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I don't trust Apple pay
- Thread starter nouveau-apple
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This thread cracks me up, but the quoted poster is completely correct. Every transaction gets a unique token once the buyer does a fingerprint. It's the safest way to make a credit card transaction today. Most major banks have already endorsed Apple Pay as a very safe payment method and they have noted that they feel secure enough with Apple Pay to accept liability so the consumer has no risk. Magnetic stripes is very old technology and criminals will be happy to hear you are sticking with your plastic credit cards.
So by this logic, any new technology that isn't immediately adopted by the vast majority of people is a fail. It's a shame Apple doesn't have a history of trailblazing into new or unexpected technological territories.
Reminds me of the "I'll never use an iPad in public because it would look weird and may get stolen" and "it's a giant ipod touch, no one will use it" posts that pervaded the interwebs back in 2010.
Your article is off base and your assessment is misguided. If you don't want to use it, don't. Like many others, I'll drive my business towards companies that adopt it, and eventually others will fall in line.
Let's come back in, oh, 3 years and re-evaluate whether or not NFC payment options have expanded throughout retail.
Why not? You don't have issues with its security. You only have issues with its availability. But if it is available where you are making a credit card purchase and you have a compatible Apple Pay iPhone, why wouldn't you use it?
Could you explain why anyone would "believe in" Apple Pay? It's a payment system that you may or not use if you have an iPhone 6, it's not some religious thing that you would "believe in" or not.
I can't see anyone trying to push Apple Pay as "the holy grail". What a strange and absurd thing to say. Are you trying to keep the religious theme up?
Could you explain what problems you see with Apple Pay, especially what "fundamental" problems?
Could you please explain what an "accessory payment system" is?
You changed your tack completely now. So it has nothing to do with distrust or some strange religious them, you say it's too proprietary. Well, that's nonsense. Apple Pay works with any NFC capable payment terminal.
Next, you make a completely unsubstantiated claim that "Apple phones die often". Anything to back this up?
I get the impression right now that you are just posting to be contrarian, but without any substance.
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That's your opinion and you're certainly entitled to it.
I have to say this reminds me of the times when some former politician (like Clinton or GWB) will have some book out, and the people from the opposite party will trash the book even before reading it.
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As someone who just today activated Visa cards because my account was part of the Home Depot data breach, I get a chuckle here.
I trust Apple's system more than I trust the traditional credit card system.
That is fine. As always, you should use what works best for you or what you are comfortable with.
What are you concerned about. Fraudulent card charges? If they happen under the current system you are not liable for the charges. Same with Apple pay. But it is a billion times less likely to have fraud with Apple pay.
Agreed. Nicely stated.
So by this logic, any new technology that isn't immediately adopted by the vast majority of people is a fail. It's a shame Apple doesn't have a history of trailblazing into new or unexpected technological territories.
Reminds me of the "I'll never use an iPad in public because it would look weird and may get stolen" and "it's a giant ipod touch, no one will use it" posts that pervaded the interwebs back in 2010.
Your article is off base and your assessment is misguided. If you don't want to use it, don't. Like many others, I'll drive my business towards companies that adopt it, and eventually others will fall in line.
Let's come back in, oh, 3 years and re-evaluate whether or not NFC payment options have expanded throughout retail.
I know this thread is about using or not using Apple Pay, but isn't this the beginning of the way people use credit cards differently, and the industry, retailers and credit card companies, are changing over time.
Won't this be normal from many companies in the near future, whatever system they call theirs?
Won't this be normal from many companies in the near future, whatever system they call theirs?
But since Android phones explode, wouldn't that make them WORSE payment instruments?
(I figured since we're just making stuff up I'd have a go at it too)
*insert irrelevant to my point article link here*
Passbook is not the same as Apple Pay. Completely different systems for different things. Passbook will be able to integrate with Apple Pay, but they are not the same thing.
And what exactly are these "fundamental" problems? I'm not saying Apple Pay is foolproof, no system out there is 100% unhackable. But based on how Apple Pay works, it's a very secure system that beats out the magnetic strip credit cards people use across America every day (no data saved on Apple or retailer servers). It uses a token-based system similar to Bank of America/Merrill Edge's SafePass, and that hasn't been hacked. If anything, Apple Pay should theoretically be one of the most secure methods of payment available today.
It doesn't beat out chip and pin cards. I can already tell you my phone will die before I ever get to use it.
The battery life on the phone isn't sufficent to support an actual payment system.
That's a big question a lot of people have is, what happens when your phone dies?
It might be "secure" but that doesn't mean it's reliable.
The battery life on the phone isn't sufficent to support an actual payment system.
That's a big question a lot of people have is, what happens when your phone dies?
It might be "secure" but that doesn't mean it's reliable.
Why not? Most people charge their phones every day. And if they've left the house, they probably have their phones with them.
You realize the payments use very little battery power, right? Turning on your phone and using Touch ID would not even use 0.1% of the battery life on an iPhone 6. I think you can spare 0.1% out of the day.
If your phone dies, then you pull out your credit card and swipe it. Apple Pay works on the principle that you already have a credit card. It's simply for added convenience, security, and to add an option.
Ok op you have convinced me that you will not use apple pay and as an added bonus you have given me one more person to add to my ingnore list.
Are you serious? Ridiculous post. You have no idea how much power it will take to run Apple Pay. Honestly I think you just started this argument for the sake of just doing so.
Does each transaction take more than 30% of the battery? That's about where mine is every night when I go to bed.
That's basically what's happening in the US now, with antiquated mag stripe cards.
My phone still has battery left every day before I set it on the charger. I think that's true for many
You realize NFC is extremely low power, right? Bluetooth, wifi, and cellular all consume quite a bit more power.
Define a lot of people. Personally if my phones battery dies, I'll just pay cash or use my physical card. Not a big deal.
Because the banks will soon stop giving consumers 2% cash back. They'll need to - in order to cover their increasing losses from mag stripe fraud.