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Many Retailers Hesitant About Offering Support for Apple Pay

NFC-enabled does not mean it works

Everyone seems to be saying that as long as the merchant supports NFC, Applepay will work. That is simply not true, NFC works 100% for my normal credit cards but only 50% for my Amex and i usually have to use the chip instead so no NFC-equipped does not mean Applepay will work 100%
 
Stolenfire said:
Everyone seems to be saying that as long as the merchant supports NFC, Applepay will work. That is simply not true, NFC works 100% for my normal credit cards but only 50% for my Amex and i usually have to use the chip instead so no NFC-equipped does not mean Applepay will work 100%
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The merchant has to support Amex NFC, and unfortunately barely anyone does. Most will support Visa/MasterCard fine though.
 
dontwalkhand said:
The merchant has to support Amex NFC, and unfortunately barely anyone does. Most will support Visa/MasterCard fine though.
Click to expand...

That's exactly my point lol....even if the merchant supports NFC does not mean that Applepay will work unlike what everyone seems to think
 
jlake02 said:
If I have the choice between 2 very similar businesses, I will opt for the one that uses :apple:Pay. Bring on the future, America. Get out of the plastic past!
...
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I don't know if you are aware, but NFC chips have been built into a lot of phones for at least couple of years now. So, technically, you and my new iPhone 6 Plus are only now catching up, with the recent past :(

But I am worried about further fragmentation, with Apple refusing to include PayPal, because PayPal is included on the Samsung Galaxies. This is a blatantly anti-competative move by Apple and I hope it gets sanctioned for it.
 
mitty said:
This whole thing is hilarious to everyone in Australia, where the majority of retailers already accept NFC. Apple should totally be rolling Apple Pay out here before the US, we're a great Test Market for it.
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I think the US is being used as a small scale/test launch. In the US iPhone 6 owners will be making ApplePay purchases in the few places NFC terminals are available, vs in Australia where every iPhone 6 owner will be trying to use ApplePay at for almost every purchase immediately.

When there are bugs to iron out, you'll want to do it where coverage is patchy, not where the entire ownership has immediate access to the technology :)
 
Stolenfire said:
Everyone seems to be saying that as long as the merchant supports NFC, Applepay will work. That is simply not true, NFC works 100% for my normal credit cards but only 50% for my Amex and i usually have to use the chip instead so no NFC-equipped does not mean Applepay will work 100%
Click to expand...

There is a particular icon you have to look for..... http://www.apple.com/apple-pay/ scroll down to "Use Apple Pay in these stores." to see it.

Someone else pointed out if you download the Mastercard Nearby app and look at the "Contactless payments", you pretty much know where you can use ApplePay.....
 
Amadeo said:
Speaking from experience of working in the retail marketing space, the single biggest reason why it'll be quite a long time before NFC/Apple Pay is ubiquitous, is because of cost. People seem to think it's as easy as flipping a switch to support a new payment format. It's not. It requires an upending of the point-of-sale infrastructure. Not that they shouldn't invest in the future, but it's an EXTREMELY expensive endeavor. It's tough enough for some retailers to even change the way their receipts print out. Changing the kinds of technologies they accept for payment...

We've got a long road ahead of us.
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And we need to start holding retailers full liable for every penny of payment breaches. Not some of the costs... all of them including issue a new card, etc. So, they can whine about how hard it is to update and how much that will cost... or they can be out billions when tens of millions of people's information is compromised.

Me, I'll be looking for stores that aren't penny pinching Luddites and who care about investing in tech that protects their customers.
 
My wish list:

2 day battery life.
Waterproof phone with inductive charging (iWatch)
Ability to provide government accepted ID in passbook or with simple action
Keyless entry to House/vehicle/office (can iPhone clone an office NFC?)

Do this and iPhone replaces my wallet as well as giving me happy pockets for life.
 
Heltik said:
My wish list:

2 day battery life.
Waterproof phone with inductive charging (iWatch)
Ability to provide government accepted ID in passbook or with simple action
Keyless entry to House/vehicle/office (can iPhone clone an office NFC?)

Do this and iPhone replaces my wallet as well as giving me happy pockets for life.
Click to expand...
Not yet for the office NFC, that alone would be awesome. And start enabling NFC for other uses so I can really ditch everything and just carry the clothes on my back and an iPhone.
 
spectrumfox said:
I've also noticed that while it seems a handful of major stores are going to support NFC and Apple Pay soon, no major sit-down restaurants are on that list.

None at all.

So those people here in the forums who will only patronize businesses that accept Apple Pay must not plan on going out to eat with their friends or family anytime soon.

When the waiter brings a check, they certainly don't bring an NFC pad for you to tap your phone on to pay for your meal.
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I was in a Chili's (I have no idea how large the chain is) and I swiped my debit card right at the table to pay for my meal. The readers they had at each table also appeared to take NFC touch less payments.

----------
Oracle1729 said:
Well TB and FW flopped because they were just too expensive for too little benefit.



With ApplePay, Apple expects a cut of every transaction, it's more expensive than debit or credit processing. So what's in it for the retailers. Fanatics on this forum may take their business elsewhere. The average person will keep their plastic, in which case why should any retailer pay the Apple tax?
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The payment to Apple comes from the processor, the charge to the retailer does not change.
 
Poisonivy326 said:
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.
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Thank you for heads up... if I go there I will carry little cash than normal.... Otherwise, I don't carry a lot cash. If someone steals the cash... I am SOL. If someone steals the credit card, they are SOL...
 
Oracle1729 said:
Oh, really. So that 1.5% is coming out of the bank's profit?



The banks are in a line of business where they will pay out more in expenses to operate a service than they make from operating the service?



Of course the retailer is going to pay it. The bank isn't going to give up any money to Apple just because their customer (the retailer) chooses to play nice with Apple.
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It's 0.15% and the banks and processors are willing to pay Apple because they believe this system will reduce fraud to a greater extent than what they are paying Apple.
 
wikiverse said:
I don't trust apple pay.

Apples software releases and updates have been terrible in recent years. Maps, FCX, ios8, iWork, MobileMe... Even iCloud fails on a regular basis. Plus iPhones have the worst battery life.

I just don't want to give apple control over my access to my money. With the recent iCloud security issues, they haven't earned my trust.

If I'm still carrying cards around as a 'backup' then apple pay is useless. It just adds more steps to the process of making a payment.

But that's just me.
Click to expand...

This is actually a good point, IMO.
 
Zxxv said:
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.
Click to expand...

Amen :)
 
The US is so backwards. I can walk in to most small coffee shops and "pay wave" via nfc in Australa. NFC has been here for over 2 years and as mentioned simply requires a terminal with NFC. A simple firmware update for some I suppose.
 
Last edited:
Stolenfire said:
That's exactly my point lol....even if the merchant supports NFC does not mean that Applepay will work unlike what everyone seems to think
Click to expand...

Not exactly. While it has been said before that if the merchants except NFC then Apple Pay will work, however you're still using a credit card or debit card with Apple Pay … Whichever one you happen to select. If a retailer does not choose to take American Express that American Express card in Apple Pay will not work but your Visa or MasterCard will.

This is one of the main points about Apple Pay. You can still get credit card incentives/miles/cashback. It's just a very secure, convenient way to use your existing cards.

As far as the retailers, many don't seem to understand that they only have to accept NFC payments. Some already do and incorrectly think that Apple Pay is something more. I have seen many stores with The NFC logo recently, including many vending machines, and even more stores with Veriphone MX 925 that is NFC ready. I hope they turn enable them!
 
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