How am I supposed to know what stores accept Apple Pay?

mactumors

macrumors 6502
Original poster
Aug 3, 2008
304
27
Once mores stores sign up, how am I supposed to know which NFC registers have an Apple Pay deal?
 

mactumors

macrumors 6502
Original poster
Aug 3, 2008
304
27
The payment terminal will look like:
That's the problem, though. Lots of stores have terminals that look like that with the NFC logo. Not all of them are going to be accepting Apple Pay.
 

Supermallet

macrumors 65816
Sep 19, 2014
1,307
656
I suggest using Apple Pay at every store, and if the cashier says they don't accept it, shout "WHAT DO YOU MEAN YOU DON'T TAKE APPLE PAY?!" repeatedly until they enable Apple Pay just to make you stop.
 

myscrnnm

macrumors 65816
Sep 16, 2014
1,408
874
Seattle, WA
Really? I'm confused then...ApplePay isn't just their branding of NFC? That's kind of silly. :(
Nope. NFC is simply the hardware technology that Apple Pay utilizes for communication with PoS systems. The actual mobile payments are based on dynamic security codes for authentication (essentially tokenization similar to that found on the Bank of America/Merrill Edge SafePass).
 

terraphantm

macrumors 68040
Jun 27, 2009
3,741
557
Pennsylvania
Only if the vendor is an ApplePay partner.
Applepay is transparent to the terminal. Most of the magic is happening at the bank end. If your bank supports Apple pay, it will work at any NFC terminal.

Apple's deals were about securing commitments from retailers to support NFC (and thus Apple Pay) by the time it launches
 

Surf Monkey

macrumors 68030
Oct 3, 2010
2,687
474
Portland, OR
Applepay is transparent to the terminal. Most of the magic is happening at the bank end. If your bank supports Apple pay, it will work at any NFC terminal.

Apple's deals were about securing commitments from retailers to support NFC (and thus Apple Pay) by the time it launches
You sure about that? For example: just because a store has a credit card reader doesn't mean they take MasterCard. You seem to be saying that if a store has an NFC capable reader it'll take ApplePay. I don't think that's correct...
 

powerstrokin

macrumors 6502a
May 18, 2013
696
1
Applepay is transparent to the terminal. Most of the magic is happening at the bank end. If your bank supports Apple pay, it will work at any NFC terminal.

Apple's deals were about securing commitments from retailers to support NFC (and thus Apple Pay) by the time it launches
You sure about that? For example: just because a store has a credit card reader doesn't mean they take MasterCard. You seem to be saying that if a store has an NFC capable reader it'll take ApplePay. I don't think that's correct...
Walmart uses those NFC terminals pictured above, but they are not partnered with ApplePay.

Terraphantm - 0
Surf Monkey - 1

Next round! Fight!
 

The Doctor11

macrumors 603
Dec 15, 2013
5,923
1,334
New York
My understanding of it is that NFC is just another payment method and Apple is using it through Apple pay. So my brain is telling me it will work at all places that accept NFC. And burger king just put NFC things at my local stores. No Apple pay sign any where. Im going to assume that it has something to do with Apple pay and not just a coincidence they pop up just after Apple pays announcement.
 

Surf Monkey

macrumors 68030
Oct 3, 2010
2,687
474
Portland, OR
My understanding of it is that NFC is just another payment method and Apple is using it through Apple pay. So my brain is telling me it will work at all places that accept NFC. And burger king just put NFC things at my local stores. No Apple pay sign any where. Im going to assume that it has something to do with Apple pay and not just a coincidence they pop up just after Apple pays announcement.
Unless an Apple logo gets stickered on those boxes? No go. Same as Visa and MasterCard etc.. No logo, no go.
 

myscrnnm

macrumors 65816
Sep 16, 2014
1,408
874
Seattle, WA
My understanding of it is that NFC is just another payment method and Apple is using it through Apple pay. So my brain is telling me it will work at all places that accept NFC. And burger king just put NFC things at my local stores. No Apple pay sign any where. Im going to assume that it has something to do with Apple pay and not just a coincidence they pop up just after Apple pays announcement.
No. NFC is just a hardware-based technology, like Wi-Fi, Bluetooth, or RFID. Apple Pay actually has a proprietary software portion that dictates what is happening when your iPhone or Apple Watch communicates with a PoS system. NFC can just as easily be used to transmit videos from a smartphone to an NFC-enabled television.
 

alee

macrumors 6502
Jul 13, 2008
471
323
New York, NY
You sure about that? For example: just because a store has a credit card reader doesn't mean they take MasterCard. You seem to be saying that if a store has an NFC capable reader it'll take ApplePay. I don't think that's correct...
The tokenization handling happens upstream. FirstData, MasterCard etc. (tier 1 processors) know what to do with it. The whole point is the store shouldn't know or care about the credit card. Just that it was accepted or declined. Obviously if the store doesn't take MC or Amex then it reads as an invalid card as usual.

Apple Pay isn't some mystical new idea. The way they do tokenization is clever but the general methodology has existed for a while. The consumer end is just regular NFC as credit card companies, Google and Softcard have been doing for years.
 

mcdj

macrumors G3
Jul 10, 2007
8,900
4,091
NYC
How long til a jailbreak app lets us use vanilla NFC payments? I don't envision Apple Pay getting into every cab in NYC on launch day, if ever, but every cab in NYC already has NFC.
 

mailboxbetacoin

macrumors 6502
Aug 19, 2014
280
1
You sure about that? For example: just because a store has a credit card reader doesn't mean they take MasterCard. You seem to be saying that if a store has an NFC capable reader it'll take ApplePay. I don't think that's correct...
ApplePay is a wallet; at the end as a consumer, you still pay with a Mastercard, Visa, Amex... via ApplePay.

ApplePay is using a standard developed by those companies, and therefore yes, the contactless terminals are virtually all compatible with ApplePay. (from a technology standpoint)

Now compatible doesn't mean it will always work; in the case of small merchants that have those terminals, it should almost always work (unless you're using ApplePay with an american express with a merchant that doesn't accept Amex for example). Apple has secured agreements with Visa, Amex, Mastercard and the largest banks, so as long as they're the only major actors in a transaction, the transaction will go through. It won't cost more to the merchant or the consumer, so there will be no reason for this to be disabled.

For larger companies like Walmart, the transactions costs are negotiated at another level, and accepting ApplePay probably means higher costs at the end. Only if ApplePay becomes ubiquitous will they have to finally accept it.

SO long story short, yes most NFC terminals are compatible out of the box with ApplePay, but may have it disabled the same way terminals have some credit card brands disabled for one reason or another.
 
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