Apple pay is neat, but paying with cash or plastic isn't a pain point and is a very efficient process.
I don't understand how executives at so many companies can be so short sighted. They are literally paid millions of dollars to be able to steer a company in the direction of the market. Let's be honest - this is the direction it is heading. I think the biggest turning point will be digital driver's licenses though (also things like car insurance, car registration, insurance cards, etc but a lot of these are already accepted places). Delaware and Iowa are both going forward with the digital driver's license thing already (google it). The big revolution will be not having to carry a wallet. At this point people still need their wallets so adding a credit card to it is pretty insignificant. When people can leave their house with no wallet (and eventually no car keys) that is when the general public will catch on and buy into this. I just hope that retailers catch on early enough so we aren't waiting for them to leave the house without a wallet. The future is filled with exciting times.
The McDonalds by my house I noticed says you can do Apple Pay in the drive thru, but there is no equipment outside to do it so you'd basically have to ask them to provide you with the equipment to do it...or hand over your credit card like everything else.
Actually, it also depends on whether they have the right software. At my local liquor store, I get a DONE signal on my phone but the transaction stays in processing and doesn't go through. I've emailed the manager and they say they are working on it. I think they need an upgrade to their software.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.
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I don't doubt that it works fine, I'm just saying that for an introvert like myself, they've made it more difficult to use than a credit card.The equipment is on a long lead over here, (Long enough to reach the far side of the vehicle) they just hand you the reader, whether for contactless or PIN. Works fine.
It's a niche service. Few have an interest in it. I know I don't worry about supporting Apple Pay right now. It's not worthwhile.
A little off topic but assuming you do like the taste, when you buy McD’s you know exactly what you’re getting. This is part of their recipe for success.People still eat that slop....and drive through no less...? LMAO!!!!
I agree that none of the retail staff and stores are set up to use ApplePay and they make it awkward when it doesn't have to be. CVS is actually set up to handle ApplePay because they do self checkout.
They are so used to taking cash and taking credit information. Cash is subject to theft and cards are subject to theft and fraud. I think banks should make retailers partially liable for the cost of any fraud related to credit cards now... that'll speed up the NFC adoption rates....or insurance companies should raise rates for those who don't have NFC enabled terminals because it means that security isn't an issue for them.
Retailers are trying to blame consumer adoption but they haven't adopted it. How can the consumer?
So instead retailers can cite "Insufficient demand—oh, except for this one guy" as their biggest reason for lacking Pay.![]()
Is that your excuse for not voting in elections too? It's sad some people don't understand that a large group of people is comprised of many individual people making their voices heard.
Hmm...yet every time I use Pay either the store clerk or the person behind me in line asks me about it. Just a few weeks ago at Subway the cashier was like "did you just pay with your phone? That's so cool!"
Just ask them to hand you the deviceGot it...next time I go through the drive thru at McDonalds I'll unbuckle and climb thru my window to pay.
And what happens when the bank makes consumers liable for their fraud with their accounts or makes the recovery process so onerous that you will wish you had been more secure with your information? That used to be the case. Now banks just order insurance to mitigate the loses.I agree with this. There have been a number of times I've swiped my debit card before I even thought of AP as an option. There are lot of transactions where PIN isn't required, so the time of pulling out a wallet or pulling out a phone are a wash.
The biggest plus to AP is the data protection. But customers don't feel that pain point. We've become numb to the endless data breaches. And if your card is compromised, the actual liability most people experience is very limited.
Not surprising since only people with two specific smartphones can use Apple Pay. Apple should have been silently putting in NFC chips in iPhones since the iPhone 5. That way when Apple Pay launched, the large percentage of iPhone users could use Apple Pay. Google out-did Apple in this regard, because now if Android Pay gains traction, pretty much every recent Android phone will be able to use it.
Is that your excuse for not voting in elections too? It's sad some people don't understand that a large group of people is comprised of many individual people making their voices heard.
Ok, so from now on, I'll start telling retailers I want Apple Pay.