I was in Chicago recently and used Pay in several cabs (only one didn't take it), Walgreens and McDonalds
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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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I was in Chicago recently and used Pay in several cabs (only one didn't take it), Walgreens and McDonalds
The recent rash of credit card data breaches showed a problem that Apple needs to use to illustrate the need to use Pay instead.
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Either don't use the drive through, or realize you're opening yourself to risks by handing someone your card.
I went into McD and paid with ApplePay when it first started, just to try it. Worked great. I asked if I could use it at the drive thru. No problem, they said. A week or two later I tried the drive thru. They said ok, and asked for my phone. I told the lady I need to have my thumb on it. So she and another dug the cash register out of its place, untangling wires and such, and stuck it out the window. I paid, but ever since I go in to use ApplePay.
Not necessarily. ApplePay doesn't do this. The device-account number (DAN) that gets generated is the same for every purchase (and appears on your receipts as your "card number").
It is secure because the banks won't accept a DAN without the encrypted digest (including the one-shot token) that accompanies it.
EMV chip cards do the same thing. You're not using a random account number, but a fixed number that can't be used without encrypted per-transaction information.
The advantage is not convenience (although there is some of that.) It's security. And people are clamoring for a more secure alternative. Nobody likes having to deal with fraudulent charges, disputing charges and getting replacement cards. EMV chips are one solid option (which we should've had years ago, but we'll all be seeing a lot of after October.) ApplePay is another.
Stop sending me marketing junk mail, unless I ask for it
I can't use Apple Pay on my phone because its an iPhone 5S. However, I've used Apply Pay on my Watch and I love it! So easy and intuitive on the Watch since you all it takes is a double-click and you don't have to take anything out of your pocket.
What is annoying is about half of the terminals where I've used Apple Pay, the terminal still asks me if it's Credit or Debit when all I'm doing is using a credit card. It should be able to tell the difference and not ask the question when it doesn't apply. (This is not Apple's fault, it's the poor user design/interface of the terminal itself.) I want it to be fast and convenient. A beep from my watch and the receipt should print out.
As far as merchants claiming their customers aren't asking for it, that baffles me because everyone that's used the Apple Watch for Apple Pay has fallen in love it as much as I have. I just think there aren't enough Watches in the wild yet. Also, how are we supposed to let retailers know that we want Apple Pay? I tell the cashier, but they don't really give a hoot. And what am I supposed to do, write letters or send emails to corporate headquarters for every store I shop at?
What is annoying is about half of the terminals where I've used Apple Pay, the terminal still asks me if it's Credit or Debit when all I'm doing is using a credit card. It should be able to tell the difference and not ask the question when it doesn't apply. (This is not Apple's fault, it's the poor user design/interface of the terminal itself.) I want it to be fast and convenient. A beep from my watch and the receipt should print out.
As far as merchants claiming their customers aren't asking for it, that baffles me because everyone that's used the Apple Watch for Apple Pay has fallen in love it as much as I have. I just think there aren't enough Watches in the wild yet. Also, how are we supposed to let retailers know that we want Apple Pay? I tell the cashier, but they don't really give a hoot. And what am I supposed to do, write letters or send emails to corporate headquarters for every store I shop at?
I put 100% of my purchases on my American Express Blue Cash card, and pay it off automatically at the end of the month. Even after the $75 annual fee, American Express pays me over $500/year to use their card. Credit cards are great if you are financially responsible.
Either your location does things differently from where I am or you just don't know what to look for. Although I rarely see an ApplePay logo, I frequently see the contactless-card logo in stores:
Most places that display this logo work just fine with ApplePay. The only exceptions I've found are places (mostly MCX/CuttentC partners like CVS and Rite Aid) that have taken steps to deliberately disable ApplePay.
(.....)
One of the most insightful posts I've ever seen on these forums. Thank you so much for all of the information you've provided, as you obviously know a lot about this. I've learned a lot from everything you've said in a couple of your posts. Usually people don't care this much, and your thoughtfulness shouldn't go unnoticed. People should care more about consumer privacy and security. It's not like we're talking about Google Photos, this has to do with people's hard-earned money. I've screen-caped most of your post to use for my own future reference regarding contactless payments, as I wish to inform other consumers about this as well.
