Retailer and Credit Card Internal Training Info Suggests October 20 Apple Pay Launch Date

[DotCom2]

Apple Pay will definitely be safer. Unless you think magnetic stripe and exposed CC numbers is safe. Hello Target, Kmart, Home Depot, PF Chang's.....yeah plastic is very safe.



Agreed. People that I've come across that complain about battery life simply don't want to charge their device at all, not even at night while they're sleeping.

I've had my credit card compromised at 3 of the merchants you listed.
My CC has been replaced 3 times in the last 18 months or so.
Soooo looking forward to Apple Pay!

 

[wxman2003]

I talked to the local Walgreens manager today, and she said they are ready to go. Training is complete. She also said they have been ready for NFC since they have been accepting chip and pin for over a year.

 

[tmiw]

I talked to the local Walgreens manager today, and she said they are ready to go. Training is complete. She also said they have been ready for NFC since they have been accepting chip and pin for over a year.

The chip slot at my local Walgreens is still covered up.

 

[peterh988]

I see no reason why McDonalds couldn't put the NFC reader on the end of a long cable as well.

That's exactly what they do with the scanner at my local drive through. Saw it a few weeks ago, the guy in front of me took the terminal entirely inside his car on the end of a long, curly telephone type cable.

 

[pcrchicago]

Can someone clarify for me that Apple Pay will only work with credit cards or debit cards issued by the banks who are official Apple Pay partners? For example, a local credit union's debit card will not work?

Sorry if this has been asked before but most of the questions I've seen while searching are about the NFC terminals, not the cards themselves.

 

[Tech198]

"...Apple Pay, may be enabled shortly after its Thursday iPad-centric media event,"

according all goes as planned..

I still reckon whenever u use Apple Pay, u should gain frequent flyer points for travel as a bonus.

 

[Padmini]

Panera = Monday

Apple Pay release ≠ Monday.

Walgreens will begin on Saturday the 18th.

iOS 8.1 launch will likely be today or tomorrow.

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"...Apple Pay, may be enabled shortly after its Thursday iPad-centric media event,"

according all goes as planned..

I still reckon whenever u use Apple Pay, u should gain frequent flyer points for travel as a bonus.

The whole idea is that if you have a Card that already builds flyer miles/points, you can continue to use that card with Apple Pay.

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Can someone clarify for me that Apple Pay will only work with credit cards or debit cards issued by the banks who are official Apple Pay partners? For example, a local credit union's debit card will not work?

Sorry if this has been asked before but most of the questions I've seen while searching are about the NFC terminals, not the cards themselves.

Yes the specific bank needs to support it.

 

[DeadSeaMac]

Still won't be able to use Pay until I update my iPhone 5.

And that is NOT happening until I can buy an unlocked 6+ that isn't tethered to T-Mobile. Until then, I'll use and enjoy my iPhone 5.

 

[Lotusman]

Retailers ger hacked and steal your info.
Yes

Apple Pay
No

You don't appear to understand how a token system works dude.

Tsk tsk tsk.

 

[Xiph0s]

as long as iOS8 fixes a plethora of bugs currently present, i don't think ill be participating. Im looking forward to stability and bug fixes with iOS8 over the ability to use Pay.

LOL -- you say this yet you'll be one of the first people loading your credit cards up regardless.

 

[Bare]

Swiping a credit card at a terminal has been such a pain for so many decades.
Not.

That plastic card is just too much of an inconvenience to carry around and use.
Not.

Apple pay clearly will make purchasing so much easier, safer and better.
Not.

Apple pay is a solution looking for a problem.
Is.

Oh my phone batt died & my credit card is at home. I guess I'm screwed.
Are.

You are nuts.

1. You're standing in line already holding your phone responding to a text or something. Now you're next to check out. Put your finger over the Touch ID sensor, hold it up to the scanner, and bam, you're done. OR, you can put your phone away, pull your wallet out, pick the right card, swipe, failed swipe, swipe again, put in your pin/sign your name with those crappy e-pens that only work half the time... Yeah, I'd rather just move that phone that's already in my hand a few inches toward the register and be done with it.

2. It's 2014. A lot of people carry their phones with them everywhere but not necessarily huge wallets or purses. Many people also have multiple credit/debit/gift/reward cards. Consolidating all that into that phone you ALREADY carry around with you everywhere is definitely more convenient.

