Rite Aid Disables Apple Pay Support After Initially Accepting Payments

[Trapezoid]

The fact is, all media is meant to harvest people for profit.

The news on TV appears to be to inform, but it's there to sell products.

The Internet stories are not any different. They're here to sell products.

Without drawing in people to bicker back and forth, advertisements would dry up and the media site would fold.

You want drama free, you'll need to go to a site that charges for membership. And, then people who have spent money to be a member, will be in fear of being suspended for upsetting someone, therefore wasting their money.

Of course, a paid site would have less traffic, less conversation, and therefore less reason for anyone to be there.

The reality is, the fanboys love the drama. Macrumors loves the fanboys. Fanboys click on links, cause the site's statistics to go up, which causes the advertisers to pay for space on the site, which causes the fanboys to buy product, which just keeps the circle going.

Those who come to simply seek help, get questions answered, etc... well, they're not the obsessive ones clicking on every link seeking someone to discredit, belittle, etc. and therefore not the ones generating the cash flow.

In much the same way, if the television news wasn't written in a way to polarize the people, there would be fewer people watching it, fewer advertisers would buy spots, and the news show would die off in favor of whatever else would draw more viewers, to watch more commercials, to make more money, etc.

Drama is money.

Oh I know. Fanboys pay the bills. MR knows that

 

[AllieNeko]

Don't spread FUD. That's not a general cvs ban.

I never, ever claimed it was. It was ONE anecdote of it being disabled (or possibly broken) at ONE CVS store. The cashier told me it used to work. That's it. Nothing resembling FUD... well, no fear. It's not really a fear thing. Yes, uncertainty. Why would some CVS disable it and not others?

 

[dontwalkhand]

Well Apple doesn't have your info. Stores don't have your info. Only the banks do if you use Apple Pay. Well banks already have your info all along. So what's your point?

Not Apple, CurrentC. I don't trust CurrentC

 

[AllieNeko]

Not Apple, CurrentC. I don't trust CurrentC

CurrentC has a few purposes:

1. Customer tracking. This is the same as reward cards today.

2. Lowering interchange fees. Frankly, I don't care... but I like the protections offered by a credit card network as an intermediary. Thus, this is very bad for consumers indirectly.

 

[Redenkeew]

Once upon a time I accepted cash only... Then, I accepted Credit Cards... Then I accepted PayPal... Then I later quit accepting credit cards... Then Eventually I quit accepting PayPal. It's a merchants choice. Pay me in cash, or don't buy at all. I don't care. I later sold that business, for guess what... Cash. Didn't hurt me at all. I've sold several businesses in my years. Stating what payment options I would accept, didn't kill my businesses. And, they remained profitable and viable enough to sell them to others who are still operating them today. Some of them with more strict payment options than I accepted. It's their choice.

A merchant is free to accept or deny any payment option they choose to, and that's up to them. If they want to refuse all cash, credit, checks, electronic, etc. methods, and only accept payment in seeds, or pebbles, or whatever, then that is their prerogative.

You want to shop there, you pay in the manner in which they accept payment.

They never had any intention of accepting Apple Pay. That has been made clear. They learned that someone could use an unauthorized payment method without their consent by exposing a built-in bug in the system (maybe not a technical bug, but a hole that they did not intend to be there). They closed said hole, and restored their system to match their original intentions.

If they didn't accept Discover Cards, and learned that when they pressed the credit button that a user was able to pay with their Discover Card by running it through the card reader, they'd be within their rights to recognize that gap in their hardware and policies, and correct it to match their policies.

So, because they didn't realize that fanatics were going to come in and try to use a payment method which they didn't offer, the fanatics scream when they restored their hardware settings to match their already established policies.

The fact that many of the fanatics are in an uproar over a store that most of the complainers wouldn't shop in anyway, is ridiculous.

I don't want to shop there, but I'm allowed to say I don't like that they shut off Apple Pay, don't I? And yes, I don't like shopping at Ride Aid from now on because of that. I don't even go to business that do cash only. They have their choices and I have my choices. Myself, or any Apple Pay users, are allowed to choose stores based on our own preferences, and complain when it doesn't have what we want.

That's how customers and businesses are. It's the same with ordering a steak medium rare, it comes out well-done and you send it back demanding the kitchen to remake it based on your preferences. The restaurant can accommodate me, or refuse to remake the stake. Then it's my choice that I'm not coming back anymore because they don't accommodate my needs. That's how business works.

