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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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Doing shift-option-k in one stroke is faster than typing out A-P-P-L-E. What a dumb thing to have an issue with.
It's simply AWKWARD to use. That's why I don't use it.
When I pull out my card, I know it's going to work. The two places I know use it...are Walgreens and McDonalds. I have used it there a few times, but sometimes when I do...the reader isn't ready, so the iphone looks like it sent the single but the cashier is like try again.
Then one time a McDonalds the reader just wasn't working...and I felt like a douche because I pulled out my card and could have paid like that in the beginning.
I also think it's foolish sometimes paying for my $3 McDonalds meal with a $600 phone, and I feel bad doing that in front of someone who makes like $8/hr.
To add to it...I think my perfect vision for apple pay is just to hold my phone and it work...no TouchID needed for purchases under, say, $25.00. It would like the octopus card in Hong Kong...just touch and go. Also, if I were Apple, I would work with the retailers to take out all those other questions that are asked afterward...Credit? Debit? PIN? Cashback? UGH... Like come on...touch and go, please
You need to work on your self-esteem if you are always worried about how you look to other people. Hope as you get older, this improves for you.
What's the big deal - I've been using CCs in Germany for past 15 or more years - hotels, gas stops, grocery stores, book stores, restaurants, it's not like the option hasn't been available.
Wow, a lot of negativity over the last couple of pages
Maybe only 20% of Americans are using it after 5-10 years compared to 60-70% elsewhere. It's still an improvement over what we have now and that's what we should be striving for, right? As for the retailers still being whiny about it, perhaps MasterCard needs to mandate NFC support in the US like they're doing for Europe.
Maybe only 20% of Americans are using it after 5-10 years compared to 60-70% elsewhere. It's still an improvement over what we have now and that's what we should be striving for, right? As for the retailers still being whiny about it, perhaps MasterCard needs to mandate NFC support in the US like they're doing for Europe.
Apple Pay is secure enough that you should not worry about using it.
Retailers don't have to update by then, but it's a good idea for those who have a lot of fraudulent magstripe payments from people using counterfeit cards on accounts that should have a chip.
No, it's a recommendation mostly led by Visa, who along with other CC brands, are switching liability to retailers IF they take a counterfeit magstripe payment from a chipped card.
That is correct.
Apple Pay does not produce a unique account number each time. That number is static per device. What's dynamic are the authorization cryptograms that go along with the transaction.
It also does not require a data connection.
Why? Are they store cards where you get a discount using their card?
It's pretty common in many parts of the world not to have a realtime data connection. In fact, that's what caused chipped cards to be invented in the first place... so that they could authorize themselves.
This is something that Apple Pay was not originally set up for, btw, and is one reason for holding back its adoption overseas.
(In the US, almost all credit card transactions have been realtime for decades, which is partly why chip cards were not seen as necessary.)
That's because you've only used Apple Pay for small purchases. If you tried to use it for debit, then you'd still be asked for your debit card PIN. If you used it for a purchase above the retailer's signature requirement limit, you'd still (at this time) need to sign.
Edeka - nope
Lidl - nope
Aldi - nope
Tegut - just recently
Cinema - yes, for 2 bucks more
Bahn - depends
Restaurant - too lazy to ask
Media Markt - just recently
Mc Donalds etc. - only for more than 10 Euro
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!
Maybe we just need to pick up lots of items and when we get to the cashier we just say "too bad, no Apple Pay? No buy! I will go somewhere it has Apple Pay." And give her the items and leave. People's welfare and rights have to be won by a "fight", and it has always been the case. They don't care about us, except for our USD$.
This was a horrible idea back when CVS turned off NFC and it's still a horrible idea now. All you'll end up doing is turning the clerks against Apple Pay, making it far more difficult for retailers to change their minds about supporting it in the future.
Just pay with a card and fill out that survey on the bottom of the receipt. I read something about how at one Safeway, 25% of their survey comments mentioned Apple Pay, so they do read them.
You must not go out to fine dining restaurants at all than. Every single one drops off a book with your receipt and you put in your credit card. They pick it up and go and swipe it. It's the only way to pay with a credit card.
