Our CFA just added some sort of scanner to read a bar code off a phone. I think they are doing their own thing. It looked more gift card like.
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Many Retailers Hesitant About Offering Support for Apple Pay
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Our CFA just added some sort of scanner to read a bar code off a phone. I think they are doing their own thing. It looked more gift card like.
Reasons you will always need a plastic credit card:
1) You have no signal in the store.
2) Your phone battery goes dead.
3) The merchant terminal is not NFC enabled.
4) You shop online and don't have your own NFC card reader at home.
5) You don't have a smart phone.
Also, try cash once in a while. It saves the merchant 3% and lowers everyone's bill in the long run.
1) You have no signal in the store.
2) Your phone battery goes dead.
3) The merchant terminal is not NFC enabled.
4) You shop online and don't have your own NFC card reader at home.
5) You don't have a smart phone.
Also, try cash once in a while. It saves the merchant 3% and lowers everyone's bill in the long run.
I don't know what the process involved would be, but I would love it if my email address was somehow tied to my Apple Pay transaction so that the receipt was emailed to me automatically.
Not only would this be good for the earth and trees, but actually be a cost incentive to the merchant on saving on paper rolls and ink.
That alone could be what pushes smaller retailers to NFC.
Not only would this be good for the earth and trees, but actually be a cost incentive to the merchant on saving on paper rolls and ink.
That alone could be what pushes smaller retailers to NFC.
I'm not going to try to save Walmart 3% only to inconvenience myself with breaking my bills and getting change that I'll lose or forget about. Mom and pop store maybe but big stores they already have enough money.
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One step at a time. A lot of places do ask for your email address on the PIN pad to email receipts but they are in addition to the paper receipt not a replacement.
Reason being is they probably use it to deter shrink. Also nobody wants to enter long bits of information on a tiny resistive touchscreen.
That's what I meant in my post by "automatically" tied to my transaction.
I get asked if I want my receipt emailed in several locations I shop at but it requires me having to say/spell my email address or using a germ infested stylus.
NO GO!
Even the Apple store the other day asked me what my email address was to send the receipt.
Cash is a pain, esp. when you get change back. Whatever small % is baked into prices is OK by me. Only the smallest of mom and pops pay 3% & they typically won't take a CC unless the total is over $10. Most pay 2% or less depending on volume.
Having used my chip card at several places in the US already it would be a disaster to go straight to PIN. For a lot of smaller businesses and restaurants customer facing terminals are a completely different way of doing things and they need time to adjust. Plus, a lot of retailers are only adopting the necessary equipment because they have to, not because they want to. Thus, doing the cheapest and easiest possible way of meeting the requirements.
Your phone has PINs too. And a finger print scanner. And find my iPhone. This point is moot.
Also you're screwed when your $800 phone is stolen regardless if it has your cards in it or not.
If I have the choice between 2 very similar businesses, I will opt for the one that usesPay. Bring on the future, America. Get out of the plastic past!
But there's no difference. Both are electronic payment methods.
So, that means you will stop shopping there?...........isheep......
How does that line go? "Talk with your wallet?"
If you really want Apple Pay to be a go, then do just that.
Talk with your wallet and don't shop at places that don't take Apple Pay.
These posts just show how frighteningly white-bread many Apple users are. Try being Asian and "not carrying cash or cards." Most Chinese restaurants (authentic ones, not the ones who want white clientele) don't accept CC, and neither do most Asian grocery-marts.
Never seen a cash only grocery store or restaurant and they are "authentic Asian" - and it isn't "white clientele". This point is moot too.
The unbelievable thing is that on many post there are just people trying to downplay
Their presence on a forum like this always have been puzzled me.
No more puzzling than the people who are wildly praising Apple Pay, claiming they won't do business with any company who doesn't support it, and obviously have no idea what NFC even is......
Uh, go to the Chinatowns of various cities. Plenty of grocery stores are cash only and so are many restaurants. Forget NFC.
Some grocery stores have a $30 minimum for credit card, if they accept cards at all.
Been to China Town of LA, and every merchant there, and train tickets and parking meters took my card. I travelled with absolutely no cash. These merchants pretty much were even operating out of a tent. Sure some had a $10 minimum at most.
Also a minimum of $30 is not allowed by their merchant agreements, $10 is the maximum allowed.
Oh come on. If European countries can do it in one step, why can't the US? It really isn't a hard concept to grasp. It's been 8 years since a seamless transfer in the UK. Before Chip and PIN, we had swipe and signature, so it would be exactly the same jump that we did.
We had the same costs (probably greater as the equipment will be cheaper to make now) for retailers, and surely upgrading the equipment once to accept Chip and PIN now would be cheaper than a two step process.
Australia did it in two steps and the U.K. did it in kind of two steps (allowing PIN bypass to allow you to sign instead of PIN).
So no, we aren't alone.
And don't say Europe because Italy and Germany are still Chip & Signature and they I believe are in Europe too.
Also my US credit cards are Chip & PIN, and my new BofA Debit is Chip & PIN with sig bypass. - not chip and signature. (USAA MasterCard is C&P)
As for costs they don't change because no matter what country you're in, everybody buys their terminals and PIN pads from the same place, Verifone, Ingenico, or Hypercom, and some random off brands out there like PAX, Magtek etc.
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There is no Chinatown of LA. "Los Angeles" is a series of small cities in one large county. There are Chinese communities throughout the LA/Orange County region but they are not the same as the concentrated Chinatowns of say New York or San Fran. And I can tell you there are many places there that do not accept CC.
Who cares if a store doesnt take Apple Pay......Not going to stop me from shopping there......Like I said isheep....
Germany are Chip and PIN as are Italy.
And yes terminals will be cheaper now than they were 8 years ago. The units will be cheaper to manufacture.
Signature bypass in the UK only worked by swiping the card and was only used before the EMV liability date. After that, merchants didn't want the risk, and if you didn't know your PIN, tough.
When I worked at Walmart, Chip & PIN cards all asked for PIN, unless they were German/Italian cards or some US cards that were C&S, like Chase credit cards. And I've seen some German cards with regular Chip & PIN. So that means that not ALL cards in Europe are Chip & PIN, and some are C&S just like our US cards.
I don't think Walmart's systems are programmed to bypass CVMs on the card. I wasn't able to do PIN bypass either for people who didn't know their PIN, and on our instruction sheet it even said "PIN bypass is not supported for Chip & PIN cards"
The guy from Germany even said he has to sign for purchases when I said "use the Chip & PIN reader please" to the customer when he tried to swipe the card and it prompted the "card must be inserted"
By the way, yes my Walmart is in America.
And you sign the electronic screen not the receipt in the US, when using C&S.
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