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I don't trust Apple pay
- Thread starter nouveau-apple
- Start date
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So leave all but one at home. I certainly don't plan to depend on Apple Pay, but I do intend to use it whenever possible.
I also expect the acceptance to go up exponentially over the next year
If Edelman is your main source, then I suggest you give it a little context by reading this:
http://www.bloomberg.com/news/2014-...-attacking-google-thrives-as-web-sheriff.html
And I second or third the notion that
Pay cannot be compared to Bitcoin due to the fundamental differences between Bitcoin and any other form of payment.I don't get the whole, well I still gotta carry my wallet. I see this as a safer more convenient way to pay for stuff. Of course, you gotta carry your wallet -- sometimes you need cash, etc. So I don't think one thing affects the other. You always had your phone and your wallet. Now you can use your phone to make more secure credit card purchases. Seems like a no brainer good thing.
Why the hell would I do that?
I thought this thread was about Apple Pay. Now it's about random bad advice that would be bad if you tried it?
Umm, who said that the only way to use Apple Pay is to leave your cards at home. There is no reason to change anything that you carry now, except now your phone (which you always carried anyway) can be used to make convenient and more secure payment card purchases. Win Win. Not sure I follow your point?
OP is trying to say that using Apple Pay is bad but if you do use it you shouldn't have to carry cards because you can still have them stolen...
lol
I was just responding to what others in this thread have said. In reality, Apple isn't doing anything that hasn't already been done. The trial was if they could do it better.
Many people don't even know passbook exists.
The number one problem is that you can't use it anywhere. That's enough to give it a fail.
Many people don't even know passbook exists.
The number one problem is that you can't use it anywhere. That's enough to give it a fail.
You don't make any sense.
Obviously ApplePay is going to be released soon and not everyone will be up and running.
Since I know that my pharmacy takes Applepay payments I can leave the wallet at home and just bring my phone when I go to pick up a prescription. As it gets more popular and more merchants enable that feature at their stores the more places you will be able to use it.
We're not saying just leave everything at home and hope everywhere you go you can pay with your phone.
Again, what are you arguing about? If you dont like it then dont use it.
Simple.
I'm not worried about the security of it. I'm just saying I don't trust it to use it as a preference. It's not the big innovation that some people think.
True that.
Also some of these places don't train their employees at all on how to process credit card and debit card transactions.
I had some young girl at a frozen yogurt place a few days ago turn and handed me the transaction terminal so I can swipe and put through my own payment cause she couldn't figure it out.
I had to enter the amount of the sale and select debit or credit etc...
I could have keyed in $1 instead of whatever the amount was.
Which mobile payment system implemented tokenization prior to Apple Pay? What other company went and brokered deals with large banks and retailers to minimize the growing pains of the technology?
Once Apple Pay is actually launched, I bet we'll see non-stop ads for it on TV. People will learn how to use it then.
You can use it in plenty of places today. And as all merchants are required to switch to EMV standards by next year, the number of merchants accepting it will go up significantly
OP: You're entitled to your opinion.
But in looking at join date for MacRumors and some of your other posts, it looks like you're just trying to stir the pot. Grumbling about Apple requiring a computer to sync via iTunes... Grumbling about iOS 8...
Apple Pay isn't mandatory, as has been stated several times. You don't trust it? Don't use it. Have yourself a phenomenal day.
But in looking at join date for MacRumors and some of your other posts, it looks like you're just trying to stir the pot. Grumbling about Apple requiring a computer to sync via iTunes... Grumbling about iOS 8...
Apple Pay isn't mandatory, as has been stated several times. You don't trust it? Don't use it. Have yourself a phenomenal day.
I think you mean "everywhere"? Amex isn't available everywhere, either. Actually, there are some places that only take cash or check (my favorite Chinese take out restaurant fits this description).
When I start using ApplePay, if there are two stores that are similar and one takes it and another doesn't, I will be going to the store that takes it. Just like I do now with Amex.
I appreciate the security of ApplePay. Credit card theft is out of control. Anything to decrease my chances of that happening are a good thing.
I've had my identity stolen and he's right, Apple pay has nothign to do with that. It's not giving out your SSN or info they can use to open up their own cards in your name.
