Say what you will about Apple Pay, it's a well thought through product, especially compared to this Qr code checking account nonsense. It will just take a bit longer to catch on, but in a few years we'll forget it wasn't always a way you could pay for things.
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MCX Ends CurrentC Beta Test, Postpones All Further Releases
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manhattanboy
macrumors 6502a
Google Wallet worked great for years at CVS before they decided to abandon contactless payments all together along with the rest of the idiot retailers in the MCX in some misguided move to fight Apple and piss off their customers.
The fingerprint reader for Apple Pay (and Android Pay on the Nexus phones) is really key to making its use so easy today; no punch code or anything to type really makes it even easier than using the chip and pin cards now. The only down side is when the contactless machine or internet is down.
bollman
macrumors 6502a
I'd say all of your systems will eventually fail, even ApplePay. Mostly because of fragmentation. ApplePay, SamsungPay, HuaweiPay?
In Sweden, the biggest banks formed a consortium and developed a system that works in stores and between people. Your "card number" is your mobile phone number and you pay to other phone numbers (or fake ones in case of stores).
There's no NFC capability yet, but I foresee that in the near future. Then ApplePay or others will have no traction at all.
Loyalty cards? No need, just show your drivers license or other ID, works everywhere and is always with you.
In Sweden, the biggest banks formed a consortium and developed a system that works in stores and between people. Your "card number" is your mobile phone number and you pay to other phone numbers (or fake ones in case of stores).
There's no NFC capability yet, but I foresee that in the near future. Then ApplePay or others will have no traction at all.
Loyalty cards? No need, just show your drivers license or other ID, works everywhere and is always with you.
If retailers are joining forces in making their own payment system.
Visa, Mastercard, and Amex should also participate in promoting Apple Pay.
Like providing more tap readers to retailers, promos when a customer taps, etc.
Their contactless credit cards are not that secure either so promoting to register the customer's credit card to Apple pay is a good idea.
Visa, Mastercard, and Amex should also participate in promoting Apple Pay.
Like providing more tap readers to retailers, promos when a customer taps, etc.
Their contactless credit cards are not that secure either so promoting to register the customer's credit card to Apple pay is a good idea.
Douglas B
macrumors regular
This is possible and in fact is how it's always worked in Australia. I always say, 'I want to pay by card.' They get the eftpos machine ready and then I just tap my watch. We don't have to wait for Apply Pay stickers to be visible or cashiers to get confused. I just watch them slowly close their mouth when the terminal says, 'Approved'.
So people can spend money remaining in their accounts. i.e. Gift cards they loaded to the account. <- As per the article.
SBMH.online
macrumors member
Brilliant plan MCX partners! In an effort to make $2-3 more off of my transactions every month, you are now losing $200+ every month instead.
I used to shop at CVS constantly, but now go across the street to Walgreens. Why? Not because I like their store better or I think they have better deals – actually in an unconfirmed and haphazard survey, I think CVS is actually cheaper if you milk their rewards program.
However, Walgreens accepts Apple Pay. It's a bazillion times more convenient and from everything I've read, way more secure and that means a lot to me as a consumer. Quite frankly, not having to carry around a wallet, really makes me go out of my way to use Apple Pay.
So all the money I spent on prescriptions, OTC meds, vitamins, booze, and other random stuff, that I would have spent a couple/few hundred dollars on at CVS every month, now goes to Walgreens. Good job MCX, Walgreens and other Apple Pay accepters appreciate the quality work you are doing!
I used to shop at CVS constantly, but now go across the street to Walgreens. Why? Not because I like their store better or I think they have better deals – actually in an unconfirmed and haphazard survey, I think CVS is actually cheaper if you milk their rewards program.
However, Walgreens accepts Apple Pay. It's a bazillion times more convenient and from everything I've read, way more secure and that means a lot to me as a consumer. Quite frankly, not having to carry around a wallet, really makes me go out of my way to use Apple Pay.
So all the money I spent on prescriptions, OTC meds, vitamins, booze, and other random stuff, that I would have spent a couple/few hundred dollars on at CVS every month, now goes to Walgreens. Good job MCX, Walgreens and other Apple Pay accepters appreciate the quality work you are doing!
Well over a year ago, while traveling in Quebec, Canada on business, I used ApplePay with my US based CC at IGA and St. Hubert. The IGA cashiers and manager all stopped what they were doing to watch me pay with my iPhone. I was a local celebrity when I went back to the same IGA everyday.
Zirel
Suspended
EightBitJoe
Suspended
Spendlove
macrumors 6502
The first time I used my Apple Watch to pay for something, I was stared at like I was hacking them and robbing them of money. Then was told it was "cool". It is brilliant on the London Tube.
