act3]

Many of times I'll be using my iphone in line waiting to check out at grocery so it makes it easier to just pay with the phone. I've used it at Winn Dixie, Walgreens, McDonalds, Subway, Starbucks, vending machines, Office Max, Disneyworld, etc

 

[ecschwarz]

Be cool if ApplePay had the magnetic secure transmission like Samsung Pay so we could use it at any credit card terminal. And still maintain the amount actual credit cards supported.

I'm a little conflicted on this, myself. While I'd love that, it's my understanding that that merely emulates a magnetic stripe (I don't think there's any tokenization). LoopPay was its own company and I don't know if Apple was interested or not before Samsung swept in and bought them. On the other hand, it seems very Apple-like to drag us into a newer, better technology (NFC) and ignore that the legacy technology (magnetic stripes) even existed.

 

[cynics]

I'm a little conflicted on this, myself. While I'd love that, it's my understanding that that merely emulates a magnetic stripe (I don't think there's any tokenization). LoopPay was its own company and I don't know if Apple was interested or not before Samsung swept in and bought them. On the other hand, it seems very Apple-like to drag us into a newer, better technology (NFC) and ignore that the legacy technology (magnetic stripes) even existed.

It uses tokenization.

http://www.samsung.com/us/support/answer/ANS00043865/997410383/

The problem with Apple dragging us into newer better tech as you say is that Samsung Pay also supports that newer better tech. So users won't need to know whether there phone is using the magnetic strip or NFC all they need to know is they can use their phones to pay anywhere you can use a credit card.

I think the problem with MST will be chip and pin/sig. A lot of US merchants REQUIRE you to use the chip if your card has it. I think that is kind of silly since we are just now getting chip in our credit cards after its been successfully used for fraud for a long time in the EU. But I digress, Apple Pay doesn't offer a solution to that anyway so its a moot point to bring up just something that will be annoying for Samsung Pay users.

 

[iGeek2014]

In the UK I've used Apple Pay at:

WH Smiths
The Co-Op
Boots
Marks and Spencer
TfL
Waitrose
BP
Morrison's
Tesco (Metro)
Apple (I used Apple Pay to buy my Apple Watch last September and in December I used it to buy a Sport band)

Quite frankly I enjoy using the service; not only do I earn rewards on my credit card (until the end of this month) and my Visa Debit card (until the end of this year) I feel happy knowing my details are secure.

Granted the bank would refund any fraudulent transactions if someone stole my card(s) at least only I can use Apple Pay.

 

[Matthew.H]

I used Apple Pay to pay for some shopping at Tesco this evening. Generally if a store accepts contactless payments then you can also use Apple Pay.

 

[biopig]

I use it in Walgreen, McDonald's, BestBuy, Apple Store, and anywhere the Apple Pay is available. It's easy and cool!

 

[ecschwarz]

It uses tokenization.

http://www.samsung.com/us/support/answer/ANS00043865/997410383/

The problem with Apple dragging us into newer better tech as you say is that Samsung Pay also supports that newer better tech. So users won't need to know whether there phone is using the magnetic strip or NFC all they need to know is they can use their phones to pay anywhere you can use a credit card.

Thanks for the link - I knew back when it was LoopPay, tokenization wasn't supported, so it's nice to see Samsung improve upon the original product. I can see how that aids with the transition (of course, I completely agree that the places that require use of a chip if present are probably going to create problems since a lot of those have NFC turned off)

 

[Samh92]

I use it whenever a shop supports wireless payment. I usually ask before getting my wallet out to save me time and just pay with my watch or phone if I don't have my watch.

Here in the UK I believe they have up' the limit to £30 now instead of £20. Also supermarkets like morrisons and tesco now support it so you can pay for fuel providing it's under £30.

Even my hairdressers accept it now, so most places I use regularly support it which is great

 

[T5BRICK]

My bank just recently started supporting Apple Pay. I'll try it next time I'm out and it's an accepted method of payment.

 

[iGeek2014]

I use it whenever a shop supports wireless payment. I usually ask before getting my wallet out to save me time and just pay with my watch or phone if I don't have my watch.

Here in the UK I believe they have up' the limit to £30 now instead of £20. Also supermarkets like morrisons and tesco now support it so you can pay for fuel providing it's under £30.

