I think that's correct. However, the retailer still needs a data connection for the terminal. No connection, no payment.
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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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I think that's correct. However, the retailer still needs a data connection for the terminal. No connection, no payment.
Sounds as though you need to spring clean your wallet.
Do you really need 9 cards most of the time? I doubt it. Just carry a couple for everyday use plus the odd loyalty card, and you can buy a BookBook iPhone case to store them. No need for a wallet, then.
I doubt it. Anyone who thinks that credit cards are working well obviously can only see one color: rose. The security problems alone make credit cards just awful.
If you've only got one card, I guess you can make this claim. Those of us carrying around multiple cards don't see it that way. By the way, what do you do when your one card is hacked and the company has to send you a new one? Switch to cash for a week, or pay extra to overnight it?
Not even Starbucks takes Applepay. Got my new watch the other day. Went to Starbucks confidently without my wallet, having heard they take Applepay now. Embarrassed myself after waiting in line, had to walk all the way home to get my damn wallet. I refuse to buy their stupid prepaid card crap and use a dumb barcode. What a load of garbage.
I'm going back to cash. Screw this.
I'm going back to cash. Screw this.
What we need is a governmental set ecash standard, and a new currency model to boot. The fixed min wage and single currency system is broken; rent has doubled and tripled while regular jobs barely increased in pay the past ten years in my city. Corporate-specific proprietary payment methods are NOT the solution, as cool as Applepay is. We need totally new monetary, voting, and identification systems on a national level. I wish Apple would just buy the Federal government and fix our country, but someone else is gonna have to do it: the people. And good luck with that.
Customer to retail clerk who doesn't give a sh*t: You don't accept Apple Pay?
Retail clerk who doesn't give a sh*t: Huh?
Customer: Apple Pay.
Clerk: What's that?
Customer: It's a convenient and secure way to pay with my phone, really great and I try to only shop at stores that accept it.
Clerk: No, never heard of it and I don't really get paid enough to care. I was trained on the POS machine and you just swipe your card.
Customer: Well, maybe you could tell your manager that I and probably hundreds of other customers really want, nay, demand to use Apple Pay. Then it'll surely work its way up the chain to the corporate office where those decisions are made, because that's how it works, right?
Clerk: Um, yeah, right. I'll get that ball rolling, right away.
Customer: Great! See? All we have to do is "demand" Apple Pay and we'll get Apple Pay!
Retail clerk who doesn't give a sh*t: Huh?
Customer: Apple Pay.
Clerk: What's that?
Customer: It's a convenient and secure way to pay with my phone, really great and I try to only shop at stores that accept it.
Clerk: No, never heard of it and I don't really get paid enough to care. I was trained on the POS machine and you just swipe your card.
Customer: Well, maybe you could tell your manager that I and probably hundreds of other customers really want, nay, demand to use Apple Pay. Then it'll surely work its way up the chain to the corporate office where those decisions are made, because that's how it works, right?
Clerk: Um, yeah, right. I'll get that ball rolling, right away.
Customer: Great! See? All we have to do is "demand" Apple Pay and we'll get Apple Pay!
I've had my iPhone 6 since January and still haven't used it. I guess I should try it out but I just don't see how it is faster.
Speak for yourself. 1) I don't use cash. 2) my credit cards have been compromised by retailers multiple times, and it's been a huge hassle for me to deal with (last time I was at the grocery with a cart full of groceries when a compromised card was shut down).
Having the contsctless logo does not mean you are paying with apple pay. It means you can use contact less payment which will still require you to enter your pin number or press something on the keypad or touch screen. Having an apple pay logo means after you’ve done your part on the phone with your finger on touch id, that’s it, transaction finished. I’ve used at places that supported both contactless payments but not apple pay, and places that supported both contact less and apple pay. Places that support apple pay transactions are significantly faster because it doesn’t ask you to enter a pin number or yes or confirm anything on the keypad or touch screen.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.
If you use it at a place that supports apple pay, not just contact less payments but actually have the apple pay logo, you’ll see how fast it is.
I feel your pain. From my experience when people don’t speak positively about apple pay it’s either because they don’t understand how it works or they’ve never used it at a place that supports apple pay.
Why weren't users using Apple Pay more often?
