I don't trust Apple pay

[Supermallet]

I maybe dreaming, but I imagine this. I'm browsing on my iPad, let's say I'm shopping Banana Republic. I hit checkout and it uses some Apple API where it knows I'm browsing on an iPad. Immediately it brings up the Pay interface, I scan my fingerprint and I'm done. That's even easier than Amazon One Click, easier than Paypal!

On the subject of Pay on Android, something tells me that these patents are going to be licensed. That this method is backed by banks tells me that iPhone is just the first step for widespread adoption, but we'll have to wait and see.

I don't think that's too far-fetched at all. And I'm sure Google will plug Wallet into this system once it becomes more widespread. You can already use Google Wallet at NFC registers, so if it ever goes to the web, Wallet will get in there (hell, Softcard probably will too). I imagine one day you'll see websites with five or six payment options: CC, Paypal, Apple Pay, Wallet, Bitcoin, etc.

 

[ttmrn]

I'm one of those people who don't believe in Apple pay. It's not that I don't want to, but the problems with Apple pay are so fundamental that I don't see how they would try to push it as the holy grail. It's more like an accessory payment system.

are u asking if u trust or believe? why two conflicting mindset?


if the banks are going to settle all (100%) fraud liabilities via pay, i don't see why u shld have any problem trusting.

 

[GrindedDown]

With major hacks happening on a regular basis nowadays, the mainstream media will eventually pick up on the connection between the need for increased security and services like Apple Pay. They'll write stories about it and lots of people will read it.

Imagine the headline "Starbucks Hacked: 17 million credit card numbers leaked. Apple Pay users remain unaffected."

This is the beginning of widespread adoption. It'll just take time.

 

[mcdj]

I'm basically saying I'm not going to use it.

And everyone here is basically saying go right ahead and don't use it if you don't want to, But your shifting, baseless, and stubbornly malformed arguments against it make it patently obvious that you either don't get it, despite some of the best explanations of it the web will ever see, or you're forking with us.

You say you're "one of those people who doesn't believe in Apple Pay". Exactly who are these other people you are grouping yourself together with? The only "people" I've heard say they aren't on board are retailers who either don't want to invest in NFC systems or don't want to pay Apple a handling fee. Everyone else on the planet is either gung ho, or hasn't heard of it, which leaves YOU.

Saying you don't believe in Apple Pay is like saying you don't believe in sand. And speaking of sand, get your head out of it.

 

[Newtons Apple]

Well you seem to be scared of Apple Pay because of what you went through. I'm not lecturing, I'm just pointing out that your fear has no basis in reality (as you should know from your experience). In fact, based on your experience, you SHOULD be first in line -- right? -- since Apple Pay is WAY more secure than a "normal" credit card purchase. What are you afraid of?

And whether or not Apple Pay will one day gain mass acceptance is an entirely separate issue. But the retailers, banks and Apple's formidable marketing power behind it give it a good shot.

YOU seem to be scared of someone who chooses to no jump head first into your glorious Apple Pay system. What is it about you Apple people that make you so rabid to the point if someone does not conform, they need to be destroyed.

I choose to wait on Apple Pay. Like I said, I may use it but the conversation here is not changing my mind and I will do it when I decide and not when Apple does. I will not be a member of the hive mentality.

 

[saab9573]

I'm one of those people who don't believe in Apple pay. It's not that I don't want to, but the problems with Apple pay are so fundamental that I don't see how they would try to push it as the holy grail. It's more like an accessory payment system.

welcome newbie!

 

[myscrnnm]

YOU seem to be scared of someone who chooses to no jump head first into your glorious Apple Pay system. What is it about you Apple people that make you so rabid to the point if someone does not conform, they need to be destroyed.

I choose to wait on Apple Pay. Like I said, I may use it but the conversation here is not changing my mind and I will do it when I decide and not when Apple does. I will not be a member of the hive mentality.

No one is forcing you to use Apple Pay. You're the one who started this thread...

 

[Newtons Apple]

No one is forcing you to use Apple Pay. You're the one who started this thread...

