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I've been using the heck out of it here in Canada since it launched. Totally love it. I don't see why adding your card is such a barrier to adoption. You do it once and you're good. Touch ID has yet to fail for me. Really, the only thing keeping me from carrying the cards at all is that we're still only about 50-60% on places that'll take it where I am.
 
I stopped using Apple Pay months ago, simply because the TouchID is so damn unreliable.

It took me longer to finagle the stupid thing to read my fingerprint than the time it takes to pull out my credit card and even use the chip reader thing.

I use it daily, and it's truly great. I have 100% success on fingerprint recognition. Have you tried retraining it? You can also set up the same finger twice (as if it's two different fingers), which could possibly improve recognition.
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Do you mean the chip reader thing that takes like 30 seconds until it lets out a loud, horrible beep to tell you it's done? I haven't used Apple Pay, but if it's slower than that I wouldn't use it either.

The reason I use Apple Pay is that it is about four times as fast as the chip reader.
 
Apple Pay is the best. I use it at Whole Foods like 3x a week. Credit cards suck. Another card you gotta carry, magnetic stripe sometimes doesn't work, another thing to get stolen. With Apple pay, you don't have to show ID, or sign sometimes, no security risk. I just wish it was more widely available.
 
Do you mean the chip reader thing that takes like 30 seconds until it lets out a loud, horrible beep to tell you it's done? I haven't used Apple Pay, but if it's slower than that I wouldn't use it either.
In my experience, Apple Pay takes a fraction of the time that the chip reader does. It's a joy to use.
 
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In my experience, Apple Pay takes a fraction of the time that the chip reader does. It's a joy to use.

I haven't used Apple Pay yet, but chip readers, or any kind of payment processing machine, vary widely for a number of reasons. Apple pay is probably just fast because it's running on new equipment at big-name establishments. Is there some other reason it would be faster?
 
I prefer Apple Pay over credit card. But most of the places I go do not take it. I.E. Vons, CVS.

On a side note. The Apple Watch is no vet then my iPhone.
 
Maybe it's just my fingers but I have a 6+ and I have issues. I even have my right index and right thumb stored twice (taking up slots for 4 fingers) hoping that would double my chances of it reading successfully. It still doesn't work great and seems to taper off over time. Every couple of months I have to delete them and scan them in again to get them to work properly.

I would think that duplicate entries could cause more problems than it fixes. The print scan is built up like a mosaic and refined itself over time with each use filling in gaps and correcting the overlaps.

The other commenter who mentioned angle likely doesn't know that TouchID is angle agnostic. You can unlock the phone even when you have it rotated 180°.

If the sensor is not robustly working and you are under warranty, get a replacement. It shouldn't ever be slowing you down.
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I want to use mine, but I still don't know where I can use it lol
Just hold your phone next to the POS terminal. If there is NFC and Apple Pay isn't blocked, then the phone will wake automatically. Don't bother asking cashiers, they seem to be rarely informed.
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In Australia we have a "Big 4" banks - ANZ, NAB, CommBank and WestPac. Only ANZ and Amex (which is not widely accepted) support Apple Pay.

Is it any wonder there's not much use of it?
If enough customers bolt for ANZ or AMEX, the rest of the banks will fall in line.
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With 100 dollar tap limit imposed on credit card and debit card, at least in Canada, Apple Pay doesn't work with large purchase. You still need carry your wallet.

TouchID on iPhone SE is not really reliable and it can take 2 tries before it work.

The only time I found Apple Pay is convenient is where I forgot my wallet, but the bad part is when I do forgot my wallet, I am driving without driver's license.

So if you need carry your wallet all the time, why even bother to use Apple Pay?

My sister in the states bought a 21k$ new car using ANEX/Apple Pay via her Apple Watch; had to sign the receipt though.

Here in Switzerland, where there is no official Apple Pay but the NFC terminals are active and accept it, I think I only have to sign receipts over 50 CHF. I love the convenience of getting the sales receipts from the grocery as a pdf via email, and knowing I have nil security issues compared with a physical card.
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In Canada. Everyone I've talked to wants to use it. I'm using it. But hey the major credit cards signed on THIS MORNING. To gauge interest after less than a day is idiotic.
Probably wrote that article last week! LoL.
 
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This article is nonsense from a Canadian perspective. All our 5 banks now offer Apple Pay as of today in Canada. My bank started it a few weeks ago and I've used it for almost every single purchase ever since the first day it started. We have contactless payment almost everywhere in my city and I use it all the time, so far it's worked like a charm and ridiculously convenient. CIBC even stated last week that adoption has been "quite strong", I don't see that written anywhere is this "Apple is doomed" article.
 
