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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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When her card doesn't work and she has to call the bank and wait for a new one, her radar screen will change!
I've had Apple pay capability (with the watch) for about three weeks now. I've gotten to use Apple pay once. There have been many times while checking out that I see some sort of icon indicating some method of wireless pay, but no Apple pay icon. Today, I tried to pay using my Apple watch at terminals at both an HEB and Home Depot... Didn't work, because the retailers didn't have Apple pay.
More secure than what? Than using your credit card to swipe? Yes, swiping gives the store your card info. Than writing a check? Yes. Checks have account numbers on them. Than using cash? Yes. Cash is easy to lose and you can't use find my iPhone on it. Than Apple Pay was when it came out? Trick question: it's the same because it's yet to be hacked, unless you count bank's that let thieves register stolen cards on stolen iPhones. Still, it's the safest method available.
Let me see I had to replace -
Target, New Credit Card
Home Depot, New Credit Card
Michaels, New Debit Card
Now Target is being sued by some of the banks after they refused the settlement with the card processors for being insufficient. It may cost Target a lot to get out of this. Then you will see the Banks going after Home Depot and the others to recover the costs for replacing cards and fraud costs.
So every chance I get I use Apple Pay. It may not work everywhere and I wish Lowes would get off the CurrentC kick, but more and more will take it.
Target, New Credit Card
Home Depot, New Credit Card
Michaels, New Debit Card
Now Target is being sued by some of the banks after they refused the settlement with the card processors for being insufficient. It may cost Target a lot to get out of this. Then you will see the Banks going after Home Depot and the others to recover the costs for replacing cards and fraud costs.
So every chance I get I use Apple Pay. It may not work everywhere and I wish Lowes would get off the CurrentC kick, but more and more will take it.
What i tell ya 
If retailers offer Apple Pay, then it will be huge...
But how can a customer use Apple Pay, when retailers don't offer it ? Its also one thing to offer it, yet then still ask for verification on top of that..
Defeats the whole point of even using it.
But hey,,, we are 10 years behind here anyway, so what hell am i worried about
If retailers offer Apple Pay, then it will be huge...
But how can a customer use Apple Pay, when retailers don't offer it ? Its also one thing to offer it, yet then still ask for verification on top of that..
Defeats the whole point of even using it.
But hey,,, we are 10 years behind here anyway, so what hell am i worried about
I think once the other mobile payments gain tracking (android & samsung pay) then more retailers will offer Apple Pay as well.
Shops in the US commonly offer money if you sign up for a loyalty program/mailing list, but I don't think that is necessary at all for Apple Pay. Awareness is important of course, but I don't think people need an incentive to use Apple Pay, shops need an incentive to accept it.
Personally, I would use Apple Pay literally everywhere if I could. I hate carrying around numerous cards and look forward to the day that I can stop doing this, because currently they make my wallet too fat (I'm going to carry my phone around anyway, so it may as well serve more purposes). I hate carrying around cards so much that I will probably buy a $155 dollar Plastc to get rid of them, if it proves effective, even though I am pretty confident (and very much hope) that Apple Pay will be accepted everywhere within a couple years.
My main concern is that small retailers/restaurant/shops, where I make most of my purchases, will be slow to adopt. It's great that McDonald's accepts Apple Pay, but I never go there...
In fact, I'd be willing to pay a small fee to the business, say 5 cents, in the interim if that would get Apple Pay going. It drives me mad that more businesses don't accept it! We carry around multiple pieces of plastic to make purchases! GAAAAAAH!
As much as people love their smartphones the masses don't know half of what they are capable of...nor do I think they really care. It may be a while but contactless payment will catch on...it's just a matter of time. Whether it takes a year, two, five, ten...it is the way forward and i'm happy we have that option. Man do I look forward to the days where I can leave the house with just my phone...no watch, no wallet. Just can't believe how far we've come even since I was little. 21 years old and we've just began to scratch the surface of what technology can do. I'm in for a ride.
I just read that Denmark will have a contactless credit card ready soon, for nationwide POS. After that, no one is going to pull out a $800 phone (yeah, it's about that much) to pay for groceries. There is also an app that has been adopted nationwide to do the same thing as Apple Pay and more. I can imagine other European countries figuring out something similar. Sorry Apple.
The US had contactless credit cards years ago, but they never caught on.
Also, why wouldn't someone pull out their phone (price doesn't matter because they already own it)? Why carry around an extra anything when the phone can do the same thing?
