To me it doesn't feel goofy at all. Plus not only do I not need to bring in my wallet, I don't even have to bring in my phone!
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
MCX Postpones Rollout of Apple Pay Rival 'CurrentC'
- Thread starter MacRumors
- Start date
- Sort by reaction score
To me it doesn't feel goofy at all. Plus not only do I not need to bring in my wallet, I don't even have to bring in my phone!
Even if this launched, wouldn't it require a significant software upgrade to all the terminals? Even upgrading just the software takes American retails years and years to do. I've been to so many stores with the giant NFC reader at the top but not activated.
Ok, CurrentC is truly dead. Now, how can ApplePay get onto the Android platform? I see this as the biggest challenge for ApplePay in the long run and world domination. 17% market share is not adequate in this space.
Good riddance! I always chuckle to myself when I press NO to not use Walmart Pay.
Unfortunately I personally have to wait to use Apple Pay until I get a newer iPhone (have a 5 currently) or an Apple Watch. Of course my fiancé has a 6s and won't even use Apple Pay.
Unfortunately I personally have to wait to use Apple Pay until I get a newer iPhone (have a 5 currently) or an Apple Watch. Of course my fiancé has a 6s and won't even use Apple Pay.
ApplePay didn't kill CurrentC, WalMart did. In fact, it just morphed into WalMartPay. With over 20 million current users of the WalMart App, six months of working out the kinks, and now the addition of 600+ WalMarts, this will only have it ready for the holiday season.
You may not like WalMart, but for tons of people, it's a beloved retailer. And for many, many people, it's the only option. In tons of college towns it's the preferred (if not only) large retailer. Many of those college students will become loyal customers. So hooking them on WalMartPay is a smart move. It will only get better with time. WalMart is a behemoth and will not cede anything to Apple. Gathering all that data from millions of transactions will reap rewards for them. And make it lest likely that ApplePay will be supported any time soon. If at all.
You may not like WalMart, but for tons of people, it's a beloved retailer. And for many, many people, it's the only option. In tons of college towns it's the preferred (if not only) large retailer. Many of those college students will become loyal customers. So hooking them on WalMartPay is a smart move. It will only get better with time. WalMart is a behemoth and will not cede anything to Apple. Gathering all that data from millions of transactions will reap rewards for them. And make it lest likely that ApplePay will be supported any time soon. If at all.
Android doesn't need Apple Pay, and Apple doesn't need Android to support it. Android has Android Pay, and more people using the combination of Apple Pay and Android Pay will help pressure retailers into upgrading. The biggest challenge is retailers, not smartphones.
That's not the point. 17% does not give Apple the leverage it needs in this space, situation repeat of the old Windows vs Mac war. ApplePay will get squeezed as a minor player in due course.
Living in a college town, the advantage that Walmart has over other retailers is being open 24/7. Target closes at 10 or 11. Dillon's stores (a branch of Kroger) used to all be 24/7, but now two stores closest to campus where I live close at midnight. But Walmart? Still open 24/7. Although I'm not sure what impact that will have on the use of Walmart Pay. I've never seen anyone use it. We all shop at Walmart, but no one willing admits that they do
[doublepost=1463453755][/doublepost]
I think the point is that Apple Pay, Android Pay, and Samsung Pay are not directly competing services. They all accomplish the same thing, and which one you use is an extension of the phone you have.
Really? Every time I've used it, it's been seamless and fast; albeit it has not been often b/c I don't have widespread merchant coverage like you.
However they should not require you to confirm & sign since that makes it redundant. If they are, then they don't have it set up right or do not completely trust the system yet. I would highly suggest you report them to Apple: http://www.apple.com/support/apple-pay/feedback/
Apple will definitely investigate and contact the merchant for proper implementation. And unlike other feedback, when I reported my local merchant, Apple actually emailed me back to follow up.
I don't think this is Apple's next cash cow. I think this is Apple's way of making our Apple products more essential/integrated parts of our lives. I'm sure Apple will be perfectly happy with only iPhone users being able to use Apple Pay. I don't think the fight is Apple Pay vs Android Pay, I think it's NFC vs mag stripe (vs qr?.. Kind of... DoA...). Even once NFC reaches saturation, it will just be one of those things if you have an iPhone you use Apple Pay, if you have an Android phone you use Android Pay. I don't think Apple or Google will be clamoring for each other's customers by having better NFC payment systems, they will just be expected features.
