Toggle sidebar Toggle sidebar
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

Has Anyone Tried Apple Pay Yet?

wxman2003 said:
Yea, some stores require signature for any purchase over a certain amount. My grocery store is $50.
Click to expand...

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
 
goldnose said:
I used it at whole foods it was easy but I was surprised I still needed to sign at the terminal
Click to expand...
Signatures 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.
 
Bhs1975 said:
why does the screen get bright when I open passbook?
Click to expand...
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.
 
I added Amex and my Bank of America debit card seamlessly. I wasn't able to go out to buy anything but had to try Apple Pay. So I bought a new ice-cream maker via the Houzz app. Easy!
 
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.
 
mightyjabba said:
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.

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.
Click to expand...
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.
 
alee said:
Some clarity on the whole "NFC SIM" thing... which is a big misnomer...

The "secure element" is a cryptographic chip that stores secure application code/data on the device. Apple refers to this more broadly as a "secure enclave", of which Touch ID is a key part of how information stored there is secured.
Click to expand...

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.
Later Android phones, and in particular those that were compatible with Softcard/ISIS moved the secure element onto the SIM.
Click to expand...

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.
 
kdarling said:
The CPU Secure Enclave and the NFC Secure Element are two different things.

  • The Enclave is with the CPU chip, and is used to process fingerprint info.
  • The Element is in the NFC chip, and is used to process payments.
Click to expand...
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!
 
mightyjabba said:
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.
Click to expand...

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.
 
Totally worked for me on the generic nfc card reader on the vending machine at my office. I'm guessing whoever the oayment processor is for these vending machines accepts it. Was definitely surprised by it
 
Applejuiced said:
Why would you feel like a dumbass?
Click to expand...

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.
 
mightyjabba said:
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.
Click to expand...

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.
 
Applejuiced said:
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.
Click to expand...

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.
 
Oridus said:
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.
Click to expand...

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. 😀
 
Applejuiced said:
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.
Click to expand...

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.
 
Last edited:
McPc said:
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.
Click to expand...
My whole foods had :apple:Pay stickers at every register and on the doors. I think the clerk was more excited that I was using :apple: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?
 
normanfox said:
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.

I wonder why Home Depot CEO did not lose his job while Target CEO did.
Click to expand...


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.
 
You must log in or register to reply here.
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.
Top Bottom
Back