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Rite Aid Disables Apple Pay Support After Initially Accepting Payments
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Awesome! Though I'm not quite sure CurrentC MANDATES refusal of contactless. After all, Meijer is an Apple Pay official partner. But every other CurrentC merchant has now disabled contactless... so they're definitely ENCOURAGING it.
I agree with that. But- Not many businesses outside of big box stores will accept nfc payments for years to come. Namely restaurants. Can't see that ever happening.
Also- I use an Amex card primarily. If that number gets stolen they are incredibly good at catching fraud and I've never had an issue when my card number's been taken.
It was stated by other posters that the MCX customer agreement mandates it. Meijer seems to be a notable exception....will be interesting to see if they left MCX or perhaps just decided to violate the agreement.
In any case I found an email address for MCX on www.mcx.com and sent this note to info@mcx.com Perhaps others may want to do the same or similar.
*******
I find your move to coerce all of your member companies to refuse ApplePay to be very much anti-consumer. I would have also been willing to evaluate your product when it goes live next year. However this move is making me strongly reconsider any support of the consortium of companies that make up MCX.
It appears that Target's RedCard may actually be one of your first initiatives. I will be contacting Target shortly to cancel my RedCard and I will let them know why.
I am all for competition, and I think the consumer should be able to make their own choice. MCX mandating that CVS and RiteAid disable all NFC payments because of ApplePay's likely high uptake rate is anti consumer choice. So I will make my choice against your product and consortium of companies before even evaluating your product.
Regards,
BruiserB
Sent from my iPhone
Didn't Target just have a major credit card data breach lately? You'd think they'd be all over Apple Pay. Not being a victim of credit fraud is huge deal to me (and should be to every one), so over time my purchases will migrate towards sellers who support Apple Pay.
Interestingly enough the RedCard account info is the one thing that wasn't stolen. I think my name/address/email was potentially compromised, but not the actual account/ACH info.
Never even heard of Rite Aid before until now.
There's CVS and Walgreens where I live and I guess I'll be going to Walgreens more now since CVS doesn't accept Apple Pay.
There's CVS and Walgreens where I live and I guess I'll be going to Walgreens more now since CVS doesn't accept Apple Pay.
Targets wants your data, they want your data to expose it to criminals.
All of these comoanies and MCX have shown their true nature as consumer hostile.
Criminals aside, they want to monetize our data by selling our spending habits. I put up with it with Supermarket rewards cards because they make everything too expensive if you don't use the rewards card, but it's just plain creepy.
A good example is supermarkets exposing someone's alcohol purchases for litigation purposes. There was a case in Texas where one chain was able to report exactly how many bottles of vodka someone had purchased over a 15 month period.
There was another case where Target send an ad filled with baby's clothe to a father. Turns out his daughter got pregnant and Target figured that out before her father.
http://www.forbes.com/sites/kashmir...teen-girl-was-pregnant-before-her-father-did/
Same thing with Amazon will be able to ship and deliver items because it can predict what you will buy even before you buy them. I think I read an article about that too.
I don't. But sometimes doing it is the only way to expose a major flaw. And if there are major flaws in this system the public needs to see that now, rather than when this thing has legs and way more information to be stolen
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In about a year they basically will be required. After Oct 2015 there will be no insurance for fraud for swipe card transactions. Especially for shoos using NFC capable gear but don't use NFC for transactions.
Since fraud charge backs can get really expensive, most retailers will have the tech in place by then. Folks pissed about the privacy concerns with this system will be swiping etc.
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MasterCard, Visa and AMEX all support Apple Pay. That and an NFC capable terminal are all that is needed.
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Or not. Apple gets a cut of the same fee the merchants pay now. Not an additional fee. Basically the banks feel that this system will encourage more secure transactions, less fraud charge backs (which cost them a ton every year) and so on. So it's worth it to give Apple a cut of what they collect
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Not true. My Gap card is not any of those. Which is why it only works at Gap inc stores
Two weeks. That is how long will last. Even if Riteaid and all have been forced to abandon apple pay. The money needs to come from somewhere. And in cities where there is a drugstore on any corner and iPhones in abundance, I wreckon people will choose ease and privacy over brand any time.
Say that us choosing constitutes a 10% change (which I believe to be moderate considering its apple and Google) how long do you think it will take Riteaid to budge?
Say that us choosing constitutes a 10% change (which I believe to be moderate considering its apple and Google) how long do you think it will take Riteaid to budge?