In the UK Apple Pay just means contactless pay. If it is contactless (and an awful lot of shops are), it works with Apple Pay. A sticker in the doorway saying Apple Pay doesn't make any difference.
In the UK Apple Pay just means contactless pay. If it is contactless (and an awful lot of shops are), it works with Apple Pay. A sticker in the doorway saying Apple Pay doesn't make any difference.
Actually Apple aren't acting as a payment processor at all and I can assure you they are not taking responsibility for any fraud or insurance. The payment works in exactly the same way as it does with your normal credit card Apple are not involved at any single point in the processes. The terminal and payment gateways have no idea who Apple is, and all they see is a Visa card issued by Chase for example.
Apple are only involved in the provisioning of the tokenised card from the issuer to the device. After that it's all normal card processing systems.
gnasher729
Suspended
The only thing where Apple is helping with security is the fact that crooked merchants, or crooked employees of merchants, or hacked hardware at merchants, have no chance of ever seeing your credit card number. So they have no chance of using your credit card number elsewhere. And the fact that while thieves can steal your card and your phone, there is nothing they can do with your iPhone to make payments.
I'm also from the UK and this is so true. I can't believe or understand why we are so far ahead of everyone in the US with Contactless & Apple Pay. Still annoys me that some shops don't have it.. it can't be that hard to implement contactless into card readers surely?
Works like a dream when it works though and as you say, a lot of places do accept it!
I doubt it's that difficult but it could work out expensive to implement with a large chain of shops.
NightFox
macrumors 68040
And vice-versa "You can pay with contactless cards" means "You can use Apple Pay".
I can understand Apple wanting to promote their brand, but I think the downside of that is the confusion it causes in countries where acceptance of contactless cards (and therefore Apple Pay) is already widespread leaving customers and many retailers under the impression that there were special additional requirements necessary before Apple Pay could be accepted.
So this is where it gets really boring, sorry 🙁
The reality is with tokenisation your card number is actually perfectly fine in the free and open as the issuer won't process a payment on a tokenised card number without the necessary crypto passing. The crypto is calculated based on the merchant details, the amount you are paying and some certificates/keys provisioned this is to make sure that the values are not modified during transit (such as changing a $5 transaction to Walmart into a $5000 transaction to Andy's Scam Hut)
This system is good because it provides a massive improvement in the security of your payment details as each transaction is unique and means your card number is no longer a security concern, hooray for EMVCo tokenisation 🙂
John Mcgregor
Suspended
diipii
macrumors 6502a
I'm in the UK and "Apple Pay" means you can pay with a suitable Apple device.
Contactless credit and debit cards are from all the big banks and are unpopular with some because of their vulerability to thieves with portable devices that can take cash off the card by close proximity so long as it's under £30.
I no longer carry contactless cards as you are especially at risk in crowded places like the underground in London, ques or crowds.
cjbryce
macrumors 6502a
Unfortunately I can never forgive them for their truly awful coffee😱
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There is a slight but important difference - retailers actively displaying Apple Pay will allow (assuming they've programmed their terminals correctly) Apple Pay transactions above the £30 contactless limit.
In practical terms you are right - where contactless is offered (almost everywhere in the UK now) you can pay with a suitably equipped Apple device even if the retailer doesn't "accept" Apple Pay.
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Piggie
macrumors G3
Agreed.
One really, perhaps two to make sure either side does not get too carried away with any future crazy ideas.
Now.. Who is going to Tell Barclays Bank in the UK who are STILL pursuing/developing their own independent system?
I love ApplePay but think it's absolutely insane that Apple didn't acquire the MST tech that Samsung Pay uses. If Apple had the MST tech combined with ApplePay it would've literally become THE form of payment everywhere. They should've bought that tech for any price imaginable. They would've destroyed the competition and ApplePay would've just been something that worked in literally every store around the world regardless of their tech.
But unfortunately Applepay uses slick NFC tech that while becoming more common is almost unusable in the real world. To replace wallets, you have to have a form of payment that is accepted everywhere. Samsung Pay's MST tech absolutely kills ApplePay in real-world usability and I cannot fathom what in the world Apple was thinking for not acquiring this tech. It's really embarrassing, and for their supposed desire to replace wallets, borderline insane.
But unfortunately Applepay uses slick NFC tech that while becoming more common is almost unusable in the real world. To replace wallets, you have to have a form of payment that is accepted everywhere. Samsung Pay's MST tech absolutely kills ApplePay in real-world usability and I cannot fathom what in the world Apple was thinking for not acquiring this tech. It's really embarrassing, and for their supposed desire to replace wallets, borderline insane.