Petsmart removed from Apple Pay list

[KuchiKopi]

Gee that's a particularly unhelpful comment.

Not that I've ever heard of Merrick before, but maybe if you're going to advise on dog food you might add some substance to help people understand your stance.

It takes 10 seconds of Googling to see the hundreds and hundreds of disgruntled customers, i.e., http://www.amazon.com/review/R5QN5D...04P8JNCY&nodeID=2619533011&store=pet-supplies

 

[deeddawg]

It takes 10 seconds of Googling to see the hundreds and hundreds of disgruntled customers

Nope. Nothing obvious. Several four star or better ratings right on the first page including Amazon. https://www.google.com/#q=Merrick+dog+food

Even had there been something obvious it's silly to expect every reader to go try to figure out on their own something you could have conveyed with a simple statement of "lots of people's dogs have had digestive problems with that brand."

 

[Buringcoals]

It takes 10 seconds of Googling to see the hundreds and hundreds of disgruntled customers, i.e., http://www.amazon.com/review/R5QN5D...04P8JNCY&nodeID=2619533011&store=pet-supplies

Are you serious? Please stop posting period. As you have no knowledge of chemical make up of dog food.

News flash, personal reviews have nothing to do with proper chemical nature of the dog food.

http://www.dogfoodadvisor.com/dog-food-reviews/before-grain-dog-food-dry/

Merrick is rated 5/5 star by dogfoodadvisor who breaks down the food chemically and testes each stage and ingredient.

You have zero claim as to why anyone should not feed their dog this food, and if you actually own pets I feel sorry for them as your judgment can now be deemed unreliable.

Stick to posting about phones.

 

[AZREOSpecialist]

What if, and just bare with me here, what if with CurrentC your purchase was discounted half the amount saved by the business. So for example what would normally cost them 4% in fees they discounted your purchased items 2%?

Name a single retailer who is going to do this: 0

Pass on savings to the customer? Not in this country.

 

[5105973]

Even though I didn't mention security in my initial post, that is my concern AND it's my reason for buying an iP6.
My credit cards have been compromised numerous times in the last couple of years and if I have technology available NOW to curb that, you bet I'm going to use it. I don't mind driving a little distance (or using mom/pop stores) to ensure that. I wrongly assumed that the security issues were just a given at this point with all that's been written about it.

Amen. We were just on vacation and it was a nightmare trying to use our credit cards (we don't use them as debt but as a convenience). One credit card turned out to be cancelled because it was compromised in the Home Depot debacle. Another one had a fraudulent charge on it from someone in a state we'd never been to and signed by someone using a name not even remotely close to ours...so much for the signature requirement meaning anything! So anyway it had to be frozen while that got resolved. A third one kept declining authorization despite us calling to verify the charges and verifying we were traveling.

It may be the mark of the beast, metaphorically speaking, but Apple Pay gaining wide acceptance is the best hope I personally have of avoiding that kind of inconvenience and embarrassment again. I'd imagine Android users feel the same about their version of the NFC payment system.

 

[AZREOSpecialist]

LOL, I'm sorry but if a few iPhone owners think getting all huffy about a store not supporting Apple Pay and threatening/deciding (especially when the company gets millions of other customers happily using their credit cards and cash) to go to the competition is going to get a store to change their mind (as if they are scared to lose a few iPhone customers) then those iPhone customers need to seriously step out of their reality distortion field, cuz it ain't gonna happen.

You apparently have no understanding of how business works.

 

[mdlooker]

In my area they are more expensive. Is using Apple Pay worth buying pet supplies for more money?

To me, apple pay is but one possible payment method. If a retailer doesn't use it, but provides either good prices or good service I'll use them. Lack of Apple pay is not a deciding factor. In a sense I could care less about further lining apple's pockets (they get a piece of the action for every use).

I totally agree with what you're saying but on the other side of this... knowing that Target and Home Depot has gone through the wringers for the CC theft, would you hand over your CC card to those merchants now? I know that petsmart isn't on the theft list now but it may be possible in the future. I haven't used apple pay yet but love the idea of using it. I think the deliberate decision to turn it off is an insult to consumer choice and perhaps penalized in some fashion.

 

[dishfan82]

If Petco price matches Petsmart and the Petco locations by me have friendly staff and are clean then there's no reason for me to step foot in a Petsmart. I'll gladly go to a retailer who supports Apple Pay over one who doesn't .

