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Many Retailers Hesitant About Offering Support for Apple Pay
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Yes, you are missing something. When you say, "With apple pay, vendors can then explicitly choose to accept visa, mastercard AND applepay" is incorrect. That statement makes Apple sound to be a type of credit card, when it is not.
The store just needs to accept NFC payments, the credit card module that has a symbol that looks like a sideways wifi bar signal. If they have this, they accept apple pay (as well as google wallet and whatever else uses NFC). They can't exclude Apple Pay without excluding ALL of the NFC payments out there.
I don't know where you're located, but McDonalds, for example, has these modules in probably every store in the USA. Therefore it was easy for them to say they accept apple pay. they've had these machines in their restaurants for a long time. Because they accept NFC payments, that's all that matters. They can't accept NFC while excluding Apple. It's all or nothing.
It comes down to this... These stores aren't explicitly saying no to Apple Pay. Instead, they are saying no to accepting NFC. By them calling it apple pay just goes to show how powerful apple is in entering an industry, already using their coined term for the technology.
So when Costco says no to apple pay, they're really saying no to NFC machines altogether.
In a way, Google Wallet has helped put these machines in a lot of stores. The difference for us is that Apple Pay is a more secure way of doing it. Google will keep track of where you buy to keep profiling and making advertising dollars off of you, Apple won't. Google will be using and sharing your credit card number with the store, Apple won't (since it's a one time use card number they use each time).
EDIT: I did not give Google enough credit on the security side. They do use a virtual credit card number for your purchases, so they are also not sharing your main credit card number with the merchant.
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Best buy, only when they have crazy sales, but that's probably twice a year at most. Sears, the only thing I can think of is appliances other than that, I don't go there. Kmart, I have no idea if there is even a Kmart around my area.
That is basically my position. If there is an acceptable alternative that supports Apple pay I will use that alternative. If it's not needed then I am not obligated to make a purchase.
And I have walked out on a business that doesn't take Amex. Amex customer service, including warenty service, is unmatched. When my iMacs keyboard died after 3 1/2 years Amex offered to pay for repair. When the repair cost was greater than purchasing a new one Amex told me to buy a new one and they credited my account. Do you know how many Amex employees it takes to resolve an issue? One.
You don't have to be everywhere to be preferred.
This story is so pointless let's list all the places that aren't accepting a form of payment that isn't even available yet.....in a year if Apple pay is successful all these retailers will be knocking down the door to accept it.
Be careful you don't wake up from your dream too quickly, it will be a big shock to your system.
Apple does not rule the world. And they certainly don't rule other companies.
If you think smaller businesses and Mom and Pop shops will suddenly invoke NFC just because Apple is finally adding a chip into their new iPhone's, you're in for a rude awakening.
This is all about making the iPhone more indispensable while also causing a hassle for anyone switching to Android.
Really!!!??? You just kicked me in the gutt! I love Chipotle's, I didn't know it belongs to McDonald's.
This is all very true. To this day, there are still many places that don't accept cards - a technology that was introduced 60 years ago.
Touchless payment may be easier/better/whatever but it won't replace cards anytime soon and cash is here forever.
You want retailers to sign on,simply give the terminals for free. Sure bill them same surcharges but at least provide terminals and or support training. But of course not because that would eat into apple profits as always apple profits always come first.
Most Android phones are already capable of NFC and have been for years now.
It's Apple who is just jumping on board. People with Android phones have been able to make purchases via NFC for a long time.
So in short, as long as the store has one of those side way wifi (NFC) symbol it will most certainly work with the NFC payment using the iPhone? (let's avoid the Apple Pay wording here, because I think we are all getting confused)
They won't do it for Apple alone, but they will because they won't want to take responsibility for fraudulent transactions starting next fall, so they'll be upgrading their systems anyway.
Nobody will have a system called Apple Pay. It'll be a NFC POS terminal that accepts Apple Pay and all the others like Google Wallet.
Now, there might be a Apple Pay logo along side with some of the Google Wallet logos I already see.
That is the correct reason to do it. But even still, not every company will start accepting NFC right away. It will take many many years to get companies on board.
You forgot to mention that Apple's implementation is far easier and more secure than any other that's been created before though.
As we've covered ITT, swipe-and-sign is what will drive up the retailers' prices, not NFC.