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I've been using Apple Pay for a couple of weeks now, here in Canada - it works although it can be stubborn at times. The thing is we've had contactless pay here for quite sometime and it's just as easy to Tap my credit card and move along. We'll see if it takes off - remember ya need an iPhone 6 or better to use it and I'm not seeing very many iPhones in action.
Can do it even easier with iPhone 5s (or newer) + Apple Watch too.
 
Sure... what's good? Which service can I use with my watch seamlessly? Which one has broader adoption? CurrentC fan?
Each service has its advocates, none are more than a way for their respective companies to generate a bit of attention and the resulting income stream from their use. Cards are still the fastest easiest way to pay. They are free from batteries, don't require charging or maintenance, and remain the choice of mainstream buyers.

Use with your watch? Somehow I think you already know the answer. But lets not forget, its largely gadget lovers that buy wearables to fiddle with.
 
The only thing surprising is that the headline suggests ApplePay is doing OK inside the U.S. I think TC and co assumed ApplePay, being an Apple product, would automatically go viral after time like the iDevices did. Apple put zero marketing effort into the project, just as it ignores home kit. But especially when you are trying to break entrenched habits like whipping out a credit card some serious behavior change methods are needed.

When AP launched Apple should have promoted the hell out of it, funded contests, games w/ cheap prizes, mall demonstrations in major malls everywhere or even in Apple Stores, anything to get people's attention, raise awareness, get ordinary people excited to use it.

As it is now it's mostly Apple fans that are Apple Pay aware which is maybe 10% off all iPhone users. And only a fraction of those actually use Apple Pay. I use it w/ my AW when I can find a store I shop at that accept its. Which is another huge problem. Apple has done a good job getting banks onboard, but has dropped the ball with merchants. And that hurts the product too. If you can't use it it falls out of people's memory. I'm in DC I can think of a mere handful of chains that accept it. Pitiful. It should be, it must be, universal. But again, Apple is distracted with too many projects at one time, so everything is a moderate success at best, but nothing gangbusters.

Botton line is Apple mistakenly though a few ads and releasing press releases announcing lists of new banks would be enough. Normal people glaze over. Swipe or putting a card in a chip reader is simple -- maybe time consuming w/ a chip reader but no set up and easy concept. That is what Apple is up against and why ApplePay is a sleeper.
 
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Not entirely related to the article, but...

Noticed that my favorite locally owned coffee shop has a brand new ApplePay sticker on their front door the other day. Went inside and ordered, and noticed another sticker right on the counter, and another on the back of the cash register. When it came time to pay I asked if they accepted ApplePay now, jokingly as they were clearly advertising it all over.

The cashier said "No, sorry." without blinking or cracking a smile. I proceeded to pull out my phone and pay via ApplePay. He gave me the dumbest look I've ever seen, and didn't say another word to me.

If plastering stickers all over the store wasn't enough to make the own employees realize ApplePay, I don't know what will. It will be a long time before we get through the "clueless cashier" stage. I'm sure that uninformed cashiers can't be helping the "tepid response".
As I noted above. Forget the cashiers, they are the last to know and are often wrong. (I bought my iPhone 6 in 12/14 at the Apple Store in Zurich. Mentioned to the manager that I couldn't wait to start using Apple Pay. Despite my telling him it was related to the country of issue of the credit card, he swore up and down that it wouldn't work in Switzerland. 5 minutes after leaving the store, I paid for a Big Mac at McD. Even the Apple managers aren't always up on details.)
 
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This contradicts what I've seen in the UK. I've been really impressed by how quickly Apple Pay is taking off here, helped by the fact it's accepted almost everywhere.

I think the adage, "don't believe everything you read" has never been more true than it is today... we live in a world of sensationalist headlines, click bait articles, product reviews tainted by ad dollars, etc. Journalism is dead, unfortunately.
 
Live in the US, my banks (Chase, American Express) have supported it since launch, and yet I still never use Apple Pay. I've tried it so many times, but it is just faster and easier to swipe my Amex card.
 
Apple Pay has been out for 5 minutes in Australia on only one of the major banks. Give it time for pitty sake! Most people I know who have an iPhone and ANZ, didnt even know it was possible, or that it was just for the apple watch. Not everybody is a tech geek like us.
 
I haven't used Apple Pay yet, but chip readers, or any kind of payment processing machine, vary widely for a number of reasons. Apple pay is probably just fast because it's running on new equipment at big-name establishments. Is there some other reason it would be faster?

When using a chip reader, there is an end-to-end encrypted connection between the chip in the card and the authorization system, to prevent man in the middle and replay attacks. So, you have to wait until the transaction completes.

The tokenization standard used by Apple Pay prevents these attacks with a different method. The transaction goes much faster.
 
Each service has its advocates, none are more than a way for their respective companies to generate a bit of attention and the resulting income stream from their use. Cards are still the fastest easiest way to pay. They are free from batteries, don't require charging or maintenance, and remain the choice of mainstream buyers.

