It's such a pointless exercise. I haven't signed my "real" signature on a credit card purchase in probably ten years. I think I've been called out on it once. Now that the signature requirement is gone I wish everyone would get rid of it.
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JCPenney Removes Apple Pay Support From Its Retail Stores and Mobile App [Updated]
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It's such a pointless exercise. I haven't signed my "real" signature on a credit card purchase in probably ten years. I think I've been called out on it once. Now that the signature requirement is gone I wish everyone would get rid of it.
Especially the electronic version of my signature on some screen. It looks just like my hand written signature, as interpreted by a drunk Pablo Picasso or Salvador Dali.
just an ignorant comment from a non apple fan, what can you expect :shrug:
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lmao the iphone is not losing apple pay, the hell are you smoking?
Also if you are really complaining about 32bit support you are out of your damn mind. please go back to using windows 95
That sucks.
That sounds like great customer service. Good reason for loyalty.
One of the nice things about Apple Pay is that banks can send a message to the Apple Wallet to update the card number remotely as soon as the number is issued. That means that one can use Apple Pay even while waiting for the new card to arrive. Not all banks support this, but it is great for those who do. I had several cards invalidated in the same breach, while I was traveling over a holiday weekend. That made it possible for me to eat and get cash until I was able to get my new card.
This is much more important with debit cards as the money is taken right from your account, and even if it is restored, can result in bounced payments. (They may all get corrected but that can be a big hassle.)
Apple’s Card will using notifications to do this.
Security and privacy are two reasons I use Apple Pay and am interested in the Apple Card. I like that Apple and Goldman Sachs will not sell my information and will not troll through it. The recent examples of Amazon employees and contractors trolling through the Alexa recordings is problematic for me.
Just started shopping at Target for the first time since they decided not to support Apple Pay. While I will shop at CVS, I tend to prefer Walgreen's simply because they have all those years as my only pharmacy.
This blew my mind when it happened to me. I would never have thought that I would be able to keep using my credit card with Apple Pay while my physical card had been disabled and I was waiting for a replacement. I was already sold on the privacy and security features of Apple Pay but I thought this was absolutely fantastic.
Have you tried again lately? I was at Vons (Pavillions in Pasadena specifically) the other day and I am positive I used my watch. I know for certain I have used it at both Vons and Albertsons a number of times since February.
I was in NYC in the summer of 2017 and used Apple Pay daily everywhere that had contactless payments with no issues or manager calling. Have definitely used it in my visit to DC as well.
Well, I’m still waiting for my AW ECG to work...Last year, the signature requirement was dropped here in America. Maybe someday we will catch up to Australia.
For us, Walgreens is far more convenient than CVS.
I've been impressed with Walgreen's adoption of contactless technology - they even have their loyalty card loadable into Apple Wallet -- you can sell your
Yes, two days ago I deleted my credit card (Citibank MC) from my wallet and reinstalled it. I then tried to use it at Albertsons and it was rejected. The checker said that Apple Pay worked for some people, but I suspected that maybe he was unaware of the difference between Apple Pay and its Android brethren. Your reply shows that there's more to this issue than I thought.
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About 30 years ago, my dad asked me to go get him something from the store and handed me a spare credit card from the cabinet where he kept. Got the items, went to the cashier, swiped the card and only then noticed that it was not one of my dad's cards, but one of my mom's. My dad and I have initials with one common letter, so I could always explain the difference between the card and my license that way if needed.
Also, his signature was a scribble like mine. Unfortunately, my mom and have no common letter (other than our last name) and her signature is completely legible.
The cashier asked me for my ID, and I was about to start explaining, but she just looked at the front of the card and the front of my license, then flipped it over and looked at the signature and what I had signed (neither of which matched at all), handed me the card, my ID, my purchase and my receipt and said "Thanks. Have a great day!".
That is when I realized how useless all the security measures were.
Except that there's zero reason for them to do that sort of filtering. The store isn't liable for credit card fraud on EMV and contactless card transactions.
The transaction is sent through the payment network to the card issuer who then approves or rejects the transaction and sends that back to the point of sale to allow the transaction to complete. Customer gets their receipt and leaves with their stuff. If the charge with the chip card or NFC reader was fraudulent, the card issuer has the liability.
https://www.creditcards.com/credit-card-news/understanding-EMV-fraud-liability-shift-1271.php
https://squareup.com/guides/liability-shift
https://www.nationalmerchants.com/nfc-payment-and-processing/
Never said that the fee affected their decision in any way, just that it exists and that’s how Apple makes money. 0.15% isn’t enough to scare even the largest merchants off.
But if you think the issuers don’t adjust their fees to merchants based on what they themselves are paying then you are a bit of a dingus.
Case in point: https://www.wsj.com/articles/purcha...stlier-for-merchantsand-consumers-11550226601
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I’m both an Apple user and I shop there. And I care. Less choices to shop means less choice in the marketplace and probably higher prices. Not to mention a bunch of empty derelict buildings across the landscape. Who wants to see that?