Even if you didn't know how it worked, the impression is that it is giving out your credit card number (which it isn't) to pay. They can't steal your ID from that (you do realize that, right?). And it's not going to be giving out your SSN nor does it even need to know your SSN, or do you give out your SSN everytime you make a payment? In fact, where do they even require your SSN to give a payment unless you are paying some one employment? It's not even going to give out your home address or DL (once again, when you buy stuff from the store, do you give out your home address or DL?).
And they don't need your home address or DL anyways to steal your ID, really all they need is your SSN (hell, they can figure out enough of the birthdate if they know how SSN's are assigned just from the number). So, there's nothing you can do about your ID being stolen cause it could be some one from the social security office, it could be some one who works in HR in your job (or has access to the employee's SSN, some one does cause some one has to fill out the W-2 form for your tax purposes every year), it could be some one at a job you applied for (temp agencies require it), it could be some one at a credit card agency who has access to the SSNs.
The best thing you can do to protect your identity is keep a close watch on your credit report. I could have stopped it early if I had done that (6 months before they sold my ID to a bunch of people they tested it with an Amex card. If I had seen that amex card on my credit report I would have known I didn't apply for it and some one was using my credit and could have put a warning on my credit then).
Sadly, it's just too easy to steal some one's ID. The only real way you can stop it is keeping vigilant and stopping it when it starts. Credit card companies are very easy to believe anyone... I had Bank of America tell me they thought something was fishy about the application so they closed the card *after* he transferred 15k of debt onto the card (rather than actually not giving him the card). With the CCs you are guilty until proven innocent (oh, you say you are this person, you must be this person. Now prove you aren't). I suspect they make more money by making it easy to apply for a card then they lose to ID theft. PErsonally I cheer when I hear of stories where a guy pretty much wins when they try to make him pay for a card they gave to his dog that he took advantage of. Serves them right for being so easy to give a card to anyone without actually checking to make sure they are that person.
Mad Mac Maniac
macrumors 601
Your initial post implied a much different opinion. So let me respond to your real argument.
Yes, NFC payments have been a thing in smartphones for years (i.e. not new)
Yes, NFC terminals have yet to really take off at most major retailers (not popular)
However, NFC has slowly been gaining traction and if there's any company that can push retailers into adoption it's Apple, because a) Apple's created a simple, secure, and easy to use system b) Apple has a high consumer base, especially in the US c) Apple has a very active consumer base and d) Apple has a very weathy consumer base. The chips are also in the favor of ApplePay/NFC adoption because in the US most retailers will have to replace their POS terminals by the end of next year anyway, so they might as well support NFC.
I agree that retailer support will be small initially, but it will grow. There is absolutely nothing to stop you from using Apple Pay as an easy, more secure, and more convenient way to pay in the (rare) occasion that the retailer supports NFC. I will still carry my full wallet for now (I need ID and other things anyway), but over time I can see the phone being a complete replacement for wallet, ID, keys, etc. It's a slow process.
Edit: My goal is to get rid of my wallet/keys entirely in 3 years. That's when I'll have my Tesla Model III that will be able to use my phone as a key. Will be enough time for NFC support to build. Just need to have ID, gift cards, etc on my phone. I think that's achievable.
Perfect post. I will definitely adapt my habits to supporting retailers that support NFC, when possible. If enough people do likewise, then it will pressure the big guys (like walmart and best buy) to adopt NFC.
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Well if Apple Pay is available, you use it if you want to -- if its not available you fall back to the old 1960 magnetic stripe method. What's your point?
The security and tie in with the iPhone is very innovative. Although tokenization isn't new.
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Required is a little strong. "Strongly encouraged", via the liability shift mechanism is more accurate.
Mad Mac Maniac
macrumors 601
Which is effectively the same as requiring, especially with the massive breaches that have occurred recently.
Well you not trusting it is definitely your prerogative but please do yourself a favor and do your homework, rather than trusting some article. ApplePay has written facts that you still get your rewards.
I'll trust Apple wholeheartedly over someone who starts a thread speaking against a safer way of using my credit cards without checking out the facts first.
And what's not to trust if you're not worried about the security of it?