Please cite the part where I put in BOLD. Last time I checked they haven't commented anything on the move. Let's act like a properly educated person. I reason base on facts. I don't make up stuff and pretend like I'm in the room with the executives from Ride Aid, citing what might have been saying in one of their meetings, but actually in your head.

 

[flyinmac]

CurrentC has a few purposes:

1. Customer tracking. This is the same as reward cards today.

2. Lowering interchange fees. Frankly, I don't care... but I like the protections offered by a credit card network as an intermediary. Thus, this is very bad for consumers indirectly.

The above post sponsored by.... Anyone else see the irony here:

 

[Redenkeew]

Not Apple, CurrentC. I don't trust CurrentC

Oops. My sincere apology for jumping the gun

 

[FeelingGood]

For F sake do read the articles once in a while before jumping the gun

You're assuming the idiot "NachoGrande" has the reading skills required to make sense of what he's reading... His Nacho is grande because his brain is the size of a pea. Don't waste your breath.

 

[doelcm82]

CurrentC has a few purposes:

1. Customer tracking. This is the same as reward cards today.

2. Lowering interchange fees. Frankly, I don't care... but I like the protections offered by a credit card network as an intermediary. Thus, this is very bad for consumers indirectly.

I think CurrentC will fail for several reasons:
1. It relies on QR Codes. They're kind of kludgy, not to mention ugly.

2. It has too many moving parts. Somehow the transaction total has to get to the phone, which means the cashier has to know you want to pay with CurrentC. Then it has to identify who you are, so it can send the QR code to the right phone. The customer is going to want to review the total amount, so that amount must be part of the QR code (unless the QR code is a carte blanche code allowing the merchant to debit any amount from the customer's bank account).

There are at least three communications protocols involved, two of which are one-way (sending the QR code to the phone and scanning that code).

3. It's an app, which has to be invoked somehow. Google Wallet has this same issue, and it's probably one that can be overcome.

Without needing the phone to have a data or cellular connection, Google Wallet and Apple Pay make sense in more places, such as airplanes, cruise ships, and foreign travel, or places with poor cellular coverage.

 

[tmiw]

I think CurrentC will fail for several reasons:
1. It relies on QR Codes. They're kind of kludgy, not to mention ugly.

2. It has too many moving parts. Somehow the transaction total has to get to the phone, which means the cashier has to know you want to pay with CurrentC. Then it has to identify who you are, so it can send the QR code to the right phone. The customer is going to want to review the total amount, so that amount must be part of the QR code (unless the QR code is a carte blanche code allowing the merchant to debit any amount from the customer's bank account).

There are at least three communications protocols involved, two of which are one-way (sending the QR code to the phone and scanning that code).

3. It's an app, which has to be invoked somehow. Google Wallet has this same issue, and it's probably one that can be overcome.

Without needing the phone to have a data or cellular connection, Google Wallet and Apple Pay make sense in more places, such as airplanes, cruise ships, and foreign travel, or places with poor cellular coverage.

Google Wallet will actually start up on its own as long as the screen's unlocked when you put the phone against the reader.

(BTW, I'm now keeping track of MCX membership on my map of chip card acceptance and marking them accordingly.)

 

[doelcm82]

Google Wallet will actually start up on its own as long as the screen's unlocked when you put the phone against the reader.

(BTW, I'm now keeping track of MCX membership on my map of chip card acceptance and marking them accordingly.)

Apple Pay transactions can be completed without ever unlocking the phone. For Google Wallet, I assume unlocking the phone is the authentication. What happens in Google Wallet if you put a locked phone against the reader that's expecting payment?

 

[tmiw]

Apple Pay transactions can be completed without ever unlocking the phone. For Google Wallet, I assume unlocking the phone is the authentication. What happens in Google Wallet if you put a locked phone against the reader that's expecting payment?

I think it doesn't do anything.

 

[alphaod]

So I'll shop somewhere else.

 

[TraceyS/FL]

I think CurrentC will fail for several reasons:
1. It relies on QR Codes. They're kind of kludgy, not to mention ugly.

2. It has too many moving parts. Somehow the transaction total has to get to the phone, which means the cashier has to know you want to pay with CurrentC. Then it has to identify who you are, so it can send the QR code to the right phone. The customer is going to want to review the total amount, so that amount must be part of the QR code (unless the QR code is a carte blanche code allowing the merchant to debit any amount from the customer's bank account).

There are at least three communications protocols involved, two of which are one-way (sending the QR code to the phone and scanning that code).

