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I just tried to add it and the answer is no, not supported.

Which means Apple Pay is useless to me since the Lowe's card has a 5% discount and other benefits.
I was just able to add my Lowe's Business Rewards Card to Apple Pay, it's a branded AMEX. The standard Lowe's card is through Synchrony Bank, so I guess that's the difference.
 
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I prefer Lowe's because it's closer to my home, but not by much. The biggest downside of Lowe's for me is the lack of Milwaukee tools...
 
Locked what up? Shop at Lowe’s all the time and nothing locked up at my store.

This is an awesome news. I will definitely pick Lowe’s over HD now just because of Apple Pay. Hope HD converts soon.
Our Lowe’s just locked up romex, and Walmart locked up condoms. But no other stores within a mile lock up any of that stuff.
 
I was just able to add my Lowe's Business Rewards Card to Apple Pay, it's a branded AMEX. The standard Lowe's card is through Synchrony Bank, so I guess that's the difference.
I would think that Synchrony Bank would get on board with Apple Pay since they claim to be the largest provider of digitally-enabled retail credit cards. But as of now, no joy.

Enables our digital first partners to deepen consumer engagement by embedding payment solutions, leading value and rewards, and personalized offers within seamless experiences and extending digital relationships into in-person commerce.
 
Alright…….looking at you Wally! 👀
WALL-E_%28character%29.jpg

Okay? Now what?
 
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These kind of "big news" are absolutely ridiculous and laughable from the EU citizen perspective.

In Germany, Austria, and Switzerland, most small businesses in big cities there accept only cash payment and not accept card payments.

Some European banks do not accept Apple Pay but accept Google Pay. For example, Norway’s largest bank, DNB bank, does not accept Apple Pay but accept Google Pay.

In the USA, it is common for some businesses to accept physical card payment but not accept contactless payments, Apple Pay, and Google Pay.
 
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For me, I will now absolutely move from Home Depot to Lowe's based on this. For someone who goes to the hardware store once every a month or less, it's easy for me. To me, when stores disable contactless payment, they show me they don't value my privacy, convenience or personal info.

Home Depot is user-hostile after allowing Apple Pay (well contactless payment) in late 2014 and then shutting it off as soon as Apple Pay caught on. I remember I used it at Home Depot during Christmas time in 2014 then they shutoff contactless payments the following March.
What's particularly atrocious about HD's aversion of contactless payments in general and Apple Pay (either by prejudice or inclusion) is they were the victims of a fairly major security breach. If I were in their leadership I would be tripping over myself to implement contactless payment with Apple Pay, Google Pay, Samsung Pay.... anything to minimize my exposure to future breaches.
For some reason these idiots keep saying "naaa, we've got this. Trust us. Please ignore our previous incompetence, we're doing better. So much so that we refuse to adopt technologies that 100% eliminate the merest possibility of what happened to us last time." The people that sell you wood, screws, fertilizer and planting pots are FAR, FAR smarter about financial/tech security than those idiotic tech companies.
 
What's still really annoying is when using Apple Pay at a pin-pad terminal (with my Apple Watch, for instance), I *still* have to enter the PIN for the card I am using! WHY?? Isn't my iPhone and AW pretty darn secure already? Both devices have to be unlocked to work!
That’s odd. The main card I use is the Apple Card and I assumed all cards in the Wallet would work similarly. Maybe it’s a security feature of the issuer?
 
I prefer Lowe's because it's closer to my home, but not by much. The biggest downside of Lowe's for me is the lack of Milwaukee tools...
if you have lock-in or some other loyalty to a brand of power tools, you're much better off shopping on-line.
Personally, I'm a Bosh guy. Porter Cable a close second, but the major retailers become very closely aligned with those brands and create contracts that make them nearly exclusive.
You might be surprised at how few companies actually make all the tools we purchase.
 
Weird. Here in europe always worked everywhere… like whoever was accepting cards was automatically accepting applepay too. Even online.
Europe had the “benefit” of having a poorer telecommunications network. In the US, companies could clear a transaction in a matter of seconds using the reliable phone networks. Just swipe and done. In Europe, this was not as guaranteed in a lot of places, so chip and pin was a good workaround.

