That depends on the credit card being used
I know with my Visa card even with $200 purchases I am never asked to sighn anything while every purchase with my discover card I have to sighn every time
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Has Anyone Tried Apple Pay Yet?
- Thread starter ucfgrad93
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That depends on the credit card being used
I know with my Visa card even with $200 purchases I am never asked to sighn anything while every purchase with my discover card I have to sighn every timeSignatures are a compliance thing, not an Apple Pay thing. Transactions over a certain dollar amount require signatures at the terminal as an extra audit step.
Challenging large transactions that don't have a signature to match will result in the merchant losing the sale (the credit card company will honor the consumer's position). The only exception is ecommerce in a card-not-present transaction, in which case certain other fraud controls are employed.
I see I can set it to require one every 4 hours. Maybe I can deal with that. I guess I picked the wrong Walgreens to try.
Passbook raises the brightness automatically for better screen contrast so that scanners can read the barcodes in it. No point it in doing that for credit cards though, but it's probably just a relic of Passbook being originally used for holding barcoded passes.
This should make you shake you head. So apparently 500 million financial records were stolen by hackers from financial institutions over the past year whether through web access, online purchases, etc. Only 9% of all stolen records came from swiping debit or credit cards.
http://www.usatoday.com/story/news/politics/2014/10/20/secret-service-fbi-hack-cybersecuurity/17615029/
http://www.usatoday.com/story/news/politics/2014/10/20/secret-service-fbi-hack-cybersecuurity/17615029/
Posted this in the iOS 8 forum, but it might be more relevant here.
I tried using Apple Pay at Panera and had no success because the only cash register open had no NFC terminal. But I had to get some other stuff there, so I decided to try again when they were using a different register -- this time with a "tap to pay" sign right on it. When the time came to pay, I got my phone and asked the cashier if I could use the terminal to pay. She asked me if I was trying to pay with my phone, as if I was trying to pay with my shoe or a small duck. She had never heard of Apple Pay. Her coworker at another register said that someone (I think an employee) had tried it earlier and it was cool. My cashier said that it was a bad idea, because anybody could just take your phone and go buy stuff with it. Naturally, I had to educate her a bit on how it uses fingerprints, etc. But in the end, it turned out that the register I was at also had no terminal connected to it (the terminal next to it was connected to another register). So that meant that 2 out of 4 registers had no NFC terminal, and since there's generally no way to choose which register you get, it's completely up to chance if you can use Apple Pay or not.
I know it's just the first day (although Panera has supposedly been accepting other kinds of NFC-based payments for some time). But I think this experience really illustrates one of the biggest hurdles Apple Pay will face. If it's more difficult and potentially embarrassing to trying and pay with your phone, people are just not going to do it. I felt like a real dumbass both times, and frankly I'm not sure I'm going to try again -- at least at Panera -- until they get their act together.
I tried using Apple Pay at Panera and had no success because the only cash register open had no NFC terminal. But I had to get some other stuff there, so I decided to try again when they were using a different register -- this time with a "tap to pay" sign right on it. When the time came to pay, I got my phone and asked the cashier if I could use the terminal to pay. She asked me if I was trying to pay with my phone, as if I was trying to pay with my shoe or a small duck. She had never heard of Apple Pay. Her coworker at another register said that someone (I think an employee) had tried it earlier and it was cool. My cashier said that it was a bad idea, because anybody could just take your phone and go buy stuff with it. Naturally, I had to educate her a bit on how it uses fingerprints, etc. But in the end, it turned out that the register I was at also had no terminal connected to it (the terminal next to it was connected to another register). So that meant that 2 out of 4 registers had no NFC terminal, and since there's generally no way to choose which register you get, it's completely up to chance if you can use Apple Pay or not.
I know it's just the first day (although Panera has supposedly been accepting other kinds of NFC-based payments for some time). But I think this experience really illustrates one of the biggest hurdles Apple Pay will face. If it's more difficult and potentially embarrassing to trying and pay with your phone, people are just not going to do it. I felt like a real dumbass both times, and frankly I'm not sure I'm going to try again -- at least at Panera -- until they get their act together.
