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

[TraceyS/FL]

What part of this is on the bank? If you have a credit card, does that company have to participate? Or a debit card, does your bank have to participate? Seems like I saw more things saying this or that bank is participating than retailers.

Also, the way Apple works(not complaining) you'd think some of these big places that are saying there not going to accept Apple Pay(Walmart, Best Buy) would get pressured into by Apple. They could easy hold back product or something to get a place to accept I would think.

The bank has to agree to Apple Pay, this is required for them to authenticate the card you add. This could be the biggest hurdle in the long run.

Merchants just need to have the NFC readers, and turn that on in their merchant agreements. It won't magically make your Amex work somewhere that doesn't take it with a card.

But everyone hoping to use it needs to be more concerned about the bank end if you aren't with one of the major ones listed.

In my opinion, NFC will become more common, but you might have a hard time convincing "small town bank" to sign on.

 

[Ntombi]

The card issuers have to participate for you to be able to use Apple Pay. If you don't know about the banks/credit unions that issue your cards, contact them and ask.

Unfortunately, my credit union hasn't signed on yet. The credit union my friend uses, which is in the next town over, has. I've already sent an e-mail and plan to follow up in person with my credit union's manager.

 

[jjk454ss]

The bank has to agree to Apple Pay, this is required for them to authenticate the card you add. This could be the biggest hurdle in the long run.

Merchants just need to have the NFC readers, and turn that on in their merchant agreements. It won't magically make your Amex work somewhere that doesn't take it with a card.

But everyone hoping to use it needs to be more concerned about the bank end if you aren't with one of the major ones listed.

In my opinion, NFC will become more common, but you might have a hard time convincing "small town bank" to sign on.

The card issuers have to participate for you to be able to use Apple Pay. If you don't know about the banks/credit unions that issue your cards, contact them and ask.

Unfortunately, my credit union hasn't signed on yet. The credit union my friend uses, which is in the next town over, has. I've already sent an e-mail and plan to follow up in person with my credit union's manager.

Thanks for the info. I take it there's no place with a list of banks/credit unions/merchants signed up? Might be a good idea to get a thread where we can compile a list as people confirm who is/isn't signed on.

 

[myscrnnm]

Thanks for the info. I take it there's no place with a list of banks/credit unions/merchants signed up? Might be a good idea to get a thread where we can compile a list as people confirm who is/isn't signed on.

Under Participating Banks.

 

[Ntombi]

That's not a complete list. I know of at least two regional credit unions and a regional bank not on the list, but who have told their members/customers that they'll be participating.

 

[jjk454ss]

Under Participating Banks.

Haha, I saw that, but I'm pretty sure more than 6 banks are going to participate. I actually found a news article stating that Huntington(my bank) is going to participate as soon as possible. My credit cards are from pretty large banks, but I didn't check them yet.

 

[michael31986]

Hope Td bank adds it soon!

 

[scapegoat81]

Hope Td bank adds it soon!

My thoughts on TD. My wife & I also use TD for all our banking needs. We both have TD debit cards which are Visa branded. Now, Apple Pay is supported with Visa but not with TD Bank. Would Apple Pay still work at every terminal b/c it's essentially a Visa card ? Or would I have to sign up for a Wells Fargo account/debit card ??

 

[caesarp]

My thoughts on TD. My wife & I also use TD for all our banking needs. We both have TD debit cards which are Visa branded. Now, Apple Pay is supported with Visa but not with TD Bank. Would Apple Pay still work at every terminal b/c it's essentially a Visa card ? Or would I have to sign up for a Wells Fargo account/debit card ??

Your card issuing bank must accept tokenization. It's not the card brand it's the bank.

 

[sviato]

You take your phone out and try to pay with it. If they tell you that they don't accept it, tell them to have a nice day. Eventually they will all accept it.

 

[Knowimagination]

You take your phone out and try to pay with it. If they tell you that they don't accept it, tell them to have a nice day. Eventually they will all accept it.

my thoughts exactly! The best way to get stores to accept it is for millions of iPhone users to say ok I will go shop somewhere that does accept it. Apple alone can only do so much but if iPhone users really want it to be adopted we should just make sure to vote with our (digital) wallet.

