My Apple Pay on Watch buying experience different than iphone--2 Questions about it

[Honey Badger]

Just used Apple Pay on my watch at Sprouts for the first time and I noticed 2 things that are different about using Apple Pay on my watch rather than on my iphone.

First, while I have the paper receipt and it shows it went through using Apple Pay, I cannot find the charge anywhere on my watch or phone like I can when I use Apple Pay with the phone. Anybody know where I would find that confirmation on either the phone or the watch that shows the actual amount charged if it exists?

Second, they required that I physically sign the bill like you would do if you were using a regular charge card...this never happens when I use Apple Pay on the iphone, they normally just hand me the receipt and I leave. It took forever for the guy to find a pen for me to sign it. If this is normal procedure, it really takes away the speed of using Apple Pay and perhaps using the phone for Apple Pay is better. Anybody else have this experience at Sprouts or other vendors in being required to sign the bill or was it just a fluke?

Thanks.

 

[JB22]

Just used Apple Pay on my watch at Sprouts for the first time and I noticed 2 things that are different about using Apple Pay on my watch rather than on my iphone.

First, while I have the paper receipt and it shows it went through using Apple Pay, I cannot find the charge anywhere on my watch or phone like I can when I use Apple Pay with the phone. Anybody know where I would find that confirmation on either the phone or the watch that shows the actual amount charged if it exists?

Second, they required that I physically sign the bill like you would do if you were using a regular charge card...this never happens when I use Apple Pay on the iphone, they normally just hand me the receipt and I leave. It took forever for the guy to find a pen for me to sign it. If this is normal procedure, it really takes away the speed of using Apple Pay and perhaps using the phone for Apple Pay is better. Anybody else have this experience at Sprouts or other vendors in being required to sign the bill or was it just a fluke?

Thanks.

It wouldn't surprise me if that's the case since you can't verify on the watch with Apple ID like you can on the phone. I hope that's not the case because that would be a major bummer.

 

[Glene]

I never do anything except hold the watch to the reader..and walk, never sign anything.....I have used it so far at McDonald's, walgreens and a few coffee places....and of course, the Apple Store......

My Citibank app sends me a text immediately after using, showing me Amt and where the charge occurred....

 

[fischersd]

It wouldn't surprise me if that's the case since you can't verify on the watch with Apple ID like you can on the phone. I hope that's not the case because that would be a major bummer.

The watch has already been authenticated either by touch ID or PIN - the same level of security you have on your iPhone (except a shorter pin - but 4-digit pins are common for credit cards).
Absolutely no reason to insist on a signature. You may want to let the folks at Apple know this vendor is making your apple pay experience inconvenient.

 

[EDiTOR9]

I never do anything except hold the watch to the reader..and walk, never sign anything.....I have used it so far at McDonald's, walgreens and a few coffee places....and of course, the Apple Store......

My Citibank app sends me a text immediately after using, showing me Amy and where the charge occurred....

Off topic but do you use a citi credit or debit card? I can get notifications when using my cc just fine but not with a debit.

 

[Glene]

Credit , but it's the citi app that is triggering it , so find a debit with an app association

 

[pilot3033]

The watch has already been authenticated either by touch ID or PIN - the same level of security you have on your iPhone (except a shorter pin - but 4-digit pins are common for credit cards).
Absolutely no reason to insist on a signature. You may want to let the folks at Apple know this vendor is making your apple pay experience inconvenient.

Vendor is probably worried it's a scam or something. Signing receipts isn't for you so much as it's for the retailer the shield themselves in cases of fraud, or if a customer tries to dispute a charge.

 

[jonfarr]

i have had to sign the receipt/touch pad while using apple pay with both my phone and my watch and I also have had to not sign with both. It is totally merchant dependent. I have found that most of the time I have had to sign is at a store that doesn't advertise apple pay, yet has contactless payments turned on at their card readers.

I always try apple pay first at the reader even if its a mom and pops because more often than not, it works. I will just have to actually sign a lot of times. Employees are blown away when I do it and often tell me as I am in the process of making the apple pay transaction hat it won't work, then it does. I always find that great.

 

[kdarling]

Second, they required that I physically sign the bill like you would do if you were using a regular charge card...this never happens when I use Apple Pay on the iphone, they normally just hand me the receipt and I leave.

It's no different than a regular charge card.

Different merchants have made different deals as to what charge amount triggers a signature request.

Smaller purchases, like burgers and coffee, usually don't rise to the common $25 or so trigger point.

(Btw, when there is fraud involved, the first thing the credit card company asks for is a copy of a signed receipt. Without it, the merchant has less coverage. I believe that this stems from a Congressional mandate that some form of identification take place to protect the user. Yes, something like a photo id would make more sense, but that would slow lines down too much. So the CC companies figure it's easier to continue using the method Americans are used to. It's all about a trade-off between fraud and encouraging spur of the moment purchases, and the latter usually wins for small amounts.)

 

[Glene]

It's no different than a regular charge card.

Different merchants have made different deals as to what charge amount triggers a signature request.

Smaller purchases, like burgers and coffee, usually don't rise to the common $25 or so trigger point.

(Btw, when there is fraud involved, the first thing the credit card company asks for is a copy of a signed receipt. Without it, the merchant has less coverage. I believe that this stems from a Congressional mandate that some form of identification take place to protect the user. Yes, something like a photo id would make more sense, but that would slow lines down too much. So the CC companies figure it's easier to continue using the method Americans are used to. It's all about a trade-off between fraud and encouraging spur of the moment purchases, and the latter usually wins for small amounts.)

