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I don't trust Apple pay
- Thread starter nouveau-apple
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I can't wait to be able to use Apple Pay at every gas station. So many skimming incidents around here lately. And of course I will be happy to never hand my card over to merchants after the Home Depot, Target, PF Changs, etc thefts.
OP isn't spoiling anything but his/her own reputation on this forum. If anything, this thread has actually served to illuminate the multiple benefits ofPay, despite the OP's utterly failed efforts to find faults in it.
I just get the impression that Macrumors members are rude.
My expressions are simple.
Still need to use a CC in a restaurant correct? Doesn't seem like handing your phone to a waitress is an option for the customer or merchant.
And that is where a lot of CC identity theft takes place.
I'll use it until I find a financial fault with it like not getting cash back on Amex or something hypothetical like that.
From skimming through this thread I suggest people taking better preventive measures with their cards. Myself for example I carry two main cards, both setup with suspicious activity alerts. I can cancel and change card numbers and have a new card with 2 days. Changing card link subscriptions from my gym, Netflix, and Hulu takes 5 minutes online. Plus I have a backup card emergency card at home that I never use and never leaves my house.
Just by doing that even if the worst happens I'm only inconvenienced for an hour or so.
A lot of cards even provide identity theft protection that extends passed just that card. If you are really worried I would suggest something like that however there is generally a monthly fee.
And that is where a lot of CC identity theft takes place.
I'll use it until I find a financial fault with it like not getting cash back on Amex or something hypothetical like that.
From skimming through this thread I suggest people taking better preventive measures with their cards. Myself for example I carry two main cards, both setup with suspicious activity alerts. I can cancel and change card numbers and have a new card with 2 days. Changing card link subscriptions from my gym, Netflix, and Hulu takes 5 minutes online. Plus I have a backup card emergency card at home that I never use and never leaves my house.
Just by doing that even if the worst happens I'm only inconvenienced for an hour or so.
A lot of cards even provide identity theft protection that extends passed just that card. If you are really worried I would suggest something like that however there is generally a monthly fee.
Isn't it that a couple of merchants were SUPPOSED to be offering Apple pay but backed out for unknown reasons?
That "swipe your card" thing is a little antiquated.
That "swipe your card" thing is a little antiquated.
This thread is very entertaining, but for those coming in late then here's the highlight reel:
And by the way, my phone did die several times during the discussion.
Just the other day I had my iPhone and I was trying to scan it at Starbucks while it was at 2%
Name me a single phone released in the last 18 months that will go from a fully charged battery to a completely depleted battery in 2-3 hours. Unless you demand that your phone always be over 90% charged, there is no way you need to charge your phone 4-5 times a day. The math just doesn't add up. The troll is strong with this one.
The good news is that when chip and pin cone to the United States in full, the restaurant problem goes away. In the chip and pin scenario the server brings a wireless point of sale to your table.
IMO, if you live in the US, use credit cards, shop at stores with NFC at their POS, and have an Apple Pay capable device, then Apple Pay isn't useless to you. That doesn't mean you have to use it, of course. But it's more secure than any other payment method on the planet right now.
Google Wallet is more or less equally secure on an NFC Android device. It works pretty much the same way by handing out tokens over NFC.
I've encountered a few restaurants where I can swipe my CC at the table and they can even get a head start on Apple pay without waiting for chip and pin.
What happens when someone figures out how to intercept the data from the wireless point of sale device?
Well, that's why
Pay is more secure, because chip and pin still passes your sensitive information.It won't matter since the token is single use. And the way NFC works, they'd have to basically intercept the data right from the machine itself. NFCs transmission range is only a couple inches.
As far as I am aware data passed back and forth is encrypted (unlike the magnetic stripe), even if someone managed to intercept it, it won't be easily decoded
I recommend anyone concerned about security to read Apple's white paper. The Apple pay stuff starts on page 24: https://www.apple.com/privacy/docs/iOS_Security_Guide_Oct_2014.pdf
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I wish more restaurants did this, was in Montreal last year and every restaurant we went to the wait staff brought the card reader to you instead of you giving your card to them.
There are some slight differences between Google Wallet and Apple Pay that make Apple Pay a little more secure, but I agree that either option is far more secure than basic mag stripe credit cards.
I've mentioned it in other threads but I have a Google Wallet card, which you can get for free, to use as a backup when I can't use an NFC payment system. I also have an American Express Serve card which offers some protections of its own.
What happens when someone figures out how to steal your wallet or purse?
The good thing about having it all on your phone is that if they steal your phone they wont be able to use it... Because your battery will be dead.
That is sad. I just got the 6 plus and the darn thing gets all day battery life.
Can we see a screen shot of your Battery Usage pane when you have 10% or less charge left?
You apparently have little idea of how payments are processed and the relative security of various payment methods.
What happens when the waiter / waitress photographs or copies down your credit card info on their way between your table and the register?
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Wouldn't be the first time someone comes onto MR to spout ignorance inspired FUD.