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Has Anyone Tried Apple Pay Yet?

dontwalkhand said:
Google isn't that great at marketing. See: Google Buzz, Google+ (sucks), Google Video, etc. The only thing they had going for them is Gmail, Android (which they bought), Search, and YouTube-
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They bought Youtube as well.

I would venture a guess that the vast majority of iPhone owners don't know that Google Wallet is available for iPhone. Granted, it wouldn't do NFC... But it was an option.

Part of the problem with Google Wallet is that your card isn't actually used at the vendor.. Google pays them through Mastercard. So some reward programs that rely on you buying things with your card won't work.

Google also had lots of issues with the fact that carriers blocked the adoption of Google Wallet on the handsets on their network.. In one article I read, a journalist went to test Apple Pay at a store that he had tested Google Wallet at two years before... And the clerk said that no one had used Google Wallet since he had!

Also, back in the day, the Nexus was the only phone that supported Wallet. That changed - eventually - but I think it's safe to say that the ship had sailed by then.

The funny part is that Apple Pay might actually revitalize (interest in) Wallet.. So perhaps Google has a second chance to market the thing correctly.
 
Went to Subway today. Didn't see an NFC terminal so I asked if they took Apple Pay. The cashier got very excited and pulled out a device that was plugged into his register that had a screen with the contactless payments logo on it. I held the top end of my phone up to it while placing my thumb on the TouchID and within seconds got the buzz declaring it had worked.

The cashier told me I was the second person to use Apple Pay at that location so far. I should have asked for a free 6" sub for the honor. ;)
 
alinefx said:
Erm, sorry the future was 4 years ago with google wallet and the nexus S. Any card, any bank - even back then - no "preferred provider" methods and time - wasting "verification" of your card. Gotta love apple marketing.
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Erm.

And exactly how many people used it?

More people probably used Apple Pay on the first day than Google Wallet in the entire last four years.

What's next? You're going to tell everyone that fingerprint scanning wasn't invented by Apple?

Point is, we have thousands of technologies available now. Unless a company like Apple can mainstream market it and make people want to use it, these techs are wasted.

And by the way. You missed out on speed pass from Mobile if you think Google Wallet was the future four years ago.
 
just used it at wholepaycheck.. so fast, so easy.

now if the dmv can make an electronic driver's license.. then i can go sans wallet.
 
Is anyone else having crashing issues when you try to add a card using the camera? As soon as I line up the card in the view box with the camera passbook crashes 100% of the time.
 
No, I'm afraid that it works for me. Have you tried rebooting? If you have, you might have to restore as new.

(My only issue is that I was moving the card away from the camera as soon as something was recognized. This is a mistake, as continuing to hold the card in-frame will often allow other parts of the card to also be recognized.)
 
Used Citi at Walgreens yesterday. No problem except that I got so excited I couldnt remember my pin.
 
Steve686 said:
Erm.

And exactly how many people used it?

More people probably used Apple Pay on the first day than Google Wallet in the entire last four years.

What's next? You're going to tell everyone that fingerprint scanning wasn't invented by Apple?

Point is, we have thousands of technologies available now. Unless a company like Apple can mainstream market it and make people want to use it, these techs are wasted.

And by the way. You missed out on speed pass from Mobile if you think Google Wallet was the future four years ago.
Click to expand...
He also missed out on the fact that I and many others have had debit cards from Wells Fargo, Chase, etc, that has had NFC in it in the form of PayPass, for about say, ten years or so.
 
I can't wait to use it, but right now NONE of my cards / bank accounts can be used with it. Hoping to see more out there in the upcoming months so I can get in on this.
 
Steve686 said:
Erm.

And exactly how many people used it?

More people probably used Apple Pay on the first day than Google Wallet in the entire last four years.

What's next? You're going to tell everyone that fingerprint scanning wasn't invented by Apple?

Point is, we have thousands of technologies available now. Unless a company like Apple can mainstream market it and make people want to use it, these techs are wasted.

And by the way. You missed out on speed pass from Mobile if you think Google Wallet was the future four years ago.
Click to expand...

Bingo.

It's not 'who comes out with the technology first' that's important

It's who has the ecosystem, marketing genius, customer base, superior products that makes it actually of significance.

I know ONE person who's ever used google wallet. I

know over TEN people who used Apple Pay in the first 3 days of its existence
 
I have a Citi MasterCard but it does not work. I thought Citi has support? Message I get is card issuer is not supported.
 