3. It's an app, which has to be invoked somehow. Google Wallet has this same issue, and it's probably one that can be overcome.

Without needing the phone to have a data or cellular connection, Google Wallet and Apple Pay make sense in more places, such as airplanes, cruise ships, and foreign travel, or places with poor cellular coverage.

I believe in the case of target, since that is where I have read about it, that it is basically a carte Blanche scan. The total is on the screen, you say, how you are paying, they push that button, scan the code, and it pays via that linked card. In the case of target it is also linking the cartwheel savings in the same scan.

There probably isn't 2 way into the app at time of transaction. I could be wrong, but that isn't how I'm reading it.


******
As for above with the SS#, I'm assuming that is similar to the target debit card, It's going to be used to report you to the bureaus if you bounce a "check". There is no credit check, just a check of the account to see if you bounce checks over town.

Target and TD Bank has years of experience with this....

Which is interesting. Aren't people waiting for TD Bank to support Apple Pay? Are they in bed, so to speak, with the CurrentC people??

 

[samcraig]

Actually to the store you are anonymous. The names are not shared with merchant and they don't even have the real last digits on your card. That info belongs to the bank, which guess what, they already have it. If you know nothing about Apple Pay, don't bad mouth it.

I agree that nothing is concrete and bug-free and bullet-proof. But comparing to other current method, it's proven to be on top of the game. You can think that it MIGHT be not invincible, but you can't deny the fact that it's more secure than anything we have today. That's just pure ignorant.

You shouldn't speak of what you don't know anything about.

This has nothing to do with Apple Pay.

I never said Apple pay wasn't the most secure thing we have today. No idea why you're using the word ignorant here. Have a great day

 

[prosp]

They don't hate NFC. CurrenC is going to use NFC as well. They hate that they are being cut out of the personal data loop. Currently they track customers by account number. When you swipe your card they are looking up all the purchases you have made in the past and providing targeted coupons and offers. Bank sponsored NFC transactions happen with one time authorization codes. This weakens account relationship tracking as they only know the bank, not the account.

From the mcx.com website (any emphasis is mine):

"Protect and leverage valuable data to offer your customers better experiences and interactions throughout the path to purchase"

This is their motivation, Apple Pay is secure and private, they don't get your name, so they can't track your purchases.

 

[ProfessorHenry]

This whole fingerprint business seems to me suspicious.

 

[caesarp]

This whole fingerprint business seems to me suspicious.

What do you mean?

----------

From the mcx.com website (any emphasis is mine):

"Protect and leverage valuable data to offer your customers better experiences and interactions throughout the path to purchase"

This is their motivation, Apple Pay is secure and private, they don't get your name, so they can't track your purchases.

Yes. CurrentC is mainly for the benefit of retailers. Not YOU.

----------

Which is interesting. Aren't people waiting for TD Bank to support Apple Pay? Are they in bed, so to speak, with the CurrentC people??

No. The whole point of CurrentC is to cut out the banks and payment card brands.

 

[Mronk71]

Just sent an email to the Rite Aid board voicing my displeasure. Here is their email address in case anyone would like to do the same. SIAP

contacttheboard@riteaid.com

 

[kds1]

The fact is, all media is meant to harvest people for profit.

The news on TV appears to be to inform, but it's there to sell products.

The Internet stories are not any different. They're here to sell products.

Without drawing in people to bicker back and forth, advertisements would dry up and the media site would fold.

You want drama free, you'll need to go to a site that charges for membership. And, then people who have spent money to be a member, will be in fear of being suspended for upsetting someone, therefore wasting their money.

Of course, a paid site would have less traffic, less conversation, and therefore less reason for anyone to be there.

The reality is, the fanboys love the drama. Macrumors loves the fanboys. Fanboys click on links, cause the site's statistics to go up, which causes the advertisers to pay for space on the site, which causes the fanboys to buy product, which just keeps the circle going.

Those who come to simply seek help, get questions answered, etc... well, they're not the obsessive ones clicking on every link seeking someone to discredit, belittle, etc. and therefore not the ones generating the cash flow.

In much the same way, if the television news wasn't written in a way to polarize the people, there would be fewer people watching it, fewer advertisers would buy spots, and the news show would die off in favor of whatever else would draw more viewers, to watch more commercials, to make more money, etc.

Drama is money.

Your argument only applies in the United States where television news is utter crap. Otherwise, see the BBC....or NHK or France 24 (NHK World broadcasts in English and France 24 also has an English broadcast along with French and Arabic if you're so inclined to watch, real, quality news).