Yeah, there's no getting around letting a server take your card away at a US restaurant. I have no idea why we don't do like Europe where every server has a card reader and you pay right at the table. It's so much faster and we can use Pay then. SMH
* In the US.
This is not standard practice anywhere in Europe, Asia, S. Africa..... The waiter/waitress comes by with the CC terminal, which is for chip & pin and you either do it yourself or they stand there in front of you. So much more secure. And smart. And they have NFC terminals everywhere in Europe too.
The US has been behind in cc technologies for quite a while. US credit card are just now being rolled out with chip & signature. I, for the life of me, can not figure out why they wouldn't just go chip & pin like everywhere else basically announcing HEY WE'RE AMERICANS AND WE'RE BEHIND IN THE TIMES!
¯\_(ツ)_/¯
On top of that, it pretty much guarantees that cards can still be taken away from tables like they are now. I also have a suspicion that chip and signature isn't going to be "annoying" enough for most people to consider technologies like Android or Apple Pay, especially since they already waive signature for small amounts.
Where did you get your information? Americans using cash? More cards than cash my friend, whether debit or credit.
No, they print out the receipt at the table and I sign there. But most of the time they have to go find me a pen to sign with because they're so used to just having a PIN.
The ApplePay thing will just take time. I think the key here is to not just call it ApplePay but NFC payments. NFC works on most of my cards even without ApplePay. Once it's rolled out in more of the world where NFC is standard, the stats will start to look differently.
I'm a big fan of NFC/Chip & pin but if a store doesn't have it, I don't ask for it. It doesn't mean I don't want it. I guess I'll just start asking for it now just to make a point. I'm going to start asking restaurants why they need to take my card away also.
I do think that cards>cash in the US, especially as you hear of so many people who are irresponsible with spending and load up on impossible credit card debit (We're #1! We're #1! …I kid). That being said, I have seen a trend of people who think debit cards are better for some strange reason (maybe because you have to have the funds to back it up, but also just the idea that they heard credit cards were bad somewhere and didn't take time to educate themselves).
Then again, some of the ill-informed comments about Apple Pay have also surprised me… "someone can just hack your phone and empty your bank account!"
That's what I mean; restaurants don't need to buy the portable terminals if they're almost never going to see a chip and PIN card. The portable terminals are necessary elsewhere because it would be a complete nightmare to make everyone walk to the back of the restaurant to enter said PIN. As for the US, they might even make the restaurant terminals such that they don't support PIN at all and downgrade such cards to chip and signature, or simply have those few people go to the back of the restaurant or wherever the server's station is.
Part of me thinks Apple launched Apple Pay a year or two too early and they should have started elsewhere but I know no one would have bothered adding support for it in the US if they did. Just look at all the whining from retailers as evidenced in the article. Hopefully support does continue to get better over time.
Hate to admit it but as an American I might as well say it before someone else does. US restaurants probably don't do at-table bill pay because if people pay in cash the typical server couldn't make change in their heads.
It's not really an Apple-centric issue. I'd be happy with contactless payments being adopted across multiples platforms, most notably Apple Pay and Android Pay. It's no different than merchants accepting all major credit cards.
The U.S.-only nature of service rollouts is unfortunate but inevitable. Apple could spend years trying to get rights holders and regulatory bodies to coordinate a multinational launch, but that's just not realistic. You have to start somewhere and get feedback early. Even if Apple were willing to negotiate for several years prior to launch, there's no guarantee that the service in question will wind up being a long-term prospect—to wit, iTunes Radio.
Nothing stopping them from still taking cash away from tables even if portable credit card terminals happened.
Those are great solutions for you. I congratulate Denmark for having these systems in place. Most of us here are not trying to force Europe or any other part of the world to adopt Apple Pay (although it seems to be wanted in a number of countries). We are hoping that more of the US merchants will adopt it. I use Passbook on a daily basis! I love that it tracks charges. It is (IMO) a great adjunct for the American payment system.
No it doesn't and no they don't. Android Pay does though but that's because it doesn't use a Secure Element.
You're of course correct that the phone/watch doesn't need a connection.
However, I think he's talking about the retailer's terminal needing a connection up to the acquirer to request a realtime Apple Pay purchase authorization from the card issuer. (I think he missed seeing the "cell" part.)