Use with your watch? Somehow I think you already know the answer. But lets not forget, its largely gadget lovers that buy wearables to fiddle with.

Only thing cards have going for them is ubiquity. They are not faster, easier or more secure than Apple Pay.

"Fiddle"? Your bias is showing. Two clicks on the watch button, hold at terminal for 1/2 second, hear the chime, feel the vibe, and Done!
 
I haven't used Apple Pay yet, but chip readers, or any kind of payment processing machine, vary widely for a number of reasons. Apple pay is probably just fast because it's running on new equipment at big-name establishments. Is there some other reason it would be faster?
I think the real question is why the chip reader processing is so slow. Apple Pay is slightly faster than swiping a card, but swiping is not an option if my card has a chip (the reader will just tell me to insert it into the chip slot). It's more convenient when I have the Apple Watch on, because I don't have to fish the wallet or phone out of my pocket. And Apple Pay is more secure than swiping, because my account number is never communicated to the store, and can't be picked up by skimming devices. The tokenized number is only good for that store, and usually just for that transaction. It's useless to anyone who intercepts the signal.

I very much prefer using Apple Pay when it's available, and given a choice, I prefer using it on the Apple Watch, because my payment method is strapped to my wrist. If I'm at the checkout in a grocery store, I'm trying to watch the prices as the groceries pass over the scanner, and I'm watching the cashier or a bagger load the groceries in canvas bags. I don't want the bananas on top of the bread, and I don't want the raw chicken with the broccoli. As the bags are filled, I'm positioning them back in my cart. This is not a time for me to be trying to find my credit cards among all the other cards in my wallet. Once the checkout is complete, my cart is loaded with my bagged groceries, and all I have to do is double tap the button on the Watch, hold it up to the terminal, press the credit key (redundant, but I'd have to do that with the card as well), sign (also redundant, but also something I'd have to do with the card), take the receipt, and go.

When I shop at a store that doesn't take Apple pay, I have to do all that, but in the middle I'm fumbling to find my card in my wallet, and at the end, I'm fumbling to get the card back in place. First world problems, I know, but I'll gladly trade all that character-building that fumbling with my wallet gains me for the extra time and security of tokenized contactless payments using my wristwatch.
 
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I stopped using Apple Pay months ago, simply because the TouchID is so damn unreliable.

It took me longer to finagle the stupid thing to read my fingerprint than the time it takes to pull out my credit card and even use the chip reader thing.
The Apple Watch makes Apple Pay work easily and fast. I use my watch all the time, when available at merchant, with ease. If I had to get my wallet out, then my phone, then login, then get app, I would like you say what is the point. The Watch is the answer if you are interested in Apple Pay.
 
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The only thing surprising is that the headline suggests ApplePay is doing OK inside the U.S. I think TC and co assumed ApplePay, being an Apple product, would automatically go viral after time like the iDevices did. Apple put zero marketing effort into the project, just as it ignores home kit. But especially when you are trying to break entrenched habits like whipping out a credit card some serious behavior change methods are needed.

When AP launched Apple should have promoted the hell out of it, funded contests, games w/ cheap prizes, mall demonstrations in major malls everywhere or even in Apple Stores, anything to get people's attention, raise awareness, get ordinary people excited to use it.

As it is now it's mostly Apple fans that are Apple Pay aware which is maybe 10% off all iPhone users. And only a fraction of those actually use Apple Pay. I use it w/ my AW when I can find a store I shop at that accept its. Which is another huge problem. Apple has done a good job getting banks onboard, but has dropped the ball with merchants. And that hurts the product too. If you can't use it it falls out of people's memory. I'm in DC I can think of a mere handful of chains that accept it. Pitiful. It should be, it must be, universal. But again, Apple is distracted with too many projects at one time, so everything is a moderate success at best, but nothing gangbusters.

Botton line is Apple mistakenly though a few ads and releasing press releases announcing lists of new banks would be enough. Normal people glaze over. Swipe or putting a card in a chip reader is simple -- maybe time consuming w/ a chip reader but no set up and easy concept. That is what Apple is up against and why ApplePay is a sleeper.
I agree in part and dissent in part.

Other major blockades in the USA:

1. merchants and card companies are making a giant cock-up of the transition to chipped card POS terminals (which have the NFC functionality built in.)

2. Some merchants lost 4 years in the giant smoking hole in the ground formerly known as CurrentC. Even if these merchants had NFC POS, they were contractually barred from supporting ApplePay due to CurrentC.

But I think Apple is moving way too slow generally outside the USA. They should be adding a couple countries every month not one every couple quarters. Lots of countries already have a very dense NFC POS infrastructure and Apple should be hitting those markets even if they are smaller. If there are not enough personnel to work in parallel, get more people.
 
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