Kroger-Owned Grocery Store Chain Harris Teeter Begins Accepting Apple Pay

lartola said:
The waiter running away with your card means he has enough time to skim the card or even just write down the information. Though the risk of that happening may be minimal, it’s not zero. That’s why restaurants everywhere but the US were mandated to stop taking cards away decades ago.
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I understand that. But if you're not liable for the fraud, who cares?
 
lartola said:
No they don’t. It was Samsung that included in its devices a technology called MST that lets them use the old magnetic stripe reader at places that don’t have NFC such as HT, Walmart, Lowe’s, Home Depot, etc. That’s why Samsung Pay works at those places and other mobile wallets don’t. Walmart managed to block it at its stores in late 2020.
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Yes, I know that. I‘ve been using Samsung Pay (and Google Pay) for years and have a lot of experience using MST personally and I don’t believe that’s what‘s being used at HT and Kroger. See post #60 above.
 
Electroni said:
Yes, I know that. I‘ve been using Samsung Pay (and Google Pay) for years and have a lot of experience using MST personally and I don’t believe that’s what‘s being used at HT and Kroger. See post #60 above.
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I know Kroger certainly wasn’t even using NFC. When I tried to use Apple Pay there, the POS did nothing at all, which means either there was no nfc or it was completely disabled. If there were NFC and apple pay were specifically blocked, it would have read my device and then displayed an error message. That didn’t happen at Kroger. It did happen at CVS back in 2015 right before they disabled nfc entirely and did not reenable it until 2018.
 
echopulse said:
About time.

Now, there is just Home Depot, Lowes, HEB, Walmart, Menards, Paper Source, Walmart, Hobby Lobby, Winco Foods, Graybar, Fleet Farm, and about 2/3 of the Kroger owned stores before the US reaches 95%+ acceptance.
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Do not forget Walmart!
 
lartola said:
The waiter running away with your card means he has enough time to skim the card or even just write down the information. Though the risk of that happening may be minimal, it’s not zero. That’s why restaurants everywhere but the US were mandated to stop taking cards away decades ago.
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On the other hand, wouldn't not printing the info on the card anymore almost completely fix that issue*, no PIN or pay at the table required? Not saying that the US shouldn't have pay at the table, mind you, but it's not like restaurants are willingly doing much else to support Apple Pay (other than QR codes on receipts) either.

* Would probably cause a bunch of other issues until apps and websites got 100% Apple Pay acceptance, though, but who knows when that'll happen.
 
As stated earlier, consumer protection laws around credit card fraud are very strong in the United States. In fact, federal law limits unauthorized transactions to $50 but all credit card companies waive this.

A large way credit card companies make money is by taking a percentage of the transaction (known as a swipe fee). Americans have more credit cards per person than Europeans. If U.S. cards started to require PINS, credit card issuers fear that consumers wouldn't remember their PIN, hold up the line, and use another card. Thus, none (or virtually none) have gone the CHIP and PIN route. In fact, a few years ago, the credit card networks (Visa, Mastercard, etc.) stopped requiring signatures altogether (the merchant can still require it but few do).
 
lartola said:
The waiter running away with your card means he has enough time to skim the card or even just write down the information. Though the risk of that happening may be minimal, it’s not zero. That’s why restaurants everywhere but the US were mandated to stop taking cards away decades ago.
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Remember tipping at restaurants in the U.S. is standard, and it's pretty awkward with the waiter who just served you to be standing over you with a credit card machine asking you to enter the tip amount.
 
danpeake said:
Remember tipping at restaurants in the U.S. is standard, and it's pretty awkward with the waiter who just served you to be standing over you with a credit card machine asking you to enter the tip amount.
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It is standard in other countries too, and sometimes what they do is have someone other than the waiter (such as a cashier) come over with the credit card machine. Besides it’s much better to have the tip already included when the card is charged than to have to leave the voucher open for later adjustment (especially when using debit). The US system is simply outdated, and no matter how much americans like it they have to move on.
 
lartola said:
It is standard in other countries too, and sometimes what they do is have someone other than the waiter (such as a cashier) come over with the credit card machine. Besides it’s much better to have the tip already included when the card is charged than to have to leave the voucher open for later adjustment (especially when using debit). The US system is simply outdated, and no matter how much americans like it they have to move on.
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If I am in a country where tipping is customary and if I am paying with a credit card, I never put the tip on the card. I use cash and hand it directly to the waiter. There have been too many cases reported that the tip never gets to the person or people for whom it is intended. Some managers keep it for themselves and in some chains in the UK the tips were used to make up the difference in employee salaries which were lower than legally mandated. The only problem with giving a cash tip directly to the waiter is that it may not be shared with the kitchen staff and busboys. Of course, there is no guarantee that the credit card tip is shared.
 
Expos of 1969 said:
If I am in a country where tipping is customary and if I am paying with a credit card, I never put the tip on the card. I use cash and hand it directly to the waiter. There have been too many cases reported that the tip never gets to the person or people for whom it is intended. Some managers keep it for themselves and in some chains in the UK the tips were used to make up the difference in employee salaries which were lower than legally mandated. The only problem with giving a cash tip directly to the waiter is that it may not be shared with the kitchen staff and busboys. Of course, there is no guarantee that the credit card tip is shared.
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Ok that’s understandable. What’s not understandable is keeping an outdated 30+ year old payment processing system just because they’re picky about the tip, which americans do.
 
Tagbert said:
The other reason is that they get no data on the shopper from ApplePay and they want that data for tracking and promotions. With their app, they know everything.
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I agree that's probably the reason. However, with loyalty programs, there are ways to accept Apple Pay and still vaccuum up all that sweet, sweet shopper data. Starbucks has been doing this for years, as has my local McLendon's Hardware.
 
Westside guy said:
I agree that's probably the reason. However, with loyalty programs, there are ways to accept Apple Pay and still vaccuum up all that sweet, sweet shopper data. Starbucks has been doing this for years, as has my local McLendon's Hardware.
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Yes and many Kroger affiliated grocery stores require you to provide your loyalty ID in order to get the sale prices.
 
lartola said:
Ok that’s understandable. What’s not understandable is keeping an outdated 30+ year old payment processing system just because they’re picky about the tip, which americans do.
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Like not using the metric system....I don't see why people who don't live here get panties all twisted about it.
 
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danpeake said:
Remember tipping at restaurants in the U.S. is standard, and it's pretty awkward with the waiter who just served you to be standing over you with a credit card machine asking you to enter the tip amount.
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Yeah, commonplace around me, and I hate it. So I usually select the “No Tip” option and leave a cash tip on the table instead. Probably silly, but I’m fighting “the man.” I do so wish this practice would disappear but it seems to be expanding.
 
SalisburySam said:
Yeah, commonplace around me, and I hate it. So I usually select the “No Tip” option and leave a cash tip on the table instead. Probably silly, but I’m fighting “the man.” I do so wish this practice would disappear but it seems to be expanding.
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It would disappear if everyone stopped participating.
 
monstermash said:
People worry about different things I guess.

I had a fraud ONE time. Someone bought $2500 in tickets to some Madison Square Garden basketball game.

I reported it with a phone call that went MAYBE 10 minutes, and that was the last I heard about it.
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This thread has gone in different directions.

But the “never happened to me” or “I’m not sick” or the Apple Communities common “mine works fine must be you” really upsets me.

And this post is insensitive.

I never had fraud until my identity was stolen. Four years of hell.

Just you wait.
 
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