 

[d.steve]

That's not a complete list. I know of at least two regional credit unions and a regional bank not on the list, but who have told their members/customers that they'll be participating.

Did they say they'll be ready at rollout?

Apple is probably only going to list those who are signed up and ready to participate when it goes live.

Those who have decided they "will be participating" but haven't reached a certain stage of readiness won't be listed. You don't really want to confuse people by listing banks/places that want to do it that aren't yet going to be doing it...

 

[d.steve]

You take your phone out and try to pay with it. If they tell you that they don't accept it, tell them to have a nice day. Eventually they will all accept it.

Really?

I can certainly see myself choosing where to buy based partially on whether they support it or not - like cvs vs walgreens but not like Peets vs Starbucks.

But I can't imagine spending the effort to go somewhere to buy something, then abandon it and drive somewhere else to do it all over again because they don't support apple pay.

That's a pretty hard core level of advocacy - and more power to you but I can't imagine enough people doing it to make the necessary difference.

And what if there's nowhere that supports apple pay for a particular item? What are you going to do? Example: what if no gas stations accept Apple pay for gas? You not going to buy gas anymore or pay cash? Make it a point to drive up, say, "oh, sorry you don't accept Apple pay" and drive off?

 

[JoeTomasone]

Really?

I can certainly see myself choosing where to buy based partially on whether they support it or not - like cvs vs walgreens but not like Peets vs Starbucks.

But I can't imagine spending the effort to go somewhere to buy something, then abandon it and drive somewhere else to do it all over again because they don't support apple pay.

That's a pretty hard core level of advocacy - and more power to you but I can't imagine enough people doing it to make the necessary difference.

And what if there's nowhere that supports apple pay for a particular item? What are you going to do? Example: what if no gas stations accept Apple pay for gas? You not going to buy gas anymore or pay cash? Make it a point to drive up, say, "oh, sorry you don't accept Apple pay" and drive off?

I don't think that anyone realistically will be that hardcore.

I, personally, WILL be diverting my business away from merchants that don't support it - or use cash at those that I still shop with. I've shopped at too many breached merchants in the past few years.

I also will not be embracing CurrentC - which is run by a consortium of merchants who largely have not earned my trust in securing my credit card details. And yes, with CurrentC, the tokenization stops at the merchant.

I am also in the process of switching banks as my current bank (Regions) has no announced plans to support Apple Pay.

There are still some questions regarding the security of Apple Pay - like, for example, how the Device Number is decided on and linked to the credit card number (PAN) between the iPhone and the issuing bank. However, even if it were vulnerable, better a one-time vulnerability than being vulnerable every time (regular card use), having the CC# stored with Target, Home Depot, or the next breached vendor (CurrentC), or with a card that doesn't offer much more protection except in cases of outright theft (EMV - chip and pin - which was hacked 4 years ago, mind you).

 

[Ntombi]

Did they say they'll be ready at rollout?

Apple is probably only going to list those who are signed up and ready to participate when it goes live.

Those who have decided they "will be participating" but haven't reached a certain stage of readiness won't be listed. You don't really want to confuse people by listing banks/places that want to do it that aren't yet going to be doing it...

Good question. I don't know the answer.

I'm still on the sidelines regardless, since my own credit union hasn't decided yet.

 

[michael31986]

No, companies have to accept it. Especially with Apple's implementation I think it's going to be different than even Android phones. Some places have NFC terminals but are not going to accept Pay.

Why not? See this is why I get confused. What is difference between Apple pay and nfc payments. Won't Apple pay work at any store with nfc payments.

 

[wxman2003]

Another 2 major chains announced they got hacked. K-Mart and Dairy Queen. I can't wait until Apple Pay starts. I tired of swiping my cards not knowing if it will be compromised yet again. Just this year, I had my debit card replaced 3 times by my bank because of issues with Target, Home Depot, etc. Luckily they are on top of it and replaced them before my card was used, but I never want to carry credit cards ever again. I hope the banks finally start demanding the stores change or they should be held fully responsible for fraudulent charges.