Quite shocking really how one can work in the retail/sales/service industry and not know about Apple Pay or mobile payments in general, especially at a big one like Panera (and apparently Walgreens from a similar story I heard on MR). Customers shouldn't be chastised for using a perfectly legitimate method of payment.
The CPU Secure Enclave and the NFC Secure Element are two different things.
- The Secure Enclave is with the CPU chip, and is used to process fingerprint info.
- The Secure Element is in the NFC chip, and is used to process payments.
That was true, but the carriers were in charge of what went on the SIMs and kept blocking Google Wallet. So Android dropped the need for the SIM based Secure Element last Spring. Now Android uses Host Card Emulation instead.
Guess I need to re-read.
My understanding was the enclave was a superset of processing fingerprints and encompasses data from the element, but I guess I need to review the docs again!Added 4 cards - 2 capital one, 2 chase without a problem. Now to make a late night Walgreen's run...
Why would you feel like a dumbass? You know how many places I been to and the cashiers don't even know how to process a regular credit card transaction?
Most these places have a bunch of teenagers working making minimum wage and not even properly trained how to do their job.
You shouldn't be the one embarrassed. They should be for not having a clue how to do their job.
You should have asked her if she received training on how to process nfc contact less transactions. If she don't know what that is she should ask her manager. You shouldn't be the one teaching her about it.
Use my Wells Fargo ATM card at whole foods today. Had the option of entering in my pin afterwords or hitting enter for a credit. Looks like I'll only be using credit from now on as I hate entry my pin number.
The transaction details such as the amount doesn't show up though only the time when it was transacted.
The transaction details such as the amount doesn't show up though only the time when it was transacted.
Well, with several people behind me looking on, I felt kind of like the guy who insists on using an obscure coupon, or paying in change. The cashier's attitude didn't really bother me (although I did think that they were supposed to be trained). But not having NFC terminals at all of their registers kind of makes it non-starter.
I friggin love apple pay I used it twice today. I had a iPhone but switched to a galaxy s5, however, the soft card app only took american express so i never tried it. I went to subway for lunch, lady was confused how i paid with my phone but all good, Went to office max who has NFC, even though its not apple pay it worked the same. Phone got near it and bam, finger print and done. Way fast and better then pulling out my wallet. On the receipts, the credit card number that shows is the token number and not my credit card. Nice knowing the stores don't have my actual card or name so when they have a data breach.
I know! Annoying as my main card is a debit card from them and it is a MasterCard.
I hear you.
I would ask to speak to her manager then and ask why didn't he train his staff properly on how to process all available and acceptable forms of payment. The customer shouldn't be the one training your employees.
I have a feeling this is going to go on quite a bit over the next year or so. All three places I used ApplePay at today, had NO clue wtf I was doing... especially when I said "I'm paying by phone" at the gas station when she didn't have the CC term activated because she didn't see me take out my wallet... she assumed I was using cash.
True that.
I expect to take a long time for everyone to get how it works.
Till then we will get plenty of weird looks and cashiers scratching their heads on how the payment was made with no wallet or credit card ever used.
after having to call my bank to replace my credit after Target and Home depot breaches, I insisted to use Chip and signature card everywhere I shop.
but it is really frustrating. the cashier at Staple looked at me like I had no idea how to pay. He insisted that I had to swipe. Then at Home Depot, the cashier and I tried to insert the chip card into the reader many times but then realized that it did not support chip card. again I have to swipe, knowing that Home depot is on front page news that their system was breached.
Amazingly Walmart supports chip card and their employees are very aware of chip card. but one problem: Walmart does not support Apple pay.
I wonder why Home Depot CEO did not lose his job while Target CEO did.
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My whole foods had
Pay stickers at every register and on the doors. I think the clerk was more excited that I was using Pay
Apple credit account card doesn't work? US Bank CC doesn't work. Best Buy MasterCard doesn't work.
What the hell good is this system if none of these cards work?
What the hell good is this system if none of these cards work?
I hear you. It's frustrating.
I know that many terminals are not setup for the cards with chips. And even less terminals are setup for nfc
Hope that changes down the road and our accounts information is protected better.
My whole foods had
How is Whole Foods? compared to Harris Teeter or Safeway.
I never shop at Whole Foods but saw they are building one close to my house.