And, when the next big thing was introduced, capable hardware was either already widespread or included in those vendors next rollouts. The US had to be pushed by the CC companies in the way of rule changes.
 
Every time I visit the US, I feel like I’m stepping back in time. In Canada, tap to pay is everywhere, and it’s been on our debit cards for years before Apple Pay was ever a thing. I still don’t understand why restaraunts in the US take your credit card away from the table and bring it back with a paper slip to sign. Just bring me a portable terminal, let me add a tip, and tap to pay.
 
Why would Apple Pay lure someone to Lowe’s over Home Depot? Are people really that picky over WHERE they shop over just Apple Pay acceptance? If a business doesn’t take Apple Pay, I just use one of my CC’s with chip/pin. I don’t even think twice about it.

I mean, I prefer Lowe’s over Home Depot because:

1) It’s closer to my house and
2) I regularly get Lowe’s gift cards for at least 10% off when Target or PayPal have promotions, so I rarely use a CC at Lowe’s anyway. I just keep my Lowe’s app wallet loaded with an instant 10% discount (more if I used my Target card for an extra 5% on the gift card).

Apple Pay is nice and all, and I use it at every store that I shop at that accepts it. But it doesn’t make a place I like to shop at a “non starter” due to its exclusion.
Yes. I’ve already shopped at Ace as much as I can because they take Apple Pay, but it is more expensive. Now I can shop more at Lowe’s, skip Ace, and save money.
 
Any retail merchant, either brick and mortar or online, should adopt ApplePay immediately if they haven't already. Or be consigned to the dustbin of history. Especially as long as Apple continues to offer the 2% cash back!
 
I don't remember HD doing that for mine.
Oh yeah, they kind of did.
The third party that HD used is called "SheerID", and Lowe's used ID.me.
SheerID sent me an email requesting the following information after failing to verify themselves automatically.
Screen Shot 2023-12-26 at 23.41.10 .png

I am out of ideas as for what else other than a DD-214 would have all of these info.
The irony is that, these third party should have those information without us sending them anything. Otherwise, what the heck are they good for?
 
In Germany, Austria, and Switzerland, most small businesses in big cities there accept only cash payment and not accept card payments.

I've actually heard that card acceptance there has gotten a lot better since the EU capped interchange to ~0.3% or whatever.

Meanwhile, more and more stores in the US (mainly smaller ones so far) are charging extra for card use because it's literally an order of magnitude more expensive for them. If it wasn't for the fact that card acceptance is basically expected by customers at this point, most stores in this country would still be cash only to this day.

Europe had the “benefit” of having a poorer telecommunications network. In the US, companies could clear a transaction in a matter of seconds using the reliable phone networks. Just swipe and done. In Europe, this was not as guaranteed in a lot of places, so chip and pin was a good workaround.

And, when the next big thing was introduced, capable hardware was either already widespread or included in those vendors next rollouts. The US had to be pushed by the CC companies in the way of rule changes.

Personally, it's poor regulation. The US could have had chip and contactless a lot earlier with some foresight, but instead we waited until our cards literally started having compatibility problems overseas (combined with a few high profile security breaches) before even bothering to transition--and even then, it was pretty half-assed IMO (among other problems: no mandatory PIN, contactless not being required and no requirement for customer handling of the terminal*). Hell, it took a pandemic for Americans to even start bothering to tap cards, despite Apple Pay having been around for more than half a decade by that point.

So no, I don't think we should get any credit for supposedly having 40% contactless usage now. At best, we caught up to what the rest of the world's been doing for 5-10 years+ by now.

* This is particularly problematic because this guarantees the US will never have 100% Apple Pay acceptance. We might still get close to 100% on tapping physical contactless cards, but only because the employees can still tap those for customers.

Any retail merchant, either brick and mortar or online, should adopt ApplePay immediately if they haven't already. Or be consigned to the dustbin of history. Especially as long as Apple continues to offer the 2% cash back!

Considering that high interchange pays for CC rewards, it does make me wonder if there would have been a whole lot less resistance if interchange was capped to very low levels (or even replaced with a flat fee per transaction or something). If nothing else, stores in the US would likely be a lot more okay with CC use than they apparently are now.
 
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