1) Forgetfullness: 32% forgot it was an option.
2) Awareness: 31% were unaware that merchant accepted NFC payments.
3) Preference: 20% wanted to use a different payment method (cash, a pay card unsupported by the platform, or something connected to a rewards program ).
4) Inability: 15% didn't have the phone on hand or the store didn't accept Apple Pay.
Of the 85% who still hadn't used Apple Pay, most cited reasons that can be attributed to ignorance.
1) 37% thought they had no reason to change
(unaware of convenience, security, and privacy benefits.)
2) 31% were unfamiliar with how system works
(Clueless cashiers didn't help either.)
3) 15% were worried about security
(Apple Pay is far more secure than using a credit card.)
4) 11% had never heard of Apple Pay when they completed the survey.
1) Forgetfullness: 32% forgot it was an option.
2) Awareness: 31% were unaware that merchant accepted NFC payments.
3) Preference: 20% wanted to use a different payment method (cash, a pay card unsupported by the platform, or something connected to a rewards program ).
4) Inability: 15% didn't have the phone on hand or the store didn't accept Apple Pay.
Of the 85% who still hadn't used Apple Pay, most cited reasons that can be attributed to ignorance.
1) 37% thought they had no reason to change
(unaware of convenience, security, and privacy benefits.)
2) 31% were unfamiliar with how system works
(Clueless cashiers didn't help either.)
3) 15% were worried about security
(Apple Pay is far more secure than using a credit card.)
4) 11% had never heard of Apple Pay when they completed the survey.
Yeah, I'd like to know how I let a retailer know I "demand" it. I highly doubt that the cashiers are tracking all the time I ask and get told no....
Despite Apple dubbing 2015 "the year of Apple Pay" in its January earnings call, a number of big-name retailers remain skeptical over the contactless payments service, according to Reuters. The service launched last October in the U.S. and has steadily gained support from numerous banks and retailers in the months since.
Working through the National Retail Federation's top 100 United States merchants, of which Apple said "about half" would begin to accept Apple Pay this year, Reuters found the company's predictions may be "too optimistic," with many retailers remaining skeptical about Apple Pay. After questioning and interviewing a total of 98 of the top 100 NRF merchants, it was discovered that fewer than a quarter of the retailers currently accept Apple Pay while nearly two-thirds of the companies confirmed they would not be supporting the mobile payments service this year. Just four retailers confirmed to Reuters that they would in fact be joining the support of Apple Pay in 2015.
Apple has still made significant progress since the service's debut last October, increasing retail acceptance to over 700,000 points of sale as of the last financial Apple Pay update in March. According to one retailer not accepting Apple Pay, the Cupertino-based company comes on strong when pitching to possible partners.
When searching for a reason why so many companies were against backing the service, "insufficient customer demand" was the biggest reason cited by merchants. This was followed by lack of data access granted through observing customer buying habits, cost of installation, and support of other contactless payments solutions like Current-C. Twenty-eight total retailers noted that lack of data access, and the inability to send customized advertisements to individual users like traditional credit cards allow, is a "key reason" they won't accept Apple Pay.
Despite questions about the future of Apple Pay, its current partners echo enthusiasm in customer satisfaction and ease-of-use with Apple Pay. Whole Foods spokesperson Michael Silverman told Reuters that Apple's mobile wallet accounted for 2 percent of its sales dollars as of March, with an expected increase in the future. "Our shoppers are really enjoying the speed, convenience and security of Apple Pay," Silverman said. With WWDC around the corner, and rumors of much-requested features such as a rewards program coming to the platform, its likely additional companies will come around to Apple Pay as Apple beefs up the still fairly nascent service and consumer traction continues to improve.
Update 11:19 AM: Apple has provided a statement to iMore standing by its predictions of Apple Pay adoption for this year with some additional context not shared in the Reuters report.
Article Link: Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
While the security issues are a pain...the bigger issue is the cost. A large part of the extra costs we all pay for goods and services is to cover the credit card transaction fees. A lot of that cost is due to fraud. But if a more secure system doesn't lower the fees - people don't see the impact or feel any urgency.
The ill-fated CurrentC wanted to create a system that didn't realy on credit card fees...and let the retailers pocket the extra percentage.