With that Current C they really expect and trust that people are going to let them access their checking out by taking the payment out electronically by having them scan a barcode on their phone?

 

[Goldinboy17]

If Petco price matches Petsmart and the Petco locations by me have friendly staff and are clean then there's no reason for me to step foot in a Petsmart. I'll gladly go to a retailer who supports Apple Pay over one who doesn't .

With that Current C they really expect and trust that people are going to let them access their checking out by taking the payment out electronically by having them scan a barcode on their phone?

Honestly, the Petcos near me are far cleaner and more organized. It really helps that their staff tend to be a bit more informed about the products they carry. Besides, the 5 or so percent premium I pay is returned to me through their rewards program.

 

[OneMike]

Some people care more about security.

In that case it'd make more sense to just use cash

 

[JayLenochiniMac]

In that case it'd make more sense to just use cash

With no protection in case you get a dud product and the retailer refuses to take it back? That's not much security.

 

[cynics]

Name a single retailer who is going to do this: 0

Pass on savings to the customer? Not in this country.

Any retailer that is capable of discounting for cash will. Usually some sort of service related business. You won't see this with major retailers but with small companies its very common. Many years ago I worked for a small business that made sails (for boats), cash payments (cash, certified check) would be discounted since we didnt pay credit fees. They would do the same thing for CurrentC if it was available to them, assuming there is no fee.


Besides it was a hypothetical question directed a single member. No need for your comment if you are incapable of humoring the question.

 

[kdarling]

Even though I didn't mention security in my initial post, that is my concern AND it's my reason for buying an iP6.

My credit cards have been compromised numerous times in the last couple of years and if I have technology available NOW to curb that, you bet I'm going to use it. I don't mind driving a little distance (or using mom/pop stores) to ensure that. I wrongly assumed that the security issues were just a given at this point with all that's been written about it.

Bear in mind that if you ever used the same Apple Pay credit card(s) at Petsmart, then they already have the card info in their servers.

If so, then security wise, it would not matter if Petsmart doesn't take Apple Pay, or if you switch to using Apple Pay at Petco. The card info has already been stored somewhere that it could get hacked.

The only way to make sure Apple Pay gives absolute card number security, is to register a card that has never been used anywhere else. That's going to be pretty hard to do for most people.

 

[macfacts]

In defense for the OP, people have been dealing with security breaches left and right these past few years. Just because they have had no issues, 5 years ago means they should keep doing the same old same old.

The security breaches at major retailers is increasing all the time and your personal info is being compromised left and right. I think the approach of Apple Pay is a great step in the right direction.

But it isn't apple pay that is making payment more secure. It is the new card readers at stores that are making it safer. The new card readers allow people to use the new cards that have a chip and pin. The new card readers also allow apple pay to be used, but as I said above, it isn't safer specifically because of apple pay.

 

[macfacts]

...

Not true. Using a contactless credit card is no better than swiping from a security perspective.

Google Wallet and Apple Pay offer more security.
...

Source? Almost the whole world has chip+pin debit/credit cards that allow payments by just tapping the card on the card reader. This is how I've been paying for many many years in canada.

When I return things at stores, they need me to tap my chip+pin card again cause the store doesn't have my cc# on file. I've never read a news story where a chip+pin card was cloned. Where is your source for saying that contactless credit cards are insecure?

And in canada, the debit cards are run by a nonprofit company (interac). That's the only negative about currentc I see. I wouldn't want them to have my bank account info either.

 

[JayLenochiniMac]

But it isn't apple pay that is making payment more secure. It is the new card readers at stores that are making it safer. The new card readers allow people to use the new cards that have a chip and pin. The new card readers also allow apple pay to be used, but as I said above, it isn't safer specifically because of apple pay.

False. Apple Pay is safer because it uses tokenization, unlike chip and pin.

 

[cynics]

What makes the token passed to the retailer so much safer then the virtual card Google Wallet uses? Neither are sending your actual card information to the retailer. Or is it one of those now that Apple is doing the same thing they invented it and its better? Or is it actually better and why?

 

[OneMike]

With no protection in case you get a dud product and the retailer refuses to take it back? That's not much security.

If I'm buying pet food I don't think I'll be trying it to know if it's a dud or not... I doubt many people try to return half eaten cans of puppy chow anyway.

