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I have to wonder, how fast is this?

I don't live in NYC but have visited many times. MetroCard authentication is instant. Literally slide the card through and insantly *CLUNK* and you go through. There's no delay, and the turnstiles are designed so you can slide the card forward as you walk.

Even the typical 2-3 second delay that Apple Pay has is a lot slower than a Metrocard swipe.... so I wonder.

London experience: Apple Pay is a slightly slower to authenticate than the old "Oyster" cards were. Maybe it is something like 700 - 1000ms instead of 200-400ms for Oyster. Certainly not 2-3 seconds though!

But in my view, the slight extra delay is more than made up for by the time saving of not having to fumble around for the card. Your phone is always at hand, and hard to lose.
 
I don’t get you Americans. You go and develop all of this amazing tech such as Apple Pay and then it takes years for it to be useful there. AP has worked in pretty much every location in the Uk for about two years. Few use cash here these days.
 
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I don’t get you Americans. You go and develop all of this amazing tech such as Apple Pay and then it takes years for it to be useful there. AP has worked in pretty much every location in the Uk for about two years. Few use cash here these days.

Historical reasons. Telephone infrastructure was much better here than in most other countries, so there was little impetus to use smart cards for a long time. Because we used magstripe entirely up until recently, the switch to smart device payments took longer because we had to switch a lot of the infrastructure.
 
The local Speedway gas stations FINALLY enabled Apple Pay months ago, just in time for lockdown joy riding. It took them MONTHS, over a year, since they replaced pumps at stations around here. In some stations, they just added the attachmennt to some pumps, but in others, they completely replaced the pumps and the receivers were harks with 'COMING SOON' and no hope of knowing how long until it arrives. But at least they did it. Krogers is STILL digging in their heels and refusing to consider Apple Pay at all. Home Despot did use it for a few weeks years ago, but I don't think they have enabled it at all.

I've never seen a better time to use contactless payment systems. Kroger started their 'scan it yourself' system which seems to be a super spreader nightmare instead of using Apple Pay, or any other system. How many other stores/corporations are ignoring contactless payment?

QFC (a Kroger brand) is currently testing NFC support, so I suspect it'll get rolled out to the rest of the company soon.

As for the other holdouts, I wouldn't be surprised if they think that curbside pickup and delivery is a much better bet long term. For instance, Walmart Canada enabled contactless payment just in time for the holiday season, while Walmart US focused a lot of their advertising on the fact that they offer pickup/delivery. Likewise, Home Depot has contactless enabled in Canada, too, and not in the US--and also has curbside pickup here.

(And honestly, I'm thinking more and more that it is. After all, it's a lot more convenient to order online and have someone put your stuff in your car for you than to wait in a line and maybe only save 10-20 seconds by tapping a phone or card instead of inserting. Sure, those 10-20 seconds eventually add up, but you'll be able to serve way more people at a time through a website or mobile app than in person.)

I don't live in NY but I've seen a noticeable increase in businesses accepting Apple Pay. For example, the Publix grocery chain was bound and determined not to accept Apple Pay. Barely a month into the Pandemic restrictions, Apple Pay became happily accepted.

IMO, if we had the choice of not getting screwed so badly by the pandemic (in exchange for Apple Pay and other NFC based payment methods being considered a market failure here), I would at least give it a second and third thought. Sure, QR (or quite possibly being permanently relegated to inserting cards) isn't great, but I don't think 350K+ deaths and counting (never mind the potentially millions of people with possible permanent aftereffects/disability) is either. And we definitely shouldn't have needed a pandemic to even think about using NFC.

I don’t get you Americans. You go and develop all of this amazing tech such as Apple Pay and then it takes years for it to be useful there. AP has worked in pretty much every location in the Uk for about two years. Few use cash here these days.

Historical reasons. Telephone infrastructure was much better here than in most other countries, so there was little impetus to use smart cards for a long time. Because we used magstripe entirely up until recently, the switch to smart device payments took longer because we had to switch a lot of the infrastructure.

Sure, but there's historically been a lot of resistance towards anything that increases card use, too. It's no surprise that cash was still the most used payment method for smaller purchases until a few years ago, after all.

(Hell, I still run into cash only businesses, and it's been a year since the pandemic kicked off. At least the restaurant I picked up takeout from the other day also accepted Venmo along with cash, so it wasn't simply a tax dodge?)
 
When I was in London a year ago I absolutely loved the ability to get on the tube there using my Apple Watch, good to see it here too ...
 
I guess one way to greatly increase adoption is to prevent competitor software from accessing the hardware that you use ... and when an anti-trust lawsuit rules otherwise, the competitive advantage from that adoption rate is already high

What????

