I’d say Apple Pay is instantaneous next to the terminal when it’s ready for almost every single transaction. Although, a chip on the debit/credit card shouldn’t take 10 seconds, at least near five seconds from what I’ve used, unless the terminal host is busy or slow.
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JCPenney Removes Apple Pay Support From Its Retail Stores and Mobile App [Updated]
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I’d say Apple Pay is instantaneous next to the terminal when it’s ready for almost every single transaction. Although, a chip on the debit/credit card shouldn’t take 10 seconds, at least near five seconds from what I’ve used, unless the terminal host is busy or slow.
It’s a good thing JC Penney is doing so well that they can make counter-customer moves like this... oh wait.
Apple charges a 0.15% per transaction “security fee” to card issuers. They were the only company that negotiated any sort of deal like this, Google and Samsung charge nothing.
They charge the card issuer, who passes this charge onto the merchant.
The American banking system is backwards.
Instead of adopting chip and pin everywhere, they decided to implement non-pin swiping, which is much less secure.
So no NFC payments whatsoever? What is it 1999?
This is probably just one of many actions taken to prepare for bankruptcy. 
A hassle to hold your phone or watch to a terminal? It's faster than chip or pin.
"JCPenney made the decision to remove Apple Pay for our stores, we apologize for any inconvenience this may have caused. We will definitely forward your feedback regarding this for review."
lol..classic apology.. Almost like "we didn't mean to" .. Yes, but you did.
It is, but that also requires trusting your Iphone as well..
lol..classic apology.. Almost like "we didn't mean to" .. Yes, but you did.
It is, but that also requires trusting your Iphone as well..
This is probably just one of many actions taken to prepare for bankruptcy.
It’s unfortunate really, JCPenney has been around forever, but I don’t necessarily think them removing Apple Pay is a distinction of their future or not, it’s simply just an inconvenience for the customer that chooses to use Apple Pay as their primary choice for payment. I couldn’t even tell you the last time that I paid with my debit card in public, almost everywhere accepts Apple Pay/android pay from merchants.
Using my iPhone or Apple Watch for payments has been complete bliss, I never thought we would live in a time where our gadgets are simultaneously being used for communication _and_ form of payments.
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I had to use ApplePay with my Phone yesterday for the first time at a terminal. Absolutely confused the hell out of me how to do it for a second. Have literally used my Watch for Apple Pay for every payment possible since it was first available, but yesterday had removed my Watch to charge it. I love Apple Pay on the Watch so hard.
Anyways, on topic, as others have mentioned... how can they remove Apple Pay yet retain contactless support? Have they just removed the stickers from windows? I've always been able to use it anywhere in the UK that took contactless, regardless of official support with zero issues.
Anyways, on topic, as others have mentioned... how can they remove Apple Pay yet retain contactless support? Have they just removed the stickers from windows? I've always been able to use it anywhere in the UK that took contactless, regardless of official support with zero issues.
I think our technology in a Europe must be different. Anywhere that takes cards at all these days take contactless, and Apple Pay is just another form of contactless so I can’t imagine it could be disabled.
No, chip cards are not just as secure, Apple Pay is more secure because it doesn’t use a fixed card number and is biometrics secured to either a finger print or your face. And cash is completely unsecured , you take it and it’s yours.
I read somewhere contactless payment is not as popular in USA as it is in UK, Australia etc. Is that true?
Yes, so much hassle.
It's so much easier to pull out my wallet, open it, pull out my primary credit card (2% cash back FTW), insert it into the terminal, wait for the transaction to complete, remove card from terminal, put it back in my wallet, then put wallet back in my pocket.
I simply hate all the hassle of just double-clicking the side of my apple watch and holding it over the terminal for a couple seconds.
</sarcasm>
Apple gets paid by the credit card processors, not the retail establishment. The retail establishment pays the same as the card that was used per their processor agreement.
I got tired of un-trained cashiers having to call their manager over to ask what to do when someone pays with their phone. THAT took way, way longer.
I quickly learned to only use Apple Pay on vending machines.
It’s been awhile. Yeah, probably it works better now. But, you know, when something is such a big inconvenience at first it really turns you off for quite some time. I just haven’t been willing to give it a second chance yet.
How are they passing this down. I can’t find anything that shows Apple Pay has increased merchant costs beyond the cost for equipment to accept wireless payment. If anything I expect the cost Apple charges issuers is being passed onto all merchants even if they don’t take Apple Pay. So if a business accepts my tap to pay credit card they are likely already paying to accept Apple Pay.
What am I missing? Is JC Penny not rolling out tap to pay at their stores? That seems very short sighted. Even for them.
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Try using a tap to pay CC. It blows their mind.
Huh? The cashier doesn't need to do anything special. It's a 'card' payment. If they ask how you're paying do you say 'apple pay' instead of visa/mastercard etc? If so that's bizarre. Telling a cashier 'apple pay' is the same as someone going 'chip and pin'. Who does that?
I’ve never timed it, but it is much slower than contactless payments. I was counting from the beep to the receipt.
Yes, though you're making the false assumption that Apple charges this fee to the merchant and/or that the processor passes it to the merchant. That does not appear to be the case.
Per this source, the merchant fees on ApplePay transactions are actually lower -- likely due to the higher security of ApplePay making fraud less likely. https://blog.bluepay.com/im-a-small-merchant-what-will-apple-pay-cost-for-me-to-get-up-and-running
This source says the fees stay the same: https://www.shopkeep.com/blog/everything-you-need-to-know-about-how-to-accept-apple-pay#step-1
Specifics of course will depend on the individual merchant agreement with their processing provider.