Beyond that unless you're dealing with a shady establishment which won't likely accept Apple pay to begin with. Refunds are honored the same with cash or credit/debit.

 

[JayLenochiniMac]

If I'm buying pet food I don't think I'll be trying it to know if it's a dud or not... I doubt many people try to return half eaten cans of puppy chow anyway.

Actually you can, as it indicates a problem with quality control. Reputable dog food businesses like Nature's Select actually encourage returns of that type because dogs are the best ones to sniff out quality control problems and they'd like to know in order to fix them.

 

[dontwalkhand]

False. Apple Pay is safer because it uses tokenization, unlike chip and pin.

Exactly this, however Chip & PIN is still safer, because like Apple Pay, it uses a dynamic CVV1 value. The part that is less safer than Apple Pay is the fact it passes your real card number.

----------

What makes the token passed to the retailer so much safer then the virtual card Google Wallet uses? Neither are sending your actual card information to the retailer. Or is it one of those now that Apple is doing the same thing they invented it and its better? Or is it actually better and why?

Since Apple's solution still keeps your bank involved you don't lose out on those oh so precious rewards points. This was a major turn off for Google wallet, because your real card issuer doesn't see the actual establishment you've spent at.

----------

But it isn't apple pay that is making payment more secure. It is the new card readers at stores that are making it safer. The new card readers allow people to use the new cards that have a chip and pin. The new card readers also allow apple pay to be used, but as I said above, it isn't safer specifically because of apple pay.

These new card readers also have NFC, which is disabled. Hopefully they will enable them soon, because it's pretty stupid to take Chip & PIN, but not NFC. When they enable Chip & PIN, we will see.

 

[OneMike]

Actually you can, as it indicates a problem with quality control. Reputable dog food businesses like Nature's Select actually encourage returns of that type because dogs are the best ones to sniff out quality control problems and they'd like to know in order to fix them.

I didn't say you couldn't, did I? I said and still say. The average person isn't going to return an opened can of dog food. Assuming they did at a REPUTABLE business. The same refund policy would exist for both cash and card transactions.

I still think it's dumb to stop Shopping at a place just because they don't support apple pay which isn't even readily available in the places that do Support it yet.

 

[JayLenochiniMac]

The same refund policy would exist for both cash and card transactions.

While the merchant may have the same refund policy, credit cards provide an additional layer of protection in case they refuse to take back the disputed item. You can dispute with your CC company and they'll reverse the charge. You're out of luck if you paid in cash.

 

[JoeTomasone]

Source? Almost the whole world has chip+pin debit/credit cards that allow payments by just tapping the card on the card reader. This is how I've been paying for many many years in canada.

When I return things at stores, they need me to tap my chip+pin card again cause the store doesn't have my cc# on file. I've never read a news story where a chip+pin card was cloned. Where is your source for saying that contactless credit cards are insecure?

My source is me, actually, and the research I've conducted as to how the technology behind contactless cards and EMV (chip & pin) work. I have a blog post in the works that discusses this in detail, but suffice it to say that once a contactless card is tapped, or a chip & pin card has been inserted and the pin is entered, the card number, expiration date, CVV1, etc, are provided to the terminal just as they are when a card is swiped. In other words, they are just as susceptible to interception at the merchant as a swiped card is.

You can certainly start here and here. Since the latter is a tad lengthy, here's an excerpt:

Card data security during and after the transaction process
The singular focus on card-level fraud leaves a key gap in today’s EMV implementations. EMV does not address
merchant-specific risks such as the interception of card numbers in transmission on the merchant network or attacks
against repositories of card information within the merchant, acquirer, processor, network or issuer environment. The PCI
Security Standards Council notes: “in EMV environments, the PAN [primary account number] is not kept confidential at
any point in the transaction.”4 The largest breaches of card information in the U.S. have come from vulnerabilities within
the merchant or processor environment that EMV does not address.

The fact that a merchant doesn't store your card doesn't mean that they couldn't if they wanted to.

Apple Pay offers higher security in that the actual credit card number is never transmitted to the merchant . Instead, a token and a one-time authenticating cryptogram are. These can only be translated back into the actual card number and authenticated by the issuing bank, after which the one-time cryptogram is useless.

 

[nouveau-apple]

Petsmart's pet smart.

I just had to say that.

 

[JayLenochiniMac]

Petsmart's pet smart.

I just had to say that.

Or perhaps it should be "Petdumb" for not taking Apple Pay?