Option 1: use phone that you already have on you to pay. Option 2: carry around extra thing (card) that can only pay for stuff, in addition to your phone. Chances are this isn't a Plastc or Coin that can hold multiple cards, so really Option 2 means carrying around an extra card for each or your credit/checking accounts. I'd choose Option 1 all day, every day.
I thought Apple Pay wasn't a specific piece of hardware/software that had to be enabled?
Anywhere that supports contactless also supports Apple Pay by default?
You can't separate the two.
Anywhere that supports contactless also supports Apple Pay by default?
You can't separate the two.
Oh really? I thought the NFC reader will just think the iPhone is a physical credit card?
We're talking about two different countries though. The EMV adoption rate in the US is also non-existent compared to the rest of the world.
I already told you. In the event that something needs to be paid with the phone, there are other solutions way ahead of Apple Pay.
Oh what a terrible and relevant real world scenario. Good thing Apple Pay can solve this problem for good.
I'm not saying Apple Pay will not be possible. I'm saying it might never catch on, because other things have caught on years before. Apple Pay in the US seems like it's filling a gap that has already been filled in other countries a long time ago.
Nope. I'm not 100% sure why, but I think it has something to do with the backend. I believe something more is going on in the way of processing on the phone when you make a purchase because it produces a unique card number for each transaction. In fact, I'd guess Apple Pay wouldn't work without a data connection (which obviously isn't the case with NFC credit cards).
There was a well documented case of a retailer that didn't intend to accept Apple Pay, but did for quite awhile after the launch and later disabled it because they were part of the consortium that is working on another contactless payment system. I don't recall the name at the moment, but you can probably find it if you look for it.
Thanks for the explanation, but I'd just add that people have been using Apple Pay on their Apple watch, with their paired iPhone at home (therefore no data connection for the watch) and it still worked.
I'm in the UK and unable to test this myself unfortunately, hoping it comes here one day!
I'm in the UK and unable to test this myself unfortunately, hoping it comes here one day!
It's not a matter of needing to pay for something with the phone, but rather of having to pay with something else. I just don't see why anyone would ever carry around a card if they didn't have to. They have to carry around a phone anyway, so why not use that?
Solutions ahead of Apple in what way? If you mean adoption, then maybe. If you mean technology, I'd love to hear how the other solution is better. Also, solutions in the US? That's where I live and there aren't better solutions.
Not 100% sure if you are being sarcastic or facetious when you say "terrible and relevant real world scenario", but I currently carry around 9 credit or debit cards, and have more that I don't carry around, which makes my wallet obnoxiously thick. I also have a gift card or two and a bus card that could very conceivably work with Apple Pay. Apple Pay absolutely could solve this problem for good if more locations accepted it, while also providing much better security.
Interesting. I'll try to remember to test this with cell data turned off.
I agree it might never catch on, although I am very frustrated by that fact, given the incredible utility. Other contactless solutions in the past have been niche products that were realistically useless. I was excited when Apple joined the mix because its clout made the possibility of widespread adoption more likely than any other solution other than government regulation/mandate (guessing this is the case in Denmark, either that or businesses are limited by anti-trust laws - or are just plain logical).
I just don't see a reason why a business wouldn't accept Apple Pay unless they are working on an alternative (and this is a bad reason). Businesses don't have to pay the fee to Apple, do they?
By the way, pretty soon here EMV adoption will be 100%, won't it? Pretty sure adoption is now mandated by the US government.
Because it already exists, both as a tool for quick C2C payment and NFC payment.
Sure, it's a bit slower than Apple Pay due to iOS, but it has nationwide adoption. Adoption usually trumps "superior technologies", and this is not the first time Apple is experiencing this. I'm not saying "we should not have Apple Pay". I'm saying "it's probably not going to be adopted, since it's not really something the consumer needs".
Great! That means Apple Pay is the best solution for the US market and will thus stay there, and the rest of the world will have their own best solutions, which means less marketshare for Apple. Wait, why are you bringing this up? I said other countries than the US in my initial post.
NINE PLUS credit cards for you alone? I know people who have two cards, one for the budget and one for fun. I personally only have a single card because it works with every single machine in my respective country, and I can do my money managing online. But nine? Do enlighten me.
I also have a NFC plastic card that works with nationwide public transport from the capital subway to long distance trains. Sure, Apple Pay could potentially work with a lot of things. Just like Passbook. I just don't know anyone who uses Passbook. Let's not look too far ahead into the future.
Exactly. This whole pay with your phone thing is a solution to a problem that really didn't exist. Card swipes and even cash are quick and clean. You don't even have to sign for small to medium sized purchases now at larger vendors. Simple. Easy.
WTF is this phone pay thing for again....?
