Grocery Store Chains Winn-Dixie and BI-LO Begin Accepting Apple Pay

[switcher3365]

Every store here does that. It's something you're used to. No store allows you straight pricing unless it's mom and pop.

Publix is one of the few stores left that doesn't require a card. Walgreens resisted for a while but they eventually gave in.

 

[iPadCary]

My family & I use Winn-Dixie for fine quality products in our home.
Thier in-house bakery can't be beat! Especially the apple pie! Mmmmm ....

 

[wikiverse]

Then don't read them?

I for one would like to know - and it sounds like it has had a "soft rollout" in some places. Stores test market... imagine that.

Competition is brutal in the retail world, and as I thought, this was going to be a big catalyst for NFC payments in all forms in the US.

NFC Payement terminals were being rolled out anyway because Banks are no longer taking responsibility for fraud with swipe and sign. Retailers aren't willing to take on the risk themselves and so most are upgrading their hardware.

Apple is cleverly rolling out ApplePay to coincide with this, but it is in no way motivating any retailers to change their POS terminals.

Australia already has 10 times more NFC terminals than the whole of the US and 4 times more than Britain. 70% of all cashless retail transactions are tap-and-go and ApplyPay isn't even available here.

 

[GoKyu]

Nice, we have Winn-Dixie all over the place in New Orleans...didn't think grocery stores would be getting in on this. 🙂

 

[dontwalkhand]

NFC Payement terminals were being rolled out anyway because Banks are no longer taking responsibility for fraud with swipe and sign. Retailers aren't willing to take on the risk themselves and so most are upgrading their hardware.

Apple is cleverly rolling out ApplePay to coincide with this, but it is in no way motivating any retailers to change their POS terminals.

Australia already has 10 times more NFC terminals than the whole of the US and 4 times more than Britain. 70% of all cashless retail transactions are tap-and-go and ApplyPay isn't even available here.

Yes but you guys have transaction limits due to offline processing, that will be a huge limitation of Apple Pay compared to US, where every transaction is online regardless of Swipe, Chip & PIN, or NFC

 

[tmiw]

Yes but you guys have transaction limits due to offline processing, that will be a huge limitation of Apple Pay compared to US, where every transaction is online regardless of Swipe, Chip & PIN, or NFC

There's still the question of whether people will actually adopt NFC overall. Chip and signature is not that much slower than swiping if the store sets things up correctly (granted, no one checks signatures here). The fear that EMV transactions will be a lot slower is pretty unfounded.

 

[a0me]

I'm looking at you, Hy-Vee, make it happen!

For those that are excited about saving "an extra 4 seconds of time", that's only one benefits. For the me primary benefits are security and privacy. I'm willing to spend a little more at stores that get that fact vs this CurrentC bullcrap.

Is CurrentC cheaper than paying with Apple Play?

 

[oddnendz]

Is CurrentC cheaper than paying with Apple Play?

1. CurrentC is not currently operational, the point is moot.

2. Depends how you define cheaper? Will you be offered discounts by merchants to use CurrentC? probably. Will you have to spend more to defend yourself against possible identity theft when CurrentC is hacked and your information is stolen? yes

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Is MR going to write a story every time the discover a new company that is accepting NFC payments?

Almost always one of the top comments is "x company had been accepting apple pay from launch because they already had NFC."

This is just getting ridiculous.

Yes, MR will have too. Because most of us want to see every MCX member capitulate to Apple Pay.

 

[lombax54]

Question: Are any vendors that support Apple Pay limiting the size of the transaction? I ask because in Australia if you just use tap to pay the limit is usually $100. But tap to pay only requires possession of a chipped credit card. There is no pin verification. To go over $100 you need to insert the credit card and use a pin.

Saw a guy at an Apple Store buy a Macbook Pro with Apple Pay ($1300+) the other day.

 

[TraceyS/FL]

NFC Payement terminals were being rolled out anyway because Banks are no longer taking responsibility for fraud with swipe and sign. Retailers aren't willing to take on the risk themselves and so most are upgrading their hardware.

Not totally true. The shift of risk doesn't require NFC. There will be merchants that buy readers that don't have the software side to support NFC. It isn't a given that every merchant with an NFC capable reader will ever be able to take them.

But if they were pondering it, the time to do it is at a hardware upgrade.

There's still the question of whether people will actually adopt NFC overall. Chip and signature is not that much slower than swiping if the store sets things up correctly (granted, no one checks signatures here). The fear that EMV transactions will be a lot slower is pretty unfounded.

