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MCX Ends CurrentC Beta Test, Postpones All Further Releases
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Apple Pay actually works like that. As long as you can provision your CC in the wallet, and the merchant can process NFC, you're good to go.
That's the thing though--security is hardly that big of a deal for the majority of people in this country. Not when getting your money back and a new card in the mail is a quick phone call away. Convenience is basically the significant driver for Apple Pay here.
Somewhat off topic, but my new Costco Visa Card from Citibank came this past weekend. The back of the card sports the contactless logo! This will be my first actual contactless card. I'm wondering if that means that Costco will begin to accept contactless payments (and therefore ApplePay and AndroidPay as well)? I'm sure Costco had to sign off on Citi including the contactless technology in the card, so it wouldn't surprise me if they plan to accept contactless transactions. Does Citi include contactless technology on any of their other cards?
Please! So tired of waiting for it there. And at a couple of other merchants that have had signs of "Apple Pay coming soon" for the last year.
Since the card is designed to work everywhere, not just Costco, I'm sure Costco had no input in the decision to include NFC. Whether Costco accepts NFC is a different question. If they do, and you have a Visa card enrolled in Apple Pay, then you can use it.
Costco is a strange use case. My Canada Costco MC does not support Apple Pay and the issuer has no plans to do so. On the one hand, I'd love for it to support Apple Pay because I do use it once in a while not at Costco. OTOH, It's majority of use IS at Costco. I have to take it out at the register anyway as it's my membership card. So to use Apple Pay would mean putting the card back in my wallet and then taking out my phone. Defeats the purpose. And Canadian Costcos accept NFC up to $200. SO most times I just tap my card anyway.
If only that were true. My debit card number was stolen 10 days before Christmas, and I am still dealing with fallout from it. Nothing exceptionally painful. But a hundred different annoyances.
I wouldn't be so sure of that. One thing that came out of the Costco switch from Amex to Citi was how much control Costco had over the card product. Costco essentially owned the relationship with the customers, Amex did not. This is why Costco can just force the accounts to be moved to Citibank. If Amex had had control, they would have just kept the account and dropped the co-branding and we would have had to apply for new Costco co-branded accounts with Citi. Costco seems in complete control of the relationship and product. I also did some research since my original posting and I can't find any other Citi credit cards in the US that seem to have contactless payments....I did find some in the Czech Republic, I believe. So I personally think it may be more likely that the inclusion of contactless is at the insistence of Costco rather than without their control or influence at all. I know Costco very closely monitors their transaction times at registers so it wouldn't surprise me if, with the change to EMV cards, they want to speed up their lines. Now instead of having to wait for customers to insert and wait, they'll just be able to tap. Since the majority of cards used at Costco will be the new Citibank cards (I know other VISAs are accepted), the cumulative time savings to Costco could be huge. And if they start taking contactless cards, then ApplePay should also be supported with any Visa card!
If retailers want to track customer info all they need to do is offer rewards cards. ApplePay works perfectly for this at Walgreens, tap once for the rewards card while the cashier rings items up and tap again when the cashier is done to pay. They could link a transaction ID to the rewards card when it is tapped. If they create an app that can reference that same rewards card and do something similar to Target's Cartwheel app where customers can scan items in store, they could gain even further insight like knowing what other products customers were considering and how long they were in various sections of the store before finally checking out.
That requires a) everyone to sign up for one and b) sign up with correct info. Much easier to just grab the magstripe data and cross reference to public records.
Yes. It was $2 worth of principle lol
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I love Apple Pay where it's accepted. Unfortunately the only place I've never had a problem is McDonald's. Everywhere else seems to be hit or miss. Even places with a sign on the door that says "We accept Pay" don't have a clue what it is half the time lol.
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I don't tell them anything, because it only confuses them. I wait for them to total the order, then when the reader says swipe, tap, or insert to pay I just use my watch and hope they don't notice and screw it up. Subway is the worst. The second they see you trying to pay with a phone or watch they think Im using the crappy subway app QR code nonsense and do something on their end that shuts off the nfs. Then I have to explain that they need to run it as a credit card which they can't comprehend. I really hope that Apple implements the MST tech that Samsung Pay uses where NFC isn't accepted. The only thing Samsung has ever made me envy.
That's not an excerpt. An excerpt is a shortened summary in your own words citing just the main info.
Yeah, I'm going to have to disagree with you on that one.
http://www.dictionary.com/browse/excerpt
a passage or quotation taken or selected from a book, document, film, or the like
http://dictionary.cambridge.org/dictionary/english/excerpt
a shortpart taken from a speech, book, film, etc.
https://www.vocabulary.com/dictionary/excerpt
a passage selected from a larger work
http://www.merriam-webster.com/dictionary/excerpt
to select (a passage) for quoting
Just buy a new card reader. That simple.
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At least here in Austria you really have to touch the terminal with your card in order to pay. The thieves touching your butt (with your wallet in the pocket) with the reader would already be too far away.
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Ok, it seams as if the word "excerpt" had a much broader meaning/usage in english as in german.
I'm very sorry. I had read it on the Apple Insider article: "Beta testers who loaded a gift card into the CurrentC app and disposed of the original hard copy are being asked to use the balance by June 28."
Can anyone tell me how chip and PIN is any more secure or easier than swipe and PIN? Chip and PIN seems to be behind swipe and PIN honestly. They all just need to move to contactless.
Nope, no contactless, only chip (which we've had for ages).
The chance that stores will switch all terminals to contactless are very slim. Even payments are not handled by the banks, but rather separate companies that relay the payments to the banks, like BABSPaylink.
BABS have started selling terminals with contactless, but since no contactless cards or payment services exist, the reason for stores to shell out extra money for something that will not be used are slim.
And, Swish (mobile phone payments for stores AND individuals) is getting very big and that is a consortium of banks. As swish gets easier (pay using camera on any mobile phone), few people will be interested in contactless payments with cards.