Question about Apple Pay

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by unclejamaal, Nov 22, 2015.

  1. unclejamaal macrumors 6502

    Joined:
    Feb 22, 2010
    #1
    ive never used Apple Pay but now I have an Amex card I can add it to the wallet.
    if a retailer accepts Apple Pay , can I use it via my Amex card even if the retailer doesn't accept Amex normally ?
     
  2. sundog925 macrumors 6502a

    Joined:
    Dec 19, 2011
    #2
    If the retailer does not accept American Express cards, it will not accept the Apple Pay. The Apple Pay works exactly like swiping a traditional card would.
     
  3. Furzul macrumors 6502

    Furzul

    Joined:
    Jan 13, 2013
    Location:
    Derbyshire, England
    #3
    I think you may be wrong about that. If you can load a CC or DC into Apple Pay then it does not matter whether the the retailer accepts that particular card or not it will still go though. I may be wrong and if I am no doubt somebody else will come along and correct me.
     
  4. Julien, Nov 22, 2015
    Last edited: Nov 22, 2015

    Julien macrumors G3

    Julien

    Joined:
    Jun 30, 2007
    Location:
    Atlanta
    #4
    The transition still must be processed through the CC issuer's Bank. So if the merchant doesn't accept American Express then they can't take it. Here is a great explanation of the way :apple:Pay works.

    http://www.kirklennon.com/a/applepay.html
     
  5. Furzul macrumors 6502

    Furzul

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    Jan 13, 2013
    Location:
    Derbyshire, England
    #5
    Okay, I stand corrected
     
  6. unclejamaal thread starter macrumors 6502

    Joined:
    Feb 22, 2010
    #6
    Yes I initially thought The Cc Is transparent in Apple Pay but it's obviously wrong. Thanks for the explanation.
     
  7. sundog925 macrumors 6502a

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    Dec 19, 2011
  8. unclejamaal thread starter macrumors 6502

    Joined:
    Feb 22, 2010
    #8
    Lol
    Thanks for the answer earlier*. I guess it makes sense but I thought originally the credit card was hidden just like on PayPal
     
  9. catean macrumors regular

    catean

    Joined:
    Jun 16, 2013
    Location:
    Timisoara, Romania
    #9
    The number from your credit card is changed with a new one generated for Apple Pay named the Device Number. So, your original credit card is invisible for the retailer. But those Device Numbers are issued by Visa/AMEX or Mastercard, so if normal AMEX card numbers are not supported at a retailer it will not support the DN's issued by AMEX too.
     
  10. unclejamaal thread starter macrumors 6502

    Joined:
    Feb 22, 2010
    #10

    Excellent answer.

    Another question: if a retailer supports contactless payment does that automatically mean they will support Apple Pay?
     
  11. catean macrumors regular

    catean

    Joined:
    Jun 16, 2013
    Location:
    Timisoara, Romania
    #11
    That is the the case with VISA and Mastercard, but we had situations where AMEX Contactless was supported but AMEX Apple Pay Contactless was not supported. So, if a terminal has contactless enabled, Apple Pay will 100% work with VISA/Mastercard but not 100% sure with Amex.
     
  12. Julien macrumors G3

    Julien

    Joined:
    Jun 30, 2007
    Location:
    Atlanta
    #12
    This may be true for your country but is NOT the case in the US. Many companies like Walmart are members of the CurrentC format and have :apple:Pay disabled. Others like Target and Home Depot are in the process of turning :apple:Pay on and is hit or miss if it works.
     
  13. catean macrumors regular

    catean

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    Jun 16, 2013
    Location:
    Timisoara, Romania
    #13
    Yes, I am speaking about my experience in UK.
     
  14. iGeek2014 macrumors 68000

    Joined:
    Jun 29, 2014
    Location:
    === Nowheresville ===
    #14
    I know Boots have had trouble with American Express and Apple Pay and the same applies for The Co-Op.

    However Boots do accept AmEx contactless (I've used it in the past) but as I no longer have an AmEx card I can't tell you whether or not where it does/doesn't work.
     

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