Rite Aid Disables Apple Pay Support After Initially Accepting Payments
The trolls are right that iPhone users would never force a 10% change in purchases at a retailer. However, it doesn't take a 10% change to get results. If the stores see a 0.1% change that they can attribute to this MCX/ApplePay fiasco, they will be flip flopping in no time.
I'm guessing there will be some statement from MCX saying that the retailers misinterpreted their T&C's and that they never intended to stop ApplePay....and that they are willing to allow both systems to exist side by side and let the consumers decide.
Then that will be the last we hear of MCX.....CurrentC will never launch.
The trolls are right that iPhone users would never force a 10% change in purchases at a retailer. However, it doesn't take a 10% change to get results. If the stores see a 0.1% change that they can attribute to this MCX/ApplePay fiasco, they will be flip flopping in no time.
I'm guessing there will be some statement from MCX saying that the retailers misinterpreted their T&C's and that they never intended to stop ApplePay....and that they are willing to allow both systems to exist side by side and let the consumers decide.
Then that will be the last we hear of MCX.....CurrentC will never launch.
They might not care about a 0.1% drop in iPhone/Apple Pay users if 0.1% end up using CurrentC and save them the swipe fees. I don't think they'll flip-flop until after CurrentC's released.
It'll probably be longer than that. Christmas season, when the next wave of Google/Windows NFC and iOS Apple Pay phones get in the hands of consumers. If Apple (and hopefully, Google and Microsoft) push ads showing people paying, easily, with their phones, and some places accept NFC payments and others don't, the pressure will be on for the MCX supporting merchants to show some kind of progress to their stockholders.
MCX isn't out yet, with an estimated outing of sometime in the first half of 2015. That is a lot of time, both for Windows, Android, and iOS phone users to create some serious perception problems in the media, and for the MCX group to sweat out another major data breach connected to one of their members. And if the MCX standard gets delayed, members (and their stock holders) are going to wonder if it'll be out before the October deadline.
MCX could have done more damage to Visa/MC without the PR hit if they played the long game.
1. Don't turn off NFC/Apple Pay/Google Wallet.
2. Institute a $5 minimum for credit/debit card/NFC use. Issue a press release right before you do it extolling how the minimum will "improve the customer experience" and all sorts of other PR buzzwords.
3. One year later, quietly increase it to $10 (maximum allowed under Dodd-Frank). Permit transactions under $10 if the customer uses CurrentC.
CurrentC might still flop if they did that, but MCX probably had a good chance at permanently changing customer behavior by doing the above. Remember, they're supposedly responsible for a quarter of US retail spending and if people start using cash for small purchases at Walmart, they'll do it for other businesses too. Even a 5% decline in revenue will make Visa notice and they'll deal with the MCX members. Instead, CVS and Rite-Aid are taking a beating in the press right now and people are realizing how much of a security and privacy nightmare CurrentC actually is.
1. Don't turn off NFC/Apple Pay/Google Wallet.
2. Institute a $5 minimum for credit/debit card/NFC use. Issue a press release right before you do it extolling how the minimum will "improve the customer experience" and all sorts of other PR buzzwords.
3. One year later, quietly increase it to $10 (maximum allowed under Dodd-Frank). Permit transactions under $10 if the customer uses CurrentC.
CurrentC might still flop if they did that, but MCX probably had a good chance at permanently changing customer behavior by doing the above. Remember, they're supposedly responsible for a quarter of US retail spending and if people start using cash for small purchases at Walmart, they'll do it for other businesses too. Even a 5% decline in revenue will make Visa notice and they'll deal with the MCX members. Instead, CVS and Rite-Aid are taking a beating in the press right now and people are realizing how much of a security and privacy nightmare CurrentC actually is.
Rite Aid and CVS are just plain Stupid
They have the right to accept or not accept whatever forms of payment they want. Maybe they can start taking drachmas so Jeannie will shop there. Personally, I think it is Stupid to p___ off iPhone owners who are high demographic customers. CurrentC is a total loser and will be DOA. I for one will be doing business at Walgreens my new favorite pharmacy.
They have the right to accept or not accept whatever forms of payment they want. Maybe they can start taking drachmas so Jeannie will shop there. Personally, I think it is Stupid to p___ off iPhone owners who are high demographic customers. CurrentC is a total loser and will be DOA. I for one will be doing business at Walgreens my new favorite pharmacy.