But in order to
It sure is not Apple's main cash cow, but contactless payment is a major convenience feature that just about everyone will need and use, so it will affect market share. Without market share, Apple will be pressured to innovate. Again, an old scenario. Streaming music and contactless payment are major motivators in this process.
Please don't read me as asking a rude or dismissive question, but I'm definitely missing something here. Why would an Android user use Apple Pay if their phone supports Android Pay?
I wouldn't call contactless payment "needed" per se. In fact, I think a lot of the reasons for its rapid adoption elsewhere simply aren't true in the US; very poor uptake of mass transit outside of a few exceptions (vs. elsewhere), suppression of signature/PIN prompts for small amounts regardless of how one uses their card (only done on contactless elsewhere, PIN/signature mandatory otherwise) and (soon) "fast enough" EMV transactions are going to make for much slower growth of that form of payment.
I honestly wouldn't be surprised if retailer-specific apps end up as a whole being used more often in the end due to providing a better value for consumers (either through some sort of rewards mechanism a la Starbucks or having features such as "mobile-only checkout" aka "scan and pay without waiting in line").
It's the other way round. With a smaller market share, support for ApplePay out at the retailer level may pale in comparison to AndroidPay. As such, it can influence smartphone buyers' choice of platform. MC vs Visa is another one where Visa has an edge due to penetration, although comparable.
Don't retailers support both if they support one or the other?
A retailer just has to enable NFC payments and boom Android Pay, Google Wallet, Apple Pay, Samsung Pay (NFC variant), and NFC cards/dongles all work.
I was curious about Walmart Pay, so read several articles. I think they have a winner on their hands. More than 20 million active users of their app and $300 billion in US sales is a hell of start on the competition. By the holidays, I suspect they'll complete the rollout to all stores and may introduce exclusive discounts, coupons and early sales.
Last edited:
Looked up the word "rival"
ri·val
ˈrīvəl/
noun
noun: rival; plural noun: rivals
1.
a person or thing competing with another for the same objective or for superiority in the same field of activity.
"he has no serious rival for the job"
synonyms: opponent, challenger, competitor, contender;
adversary, antagonist, enemy;
informal frenemy;
literary foe
"his rival for the nomination"
Sounds like the wrong word to use if they are not even in the same field...
This is far inferior...
ri·val
ˈrīvəl/
noun
noun: rival; plural noun: rivals
1.
a person or thing competing with another for the same objective or for superiority in the same field of activity.
"he has no serious rival for the job"
synonyms: opponent, challenger, competitor, contender;
adversary, antagonist, enemy;
informal frenemy;
literary foe
"his rival for the nomination"
Sounds like the wrong word to use if they are not even in the same field...
This is far inferior...
I absolutely love it. Now in app usage needs to rise and then finally we need to be able to make a better system for online payments.
With the last nail going in the CurrentC coffin, I am hoping Target and Walmart will climb down and allow NFC. I reduced my Walmart and Target purchases because I just find it incredibly convenient to pay using my Apple Watch. I would hope that the banks will allow transactions up to $75 or so without Signature. This week I got a letter from Fidelity that their new card will be move from FIA card services to Elan financial services and they will now increase the cash back to 2% and also allow Apple pay. I think those with cash in the pocket are putting their money where their mouth is and banks and retailers are getting the message loud and clear. Apple pay and Android pay is the way to go.
[doublepost=1463457265][/doublepost]I would like to see a USB adapter that can take in Apply pay for on-line transactions using bluetooth. Any techies want to create this product? If the security is good, it will take off like a rocket.
[doublepost=1463457265][/doublepost]I would like to see a USB adapter that can take in Apply pay for on-line transactions using bluetooth. Any techies want to create this product? If the security is good, it will take off like a rocket.
It can't help that most of their merchant partners (Walmart, Target, etc.) are rolling out their own competing pay systems.