Many Retailers Hesitant About Offering Support for Apple Pay

[H2SO4]

You want my business you play by my rules. That's the way it works.

Except back in the real world;
Adonis > Honey, we’ll walk to the Mall today, give us a chance to test out that new health app? The health app has 500 steps and with 2 flights of steps registered on it and……….


@Sears;
Store > ………..Good day sir and how is Thanksgiving for you this year?
Adonis > It’s real good thanks. Real good. There’s gonna be a lot of happy children around in a day or two. PS4, XB1, even managed to pick me up a few trinkets for the good lady. How much is all this anyway?
Store > That’ll be 917 dollars and 63 cents please.
Adonis > Wow. Well it’ll be worth it to see the smiles on their happy faces.
……..A few moments of frantic iPhone waving later
Adonis > Your terminal doesn’t work.
Store > Oh no, the chip and pin works but not the NFC, you can’t use ApplePay here.
Adonis > WUT! I mean really? Y’all need to get with the times. I’m not having my card details cloned here by the security camera trained on the checkouts! GOOD DAY TO YOU !!

@Bloomingdales;
………...Adonis > Would you believe those Neanderthals down the road don’t have ApplePay?
Store > Sir, here we value the customer. Any customer. We also take security very seriously and put in place the technology for you, our most important people.
Adonis > Great. How much is that please?
Store > That’ll be 997 dollars and 63 cents please.
Adonis > Oh. You price match right?
Store > Sorry sir, not on those goods.
Adonis > Oh.

The health app now has 2826 extra steps and with 8 flights of steps registered on it and……….
@Sears;
Adonis > You haven’t put those items back on the shelf yet have you?
Store > I’m sorry sir, a customer came in right after you and bought them all, they were the last ones.
Adonis > Oh.

The health app now has 5652 steps and with 14 flights of steps registered on it again……….
@Bloomingdales;
Adonis > You haven’t put those items back on the shelf yet have you?
Store > I’m sorry sir, a customer came in right after you and bought them all, they were the last ones.
Adonis > AAAaarrrggghhhH!!!!.

 

[dontwalkhand]

The problem is that Apple strongly gives the impression of it being a solution that will only work with Apple devices. If that it true or not (it is most likely not) does not really matter - lots of stores do not want to be locked into a proprietary solution for payment.

Apple is effectively scaring away potential retail users by not being honest about the technology needed and what it can do. No-one will invest in terminals if they believe that Apple is the only one getting benefits from it.

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Yep, it's the same here in Europe.

Something that makes going to the US a bit more exciting that it should be - all cards where I live still have a magnet strip so you can swipe it, but since it is never used in my country and there are really no way to test it you do not know if the strip works as it should or have been damaged until you arrive abroad

They work if you have used it in an ATM, believe it or not most ATMs use the magnetic strip to allow it to know to pull the card in or not. Try putting your card in the wrong way just to see for yourself. ATMs still rely on the strip for this one purpose even though it will still use the chip for the rest of the transaction

 

[H2SO4]

The banks will make sure that happens. If the banks and VISA, MC etc... say there is a cost to not supporting it, retailers will cave so fast it'll make your head spin. I'm happy to keep my money in my pocket.

The cheapest store is also about keeping your money in your pocket.

Lots of you here promising not to shop where NFC is not accepted are the same people that sit at home and shop online, choosing the ‘Sort by price’ option. You then more often than not buy where it’s cheapest, regardless a lot of the time of previous shopping experience.
Come on man get real!

Don’t know if Apple pay will be a success or not but if you don’t think price is king you’re very badly wrong.

 

[vi2867]

7 years ago many companies were hesitant to move from Blackberry to iPhones, too.

With time, if Apple gets it right, they will move quickly, if not, they won't.

 

[jomo25]

The watershed moment will be: when a major retailer gets hacked in the future, and the communication that goes out will be something like:

"[Company X] is the latest to suffer a data breach of 5 million credit transactions. Anyone who made a purchase with a credit or debit card at [Company X] in the last 6 months is at risk, with the exception of anyone who only used Pay."

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I can see that people still have the misconception that NFC payments and Apple Pay are 2 different things.

My understanding is that any NFC terminal will accept Pay. In that manner, they are the same.

However, only Pay (as of now) has the tokenization (via unique device account numbers) and identity verification (via TouchID) that makes it significantly more secure than other NFC payment implementations.

Another major plus of Pay over the other previous payment system implementations (not necessarily just NFC ones) is that they aren't trying to replace (and thus compete) against existing credit card/banks. They realize that consumers like their credit card (for example for reward points) and also banks/CC companies like their part of the food chain. So, instead of trying to supplant them, Apple created a solution that works with them. Big difference that many are overlooking.