Banks/CC want to move fraud liability to retailers, so they can pocket the extra percentage.
Nowhere in this model is passing the savings to the consumer that already pay a built in cost for credit/debit transaction fees.
I doubt retailers are looking at POS feedback or the occasional email from a MR forum user.
They are looking across the industry to see if AP results in an increase in sales or conversely a potential loss in sales. If CVS was suddenly losing appreciable market share to CVS because of Apple Pay payments, their tune would change quick.
The challenge for Apple Pay (and other NFC systems in the US) is to try to create a compelling enough demand for a large number of their customers to use NFC payments and actually impact sales for those who do/don't use it.
As someone posted on here earlier, a lot of customers like to use AP - but if they can't, they'll just swipe like they always do. If I'm still making a sale.... what's my incentive to offer AP?
It should be the security concern. But how many people stopped shopping at Target? At Home Depot? Or any of the other companies who got breached?
They won't be pulling out their $800 phone which the op is suggesting is at risk for theft in that moment but they will be tapping their $400 watch already on their wrist which eventually will have solid theft prevention features built in... the watch is the future of Apple Pay in my opinion, not the phone.
You can't steal someone's credit card number from an Pay transaction.
That's the big deal.
Lack of customer demand: bullcrap - this is a lie and an excuse
Apple unwilling to allow vendors to collect spending information that can be used for targeted advertising like 'the other guys allow': bingo - this is the REAL reason they aren't adopting it.
Apple unwilling to allow vendors to collect spending information that can be used for targeted advertising like 'the other guys allow': bingo - this is the REAL reason they aren't adopting it.
Most retailers have a website and a contact email you can use to let them know you want them to support Pay. It's not that mysterious how to let retailers know you want to use Pay. I did that with my grocery store and liquor store. My grocery store now takes Pay and my liquor store emailed me back and said they are working on it. They need a software upgrade since Pay almost works but the transaction gets stuck in processing after the NFC reader.
You can also fill out a survey many retailers put on receipts and if they have a customer service area, many have a form to fill out for feedback or requests. Or there's the option to directly tell the manager if you are a proactive, uninhibited type of person. It's funny how reluctant people are to contact retailers to get something they want. I've been contacting retailers for this and that (more information, product complaints, unavailable product requests, kudos, etc.) since I was a kid and most are very responsive.
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So you, one single person in the whole world, have not had any credit card theft related issues.
That clearly means there is no risk!
I personally have not been killed in a car crash so that must mean that car crashes don't actually happen -so I might as well stop using my seat belt. I also have not been killed in a motorcycle accident so I don't need to wear a helmet. Additionally I haven't ever been taken hostage by terrorists so I might as well vacation in Mosul.
I've used Pay at a ton of local mom&pop shops. It surprises me sometimes!
I posted about it earlier in the thread but on a recent road trip I went in to a tiny grocery store in a tiny town in super rural southern Utah - and when I got up to the register with my snacks they had a machine with the NFC logo and my Pay worked!
I have used my Pay at:
McDonalds
Home Depot
Jamba Juice
Firehouse Subs
Panera Bread
Whole Foods
Some Grocery Store in Utah
A small local used video game shop
Walgreens
Vending machines in my office building
Nike stores
Apple Store
Starbucks
A local motorcycle shop
A local independent convenience store
And probably others I am forgetting...
There are several inconveniences to having a credit card stolen
1) Stolen credit card is suspended while you are out of town and suddenly you have no credit card to use
2) Credit card is cancelled and you have to remember to change any recurring charges that are tied to that card
3) Risk to your credit rating if the fraud isn't caught immediately or if you miss payments because you forgot the cancelled card is used to pay that bill
4) Your card is used for illegal activity (e.g., buying materials to make meth, explosives, child porn, etc.) and now your information is in the system for that activity
Someone tried to use my BofA Travel card that has a chip and no foreign transaction fees to withdraw $10,000 at a Paris hotel and I found out two days before I left for Europe. BofA tried to FedEx a new one to me but it didn't get to me in time so I had to take a different card without a chip and had fees. Many times, a stolen credit card DOES hurt.
You are just lucky it was a simple replacement. You can usually get away with not wearing a condom, too, but it only takes one bad result to regret it!
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