I've heard plenty of complaints about the slow transactions at Walmart as a cashier at target. They all actually express happiness that ours aren't on yet since Walmart and SAMs are slow.

So then the have something set up wrong?

 

[wikiverse]

Yes but you guys have transaction limits due to offline processing, that will be a huge limitation of Apple Pay compared to US, where every transaction is online regardless of Swipe, Chip & PIN, or NFC

There are no transaction limits. Anything over $100 simply requires you to enter a PIN. Anything under $100 has no PIN.

I've made purchases of of $5000+ with PayPass + PIN.

 

[a0me]

1. CurrentC is not currently operational, the point is moot.

Are you sure? If it's not operational how can it be hacked (http://money.cnn.com/2014/10/29/technology/security/currentc-app-hacked/) and what do the apps in the App Store and Google Play actually do?

Anyway, my questions was not about how fully operational or how backward a system it sounds like, but what were the benefits for consumers. If using CurrentC offered cheaper prices, it would be an obvious benefit.

 

[wikiverse]

There's still the question of whether people will actually adopt NFC overall. Chip and signature is not that much slower than swiping if the store sets things up correctly (granted, no one checks signatures here). The fear that EMV transactions will be a lot slower is pretty unfounded.

70% of ALL electronic transactions are tap-and-go in Australia.

NFC is in stores, on parking meters, vending machines, taxis... everywhere.

Swipe and Sign has been phased out completely as of August 2014.

ApplePay and GoogleWallet do not exist here and there are already 10 times the number of NFC terminals than in the entire US. NFC technology will do just fine even without mobile payments.

 

[TraceyS/FL]

Are you sure? If it's not operational how can it be hacked (http://money.cnn.com/2014/10/29/technology/security/currentc-app-hacked/) and what do the apps in the App Store and Google Play actually do?

Anyway, my questions was not about how fully operational or how backward a system it sounds like, but what were the benefits for consumers. If using CurrentC offered cheaper prices, it would be an obvious benefit.

It is in beta testing for some companies, like target. It requires a register update so it is only happening in certain stores.

 

[tmiw]

70% of ALL electronic transactions are tap-and-go in Australia.

NFC is in stores, on parking meters, vending machines, taxis... everywhere.

Swipe and Sign has been phased out completely as of August 2014.

ApplePay and GoogleWallet do not exist here and there are already 10 times the number of NFC terminals than in the entire US. NFC technology will do just fine even without mobile payments.

Note that my comments were just about the US, not anywhere else. The US actually got contactless payments a decade ago but they failed miserably. People were actually requesting that banks replace their cards with non-NFC capable ones because of security fears (as unfounded as they were).

I've heard plenty of complaints about the slow transactions at Walmart as a cashier at target. They all actually express happiness that ours aren't on yet since Walmart and SAMs are slow.

So then the have something set up wrong?

As an example, my Bank of America chip and signature card was authorized extremely quickly at a 7-11 in Brisbane when I went to Australia earlier this year. Target also seems to authorize transactions incredibly quickly when swiping, so unless they really mess something up it probably won't be much slower there at least.

 

[TraceyS/FL]

. Target also seems to authorize transactions incredibly quickly when swiping, so unless they really mess something up it probably won't be much slower there at least.

Well, they are a CurrentC member.... They can muck it up 😛

The new readers authorize insanely fast, I hope it continues when they turn in the chip readers.

 

[doelcm82]

Winn Dixie is real? Well I never!

I had only heard of this store from the kids movie "Because of Winn Dixie" and never knew it was actually a real store!

We used to have Winn Dixie in my area, but they closed up. So I knew they were real.
Another supermarket chain that exists is Rouses. I'm pretty sure that in The Princess Bride, Wesley says they don't exist, but they do.

My mother used to have a cat named Special. Its full name was Super S Special, because my mother found it as a kitten in the parking lot of a Super S grocery store.

 

[dontwalkhand]

We used to have Winn Dixie in my area, but they closed up. So I knew they were real.
Another supermarket chain that exists is Rouses. I'm pretty sure that in The Princess Bride, Wesley says they don't exist, but they do.

My mother used to have a cat named Special. Its full name was Super S Special, because my mother found it as a kitten in the parking lot of a Super S grocery store.

Same story of my sisters dog, Target, found in a Target parking lot. I should ask the dog why he chose CurrentC over Apple Pay 😎

 

[doelcm82]

70% of ALL electronic transactions are tap-and-go in Australia.

NFC is in stores, on parking meters, vending machines, taxis... everywhere.

Swipe and Sign has been phased out completely as of August 2014.