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Haven't you noticed the US is WAY behind the rest of the world in pretty much every thing? High speed internet, these types of pay options infrastructure ect. We think we're the top poo but we aren't. All the bravado is simply our huge egos talking.

I'm not saying it completely excuses the US, but we do have larger legacy issues to deal with, dragging the ability to drive to more robust solutions. Many countries, even 3rd world ones are ahead because they were birthed on the newer systems/platforms/technology.

E.g. Why try to wire a whole country with telephones landlines and cable for broadband, when they can more easily just move everyone to mobile? Thus they had 3G and 4G ahead of the US.

 

[michael31986]

So if s retailer has nfc I can't use it because they don't have apply pay? Or I can use it anywhere with nfc. In lost.

 

[Tower-Union]

Get real the govt isn't going to make every retailer sign on with apple pay.

Of course they won't. I never claimed they would! I simply said that the regulations are requiring and update to NFC/Chip and pin hardware. You know, like every other country in the world is using. I'm always annoyed when I travel to your ass-backwards country and have to use 1960's era technology.

 

[dontwalkhand]

The watershed moment will be: when a major retailer gets hacked in the future, and the communication that goes out will be something like:

"[Company X] is the latest to suffer a data breach of 5 million credit transactions. Anyone who made a purchase with a credit or debit card at [Company X] in the last 6 months is at risk, with the exception of anyone who only used Pay."

----------


My understanding is that any NFC terminal will accept Pay. In that manner, they are the same.

However, only Pay (as of now) has the tokenization (via unique device account numbers) and identity verification (via TouchID) that makes it significantly more secure than other NFC payment implementations.

Another major plus of Pay over the other previous payment system implementations (not necessarily just NFC ones) is that they aren't trying to replace (and thus compete) against existing credit card/banks. They realize that consumers like their credit card (for example for reward points) and also banks/CC companies like their part of the food chain. So, instead of trying to supplant them, Apple created a solution that works with them. Big difference that many are overlooking.

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I'm not saying it completely excuses the US, but we do have larger legacy issues to deal with, dragging the ability to drive to more robust solutions. Many countries, even 3rd world ones are ahead because they were birthed on the newer systems/platforms/technology.

E.g. Why try to wire a whole country with telephones landlines and cable for broadband, when they can more easily just move everyone to mobile? Thus they had 3G and 4G ahead of the US.

Exactly for example we have more places that will take a credit card while in Germany they may have newer cards but a lot of businesses there are cash only! What's the point of a fancy card if they don't/can't use it? At least in the US, even my hotdog vendor takes cards with Square and nobody bats an eye to me spending 79cents on a drink at circle k, using my card. In Germany I'd get weird looks buying gum with a card.

We also have more LTE than Europe (though that may be changing)

Also we had Netflix first while Europe had Spotify first.

Everyone has their own things and qualms.

NFC will happen in the US in no time. In the meantime get the MasterCard nearby app and you'll find plenty of places around you that will happily take your ApplePay

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Of course they won't. I never claimed they would! I simply said that the regulations are requiring and update to NFC/Chip and pin hardware. You know, like every other country in the world is using. I'm always annoyed when I travel to your ass-backwards country and have to use 1960's era technology.

At least you can use your card. I travel to countries that have Chip & PIN, but yet the businesses are cash only :-/. I think that at least here every business out there pretty much will take a card- and have it reflect your account instantaneously because its processed online not offline like most transactions- even in rural areas.

Ps, my Wells Fargo debit had NFC for about 10 years. I have had Chip and PIN credit cards since 2012, and I use it at least once a week at Walmart (and yes using the chip not the stripe) and I just ordered my Bofa Chip and PIN debit card.

We aren't TOO backwards.

 

[R3k]

If you can't see the Apple train coming, you are going to get hit by it and die.

Gold.

 

[AppleHater]

With all those another major retailer register got hacked news every few month, Apple Pay is a no brainer. There is nothing hackers can do with my transaction even if they intercept the transmission of the data.

For me, even the cool factor alone is a good enough reason for me to use Apple Pay every where that accepts it.

 

[H2SO4]

There is nothing hackers can do…...

This bit is funny. Nothing is 100% secure. Please save your rubbish until it’s been out at least 5 minutes.

 

[henzpwnapple]

They are just not the early adopter. But soon or later they will have that capability (or budget) once the top management sees what they lost.

 

[MyopicPaideia]

The domestic processing network ... i.e. Visa Canada versus Visa USA. Also, the bank which has issued the terminal.

Ok, I get what you are saying - and I am sorry I was condescending to you yesterday - Father of 2 toddlers on a late Saturday night

That said, the ability for Pay to work is dependent on the home payment network of the card's issuer, not the "local payment network" and nothing to do at all with the POS terminal, merchant, or their network connection.