I was about to pull out my wallet to pay at Jamba Juice when I noticed the register had an NFC terminal. I asked the cashier if I could try paying with my phone. He was in the middle of telling me that their system doesn't work with iPhones when I swipped my 6+ next the the terminal and saw the message "done".
 
ApplePhy said:
Bingo.

It's not 'who comes out with the technology first' that's important

It's who has the ecosystem, marketing genius, customer base, superior products that makes it actually of significance.

I know ONE person who's ever used google wallet. I

know over TEN people who used Apple Pay in the first 3 days of its existence
Click to expand...

I went to change the CC I use for my storage unit yesterday. Got into a discussion of why I changed banks, which led to a discussion of Apple Pay.

Both the ladies in the office had Samsung phones.

Their comment? "Oh, that's going to be Apple only, huh? Too bad they don't have something like that for Android."

They were dumbfounded when I told them that Google Wallet had been around for a few years now. They had zero clue.

At least one of them wants an iPhone now.

On a related note, my informal poll of iPhone owners IRL thus far indicates that pretty much no one knows that Google Wallet is available for iOS.

So yeah, pretty much Google is the marketing fail whale. Apple, meanwhile, really should be playing up the security of Apple Pay to encourage widespread adoption. While Apple Pay transactions are indeed quick and painless, they aren't THAT much faster than swipe, especially at merchants who don't require signatures for under $25. What sells it for me - and I'm an IT security type who has read Apple's security documentation on it - is the security.

(Caveat: Apple's security documentation doesn't answer all my questions, but it at least leads me to believe that they know what they are doing, which engenders a favorable level of trust).
 
teabonesteak said:
now if the dmv can make an electronic driver's license.. then i can go sans wallet.
Click to expand...

Good luck at the gas pump... :cool:

Liability shift deadline for fuel sellers to be using EMV capable terminals isn't until October 2017, so they don't have as much incentive to upgrade their systems as the merchants facing the October 2015 deadline.

(technically the fraud liability shifts to the acquirers, i.e. the companies who front end card processing for merchants, but logic says the acquirers will create incentives for merchants to switch by the deadline. No, EMV capable terminals DON'T necessarily have to support NFC payments, but if you're a merchant who already has to change out your terminals anyway you may well want that capability. Especially if you're seeing customers switch to competitors who do accept NFC payments.)

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JoeTomasone said:
So yeah, pretty much Google is the marketing fail whale. Apple, meanwhile, really should be playing up the security of Apple Pay to encourage widespread adoption.
Click to expand...

I'll be very surprised if Google doesn't implement EMV tokenization within Google Wallet before late 2015. While Apple is certainly leading the charge here (and taking credit for it, as you'd expect), I don't believe the underlying technology is proprietary to Apple alone.

In fact if Google gets on board that would be a good thing.
 
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JoeTomasone said:
On a related note, my informal poll of iPhone owners IRL thus far indicates that pretty much no one knows that Google Wallet is available for iOS.
Click to expand...

It is, but I think it's a little misleading to say that to people who don't know much about these various systems. It's not like you can use the iOS version of Google Wallet to pay in stores in the same way that you can with Apple Pay.

I agree that the security aspect is really the major advantage of Apple Pay. While as a geek I like the idea of paying with the phone, it realistically isn't that much of a time advantage. And for the moment anyway, any minor time advantage is more than outweighed by the uncertainty about where it can be used and store employees' lack of knowledge of how to handle it.
 
deeddawg said:
I'll be very surprised if Google doesn't implement EMV tokenization within Google Wallet before late 2015. While Apple is certainly leading the charge here (and taking credit for it, as you'd expect), I don't believe the underlying technology is proprietary to Apple alone.

In fact if Google gets on board that would be a good thing.
Click to expand...

No, but Google has a more fundamental change they would have to make. They actually handle the token, and charge your account themselves, paying the merchant with MasterCard. The EMV tokenization process, as I understand it, specifies the issuer as the token holder, which is why that is the way that Apple Pay is set up. Google would have to pretty much start over to adopt the actual standard and to get Wallet to the same level of security and privacy as Apple Pay, and I don't think they are likely to lose the data they are getting from the transactions (which, after all, is important to their actual business) unless they are forced to by external pressures. Apple Pay could well turn out to be the thing that eventually causes that change; or at least compels some internal discussion.
 
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...


I was just being funny. No, I would not. And I can't travel with only a few cards that those wallet phone cases allow either.
 
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