It def must be store depend ant not a dollar amt. My apple purchase of 550 bucks was a no sig deal, hold up to the reader and walk, just an FYI.....also walgreens was a 150 purchase, beep and walk.

 

[kdarling]

It def must be store depend ant not a dollar amt. My apple purchase of 550 bucks was a no sig deal, hold up to the reader and walk, just an FYI.....also walgreens was a 150 purchase, beep and walk.

Thanks for the amount information! You're right, that is unusually high. Can you say what store the 550 purchase was at, and if you're using an unusual credit card?

The cards (represented by applets in the NFC secure element) themselves have a limit built in, but a merchant's terminal can override if its preset limit is lower.

It's also possible that these merchants have fully turned on EMV mode and enabled on-device user authentication.

Has anyone else reading this, made a large ($50+) Walgreens purchase without signature request? Thanks!

 

[Glene]

Thanks for the amount information! You're right, that is unusually high. Can you say what store the 550 purchase was at, and if you're using an unusual credit card?

The cards (represented by applets in the NFC secure element) themselves have a limit built in, but a merchant's terminal can override if its preset limit is lower.

It's also possible that these merchants have fully turned on EMV mode and enabled on-device user authentication.

Has anyone else reading this, made a large ($50+) Walgreens purchase without signature request? Thanks!

Yesterday at Apple Store in Dedham,mass-link band and brown leather loop, >$600

walgreens was Fort Lauderdale, fl ......my apple pay card is std Citibank visa....

 

[kdarling]

Yesterday at Apple Store in Dedham,mass-link band and brown leather loop, >$600.

Ah thanks, I didn't notice that you had said "apple" before. I think they count as a special case, as far as Apple Pay goes.

The Walgreens though... interesting!

 

[fischersd]

Vendor is probably worried it's a scam or something. Signing receipts isn't for you so much as it's for the retailer the shield themselves in cases of fraud, or if a customer tries to dispute a charge.

We've had chip+pin and NFC payments in Canada for years. The limit for contactless was $50 at most vendors, several have bumped it up to $100. Some of that will be imposed by the banks / CC companies I'm sure. This will be part of Apple's negotiations up here. Hopefully it doesn't cause delays. (current ETA being November).

 

[JayLenochiniMac]

1. I do get payment amount notification pushed to my Watch just like on iPhone with my Amex card. As indicated in the other thread, I suspect whether or not you get this might be card issuer specific.

2. Whether or not they require your signature depends on the transaction amount. I've been asked and not asked for my signature depending on the amount, even at the same store and using Apple Pay on iPhone. It has nothing to do with using Apple Pay on Watch.

 

[JayLenochiniMac]

Absolutely no reason to insist on a signature. You may want to let the folks at Apple know this vendor is making your apple pay experience inconvenient.

Apple support page does indicate that a signature might still be required depending on the store and the transaction amount.

3. Place your finger on Touch ID and move your iPhone near the reader to complete the payment. You might also need to sign a receipt, depending on the store and the transaction amount.

At Petco for example, I've made several small purchases with no signature required. However, they asked for my signature for a particularly large purchase (around $200).

 

[fischersd]

@JayLenochiniMac , Ok, we'll likely see similar practices here then. Hopefully retailers become more comfortable with it in time and realize they're not adding any measure of security with doing so.

 

[starbot]

Wait a sec for the third party bands... there will be nicer options that don't rob you blind like Apple!

The link band failed to impress me as compared to my other solid bracelets:/

Yesterday at Apple Store in Dedham,mass-link band and brown leather loop, >$600

walgreens was Fort Lauderdale, fl ......my apple pay card is std Citibank visa....

 

[itsmefudge]

I made my first purchase ever using Apple Pay on my watch yesterday. It was at Whole foods. Just opened up apple pay, held my watch up and beep, she handed me a receipt. The amount was less than $50, so no signing needed. It was great. No password or touch ID needed, so that was a bit scary.

 

[Honey Badger]

Thanks everybody for your input. The purchase amount was over $50 at Sprouts so that may explain why they wanted a signature. I have since made 4 or 5 purchases with the watch at various vendors all under $15 and have not been asked to sign anything.

I still have not been able to find on my watch a list showing the charge amounts. The watch beeps and shows a checkmark when I make the purchase, but amount is nowhere to be seen. I was hoping the watch charge amounts might show up on the iPhone but cannot find them there either. When I make a purchase using my iPhone Apple Pay though with the same credit card, those amounts show up on the phone. It's a mystery!

 

[JayLenochiniMac]

I still have not been able to find on my watch a list showing the charge amounts. The watch beeps and shows a checkmark when I make the purchase, but amount is nowhere to be seen. I was hoping the watch charge amounts might show up on the iPhone but cannot find them there either. When I make a purchase using my iPhone Apple Pay though with the same credit card, those amounts show up on the phone. It's a mystery!

When you pay with the same physical card (not through Apple Pay), do you get a pop-up notification on your iPhone showing the transaction amount?

 

[Honey Badger]

When you pay with the same physical card (not through Apple Pay), do you get a pop-up notification on your iPhone showing the transaction amount?

I can't remember exactly what happened the last time I used the physical card, but I think it did show up on my phone in the passbook app. The watch amounts are not there.

 

[Honey Badger]