Many Retailers Hesitant About Offering Support for Apple Pay

[stewy]

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.

 

[budselectjr]

It will happen in October 2015, because at that time any retailers that continue to use swipe-and-sign terminals will have to eat credit card fraud charges: October 2015: The End of the Swipe-and-Sign Credit Card - Corporate Intelligence - WSJ

Yep. Once the cost of fraud out paces the the cost of new machines for the company the will have no choice but to switch.

 

[BornAgainApple]

Just another reason I will wait for the 6S before upgrading. My iPhone 5 has served me well the last two years.

 

[Blue26]

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

AE is notorious for siding with customers on charge disputes .. therefore a lot of merchant / payment companies don't want to accept them. Its' not because their cards don't work in the POS terminals.

 

[Tubamajuba]

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

"We’ve learned and struggled for a few years here figuring out how to make a decent phone"(...)"PC guys are not going to just figure this out. They’re not going to just walk in."

- Palm CEO Ed Corrigan in 2006, referring to the iPhone

 

[Tower-Union]

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.

Actually I think they were pointing out that regulatory requirements are changing right away to force retailers to upgrade to NFC equipped terminals. But hey, thanks for painting all "apple consumers" with one broad brush.

 

[gnasher729]

it does. they refuse to support apple pay in favor for android NFC support, despite the hardware being the same (to avoid paying Apple incase a customer wants to use their iPhone to pay).

That's ridiculous and not understanding one bit how NFC works.

Once you support NFC, you support NFC, and any payment method that Visa, Eurocard, AmEX allow will work. You _can't_ refuse Apple Pay.

And because Apple Pay is the safest method, fees that the merchants pay are _lowest_ for Apple Pay. Less safe methods cosst higher fees because of the higher risk of fraud.

 

[AliMacs]

The one shopping place where I wished I could use my NFC payment is at Costco since they only accept cash debit or amex. Of Costco support NFC payments man that would !ake a difference. But just like apple Costco is all about profits there is no incentive to use NFC payments and especially not apple pay.

 

[Moonlight]

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

Welcome to the board. Did you just sign up to add your negative spin on ApplePay? How is the Google cafeteria? Do they accept NFC?

 

[jim2011]

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.

I wouldn't be so quick to bash him... Apple/Google/Isis whatever, doesn't matter but NFC is coming to a LOT more locations in the upcoming years. Yes those 200K already existed but that's a small fraction of where it will be in a year or two as the credit card machines get updated (which they are required to). Not all updated machines will be NFC but a lot will be.

 

[betabeta]

OK fine, I'm hesitant to give those retailers my card information I really don't trust any of them with my information anymore so pay is attractive to me.

So if Walmart doesn't accept pay, Target will get my business, and I never really liked Walmart anyway, just one more reason to not go there.

 

[genovelle]

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.

Many of these companies most likely got passed over. I think Apple is focusing on the market they have the most staff in and that will allow them to grow at a controlled pace. A European roll out would be jumping in full blast without time to get the kinks out.

 

[teknikal90]

"We’ve learned and struggled for a few years here figuring out how to make a decent phone"(...)"PC guys are not going to just figure this out. They’re not going to just walk in."

- Palm CEO Ed Corrigan in 2006, referring to the iPhone

totally different industry.
Apple brought the modern PC into your pocket with the iPhone. Hence, as a 'PC guy' theyre built to excel in that transition.

the Apple iPhone on the other hand, isn't inherently a bank.

 

[gnasher729]

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.

How many people have used it?

I suggest we wait until a month after Apple Pay is actually available, and then get some statistics about the amount of money paid with each payment method.

 

[darkslide29]

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

Because Apple Pay has the capacity to load a Visa, Mastercard, Discover, American Express, etc. It isn't about accepting a certain type of card. Apple Pay isn't a type of credit card.

And because it doesn't use proprietary hardware. It uses NFC modules that stores already have installed and continue to be installed, regardless of Apple Pay existing.

Also because there is a new law upcoming that will require US Credit Cards to have a smart chip in it, as Europe has been doing for some time. This new law will require some places to upgrade their credit card machines, which includes machines with NFC.

 

[AliMacs]

Actually I think they were pointing out that regulatory requirements are changing right away to force retailers to upgrade to NFC equipped terminals. But hey, thanks for painting all "apple consumers" with one broad brush.

Get real the govt isn't going to make every retailer sign on with apple pay. Some sort of sim chipped credit card terminal readers yes but not apple pay. What you fail to understand is there is no incentive to use these technologies especially when its faster to use my credit card swipe. Remember back then when you couldn't even use a credit cxard to pay for gas at the pump but instead had to go inside to a clerk? Perhaps you apple hipsters are too young to recall but that took ages to finally gain widespread acceptance.

Apples pay system will take at least 5 years to become widespread enough.

 

[teknikal90]

AE is notorious for siding with customers on charge disputes .. therefore a lot of merchant / payment companies don't want to accept them. Its' not because their cards don't work in the POS terminals.

interesting... in what way?
I had my credit card swiped a few years back and found that several very expensive items were bought from a jewelry store - Visa sided with me.

 

[JoeMacDe]

No big deal...

It makes my shopping choices much easier. I simply won't do business with a retailer that does not accept NFC/Apple Pay. Wherever there is an alternative that does accept it, my decision will be easy.

In fact, I will be letting BP know that they have lost a customer.

 

[Scottsoapbox]

That 220,000 stores is less impressive once you consider how many of them are McDonalds...

 

[teknikal90]

Because Apple Pay has the capacity to load a Visa, Mastercard, Discover, American Express, etc. It isn't about accepting a certain type of card. Apple Pay isn't a type of credit card.

And because it doesn't use proprietary hardware. It uses NFC modules that stores already have installed and continue to be installed, regardless of Apple Pay existing.

Also because there is a new law upcoming that will require US Credit Cards to have a smart chip in it, as Europe has been doing for some time. This new law will require some places to upgrade their older credit card machines, which includes machines with NFC.

yes you're right - but from reading the article it seems that each individual vendor has to explicitly agree to accepting apple pay. thereby it's effectively making Applepay into another type of card, no?
right now, a vendor can choose to accept Visa, Mastercard etc.
With apple pay, vendors can then explicitly choose to accept visa, mastercard AND applepay..?

am i missing something?

 

[dugbug]

totally different industry.
Apple brought the modern PC into your pocket with the iPhone. Hence, as a 'PC guy' theyre built to excel in that transition.

the Apple iPhone on the other hand, isn't inherently a bank.

Neither is Apple pay. Apple pay is a payment transaction system with substantial banking industry approval.

 

[michael31986]

What is the differ nice between Apple pay and nfc. How can the stores allow the phone to pay nfc but not Apple pay. Isn't it the same thing.

 

[teknikal90]

Neither is Apple pay. Apple pay is a payment transaction system with substantial banking industry approval.

lol. i said that line for dramatic effect.

okay: the Apple iPhone isnt inherently a payment transaction system with substantial banking industry approval.

 

[Jason83]

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

That's kind of 's thing...

 

[Mildredop]

It's going to be another Ping.

And look at the stores they mention. Apple (well, obviously), Babies R Us, Disney Store, McD's - they're very chavvy shops.