3. Apple Pay will be much safer. No one ever gets a chance to look at your CC number. No one can see you enter your pin. No one can use a scanning device to get your magnetic strip data. No one can steal your fingerprint. Apple Pay doesn't transmit your CC number, your name, or any information about you specifically to the retailer, so when that retailer inevitably gets hacked, the hackers don't have any of your data because the retailer never had your data to begin with. Yes, Apple Pay is MUCH safer.

4. Apple Pay actually solves several problems (listed above).

5. The new iPhones get great battery life, especially a 6 Plus like mine, which can go two days easily without being plugged in (although why would that be necessary in 2014 when outlets and chargers are all over the place -- in your home, in your car, at your office, I've seen airports and restaurants that have charging stations with adapters for several different phone brands, etc.).

But, sure, continue to think that Apple Pay is a gimmick. Don't use it. Get your financial information stolen. Have fun with that.

 

[ptb42]

And that is NOT happening until I can buy an unlocked 6+ that isn't tethered to T-Mobile. Until then, I'll use and enjoy my iPhone 5.

I think a few people have reported that you can buy the contract-free phone with a T-Mobile SIM from Apple, and then just throw the SIM away and put your current SIM in its place (presuming you have the correct SIM size). The phone itself isn't locked to T-Mobile.

Can anyone confirm this? I've been waiting for the SIM-free phone to be offered by Apple, too. But, if someone has actually done it, I might go ahead and upgrade.

 

[darkslide29]

That is interesting. Thanks for the information.
The video link I provided shows the Apple Event say that there are 220,000 contactless payments machines this will work on. I assumed that meant all of them in the country.

Do you think the 220,000 really doesn't include all of them? Or do you think Apple was being over confident to think that everyone will simply do the upgrades they need?

I do not believe that it will work ANYWHERE contact payments are presently accepted. Note this text from the Revel POS press release about Apple Pay:

" There are currently six companies that work with Apple Pay, including:
•Authorize.Net
•Chase Paymentech
•CyberSource
•First Data
•TSYS
•Stripe

To begin utilizing Apple Pay, Revel clients are required to create an account with Chase. This will work independently from the customer's merchant account unless he or she wishes to use Chase as their merchant account as well."

Not all retailers are going to have done this, or are even going to be willing to do so. I do system work for some retailers who I can say with out a doubt are not going to be willing to bring in another provider or switch their accounts to say a Chase.

 

[dontwalkhand]

If we do get a new iOS tomorrow, couldn't we use Apple Pay early as these merchants already have NFC? What would be the hold up on using it at Walgreens etc

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That is interesting. Thanks for the information.
The video link I provided shows the Apple Event say that there are 220,000 contactless payments machines this will work on. I assumed that meant all of them in the country.

Do you think the 220,000 really doesn't include all of them? Or do you think Apple was being over confident to think that everyone will simply do the upgrades they need?

Revel POS is entirely different from other POS solutions. In fact I spoken to Revel to try to get a system installed in one of our stores (we do IT work for them) and their solution is incomplete as is, so we skipped them and end to a traditional POS system with many modular parts, but more reliable and has the features we need.

revel can't even handle call buttons from cashiers or back room!

 

[cjmillsnun]

I know right, i saw that article as well. You would think that the antenna portion could be made water tight and mounted to the bottom of the drive through window or on the side of the building under the window at the very least. I don't know the technical workings of NFC, but you think it would be possible.

I suspect they will do as they do in the UK.

They hand you the card/NFC reader and you use it in your car (stops the phone getting dropped) When the sale is complete, you hand it back before you drive on.

 

[bozzykid]

If we do get a new iOS tomorrow, couldn't we use Apple Pay early as these merchants already have NFC? What would be the hold up on using it at Walgreens etc

Once it is enabled on iOS, then it will work at any retailer that supports NFC. The training materials for Walgreens show they are just informing employees that Apple Pay will be supported so they can correctly inform customers.

 

[weaverra]

I agree.
I've also had every iOS except for the first one and this is the buggiest I've ever experienced as well.

I've had quite the opposite experience. Even with the 8.0 release. The iOS 7 release was way buggier than iOS 8.

 

[weaverra]

Ok they announced Apple Pay to start Monday. I'm done watching the keynote.

