Huh? Apple Pay will work with loyalty cards this fall, and eventually store credit cards, I'm sure.
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Several Retailers to Begin Testing Apple Pay Rival CurrentC
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Huh? Apple Pay will work with loyalty cards this fall, and eventually store credit cards, I'm sure.
For the "pompous jerk" part, whenever I use my phone, the audience is impressed. With the Watch, the comments are usually, "that's so cool! How do I do that?"
I then take off my watch and hand it to them, and tell them to press the button twice. When prompted for the passcode, I tell them, "that's what's so cool about it. The security."
The key is in the delivery of the information. Self effacing is the best for these kinds of things.
It's not just the Target checking REDcard that gets discounts, the credit card does as well. I have the Target credit REDcard, get 5% off purchases and donations made to my children's school based on my purchase amounts (or any school of your choice).
The 5% from Target is definitely a nice perk, but they are the only business that does that, as far as I know. They are making more profit by not paying fees to the credit card companies. That's the reason they want consumers to use CurrentC. As far as loyalty cards, the Passbook app on the iPhone can handle that.
https://emvacceptedhere.com/(Disclosure: it's my site.) It's based on user contributions and the occasional mass insert of all of a retailer's locations if I see any sort of news article or internal source.
BTW Target should be 100% chip enabled by the 17th if the source that I saw is accurate.
Debit card fraud liability for the cardholder is worse in practice than for credit cards. Sure you'll probably get your money back eventually but it's still your money that went away. This probably won't matter nearly as much once chip becomes more widespread.
If they don't already support chip-enabled cards it's likely they're running Apple Pay just like a normal credit card swipe. Supporting chip cards means they can detect that Touch ID or some other device authentication was used and suppress signature entirely regardless of the amount.
Usually $25-50 depending on the type of card and merchant.
You can steal the physical card, but that's nowhere near a significant problem in the US compared to card cloning. That's why banks aren't bothering with a PIN, at least for now. Since the chip itself protects against counterfeiting regardless of how a cardholder's verified, it's unfair to say that chip and signature provides no benefit at all.
In theory Visa's mandated that ticket machines and the like support chip and signature cards since July 1st. If you've traveled since the end of June I'm surprised you're still having significant problems. Can you tell us where exactly you've had problems since then?
Also my BofA debit card is still chip and signature internationally and at places in the US that don't support debit. If you really feel that you need a PIN I wouldn't rely on that as an option based on what https://www.bankofamerica.com/privacy/faq/emv-chip-card-faq.go says. (Not to mention that there's a 3% fee every time you use it overseas.)
I'd be interested in seeing your source. Send me a link, please.
I'm in the US, and I've yet to come across a chip reader, in any store that has one, that actually works.
This is exactly why Apple Pay is slow to catch on...retailers are completely dragging their asses.
I can't wait for CurrentC! Nothing makes me happier than using my debit card with a convoluted QR code process instead of my rewards-yeilding credit card in Apple Pay.
You must not travel much. Many transit authorities in Europe (especially in Paris, Amsterdam, and London) have refused to take non-chip cards (be it signature or pin) all together. That's a flat out against the terms of being able to take Visa\MC. Does that stop them from doing it? Of course not.
I've been over this with my credit card companies for years. Before they started issuing chip cards I'd request them, and they'd say "we don't have plans to implement... but... anyone who takes Visa\MC is required to accept magnetic swipe cards. If they don't, feel free to have them call us" ... yeah so let me just tell the guy in Paris who is sitting next to a sign that says Cash or EMV card only to call my credit card company in America and let them tell him how he has to run his business. LOL.
Their requirements and reality are two different things. LOL.
That was true in the past, but is it still true as of last month? Should be a simple question if you've traveled since then and attempted to use a chip and signature card in a ticket machine. (BTW from what I hear on another forum a lot of the ticket machines that used to give people hassles no longer do.)
You are making the wrong assumption that retailers would be interested in what is the best solution for the customer. They are not. They want what's the best solution to the retailer. And as a retailer, CurrentC is perfect. Access to customer data, direct access to their bank account, what's not to like...
Walmart near me tried the "scan your own with your phone" feature of their app.
Meh. Key problem: SLOW. Using a phone to scan a barcode (QR included) is SLOW. Dig out phone, push Home, run app (be it "swipe up on Walmart logo on lock screen" or "find & launch app"), tap to start scanner, realize you went to fast, tap to start scanner, point phone at code, wait for camera to focus, done.
That vs iPhone 6: press Home, tap phone on reader.
or vs
Watch: double-press button, hold near reader.
or even vs credit card: swipe, sign.
Regardless of Current-C's other problems, the long scan time alone will cause most to give up on it, esp. in context of running an app.
provides improved security with convenience rivaling swiping a card (better even than "chip" cards which take a while). Current-C just adds complexity; what are they solving?
Meh. Key problem: SLOW. Using a phone to scan a barcode (QR included) is SLOW. Dig out phone, push Home, run app (be it "swipe up on Walmart logo on lock screen" or "find & launch app"), tap to start scanner, realize you went to fast, tap to start scanner, point phone at code, wait for camera to focus, done.
That vs iPhone 6: press Home, tap phone on reader.
or vs
Watch: double-press button, hold near reader.or even vs credit card: swipe, sign.
Regardless of Current-C's other problems, the long scan time alone will cause most to give up on it, esp. in context of running an app.
provides improved security with convenience rivaling swiping a card (better even than "chip" cards which take a while). Current-C just adds complexity; what are they solving?
I dunno, when I travel I only use my chip and pin card. I have a hard time believing anything has changed in the last month that hasn't changed in 10 years.
They seem as bad as Microsoft.
Coming soon, this thing that you can't possibly ever live without on this or any other planet!!!
Stay tuned!
It's going to be good...
Eventually...
And then, out pops Windows 8!
Coming soon, this thing that you can't possibly ever live without on this or any other planet!!!
Stay tuned!
It's going to be good...
Eventually...
And then, out pops Windows 8!
I don't frequent these stores so can't really say. My point is that ANY retailer with chip readers in their stores should have them activated and, from my experience, many are not activating them.
I love Apple Pay on my 6+, however I hate my OtterBox, and am about to rip that flimsy condom off of the whole over the tough sensor. Sometimes it works perfectly, and other times, it works as well as a rock which means using my code...
ARG!!!
ARG!!!
The first place I was "required" to use my chip card was Wal-mart and it was almost a year ago. I went through self checkout with some items I was buying for work. At the time my work card was the only one I had with an EMV chip as I travel internationally occasionally. I swiped it out of habit and the machine somehow knew that the card had a chip in it, so it required me to insert the card instead. I think many retailers may have had their terminals turned off as not many consumers had chipped cards yet. I expect that soon more and more will require insertion of the cards.
Next time try another card at a ticket machine and see how that goes. You may be surprised.
Other possible reasons:
1. There is some technical/regulatory problem preventing them from doing so. Not having the right approvals or their merchant provider simply doesn't have the needed software.
2. They don't want to make the customer experience worse unless absolutely necessary (e.g. after October 1st). Because it does make card transactions significantly longer.
We'll see how many fall under #2 in a couple of months.
Target, at least here, just went to the chip card system, although their chip readers are a PITA! If you use a chip card by swiping, it obnoxiously beeps at you, and if you don't take the card out the moment it tells you to, you get another obnoxious beep! i asked, and they said that they hoped to get Apple Pay, but had no idea.
That does sound like a PITA but, honestly, I'd take the security over the inconvenience any time of the day.