I am not the OP. I do appreciate you giving me permission do to as I wish

It is amazing to see the "hive" get so upset!

 

[Mildredop]

I have had my identity stolen, at no fault of mine, and it cost me over $3000 in lawyer fees to get it fixed.

I understand fully how it works and like I said, I will likely use it in the future. It will be a while before most of the retailers are up and running with it. My Wells Fargo bank is ready.

I would like to see how resturants handle this, there are things that will need to be ironed out.

I'd be interested to know why it cost you $3000. If it's not your fault, don't the card companies/banks foot the bill?

 

[Newtons Apple]

I'd be interested to know why it cost you $3000. If it's not your fault, don't the card companies/banks foot the bill?

Most of the fees were paid by the offending party. Some were not and it would have incurred more fees to try to recover this. In the end I was quite happy to get out with $3k. Not that much money but a good lesson learned.

Until you have gone though this, it is hard to realize that all the burden falls on you and not on the people that made the errors. If you do not force things, they just sit there forever.

 

[Radiating]

Don't trust it? Don't use it. No one is forcing you. Moving on...

Yeah that's some well placed mistrust. I mean we're only comparing a payment system where on average half of all credit card users have at least one account stolen every 5 years to a system that was described as the most secure payment system on the face of the earth by banking executives. In fact Apple pay is so secure Apple offered to cover any liability for it, and banks said "no that's fine nobody will ever steal it anyways". Literally some of the top security experts on the face of the earth declined reimbursement for their single greatest expense in their industry costing trillions in the last decade, because they're so confident in it.


I mean really what's more secure? Something that fails half the time, or something that the world's top security experts feel is so strong they declined trillions of dollars of insurance for?

That's a tough one. You'd probably have a very tough choice to move from literally the least secure system known to mankind with a proven insanely high failure rate to the most secure thing invented by mankind. It's only one billion times better according to every expert in the field.... and really when have all experts unanimously agreeing to anything in an industry ever been right?


You better stay on the safe side and go with that thing that always breaks.

 

[Phil A.]

Even though we have the (supposedly) more secure chip and PIN system in the UK, I'm still looking forward to getting Apple Pay over here as there are still flaws in Chip and PIN and anything that needs you to enter the same PIN every time is subject to issues

I'm hoping they'll extend this to support cash machine withdrawals which are one of the biggest areas of fraud in the UK ( http://www.money.co.uk/article/1006306-4-atm-scams-you-need-to-know-about.htm ) - I'd much rather authenticate a cash withdrawal using my phone and TouchID than use a vulnerable card!

 

[gnasher729]

I don't appreciate your snippyness and rudeness.

Everyone else did

Actually, there was no rudeness. He just looked at your completely irrational posts which seem to indicate that you decided that for some reason Apple Pay is not for you, and you desperately try one ridiculous argument after the other to argue against it. The comparison with bit coin really was the most stupid thing.

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You would get respect if you actually took the time to research what you are talking about. Instead your main argument is that it will be a failure because all iPhone batteries die....

Perfect logic of the thread starter. "I won't use it because it doesn't work when the battery is empty". In the words of Homer Simpson, "doooh". I'll stop using my car because it doesn't move when the tank is empty.

 

[irnchriz]

You still need the cards for Apple Pay to work in the first place. its more of a Passbook feature than anything else, which, by the way, still can't add loyalty cards like other apps can.

Apple doesn't want you to throw away your cards. It's not any better than using chip and pin either, it's just another option out there.

I'll set up my Apple Pay, but I'm also prepared for when I won't be able to use it.

I also use my phone at Starbucks too but revert to using my physical gold card when my phone dies. And it does. Every iPhone I've had does.

And instead of handing my card at the drive thru, are you supposed to reach your phone though the window?

The card number, the chip info, the pin number, your personal info... none of that is exposed when using Apple Pay. It therefore trumps other payment methods on all of these points.

As Apple Pay is not going to be available everywhere it would be foolish not to take your cards with you. But by using Apple Pay where available you minimise your exposure to ID theft and fraud.

