Speedway had the equipment and it was actually running but without a backend connection for years, until recently. It actually works now, but I'm trained to use my card, it's pavlovian... *shrug*
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Kroger Begins Accepting Apple Pay After Years of Holding Out
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Speedway had the equipment and it was actually running but without a backend connection for years, until recently. It actually works now, but I'm trained to use my card, it's pavlovian... *shrug*
Folks - I know this doesn't make sense - because, logically, it doesn't - but I've been in this space for many, many years.
It all comes down to RISK and NEGOTIATED RATES.
Kroger (via Kroger Pay) and Walmart (via Walmart Pay) worked out deals to PAY LOWER INTERCHANGE FEES through claiming they lowered the fraud risk by managing to registered users, with validated transaction methods, RATHER than "anonymous" credit cards (i.e. someone used my wife's Chase Sapphire Reserve on Temu - Chinese scam trash site, without it being fully vetted and linked to her).
And then they realized - duh - that it was too much of a hassle. See: CVS, Publix, and others who gave up.
This is all contactless payment right, not only Apple Pay that they actively block?
Or, in the US is Apple Pay === Contactless?
Or, in the US is Apple Pay === Contactless?
Apple Pay is the most used form of contactless in the US, by a lot. It's like 80% or more. And this is an apple site, so they focus on that.
I have been in stores that support 'Google Pay', or Amazon Pay(?), and wonder why not Apple Pay.
When I've said it could be ideological, I'm referring to the 'Never Apple' people that feel Apple is some foci of liberal/intrusive/entitled/elitist/etc power/influence.
I worked with a person that raged about their off-brand MP3 player but would NEVER EVER BUY, or own, an Apple product. Someone was given an iPod as a gift, and gave it away. Weird. I've seen people rage about iPads too. Just bizarre...
They do take apple pay, but they just choose to only advertise the other two. Unless you were talking about online stores, that is. Online, each wallet requires specific support.
It is all, they all just shut off contactless altogether. Only Walmart went so far as to also block Samsung’s MST technology that used to let its devices communicate via magstripe.
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This has started in the UK. A couple of years ago, banks took to printing details on the reverse of the card, so your details wouldn't be obvious from what was poking out of your wallet or if you held it over a pay terminal. Now, even a US bank has decided to go naked.
I hate the Samsung. People would argue they didn't take it. And then half the time or more it wouldn't work and make you look foolish.
This amazes you because you only understand one side of the issue.
Credit card outcomes depend a LOT on what the liability laws/agreements look like. When fraud occurs who pays? The customer, the merchant, the bank, or the network? Depending on the details of this, you'll find very different (but hardly irrational) patterns in the adoption of different technologies.
The US, in particular, has an EXTREMELY pro-consumer fraud regime -- which is really convenient if you are a consumer! It's a hassle to report a fraud and get a replacement card, but that's all it is, a hassle and twenty minutes or so of wasted time. It's not a financial burden and certainly not a financial catastrophe.
The more you re-allocate fraud costs across the spectrum, away from zero consumer liability, the more you incentivize some behaviors and not others...
You can see some of these issues discussed here: https://www.duo.uio.no/bitstream/handle/10852/49691/ICTLTHESIS-8028.pdf?sequence=1
Because, to the extent that we do have a totalizing religio-world view (maybe so, maybe not), it's rather different from your totalizing religio-world view; and doesn't especially prioritize "the billions that the Walton clan and hedge funds have amassed"?
I was not speaking about Krogers. There was a store a few years ago that refused to accept Apple Pay, but DID accept Google Pay.
Neither was I. And they can’t do that at physical stores. If one form of contactless payment works, so do the others because they all use NFC. It’s all or none. That’s why merchants that refuse to take apple pay disable contactless altogether, also blocking everything else that uses nfc all the way down to the contactless cards.
If you saw a sign for google pay at a store, whichever store it was, it means contactless is enabled because Google Pay requires it. And even if there was one for google pay but not one for Apple Pay, that doesn’t mean the store won’t take apple pay, it just means the store chose to only advertise google pay. They will still take apple pay too because they can’t block specific forms of nfc contactless payment individually. Again, it’s all or none.
If a store accepts those then it’ll accept Apple Pay. Very few stores advertise Apple Pay but if they accept contactless like 99% do, Apple Pay will work.
Yet Costco here in Europe has accepted it since about 2014, weird. Here even putting air in your tyres can be done by paying via Apple Pay. The ability to use it is almost everywhere and it’s clear the banking system across Europe has done a much better job of adjusting to modern times. I haven’t written a cheque since 2007, sent a fax for probably 15 years or swiped a card to pay for someone in well over 15 years either. Some of the things I’m reading in this thread just blow me away.
I have not owned a car since 2016. I never had to pay to put air in my tires at a gas station. When did this scam begin?
That isn't necessarily true. The limit for contactless payments only recently increased to £100 in the UK. The previous lower limit effectively shut out both GooglePay and ApplePay for all but the smallest purchases unless they were explicitly supported. I remember walking into a branch of Decathlon and the self-servce tills only accepted GooglePay. Not a problem if your purchase was under the £30 limit but otherwise you had to get your card out.
As it happened, I had my spare Android phone on me with GooglePay enabled but on payment, the till crashed and couldn't restart. That was fun.
I've always had to pay for air for the tyres in some form. It used to be £0.20p. Now its £0.40p via Apple Pay.
I've never used a contactless terminal that doesn't accept Apple Pay at this point. Never been in a Decathlon store but have bought stuff from them online.
I've actually used a few that either didn't take one of Apple or Google Pay but happily accepted the other. I didn't understand it, either but that's how it went. The Decathlon till was a bit odd, IIRR, like Uniqlo's. It used some NFC technology to read the price tag without having to scan it. You just dropped the items onto the basket and it clocked it up. Then the till died having done the difficult bit.
Remember that Apple Pay is unlimited. Just using it as a contactless card was always possible but you were subject to the £30 (now £100) limit common to all contactless cards. Tesco held out for a long time. You could use ApplePay in Lidl and Aldi for shopping over the contactless limit long before Tesco allowed you to.