 

[TraceyS/FL]

No. The whole point of CurrentC is to cut out the banks and payment card brands.

I know that part, but Target farmed out their cards, both of them, to TD Bank.

Who is the person that is going to set up and process all these new "linked checking account" things? Who will hold that info? Just MCX? Or is there a partner that gets a small part of the pie that is already a bank?

I'm just brain dumping here basically, there are questions that need to be answered - the public should not just say, oh hey, here is my info - I want to use your mobile payment solution.

Currently it is working in conjunction with the TD Bank issued cards with Target. Target continues to offer the 5% off with both cards, even if they don't have them in house these days. So by extrapolation, "some" banks might be good with a small piece of the ACH business because of supposed volume.

Again, just brain dumping.....

 

[iososx]

To save face, Apple will work aggressively to get this behind them. Eventually at some point they'll get it sorted and working as it should. At the least this will be a bit more experience. Had they not made such a big deal out of it to start, the present failure would be viewed differently. As we see here, many Apple enthusiasts don't believe Apple ever make mistakes, that all situations are the fault of others. The victim script is their way of life. Corporations on the other hand deal with real world problems and have intelligent people to help identify the truth. With Apple fully committed, they'll eventually right the ship. No worries.

 

[Tubamajuba]

To save face, Apple will work aggressively to get this behind them. Eventually at some point they'll get it sorted and working as it should. At the least this will be a bit more experience. Had they not made such a big deal out of it to start, the present failure would be viewed differently. As we see here, many Apple enthusiasts don't believe Apple ever make mistakes, that all situations are the fault of others. The victim script is their way of life. Corporations on the other hand deal with real world problems and have intelligent people to help identify the truth. With Apple fully committed, they'll eventually right the ship. No worries.

You always have to include a caricature of Apple fans in every single post you make, don't you?

The truth here is that Apple Pay is neither a success or a failure at this point. The reason why Rite Aid and CVS are choosing to disable NFC (and therefore, Apple Pay) is due to their desire to obtain and store personal information. There is no grand conspiracy here. It has nothing to do with Apple fans. Why do you feel the need to spout such ridiculous crap like the bolded text just because people want to use Apple Pay and don't like that companies are trying to forbid people from using it? Yes, there are jerks talking about things like loading up a shopping cart, trying to pay for it with Apple Pay, and then leaving the stuff at the counter when it doesn't work. People like that do not represent the vast majority of Apple fans. Could you possibly have a broader paintbrush in your canvas?

Sheesh...

 

[iososx]

You always have to include a caricature of Apple fans in every single post you make, don't you?

The truth here is that Apple Pay is neither a success or a failure at this point. The reason why Rite Aid and CVS are choosing to disable NFC (and therefore, Apple Pay) is due to their desire to obtain and store personal information. There is no grand conspiracy here. It has nothing to do with Apple fans. Why do you feel the need to spout such ridiculous crap like the bolded text just because people want to use Apple Pay and don't like that companies are trying to forbid people from using it? Yes, there are jerks talking about things like loading up a shopping cart, trying to pay for it with Apple Pay, and then leaving the stuff at the counter when it doesn't work. People like that do not represent the vast majority of Apple fans. Could you possibly have a broader paintbrush in your canvas?

Sheesh...

Just sharing my observation. Remember you don't have to let it bother you unless you make it a big deal in your mind.

Failure is temporary and something Apple is capable of reversing.

The argument you offer as to why Rite Aide terminated Apple Pay is invalid. They agreed to the terms of service up front, well in advance of implementing the system. Nothing suddenly changed.

Finding the problems with the actual setup and implementation based on Apples approach is likely but one of many real world problems they had no knowledge of till Apple rolled it out.

Smile, relax, it's Apples problem.

 

[Tubamajuba]

Just sharing my observation. Remember you don't have to let it bother you unless you make it a big deal in your mind.

Failure is temporary and something Apple is capable of reversing.

The argument you offer as to why Rite Aide terminated Apple Pay is invalid. They agreed to the terms of service up front, well in advance of implementing the system. Nothing suddenly changed.

Finding the problems with the actual setup and implementation based on Apples approach is likely but one of many real world problems they had no knowledge of till Apple rolled it out.

Smile, relax, it's Apples problem.

It is Apple's problem, but it's also the problem of anyone that wants to use NFC to make payments. And I don't understand what you mean by "problems with the actual setup and implementation" of Apple Pay. All you have to do is support NFC.