 

[QuarterSwede]

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

Not every Walmart has NFC terminals. The one in my town doesn't. They probably don't accept any NFC payments until they are rolled out company-wide. When I worked at Rite Aid, that's how it worked... my store got NFC terminals before many others, and we had to wait six months or so until they were installed nationwide before ours were turned on.

For what it's worth, ours did not have any sort of Google Wallet logo or signage, yet it was still accepted. In fact, I never saw anyone use an NFC card; everyone who ever used the system at my register used an Android phone. Not that many did, though. I worked there for a year and a half, and for about a year of that we had NFC enabled, and I saw it used 2 or 3 times only.

I had an NFC card and used NFC on it once. The reason I chose to swipe instead of tap was purely speed. NFC took 3 seconds to authenticate. In that time I could've swiped, put it in my wallet, and put that into my pocket. NFC is just sloooooow. The reason it's compelling on phones is because you have those with you and could potentially leave the wallet at home (and Apple Pay is very secure). On a card it's not helpful at all.

 

[BruiserB]

Why not? See this is why I get confused. What is difference between Apple pay and nfc payments. Won't Apple pay work at any store with nfc payments.

During the Keynote it was stated that ApplePay will work anywhere displaying the generic NFC payment symbol. If the store accepts NFC payments, then they will accept ApplePay.

 

[TraceyS/FL]

There are still some questions regarding the security of Apple Pay - like, for example, how the Device Number is decided on and linked to the credit card number (PAN) between the iPhone and the issuing bank. However, even if it were vulnerable, better a one-time vulnerability than being vulnerable every time (regular card use), having the CC# stored with Target, Home Depot, or the next breached vendor (CurrentC), or with a card that doesn't offer much more protection except in cases of outright theft (EMV - chip and pin - which was hacked 4 years ago, mind you).

I believe CurrentC is going to be on the model of Targets debit card, an ACH payment. so you link your checking account and it goes thru that way. Thereby eliminating the CC processing end fees tot he merchant. Which is their goal.

Target debit cards weren't hacked from everything I've read/been told. With mine the day of the breach announcement I logged on and changed my PIN number, and it was then useless to them anyway. I was happy all of my 28 purchases were confined to that card. I've had it for 4 plus years and no issues. Payments take 2-4 days to clear with USAA.

This would eliminate interest, so they must plan to allow their store credit cards on there too.

That said, I doubt I will jump on the currenC thing. There is going to have to be some benefit for me to switch from my regular card use those places.

Id load my Target card into Apple pay though if they got on board. Kinda hoping they do for the mobile side, that part isn't clear. I think it isn't Target cards you can use with it.

 

[ET iPhone Home]

Once mores stores sign up, how am I supposed to know which NFC registers have an Apple Pay deal?

The Apple Pay Logo.

 

[JoeTomasone]

I believe CurrentC is going to be on the model of Targets debit card, an ACH payment. so you link your checking account and it goes thru that way. Thereby eliminating the CC processing end fees tot he merchant. Which is their goal.

It certainly appears to be starting that way, but not necessarily limited to that:

"CurrentC will offer customers the freedom to pay with a variety of financial accounts, including personal checking accounts, merchant gift cards and select merchant-branded credit and debit accounts. Additional payment options are to be made available in the coming months."

(From CurrentC's web site)


It should be noted that three of the members of MCX (the organization behind CurrentC) have been breached recently: Target, KMart, and Michael's.

 

[linkgx1]

Why not? See this is why I get confused. What is difference between Apple pay and nfc payments. Won't Apple pay work at any store with nfc payments.

Apple Pay has different terms and conditions. That is what sucks about this NFC payment business, it's not really unified. Some places have NFC terminals, but only accept from certain cards or devices. Hopefuly Pay will change all fo this.

 

[tl01]

...so what about WalMart? They have NFC terminals... but will not be accepting Apple Pay.

Hmm?

This is truly confusing. The more I read the more confused I am. To me, it sounds like the bank and merchant have to opt in... But then Apple putting the NFC logo on their site as a way to identify stores is way confusing.

 

[bjb.butler]

The payment terminal will look like:

Image

Image

This is incorrect; lot's of stores have these terminals.

Apple Pay will only work if the store is an apple pay partner.