 

[DeadSeaMac]

I think a few people have reported that you can buy the contract-free phone with a T-Mobile SIM from Apple, and then just throw the SIM away and put your current SIM in its place (presuming you have the correct SIM size). The phone itself isn't locked to T-Mobile.

Can anyone confirm this? I've been waiting for the SIM-free phone to be offered by Apple, too. But, if someone has actually done it, I might go ahead and upgrade.

It is locked to T-Mobile for the first 45 days and then you can unlock it. I want a completely unlocked, untethered iPhone 6+ that I can use on any carrier at my choosing whether it is CDMA or SIM-Based GSM.

And those are not available to buy yet from Apple. And I am willing to pay a premium price for one or wait until the iPhone 6s+ is released next year with a sapphire display.

 

[tdar]

That is interesting. Thanks for the information.
The video link I provided shows the Apple Event say that there are 220,000 contactless payments machines this will work on. I assumed that meant all of them in the country.

Do you think the 220,000 really doesn't include all of them? Or do you think Apple was being over confident to think that everyone will simply do the upgrades they need?

Remember that the 220,000 includes McDonalds' terms. That's a whole lot right there. They did announce many more stores and lots more banks on board today.

 

[ptb42]

It is locked to T-Mobile for the first 45 days and then you can unlock it. I want a completely unlocked, untethered iPhone 6+ that I can use on any carrier at my choosing whether it is CDMA or SIM-Based GSM.

And those are not available to buy yet from Apple. And I am willing to pay a premium price for one or wait until the iPhone 6s+ is released next year with a sapphire display.

I've seen several postings about this, but here's one that just appeared today:

https://forums.macrumors.com/showthread.php?p=20110446

Its not like the TMO iPhone 6 I purchase and made its way here to my country. I placed my sim and VOILA!! was working..

I've read that buying one from T-Mobile will be locked to T-Mobile for a short time, even if it's "no contract". The key point: you have to buy the phone from Apple.

Here's another thread from the Apple forums that confirms it:

http://store.apple.com/us/question/answers/iphone/is-iphone-6-for-tmobile-unlocked/QU2A7TAHD7HYCJPD9

There's even a posting from someone that says they were told by T-Mobile they had to wait for 60 days, but they went to AT&T and got a SIM, and it worked fine.

There's another that makes the distinction: a iPhone 6 bought from Apple was unlocked. An iPhone bought from T-Mobile was locked to T-Mobile.

And per a third posting: Apple support says that as long as you swap the SIM before turning on the phone and activating it, you'll be fine.

 

[DeadSeaMac]

I've seen several postings about this, but here's one that just appeared today:

https://forums.macrumors.com/showthread.php?p=20110446

Its not like the TMO iPhone 6 I purchase and made its way here to my country. I placed my sim and VOILA!! was working..

I've read that buying one from T-Mobile will be locked to T-Mobile for a short time, even if it's "no contract". The key point: you have to buy the phone from Apple.

Here's another thread from the Apple forums that confirms it:

http://store.apple.com/us/question/answers/iphone/is-iphone-6-for-tmobile-unlocked/QU2A7TAHD7HYCJPD9

There's even a posting from someone that says they were told by T-Mobile they had to wait for 60 days, but they went to AT&T and got a SIM, and it worked fine.

There's another that makes the distinction: a iPhone 6 bought from Apple was unlocked. An iPhone bought from T-Mobile was locked to T-Mobile.

And per a third posting: Apple support says that as long as you swap the SIM before turning on the phone and activating it, you'll be fine.

Thanks for the insightful update and helpful links.

A visit to my nearest store is in order.

 

[MasterChat]

For now, it's apparently only in the US.

1. The card issuing banks or their processors have to onboard with tokenization.

2. The banks apparently have to agree to give Apple a cut of each transaction. The cut they're reportedly getting in the US, is more than banks in some countries can afford.

3. NFC terminals and everyone upstream must enable all EMV data fields. (Previously, some might only have what was minimally needed for current magstripe cards.) In the US, I think that Visa had a June 2014 deadline for that to be done.

4. NFC terminals have to get a minor table update to recognize the new token bank prefixes.

I thought I also read that only transactions in US dollars are allowed right now. I know that's true for some in-app Apple Pay providers, but not sure if that carries over to NFC payments as well.

Apple has said that they're working to get Apple Pay available in the EU as soon as possible. Haven't heard about any other areas.

I hope we get to enjoy these facilities as well.