Again, thank you.
I use it everywhere they take it. I have my my phone in my hand 90% of the time anyways. And how the hell are we supposed to demand NFC payments? It's not like they have people there taking surveys of "Would you use Apple Pay and other contactless payments if we offered it?"
Are people really clamoring? A few are....especially those who've had their identities stolen.
But I think most consumers have grown numb to the reports of X retailer was hacked and X million card numbers were stolen. Yeah, they may get a replacement card sent by their bank and may have to update some online payments....but are they actively concerned and demanding a more secure solution?
I think because consumers as a whole aren't feeling the 'pain' of the security issue, they are ambivalent about it.
I'm testing CurrentC for a business I work at. If I had to estimate, it seems 5x slower than Apple Pay. You have to enter a passcode every time you open the app and you have to select the payment method you want, with no way to choose a default method. Then the cashier has to scan the barcode on your phone, then you finally can enter your pin. Also, there's no Apple Watch or Passbook support. I don't want to take my phone out just to pay, I'd rather just use a debit card or go to a different store and pay with my watch.
Aside from that, the loyalty aspect is cool, but Apple will probably announce something similar to that Monday.
Aside from that, the loyalty aspect is cool, but Apple will probably announce something similar to that Monday.
Panera has a sticker in the door a lot of places. Also, in theory, any place that has a horizontal (instead of vertical) wifi symbol can accept Apple Pay. Some of them, like CVS and Sheetz, turned off NFC payments. That's all Apple Pay is. It's like "Visa" or "MasterCard" to NFC... except Apple lets MasterCard, Visa, and American Express take care of the accounting end of things.
Either your location does things differently from where I am or you just don't know what to look for. Although I rarely see an ApplePay logo, I frequently see the contactless-card logo in stores:
Yes, and that's due to an explicit and deliberate decision to refuse to accept Apple Pay. That's not really the same thing as stores that just don't want to make the investment in NFC terminals.
Well, then that logo isn't universal as a replacement for an actual Apple Pay logo, now is it? Next time read my entire post before assuming that your misinformation is correct.
Onward:
Apple Pay isn't taking off as fast as anyone on this site wants. The retailers have a point; privacy is not helpful to them. Deal with it like this: If they won't take Apple Pay but take MCX/CurrentC, don't use MCX/CurrentC. Also, shop with Apple Pay religiously even if it means paying more, going out of your way, and/or pay cash without a loyalty card. If Apple fans don't want to do that, then stop crying about lack of support.
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I find "chip and pin" to be a slower process. I find myself waiting for permission to remove the card as opposed to simply paying. It's quite annoying. So far it seems to work at fewer places than Apple Pay. I know I've tried it at Giant Eagle, Lowes, and Walmart. It worked at Walmart but the other two had the feature disabled.
Be paranoid? There are plenty of POS setups still extant where the cashier has to swipe the card.
That's the symbol I look for. It usually works unless the retailer decides to reject the payment type. Universal? No. A good indicator? Yep.
lol I have to walk into each store and demand to assail the manager/owner about Apple Pay, or else my demand isn't there................... bunch of asshats
This is the kind of thing i can just hear Tim C saying in the face of a report like this.
Read this thread, I think you can say __some__ customers love Apple Pay and __some__ customers could care less. I think Apple eats their own dog food a bit too much.
Is Apple Pay convenient? Sure. Am I or other 'customers' gonna panic or picket if we can't use it some place? No.
Why not just make a good computer or phone and not try to forcibly take over every conceivable related market? They want to sell me every freaking thing they possibly can, and collect money on the transaction fees!
Honestly it is bewildering why they want to have so many irons in the fire.
Anywhere that has the Contactless Payment logo on their POS or chip and pin machines. There is no such thing as being Apple Pay only, as long as it supports NFC contactless payment it will work.
That's not true. There are a lot of places where the POS machines carry this sign but the functionality are intentionally turned off.