Thinking back some more based on my personal experience, the best chances for success are going to be at places with a customer-side PIN pad (major retailers and some smaller ones). The ones who don't shell out the money are going to be a lot more difficult to deal with, even if their terminals do support NFC.
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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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Lights and "please slide card" mean nothing. I go to many stores where it says Please Slide Card, and it has no other indication of Apple Pay or Contactless or ANYTHING, and Apple Pay works just fine. Haagen is a great example of one. Just says Please Slide Card, and I tapped my phone and it works fine. Granted they're using the MX915, but there literally was absolutely no indication.
Product placement is potential revenue.
Implementing anything at the check out is an expense.
I am going to go out on a limb here in saying, potential revenue has more discussion time than incurring an expense at the check out at meetings.
Implementing anything at the check out is an expense.
I am going to go out on a limb here in saying, potential revenue has more discussion time than incurring an expense at the check out at meetings.
That is quite right, "Please Slide Card" is the default message for the MX9xx series so there is a much higher chance of NFC being turned on as that means the the terminal probably set to defaults. Another example of this is Sun Mart who had just the installed MX925's the previous week and it had a white background and it only said "Please Slide Card" on the screen and NFC was enabled! Menards which uses the same MX925 says "Please Swipe Your Payment Card" and NFC was turned off with a similar message to what Casey's says on their Equinox L5300's. If Haggen's MX915 were fail to read Apple Pay the first time then these dots would show up on the screen: https://dl.dropboxusercontent.com/u/38348368/0530151457.jpg otherwise they show up for only a few seconds and its easy to miss them.
This says it all..... I would imagine there is plenty of demand, but since retailers do not have access to the data, they are not going to support it.
Yeah it's great... I love it here in Canada!
oh... wait it's not here yet.
You all don't whine like the other country that just was announced.
Navy Federal Credit Union debit cards can't be used with Apple Pay. Navy Federal Credit Union Visa check cards (the red card) can be used with Apple Pay.
More and more retailers including those that were in MCX are beginning to support it, namely Target, Best Buy etc.
I don't understand why not just implement a loyalty card to track? Other stores like Walgreens use their own loyalty cards to track consumers, which then allows you to use Apple Pay.
What bank/credit union do you have? You may have to get the Visa Check Card in order to use Apple Pay. It will debit/credit your checking account. Use the credit option at checkout to get the protections of your credit card as you are "debiting" your banking account. My credit union only allows Visa Check Cards to work with Apple Pay.
Whole Foods takes Apple Pay. I think Publix does. McDonald's should take it through the drive thru. CVS turned off NFC and is a loyal MCX member. You can reload your Starbucks card (on the Starbucks app) with Apple Pay. I do this a lot..... real easy.
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That it an excellent point and one that is already being used by most retailers!
The difference is that there was an incentive for retailers to move from checks to credit/debit. Instead of waiting days for a payment and the risk that a check may bounce, they would get funds immediately at the POS. It was a complete no brainer.
The main benefit of Apple Pay is security and anonymity. Retailers aren't (currently) liable for the former and don't care about the latter.
With the potential shift in liability later this year to retailers, they may be a lot more interested in the security aspect. But they will likely be happy with what EMV provides rather than going all the way to Apple Pay.
It's not a matter of having vision...as they can likely switch on a dime when needed. But it's gonna need to be customer driven, not retailer driven.
EMV and Apple Pay aren't different enough to be hard to implement. In fact it's an extra step to turn it OFF, rather than leave it on.
This is all anyone needs to know. The stores want your data.
The Publix I go to doesn't. Have not seen it in any Publix. The other day I put a chip card in and the clerk said "that doesn't work, the manager says we will never have that turned on" I am amazed a customer friendly chain (where shopping is a pleasure) is not taking the lead in this.
It takes time to upgrade all stores to these terminals: https://dl.dropboxusercontent.com/u/38348368/2015-01-08.jpg If you have Apple Pay, you could try tapping where that picture shows the Contactless logo, but thats currently missing from the Publix iSC480 terminals. Even if the screen lights up when placed near there I'm sure it will decline. if it does nothing then Publix has the contactless attenna completely off and some Publix are still using the old Verifone MX850 terminals without emv. Publix does have plans to enable Apple Pay, they have been saying that on twitter for months.
I saw the NFC symbol at the Publix in Cary NC and the one in N. Myrtle Beach. I haven't tried pay with Apple Pay there.
Talk about reviving a thread lol? But yes, Samsung Pay is awesome. If it wasn't for the Samsung software, I would definitely own Galaxy devices only.
In my 51yrs of life I've never had a credit card breach, lost or stolen. I do use Samsumg Pay once on a while. It is accepted everywhere bit still easier imvhp to pay by CC.
In theory. There are enough places in the US where you have no access to the terminal, however, that it's not much more than Apple Pay in practice. At least where I live, anyway.
As long as they can take a debit or credit card Samsung Pay works. It uses MST and NFC. It is literally everywhere Visa and Mastercard are accepted.
I'm well aware of that. Giving a server at a restaurant your phone (for example) isn't going to work well though, and following said person to the terminal/POS might very well be unrealistic depending on where it is at the restaurant.
For me, it's been only Target, CVS and 7-Eleven recently out of the non-restaurants that don't support NFC. (I don't visit Ralphs/Kroger or Walmart all that often as I have a significant number of NFC-supporting grocery stores much closer to me.)
In the U.K. I can use Apple Pay nearly everywhere, as most places have NFC terminals. I can happily go out without my wallet if I want. Apple Pay is my preferred method of payment, largely because of the extra security. As whilst in theory I’d be covered if my card was compromised, banks can be difficult and the time it can take to recover the money isn’t always insignificant. I do think Apple could do more to advertise its benefits though.