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Has Anyone Tried Apple Pay Yet?

Thus far:

Worked:

CVS
Walgreens
McD's


Didn't work:

Subway x2: Terminals did not support contactless payments. (Hauppauge, NY area)
WalMart: Terminal did not support contactless payments.
Best Buy: The terminal DID support contactless payments - big logo. I know from media reports that the NFC was disabled by BB, but I figured, what the heck? Maybe they missed one. Touched the 6 to the terminal and BAM! Touch ID prompt comes up. Scan the finger, get the checkmark and the chime! AWESOME!! Except not. The terminal came back and said that "Contactless payments are not supported." BOOOO. :) Interestingly, I have an entry on Passbook from a town dozens of miles away for "--" amount. So it may have been disabled administratively at some regional office. <shrug>


Possible issue: Make sure that the cashier has totaled out the sale and that the terminal is really to receive payment BEFORE touching the phone to the terminal. I am beginning to believe based on a few experiences that if you touch it too early, it somehow confuses the process. Twice I've been told to "move iPhone closer to the terminal" - when it was laying ON the terminal.

This isn't a conclusion yet, but it may be that you can't do the contactless equivalent of swiping your card and entering a pin before the transaction is totaled up. Anyone have any more info to share?
 
dontwalkhand said:
We have those pumps too, You're better off tapping the phone inside. The pumps only seem to like American Express cards for NFC :/
Click to expand...

Odd. It has Visa/MC/Amex logos on the NFC area. I'd hate to have to go inside every time I want to fuel. I drive for a living and usually spend about $400/week in gas.
 
Used it at Whole Foods today:). The woman bagging not my food was super excited to see it and wanted to know all about it.
 
CoilTap said:
Further, you probably shouldn't be using your debit card that regularly anyway since if it were to be compromised, it's raw access to your bank account. Debit cards also often have fewer of the protections offered to credit cards and usually also don't have any rewards. Just use a credit card and pay it off each statement so you don't accrue interest.
Click to expand...

But isn't part of the point of all this tokenized stuff to make transactions (credit or debit) more secure? I really wouldn't have much fear using a debit card through Apple Pay if things are really as secure as they look.
 
TheAppleFairy said:
Yup, tried to add Barclay and it failed too, I am not in a rush. I am sure it will happen.

Image
Click to expand...

In the keynote when they showed this slide they said these were the banks they would be supporting with the coming months.
 

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Has Anyone Tried Apple Pay Yet?

Did my first one at Panera. Smooth.

But how does one do a refund? Haha
Btw. Didn't have to unlock the phone first either.
 
I've used it at

McD's
Rite-Aid

McDonalds worked just fine. I don't think Rite-Aid is listed as a partner yet but they have NFC terminals and it went through just fine. Rite-Aid did make me sign the receipt though.
 
Used it at Wegmans today. Still had to sign (over $50, not sure what their cut off for that is). Cashier said he had someone else use it the other day as well.
 
JackANSI said:
But isn't part of the point of all this tokenized stuff to make transactions (credit or debit) more secure? I really wouldn't have much fear using a debit card through Apple Pay if things are really as secure as they look.
Click to expand...

Yeah, in the case of Apple Pay it's more secure. But the other problem with debit cards is when you get an auth for an incomplete transaction (that may never be completed) that auth can hang on there for days and it's against your bank account.

I wasn't necessarily saying Apple Pay is insecure, but there's a multitude of reasons to use a credit card and pay it in full every month over using your debit card for anything other than the ATM.
 
viewfly said:
I meant those guys that buy wallet cases to carry their credit cards. Sort don't need them anymore.
Click to expand...

Would you travel without your credit cards?
ApplePay is great, but it's nowhere near sufficient penetration to fully replace carrying your credit cards.
 
BMcCoy said:
Would you travel without your credit cards?

ApplePay is great, but it's nowhere near sufficient penetration to fully replace carrying your credit cards.
Click to expand...


Correct. Not to mention the fact that it doesn't work everywhere yet.
 
osofast240sx said:
Went to Walgreens the cashier said "wow you can do that" shouldn't he have known?
Click to expand...

Yes he should have. Walgreens and Panera were both stores that had internal communications leaked about their training programs before Monday and the launch of :apple:pay. Seems that store managers did not always do their jobs here:(
 
osofast240sx said:
Went to Walgreens the cashier said "wow you can do that" shouldn't he have known?
Click to expand...

I was in management at a Walgreens store in the past, so I can chime in here. The management team was definitely aware that their employees should go through the training. However, in a lot of stores, there's very little time allotted to training because of budget cuts, so in all likelihood it will be weeks or even months before every cashier in the company is properly trained. Even then, it's asking a lot of some of these employees to remember what they learned even as they're walking away from the training computer. For a basic front end cashier position, they'll hire just about anyone who can kinda read and get to the store on time for their shift.
 
Went to CVS last night and used it. Was awesome. I had forgotten my wallet and then realized wait a second...Apple Pay.

Worked flawlessly.
 
Has Anyone Tried Apple Pay Yet?

BMcCoy said:
Would you travel without your credit cards?

ApplePay is great, but it's nowhere near sufficient penetration to fully replace carrying your credit cards.
Click to expand...


This will go in phases:

Novelty - looking around to try out
Integrated - can go either way at many places
Preferred - ok, ready for your phone
Ubiquitous - wow, you still have magnetic readers?

At the point when 75% of iPhones have NFC (because 4 and 5's are obsolete), the sheer buying power of applePay will make it easy to use.
 
Yeah, that's certainly all plausible..

But in the same way I carry more than one card, in case there is a (rare) problem with my preferred card, I just wonder if I'll always want to carry a card, just in case there's a problem with my iPhone, or with the store's NFC systems...

Hmm.. time will tell.
 
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