Even my hairdressers accept it now, so most places I use regularly support it which is great

The contactless limit changed from £20 to £30 in September 2015; I believe the 'upgrade' completed by the end of October 2015.

It's a shame places like Morrison's and Tesco's don't remove the £30 limit (for Apple Pay). For example TSB offer 5% cashback on Apple Pay/contactless until the end of this year; people could earn some serious money if they used it regularly.

 

[Samh92]

The contactless limit changed from £20 to £30 in September 2015; I believe the 'upgrade' completed by the end of October 2015.

It's a shame places like Morrison's and Tesco's don't remove the £30 limit (for Apple Pay). For example TSB offer 5% cashback on Apple Pay/contactless until the end of this year; people could earn some serious money if they used it regularly.

Oh really, wish I knew this when I've been to nandos now.

Yeah it would be better, especially filling up as it usually costs £50-£60 for a tank.

 

[ultravisitor]

It's not the screen, it's getting to that screen. Double pressing the home button often unlocks the phone because touch id is so fast. Then once you're in the phone, you try to goto wallet, but yup, you can't pay using wallet. So then you have to lock the screen again, then try double clicking, and you go through this endless cycle.

What are you talking about? When I use Apple Pay, my phone is always locked. I just hold the phone up to the card reader with my thumb on the home button, then the pay screen comes on, the payment is registered, and I put my phone away. There is no need at all to unlock the phone and open the Wallet app.

 

[Mxbzz]

Thanks for the link - I knew back when it was LoopPay, tokenization wasn't supported, so it's nice to see Samsung improve upon the original product. I can see how that aids with the transition (of course, I completely agree that the places that require use of a chip if present are probably going to create problems since a lot of those have NFC turned off)

Samsung Pay circumvents the EMV/chip requirement by sending track data to the card reader-- It tells the reader that the virtual card has no chip, even if the physical card does. This lets the swipe go through. Pretty well thought out by Samsung. The only hurdle I see is at restaurants or stores that don't have customer-facing terminals. At that point, it's more convenient to hand the physical card over.

 

[9646829]

I would use Apple Pay if my bank supported it.

 

[MacknTosh]

I love it - so easy compared to taking out a card and using Chip and PIN. Here in the UK I have used it in McDonalds, KFC, Marks and Spencer, Waitrose, and the JustEat app (which unfortunately makes ordering take away too easy...). Just a shame it is restricted to a £30 limit.....(and Pets at Home too, and Boots, and Greggs, and on a trip to London used it for the underground).

 

[0007776]

I use Apple Pay at least once every couple of days. I do my shopping at Mejier for groceries and getting gas. It's nice because the gas pumps at Mejier 's gas station have sensors for Apple Pay. Works like a charm every time. Two taps of my side button on my watch. The next thing I know, I'm pumping gas.

I've also used it at Best Buy, McDonald's, Subway, a Circle K gas station (left my debit card at home one day, this was a life saver that this station took Apple Pay), an AT&T corporate store, and the Apple Store.

I'd stopped there once for gas, and saw the sensors, but I couldn't get Apple Pay to work. That said other than gas I usually use it when I'm not using cash, and I'd say about 80% of the places that I go to that take credit cards have a working NFC reader.

 

[The Equalizer]

'High value mobile contactless payments' (the correct term) over £30 in the UK ($50 in US) are allowed by Visa/Mastercard/Amex.

See 'Can I accept transactions over £30 in my shop?')

There are several instances of this documented on the forums, particularly in the huuuge Apple Pay UK thread in the Apple Pay forum.

However it is NFC reader hardware/firmware, retailer policy and (obviously) bank card limit dependent. So always worth giving it a try for purchases over £30, particularly with Apple's supported retailers, although a recent forum post reports that Waitrose have reinstated their £30 limit.

 

[Matthew9559]

I use it at a little grocery store building right below my apartment, Whole Foods, and a vending machine at work. So actually almost daily but only in a few key locations. I usually don't remember about it when at McDonalds or a gas station etc.

I mostly use it with my Apple Watch which is an amazing experience. I just flick my wrist and double tap. Perfect simplicity.