 

[Solomani]

I'm one of those people who don't believe in Apple pay. It's not that I don't want to, but the problems with Apple pay are so fundamental that I don't see how they would try to push it as the holy grail.

What's fundamentally wrong with it? Do tell.

 

[TraceyS/FL]

Online retailers should jump at this, it should be considered a swiped card and be cheaper for them. I hadn't thought of that until now. Huh.

 

[caesarp]

It's unproven technology. Can't trust something that's just in it's infancy. Give it a year and you'll see that there is a security loophole or something.

And if there is, how is that worse than what you do now with your credit card?

 

[nouveau-apple]

The card number, the chip info, the pin number, your personal info... none of that is exposed when using Apple Pay. It therefore trumps other payment methods on all of these points.

As Apple Pay is not going to be available everywhere it would be foolish not to take your cards with you. But by using Apple Pay where available you minimise your exposure to ID theft and fraud.

Not by a lot though, I have a feeling my cards won't be supported.

 

[caesarp]

YOU seem to be scared of someone who chooses to no jump head first into your glorious Apple Pay system. What is it about you Apple people that make you so rabid to the point if someone does not conform, they need to be destroyed.

I choose to wait on Apple Pay. Like I said, I may use it but the conversation here is not changing my mind and I will do it when I decide and not when Apple does. I will not be a member of the hive mentality.

That's fine. Don't understand your logic though. Again. What are you afaid of? What does waiting accomplish?

 

[Zxxv]

I maybe dreaming, but I imagine this. I'm browsing whilst drunk on my iPad, let's say I'm shopping Banana Republic. I hit checkout and it uses some Apple API where it knows I'm browsing on an iPad. Immediately it brings up the Pay interface, I scan my fingerprint cause I'm drunk and a password would be too hard to remember and I'm done. That's even easier than Amazon One Click, easier than Paypal! ....

....2 days later a shed load of parcels arrive

fixed it for ya


or heres another for you.

Whilst asleep your soon to be ex girlfriend places your finger on your iPhone... and shops through the night, leaving you in the morning .


and...

this year at christmas the kids miraculously received all the presents they wanted. Parents have no clue how it happened


---

online shopping has to be a bit more secure, i.e. you also need a pin code. A short 4 digit will do.

 

[mdlooker]

It had nothing to do with credit cards, I had someone open multiple acounts at large retail stores and make large purchases. Who ever they were, they had everything. SSN, DL, home address, even mothers maiden name.

After all I went though I do not need a lecture about fraud from anyone. Not even a "cheerleader" for Apple Pay!

Like I said, I will likely use Apply Pay but I am not waiting to be first in line opening day! I will let all the others enjoy! I know the Apple people thinks this will change the world but there are many products getting ready to compete! Not eveyone owns an iPhone much less one that will do Apple Pay.

I can only imagine how identity theft would suck at the highest level!! Hopefully pay will show to at least ward off against that angle of theft in the market and give everyone an added filter of security.

 

[AFDoc]

I'm one of those people who don't believe in Apple pay. It's not that I don't want to, but the problems with Apple pay are so fundamental that I don't see how they would try to push it as the holy grail. It's more like an accessory payment system.

Ok, thanks for letting us know. What "problems" are you speaking of? Or are you just talking out your 4th point of contact? I bet it's the latter.

 

[Newtons Apple]

I can only imagine how identity theft would suck at the highest level!! Hopefully pay will show to at least ward off against that angle of theft in the market and give everyone an added filter of security.

I would suspect it will do exactly that.

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That's fine. Don't understand your logic though. Again. What are you afaid of? What does waiting accomplish?

I am not asking you to understand nor require it.

I am making my own choice.

 

[alphaod]

If you don't trust it, don't use it.

I know plenty of people who don't trust Touch ID either. My mom is one of them. She uses a very long passcode, but doesn't want to use Touch ID.

 

[nouveau-apple]

So how do refunds work? What if the Apple pay system goes down of malfunctions?

How do you pay your pizza guy without a credit card on file?