JCPenney Now Accepts Apple Pay Nationwide, Integrates With Own Credit Card and Loyalty Program

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Original poster
Apr 12, 2001
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American department store chain JCPenney today announced it now accepts Apple Pay at all of its stores across the United States. The retailer said Apple Pay in the JCPenney app for iPhone and iPad is coming soon as well.


JCPenney also said it will make its credit card available on Apple Pay, which enables customers to earn shopping points through its JCPenney Rewards loyalty program, directly in the Wallet app on iPhone.
JCPenney point-of-sale registers now process all Apple Pay supported credit and debit bank cards, including the Company's credit card and co-branded Mastercard, both issued by Synchrony Bank and available to use with Apple Pay. Customers simply add their JCPenney credit card as a payment option to Apple Pay using the Wallet or Apple Watch app on their iPhone. Plus, coming soon, customers with the JCPenney app on iPhone and iPad will have the option to complete their purchases using Apple Pay.
JCPenney started testing Apple Pay in the Dallas--Fort Worth area in late 2015. The retailer joins the likes of Kohl's and Walgreens with Apple Pay support for store-branded credit cards and customer loyalty programs.

Article Link: JCPenney Now Accepts Apple Pay Nationwide, Integrates With Own Credit Card and Loyalty Program
 

Macyourdayy

macrumors 6502
Sep 9, 2011
294
127
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
 
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Zaft

macrumors 68040
Jun 16, 2009
3,939
3,022
Brooklyn, NY
Why is that stores in the US decide to accept Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave
True in my recent Russia trip as well. Even the smallest shop has the small chip reader/NFC.
 

Chupa Chupa

macrumors G5
Jul 16, 2002
14,834
7,369
Hate to be catty but, truly, to JCP customers even have smart phones? I mean these are the same customers that rejected Ron Johnson's modernization attempt.
 
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NinjaHERO

macrumors 6502a
Aug 29, 2008
901
1,018
U S of A
I'm not gonna lie. I had no idea JC Penny's was still in business. But yay more Apple Pay. I can't believe it's not everywhere in the US yet.
 

djcerla

macrumors 68000
Apr 23, 2015
1,696
6,926
Italy
As it has been typical for Apple services they aren't really useful outside of their home market.
Using Apple Pay every day here in Italy. Fantastic user experience, works flawlessly, reliably, enabled POS are about 9 out of 10 in my experience.
 

CapHill Bum

macrumors newbie
Feb 26, 2014
22
6
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
The majority of stores in the U.S. don't have terminals that are set up for contactless payments. But most that do don't have a problem with Apple Pay. The sad thing is the U.S. is woefully behind with its payment systems and most people don't know/care.
 

Aston441

macrumors 65816
Sep 16, 2014
1,315
1,855
Another chink in the armor.

Since being skimmed twice in two months, I either use Apple Pay (even for gas now) or rarely cash for emergencies. All other retailers are off my list until they get with the program.

All credit cards now, even the chipped ones, are inherently unsafe. If the retailers don't give a darn about me by pushing the button to turn on Apple pay, the heck with them.
 

newyorksole

macrumors 68040
Apr 2, 2008
3,741
3,579
New York.
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
A lot of retailers and clerks are simply weird. I'm assuming it has to do with Apple getting a slice of the pie or the retailer having to pay a transaction fee. Idk.

It's funny when employees don't know they can take contactless payments and they get weirded out by it. Like... Calm down, it's my credit card just in digital form.
 

nfl46

macrumors 604
Oct 5, 2008
6,949
4,046
Dang, JCPenney used to be a go-to store because they ALWAYS had sales. Now, it's turning into the next Sears. They both on their way out.
 
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Westside guy

macrumors 603
Oct 15, 2003
5,406
2,257
The soggy side of the Pacific NW
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain.
That's true in the US as well - "we accept Apple Pay" simply means "we've added NFC chip readers to our stores". But a lot of US retailers have still not updated to them.

From what I've seen, companies start accepting Apple Pay / NFC as a side effect of upgrading their Point Of Sale terminals to ones which can handle chip card readers.
 

nathreed

macrumors newbie
Apr 11, 2014
26
4
United States
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
By "accepting Apple Pay", they mean installing contactless readers at the point of sale. Most stores here in the US don't have those, so when they install them they are able to accept Apple Pay and other forms of contactless payment, and so announce it like this.
 
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Chupa Chupa

macrumors G5
Jul 16, 2002
14,834
7,369
As it has been typical for Apple services they aren't really useful outside of their home market.
Much of that is not Apple's fault. The world does not operate under one set of rules. Apple has to negotiate with multiple licensing groups and even governments to get services set up in any given country. These things take time rather than flipping a switch.

Obviously Apple is going to set up in the U.S. first because that is it's home country, where it knows the legal and business "territory" best, and, perhaps most importantly, a large population of willing consumers.
 

69Mustang

macrumors 604
Jan 7, 2014
6,965
12,537
In between a rock and a hard place
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
Basically "accept Apple Pay" means "installed NFC terminals". Apple Pay brings more eyes than simply saying we've enabled non-contact payment.
Bolded: Can I assume you're in Australia? If so, what do you mean they want access to the secure enclave? AFAIK, that's never been the ask. They've asked for access to NFC. Entirely different from asking for access to the SE.
 
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lkrupp

macrumors 6502a
Jul 24, 2004
932
1,194
Why is that stores in the US decide to "accept" Applepay? Here, if there's a contactless card terminal (which we've had since at least 2012) it takes ApplePay - from the smallest shop to the largest chain. The phone or watch work just like a chipped credit card. It's always funny when a retailer or clerk sees it for the first time. Our problem is three of the four major banks are resisting because they want access to the secure enclave and computer says no effing way.
I don’t know about your situation but in the U.S. the transaction processing companies charge fees for just about everything. I have a friend in the retail business. He doesn’t accept NFC payments even though his terminal is capable because he would have to pay an additional fee for the service to be activated. Same goes for chip-and-pin cards... additional processing fees. Retailers already pay something like 3% for credit card processing. All that eats into margins and small retailers usually operate on thin margins to begin with.