This system isn't and was never exclusive to Apple.

Since day 1 it worked with Samsung & Google pay
 
Unless you need to use it at an MST terminal which is 90% of US terminals.

That was true back in 2014 but that's definitely not the case now. Sure, it's not 100% but it's much better now--maybe 70-80% or so in general (and possibly higher if you take into account the traditionally problematic places--like restaurants--that have restrictions now).

Of course, YMMV depending on where you live/shop.
 
They probably had to find a way to justify paying some middle men who are just grifting off the top.
Of course. Still, I don't like beating up on the subway too much. It's literally the only thing that makes NYC possible.
 
I have to wonder, how fast is this?

I don't live in NYC but have visited many times. MetroCard authentication is instant. Literally slide the card through and insantly *CLUNK* and you go through. There's no delay, and the turnstiles are designed so you can slide the card forward as you walk.

Even the typical 2-3 second delay that Apple Pay has is a lot slower than a Metrocard swipe.... so I wonder.
I had exactly this same reservation when this first started testing. Those who haven't been on the subway might not be able to appreciate the sheer volume of people and the speed at which people fly through the turnstiles. As you say, any delay would just slow things to a crawl.

It didn't feel any slower than a successful metrocard swipe to me (and a millions times faster than that series of mis-swipes that inevitably happens as your train's door start closing). The sensor, at least on the turnstiles I've used, is placed a bit low, but it seemed like a pretty fluid motion to wave your phone by it as you move forward. There was no need to hover there, or any pause before it beeps and the turnstile unlocks.

I would prefer to see the sensors placed up where the metrocard slot is, but for now the two systems have to exist side by side. I'd imagine we'll see new turnstiles at some point? But then again, the remnants of token slots have been sitting there plugged up for decades now on some turnstiles...
 
Of course. Still, I don't like beating up on the subway too much. It's literally the only thing that makes NYC possible.

I love the subway. Wouldn’t be NY without it.

Of course, it would be better if the A/C always worked, the trains always came on time, etc. :)
 
Few use cash here these days.
Credit card companies and marketers love that, but there are still plenty of people who prefer to use cash to opt out of the surveillance, and plenty of small businesses who prefer not to have their profits skimmed. Where I live, some places have discounts of several percent for using cash. I don't blame them one bit. And I always tip in cash if at all possible.
 
MTA did the hard part. however, debit/credit card issuers for commuter benefits haven't yet supported digital wallets or contactless payments..

This means reduced payment through pretax commuter benefits is not enabled yet until the issuers like Edemnred support it.

Not quite like that. Some commuter benefits come on a MetroCard so it's the MTA that needs to fix that
 
I love it! Not having unlimited pass this past year wasn't a huge problem because of the pandemic (most people were only riding every now and then). But moving forward, as things begin to normalize, they'll need to roll that out quick.

I'm surprised to hear they're completely phasing out MetroCards though, although it makes sense. I suppose that means no more MetroCard machines, and therefore no more need to pay for one worker + one security guard to empty them periodically....and the costly maintenance of the machines will be a thing of the past.

I do wonder how they'll admit access to those without a phone or credit card to ride, although my guess is if you don't have a phone/CC you're probably turnstile jumping anyway (unfortunate reality).

Of course they will. The MetroCard replaced the token the tap to pay card will replace the swipe MetroCard.

The. MTA is well aware that not everyone has a smartphone.
 
I have to wonder, how fast is this?

I don't live in NYC but have visited many times. MetroCard authentication is instant. Literally slide the card through and insantly *CLUNK* and you go through. There's no delay, and the turnstiles are designed so you can slide the card forward as you walk.

Even the typical 2-3 second delay that Apple Pay has is a lot slower than a Metrocard swipe.... so I wonder.


Lol, you visit. So you don't really know what it's really like here.
 
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well, let's be fair - the article doesn't mention that :) but yea, it's been discussed here a bunch of times :)
But the article does mention it lol. . . .

With the OMNY contactless payment system, riders are able to hold an iPhone or Apple Watch near a contactless reader to pay their fare with no authentication necessary, allowing for speedy passage through public transit hubs.
Furthermore I can't wait until we can use it with transfers.
 
That was true back in 2014 but that's definitely not the case now. Sure, it's not 100% but it's much better now--maybe 70-80% or so in general (and possibly higher if you take into account the traditionally problematic places--like restaurants--that have restrictions now).

Of course, YMMV depending on where you live/shop.

Apple pay has nowhere near 70 or 80 percent acceptance. The US as a whole isn't near that number in any way shape or form.

According to the National Retail Federation mobile contactless payments was only at 58% and that includes the 15% or so bump it got from Covid.
 
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