ApplePay and GoogleWallet do not exist here and there are already 10 times the number of NFC terminals than in the entire US. NFC technology will do just fine even without mobile payments.

In the US, most places have switched (unofficially) to Swipe-and-Go. If the transaction is below about USD30, they don't ask for signature or ID.

It's really convenient, and tap and go will be even more convenient, but I don't like the idea that anyone who has my card can buy stuff with it and no one even checks if it is me.

With Apple Pay, every transaction is validated with my fingerprint. I like that.

Using Apple Pay, I can't send my young son into the liquor store with my credit card to pick up some whisky and a pack of cigarettes for his old man, so I expect some people won't find the extra security more a problem than a help, but I don't have a young son, don't drink enough to buy whisky at a liquor store, and don't smoke, plus the liquor store wouldn't sell cigarettes and liquor to a young boy anyway, so those aren't problems for me.

 

[FieldingMellish]

Not only will I not use Apple pay, I'll dig into pockets and come up with a fistful of change and crumpled dollar bills of various denominations and start sorting it out at the point of sale.

 

[ILikeAllOS]

As a local Floridian, I wish Publix would jump on, but they are part of that crap CurrentC group. Publix is just so much closer to me than Winn-Dixie.

And far superior.
Winn-Dixie quite frankly, is a trashy grocery store chain, up there with Kash n Kerry (which was acquired by Sweetbay, another trashy place, which is now just rebranded as Winn-Dixie). Everyone knows in Florida, you go to Publix.
If you're a granola girl, then go to Whole Foods. If you're into oddities, go to Trader Joes. Everything else, go Publix or go home.
Too bad Publix is part of that MCX consortium though, would love to use Apple Pay there. 🙁

 

[djphat2000]

70% of ALL electronic transactions are tap-and-go in Australia.

NFC is in stores, on parking meters, vending machines, taxis... everywhere.

Swipe and Sign has been phased out completely as of August 2014.

ApplePay and GoogleWallet do not exist here and there are already 10 times the number of NFC terminals than in the entire US. NFC technology will do just fine even without mobile payments.

I find this to be so amazing. One country has a whole population that "knows" about this technology and uses it daily. While my wonderful Americans mostly had zero, nada, zip, zilch, no clue as to what I was doing with my phone on there NFC based terminals.
🙁

 

[TraceyS/FL]

I find this to be so amazing. One country has a whole population that "knows" about this technology and uses it daily. While my wonderful Americans mostly had zero, nada, zip, zilch, no clue as to what I was doing with my phone on there NFC based terminals.
🙁

That is the main thing that (some) people outside of the US can't seem to grasp.

As a whole, this is a fancy new trick to everyone. The push that having Apple Pay will create is not to be underestimated. It is what brings NFC here in the states mainstream. Maybe in 10 years we can reach the penetration of Australia, at least by then NFC will be common and whatever follows will be trying to take hold.

 

[dontwalkhand]

That is the main thing that (some) people outside of the US can't seem to grasp.

As a whole, this is a fancy new trick to everyone. The push that having Apple Pay will create is not to be underestimated. It is what brings NFC here in the states mainstream. Maybe in 10 years we can reach the penetration of Australia, at least by then NFC will be common and whatever follows will be trying to take hold.

Let's not forget that we have had PayPass and payWave before Australia or UK even did. But because chip and PIN is much slower than swiping and signing, they benefitted more from PayPass than we did- hence why it took off in other countries. In the US, PayPass is about the same speed as swiping, especially since retailers instituted swipe & go, rather than swipe & sign for under $25-$50., similar to a PayPass transaction limit in the UK. PayPass to them is similar to our swipe and sign nothing in the US- in terms of speed.

Now that we are also getting chip card payments, expect PayPass and payWave as well as Apple Pay etc to take off because chip payments are slower and require more steps, consumers, as well as retailers will want to encourage the speedier payment method to keep lines moving.

Look on your US issued credit cards now, chances are it has PayPass or payWave, mine do, and I did use it a lot before Apple Pay

 

[macduke]

I didn't know you had HyVee stores. I am in Iowa and they are all over the place since this is there HQ.

HyVee came to my home town outside of KC around the mid-90s. I worked there for a few years back in the day.

Hy Vee is in bed with MCX/CurrentC I'm afraid. Their logo is in the scrolling list here: http://www.mcx.com/

That's too bad. Damn, I didn't realize that they've wrapped up just about every gas station. I was really looking forward to quickly paying at the pump. The gas station is always a place that I stop at when I'm running late.

I wish that Apple Pay could also always pick 87 gasoline, no car wash, no receipt. Too many buttons, and I always make the same selections.