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Many Retailers Hesitant About Offering Support for Apple Pay
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No special training to takePay. If they take NFC, they can take
I think someone will need to do an Youtube video tutorial before the influx of
Pay users.....----------
You may find people avoiding your business because you don't have it....
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Remember this is NOT an upgrade cost issue. Many merchants such as Sears, 7-Eleven, Target, Best Buy, Barnes & Noble, Lowe's, etc ALREADY own equipment capable of contract and contactless chip card transactions. They choose to disable chip support in software. It is likely that they will enable contact chip support next October to avoid counterfeit fraud liability but there's no good excuse for not doing so now other than not caring about their customers' security. As for contactless they have three reasons to not enable it. One is to prevent competition with their own MCX platform. Which is a customer nightmare. The other big one is to maintain debit routing choices. The final one is hope that if they wait there will be contactless incentives.
No, it was a crappy product, and they are lucky it didn't take off... Or they would have canned it.
Just like when GMail Sync got popular they tired of funding an active-sync license for all.
They would have gotten tired of paying credit card fees for everyone.
The google system was to process payments using a proxy credit card that they issue.
Meaning they paid a transaction fee to visa for every one.
Meaning you didn't get store specific rewards from your bank.
If you had a dispute, you had to raise with bank, who raised with goog, who raised with merchant. An extra layer of buracracy.
It was ****.
Exactly - tokenization is a new service, and will require adoption by the country/by bank. Your comments regarding international support of Apple Pay "just working" is an over simplification of the issue.
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Actually,Pay implements an EMV standard. But, it was only published early this year.
Not only EMV, but Visa Tokenization Service and MasterCard DES - these are new services that were "officially" announced only a few weeks ago. These two services are above and beyond the EMV standard. Technically speaking, these standards are not Apple Pay only - it's an open API so I expect Android and other "mobile" devices to begin adopting it as well.
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Partially, there is a static token stored in the secure element, but each and every request will be dynamically encrypted and tokenized as well. Look at page 10 of this presentation:
http://usa.visa.com/download/merchants/encryption-tokenization-09182013-public.pdf
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PS. Folks, it's "Apple Pay", not
I agree.
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I think I am being misunderstood. Once your have a card from an
Pay enabled card issuer, (say Wells Fargo for example) that card should be capable of being processed using Pay anywhere in the world that NFC payments can be processed.The tokenization communication process is between you and your own card issuer. If zero banks or card issuers in the UK have
Pay enabled processes, it shouldn't matter one little bit to the WF card above. The WF card doesn't communicate with UK banks or card issuers. It communicates with WF in the USA.But on the other hand, I think you are talking about this: Just because you get a Barclayscard card doesn't mean all will be
Pay enabled. A card issued in the US will while its equivalent in the UK will not (until Pay is rolled out in the UK at a later date).
That's a good question, but once it sinks in they are losing out on a sizeable chunk of business, with iPhone users preferring to deal with merchants using ApplePay, they might eventually concede and offer both their 'Merchant Customer Exchange' system as well as ApplePay.
Some of the banks and credit card issuers seem to be very impressed with the ApplePay system and its seemingly 'bullet-proof' security features, so time will tell how this all shakes out.
If Apple manages to become the default payment system, or even only a major player amongst others, they stand to make astronomical sums of money from ApplePay, even dwarfing the (as of late dwindling) profits from their 'iTunes Store' business.
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I couldn't agree more here.
Retailers want choice... They don't want to be forced into a technology, which Apple is clearly making them do... (but it's Apple, customers know that already with their constant downloading of iOS 8 "look at how much good we're doing. its on your device waiting to be installed")
Personally, while Apple may want as many as possible to get on board, those same retailers would also need to support it..
Most don't wanna do that...... I mean, its easy to support EFOS, and other Credit card systems, because it's "easy" Most wouldn't want to help people pay with smart phone (assuming the customer has an iPhone 5s or later)
That's the first limitation. And while to move to anything new will take time and maybe a few retailers will eventually crack under pressure, no doubt that EFOT/CC translations have been around for a lot longer than this, so why not stick with what's always worked well?
Retailers want choice... They don't want to be forced into a technology, which Apple is clearly making them do... (but it's Apple, customers know that already with their constant downloading of iOS 8 "look at how much good we're doing. its on your device waiting to be installed")
Personally, while Apple may want as many as possible to get on board, those same retailers would also need to support it..
Most don't wanna do that...... I mean, its easy to support EFOS, and other Credit card systems, because it's "easy" Most wouldn't want to help people pay with smart phone (assuming the customer has an iPhone 5s or later)
That's the first limitation. And while to move to anything new will take time and maybe a few retailers will eventually crack under pressure, no doubt that EFOT/CC translations have been around for a lot longer than this, so why not stick with what's always worked well?
The back end stuff is with the customer's bank. The merchants need do nothing other than support NFC payments.
LEAKED: Apple Pay Will Probably Launch Next Week http://www.businessinsider.com/apple-pay-release-date-launch-walgreens-2014-10
Because Apple isn't implementing anything new really. NFC has been around for years and is supported by Visa, Mastercard and AMEX.
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Remove the probably. And even then they're not implementing it properly. Chip and signature, rather than the more secure Chip and PIN.
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The latter. If they accept NFC, they automatically accept Apple Pay.
Exactly, and that's something most merchants may not do... I'd be interested in seeing just how many more merchants will spring up every month to get on board with NFC with Apple effectively 'twisting' their arms.
And I'm sure the ones who don't, Apple will no let go...
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No, the vendor doesn't have to agree to Apple pay. They just need to take NFC payments. The back end is done between the card company (VISA, Amex or MC) and the customer's bank
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Apple Pay IS NFC contactless. To the merchant there IS NO DIFFERENCE
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NO IT DOESN'T lock down NFC. Apple Pay is all done at the back end. As far as the merchant is concerned, it's just another contactless payment.
It doesn'tReally!!!??? You just kicked me in the gutt! I love Chipotle's, I didn't know it belongs to McDonald's.
Totally different. Bitcoin is a virtual currency subject to exchange rates. Apple pay is an implementation of an industry standard payment method using standard credit/debit cards.
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FFS IT IS NOT PROPRIETARY. Not for the retailers. They accept NFC, they automatically accept Apple Pay
Nope, that's all handled by the card company (Visa, Amex or MC) and the customer's bank.
No, you have it backwards. Retailers abhor choice. If they could thrive by only accepting cash and the house credit card, kind of like Sam's or Costco, they would only offer those payment methods.
It's consumers that demand choice. Retailers don't freely relent, but do so when their sales record demands it.
Apple isn't forcing anything on anyone. NFC is a standard available on non-Apple products and embedded in many credit cards. Either retailers adopt it to grow sales like they originally adopted taking Master Charge (MasterCard) and Bank Americard (Visa) or they don't. It's their choice to make.
Late to the thread...
But I was having lunch in a Chick-fil-A last week (crap policies, great product - damnit) and noticed customer-facing terminals. When I asked the employee what they were, she said they were preparing to active mobile payments in the next week or so. So I'd say they can be adds to the list of Apple Pay-friendly establishments.
But I was having lunch in a Chick-fil-A last week (crap policies, great product - damnit) and noticed customer-facing terminals. When I asked the employee what they were, she said they were preparing to active mobile payments in the next week or so. So I'd say they can be adds to the list of Apple Pay-friendly establishments.