Two years ago that was perhaps an issue. It depends on the location, but for the most part isn’t an issue any longer. First off because most cashiers understand, but also because of the software in the terminals. They literally don’t have to do anything different. Instead of swiping or inserting your card, you just hold up your phone or watch...done! Easy as can be.
I’d be more nervous about having an unsecured phone!
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Uh...I live in the southwest and that has not been my experience at all! Quite the opposite! The stores are cluttered with merchandise thrown about, and it’s hard to find an employee other than at the cash registers which often have long lines because they only have one person working the station. I do agree they are well stocked though. I have never seen empty shelves. But the stores resemble a garage sale or swap meet rather than an organized department store.
I don't think most JCPs are going to be left around as derelict buildings, the two around here I can think of, one is in the Mall of America, so that's going to be taken up with something hopefully much nicer, and the other one is in the mall in the wealthy suburbs, and that one is being turned into the de facto flagship Lifetime Fitness (they are headquartered here).
Good riddance I say. Cheap crap and junky stores.
I had a similar issue with a local grocer. Was told they still take Apple pay, just that it had to be tied to a debit card not a credit card. Said whoever handles the software changed it.
Personally I find pejorative names a reflection on the speaker rather than the recipient, so you might want to consider that.
That said, OF COURSE merchants will adjust their fees based on what they are paying... and by the volume of transactions and other factors. However, these fees are irrespective of the Apple fee, meaning that they are not a separate line item.
At new stores that have customer terminals, I sometimes say Apple Pay and sometimes just say credit. Once it comes up on the terminal, I just use my watch. Most of the time I get either: “WOW, that’s cool!” or no surprise. I will usually comment on how much easier and faster it is.
The places where I have still had to deal with that on occasion are usually hotels where they still take the customers card and run it, even though the terminal is right there. My reasoning for taking the extra time for those small number of locations is that I want it to work everywhere as seamlessly as possible and by escalating it a few times, they are more likely to train their staff about it (managers do not want to be called over more than once for something like it). At a few of the Hyatt Places where I have used it, staff have comped something for the inconvenience and have said that since it was so cool, they would make it a point to teach their co-workers.
Two years ago it was more unusual. Now more and more places have ApplePay signs up and idle terminals that rotate through ApplePay, GooglePay and SamsungPay logos. The convenience of not needing to have my wallet with him is big enough that I want to help that transition, but I can understand that not everyone cares to do so.
At this point, as others have said, it is pretty easy 95% of the time and with more use, it will be that way everywhere.
This. I use Apple Pay almost every day with my watch and the whole process couldn't be faster or more convenient.
Likewise - I use it any time I can, and it's super easy. Most of the time.
Never underestimate the ability of a Point Of Sale programmer to f'k things up though. Paying for some maintenance at my local Toyota dealer I saw NFC support so tried to pay with my Apple Watch. POS had the cashier ask for the last-four-digits of the card used. Even after digging it out of my phone it didn't work and I switched to a physical card.
So yeah, still some roadbumps due to programming idiocy, but very much improved since two years ago.
Had that problem early on at the Hagen grocery store. Took a bit to discover that they want the last for of the device ID. Stupid, but mostly gone as an issue now.
Yup. Was in a mall food court in Hawaii at a small non-chain Thai place. I go to pay and am prepping my watch and the cashier says: “Apple Pay?” It made me smile.
I stopped shopping at Ralph’s when they announced that they would not be taking ApplePay. If either HomeDepot or Lowe’s starts accepting it, I will drop the other.
Three of our favorite local restaurants (Bamboo Thai, Blue Salt Fish Grill and Saigon Dish) take it now which makes life much easier.
Now if I could just get my Driver’s license and Nexus/Global Entry card’s on it, I could stop carrying my wallet. :-D
Indeed, and the galling part is it actually used to work at HD initially.
It is my luck that two major grocery holdouts, Kroger and Publix, happen to be the two major chains in this area. Works fine at Trader Joe and Sprouts, but those two unfortunately don't cover all the bases.
Unfortunately still not close to that here. In addition to grocery and HD/Lowes, I have Costco as a holdout. Though I see the pumps and self-checkout are NFC equipped, I haven't figured out how to pump gas without a Costco card in hand. QuikTrip handles Apple Pay inside but not yet at the pumps here.
Sams went their own way but I can't fault them too much -- their Scan&Go app makes a Saturday visit much less of a PITA. You scan stuff as you put it in the cart, then when done you skip all the registers by paying within the app (stored cc, and since it's my Sams club credit card I'm not too concerned about that part). App displays a QR code the door person scans. All of the employees I've encountered know all about the app and how to do the scan instead of paper receipt.
I'd really love to see my Costco membership be able to be added to my Apple Wallet. Even though I'm still handing them my physical membership card I still pay with my watch.
I do that as well. I do not have a Citi CostCo Visa, so it is no different to handing them my membership card and then paying with a credit card. Having my CostCo card in my AppleWallet would be great. Again one fewer card to ever carry. They have not yet enabled ApplePay at the pump, which is still a bit annoying.
While there is no Publix here in LA, they are the one hold out that disappoints me, as the ones I visit in Florida are super customer service oriented and it would be nice to use them there.