 

[Philsy]

Why just the USA?

I'm puzzled as to why Apple has chosen to limit Apple Pay to a country that has yet to widely adopt NFC payments.

Surely it would make sense to roll it out in markets that are already using the technology, to ensure Apple a foothold before Google and other competitors get ahead.

There's a risk that Apple will miss the boat here.

 

[Doc C]

Speaking of Kmart and Sears not wanting to adopt apple pay/NFC payments, which would be a MUCH more secure way of handling payments...

http://www.cnbc.com/id/102078876

"Sears' Kmart stores were hit with a data breach that compromised some shoppers' credit card information, the company said Friday."

Both shoppers?

 

[MyopicPaideia]

It requires a supported payment network to handle the tokenization. Currently only American Express Direct, Chase Paymentech, First Data Compass, and GPN will support Apple Pay.

Apple didn't create anything, they are using tokenization processes developed by the CC Networks themselves. Apple didn't develop them internally and then present them for approval. Apple implements them in a very secure way, but uses existing technology standards that do not need to be changed in any way to achieve it.

The only thing that needs to happen is for the CC issuers to support the CC Network's tokenization systems. This is what will happen country by country, bank by bank. It has nothing to do with where the card is used, or the merchant or the POS terminal itself. If the issuing bank supports the tokenization process used by Pay, then that card can be used at any NFC enabled POS terminal.

 

[Trapezoid]

So to rephrase "Many Retailers Hesitant About Offering Support for NFC"

No biggie. They will.

 

[lordofthereef]

I live in Canada and a lot of retailers already have nfc terminals. Which is why it's kind of infuriating that I can't use Google wallet here (yes, I'm one of the 'others'). But when I think about it it isn't any easier to tap my phone than it is to tap my credit card.

What's the big deal? When you finally do get the terminals in the states the cards will have the chips... If they don't already.

I wouldn't call it easier, maybe less cumbersome? For those who have a slew of cards, not needing to shuffle through the wallet (or perhaps even bring the wallet), not needing to enter a pin, and not needing to sign anything are all steps in making things less cumbersome.

In cases where you have lines out the door (holidays, launch events, etc) I could see shaving off a few seconds with each transaction being beneficial. But even if not, it just seems more convenient to pay with a phone for me.

 

[JungeQuex]

Dear Apple

Just roll it out in the UK, we are ready. We have the NFC terminals. Bring it. Let the US see what they are missing. Let them see how its done. Make them feel inadequate. They don't like that feeling. It'll make them rush to implement it quicker.

Well, the UK has been using Chip and Pin for years now and the USA is just now implementing a half-assed Chip and Signature solution to the magnetic strip. So, with that being said, I wouldn't count on it.

 

[RockSpider]

I wonder if Apple is going to send their staff into these stores and get all their iMacs back.

 

[Max(IT)]

As usual, NFC payment is around since a while, but Apple is going to make it a viable option for real shopping.

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I understand. They are skeptical. Give them some time, they'll come around.

I think most of them aren't skeptical. They are just unprepared and need some time...

 

[diegogaja]

Actually, it's your ignorance that is baffling. Companies have to make modifications to the POS devices by next year or be subject to more losses. Has nothing to do with apple pay. It's law

Lol spoken loike true apple fanism NFC payments were here years ago. All those 200k locations are set up for NFC and or google payments which now includes softcard/Isis.

Wow the ignorance of apple consumers is baffling.

 

[576316]

I don't see why this even matters. All retailers are gonna offer NFC payments at some point which means they support Apple Pay by default.

 

[roadbloc]

Just roll it out in the UK already. We're ready over here, I've been using NFC to pay for stuff for a good couple of years now.

 

[Max(IT)]

american express has been around forever and isnt accepted everywhere. what makes apple think it can come in and do an exponentially better job?

Those are two totally different things. Pay isn't a different payment line to be accepted, but a different mean of using the same already accepted payment line.

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Why would this be anything surprising? Google and NFC has been available long before apple was in on it. This applepay noise isn't going to motivate the push for more acceptanc . You guys act if apple is some holy grail of mobile payments just because they decided they want in on NFC payments.

Get In line those 200,000 terminals are using Isis and other NFC payments long before apple is. In fact most of those 200k terminals don't even work!

Example is at rite-aid, Walgreens, bestbuy which doesn't even work at all even when tried by employees.

Maybe in 2017 we will see more acceptance widespread but for sure nothing will change. Apple pay isn't some awesome free or beneficial incentive for retailers at the moment. Those 200k locations consists of mostly coke vending machines too lol

An Android user suffering in denial?
Like it or not,a lot of Apple services aren't a new idea, but they took something already existing and made it really usable. It would be the same for NFC payments...