StuMcBill

macrumors 6502a
Original poster
Jul 11, 2011
645
82
Aberdeen, Scotland
Just wondering, say for example I have an NFC enabled credit card in the MagSafe wallet, and I’m trying to pay with Apple Pay, what’s to say that the card in the MagSafe wallet won’t process the transaction first? I presume it’s shielded somehow.

Stu
 
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Sam in SoCal

macrumors 6502a
Oct 13, 2019
762
1,031
I got my first NFC enabled debit card last month and I’ve been using it recently and I find it way faster and easier just to wave my card over the terminal and ding!, instant processing and approval. But it’s not secure at all because you don’t have to unlock it. anyone with your card could just wave it over a terminal. But I like it so far. With Apple Pay you have to unlock your phone using face ID and in today’s times the NFC enabled cards are just the better option. Not one retailer has asked to see my I.d. I see this killing Apple Pay at least when it comes to in person transactions in public. What do you guys think?
 
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ericwn

macrumors G3
Apr 24, 2016
8,559
5,930
I got my first NFC enabled debit card last month and I’ve been using it recently and I find it way faster and easier just to wave my card over the terminal and ding!, instant processing and approval. But it’s not secure at all because you don’t have to unlock it. anyone with your card could just wave it over a terminal. But I like it so far. With Apple Pay you have to unlock your phone using face ID and in today’s times the NFC enabled cards are just the better option. Not one retailer has asked to see my I.d. I see this killing Apple Pay at least when it comes to in person transactions in public. What do you guys think?

It might be a slowdown for Apple Pay if those cards remain popular.

Coming back to the topic of the thread: I’m also curious to know what happens in such a scenario.
 

buckethead

macrumors member
Oct 20, 2008
80
44
I got my first NFC enabled debit card last month and I’ve been using it recently and I find it way faster and easier just to wave my card over the terminal and ding!, instant processing and approval. But it’s not secure at all because you don’t have to unlock it. anyone with your card could just wave it over a terminal. But I like it so far. With Apple Pay you have to unlock your phone using face ID and in today’s times the NFC enabled cards are just the better option. Not one retailer has asked to see my I.d. I see this killing Apple Pay at least when it comes to in person transactions in public. What do you guys think?
Our everyday use credit card has this - I still use ApplePay for everything. I really enjoy ApplePay on the web through Safari as well.

Last thing I want to do is dig a card out of my wallet - I have to do this at Costco for my membership/credit card and honestly would be easier to use phone for everything.
 

Apple_Robert

Contributor
Sep 21, 2012
27,907
34,602
In the middle of several books.
Our everyday use credit card has this - I still use ApplePay for everything. I really enjoy ApplePay on the web through Safari as well.

Last thing I want to do is dig a card out of my wallet - I have to do this at Costco for my membership/credit card and honestly would be easier to use phone for everything.
In regards to the Costco card, considering using the app Stocard. That way, you can use your phone or watch as your Costco card.
 
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buckethead

macrumors member
Oct 20, 2008
80
44
In regards to the Costco card, considering using the app Stocard. That way, you can use your phone or watch as your Costco card.
The Costco app has our membership card in it as well. Next trip I’ll have to try using it. Just so used to getting card out to get in the door and again at the register..
 

AXone1814

macrumors regular
Oct 16, 2018
176
238
I got my first NFC enabled debit card last month and I’ve been using it recently and I find it way faster and easier just to wave my card over the terminal and ding!, instant processing and approval. But it’s not secure at all because you don’t have to unlock it. anyone with your card could just wave it over a terminal. But I like it so far. With Apple Pay you have to unlock your phone using face ID and in today’s times the NFC enabled cards are just the better option. Not one retailer has asked to see my I.d. I see this killing Apple Pay at least when it comes to in person transactions in public. What do you guys think?
Where are you based? I'm in the UK and we've contactless cards for longer than I can remember now, they were commonplace way before Apple Pay came long.

I prefer Apple Pay as it means I can leave my cards at home as no need to carry them alongside my phone which I'll have with me anyway. Apple Watch takes away the 'hassle' of having to unlock and authorise your phone too.
 

Mr.C

macrumors 601
Apr 3, 2011
4,726
788
London, UK.
Where are you based? I'm in the UK and we've contactless cards for longer than I can remember now, they were commonplace way before Apple Pay came long.

I prefer Apple Pay as it means I can leave my cards at home as no need to carry them alongside my phone which I'll have with me anyway. Apple Watch takes away the 'hassle' of having to unlock and authorise your phone too.

Same here. I’m in the U.K. to. Although I still carry my wallet with my cards.
 

magicman32

macrumors regular
Dec 25, 2007
197
274
Where are you based? I'm in the UK and we've contactless cards for longer than I can remember now, they were commonplace way before Apple Pay came long.

I prefer Apple Pay as it means I can leave my cards at home as no need to carry them alongside my phone which I'll have with me anyway. Apple Watch takes away the 'hassle' of having to unlock and authorise your phone too.

I‘m the US along with, I assume, him. They aren't in widespread usage here at all. The US has always been behind things like this including just basic chip cards.

I use Apple/Google pay everywhere I can unless it’s a very small under 10 dollar purchase.
 

flur

macrumors 68020
Nov 12, 2012
2,244
975
I‘m the US along with, I assume, him. They aren't in widespread usage here at all. The US has always been behind things like this including just basic chip cards.
I’ve had NFC on my Capital One card for several years. I’m pretty sure my Citibank card has it as well. The card companies have been rolling it out in the US and not making a big deal about it. I think most Americans would be shocked if they simply looked at their cards to discover they already have it.

I think I’ve used it twice. No reason to as I have Apple Pay on my watch.
 

magicman32

macrumors regular
Dec 25, 2007
197
274
I’ve had NFC on my Capital One card for several years. I’m pretty sure my Citibank card has it as well. The card companies have been rolling it out in the US and not making a big deal about it. I think most Americans would be shocked if they simply looked at their cards to discover they already have it.

I think I’ve used it twice. No reason to as I have Apple Pay on my watch.

Capital One, Chase, Ocean First all got chip cards in just the last few years for me. None have NFC capability.

And I agree, rather use my phone anyway so I really don’t care. Just found it interesting.
 

Feisar

macrumors regular
Aug 16, 2010
187
417
Not just credit cards, it’s also convenient for company IDs when you have to “badge” in, but then it’ll be while before most enter their company HQs or offices again.
 
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Supermallet

macrumors 65816
Sep 19, 2014
1,465
882
I got my first NFC enabled debit card last month and I’ve been using it recently and I find it way faster and easier just to wave my card over the terminal and ding!, instant processing and approval. But it’s not secure at all because you don’t have to unlock it. anyone with your card could just wave it over a terminal. But I like it so far. With Apple Pay you have to unlock your phone using face ID and in today’s times the NFC enabled cards are just the better option. Not one retailer has asked to see my I.d. I see this killing Apple Pay at least when it comes to in person transactions in public. What do you guys think?

At this moment NFC enabled cards are more convenient than Apple Pay on FaceID phones because of the pandemic and masks, but in almost every other scenario Apple Pay is still more convenient and always more secure because Apple Pay uses unique one time identifiers instead of your actual card number for each transaction.

If you have an Apple Watch, that’s more convenient than either the phone or the card, and retains all the security features of Apple Pay. If you have a phone with TouchID, that’s more convenient and safe than an NFC card. Once the pandemic ends FaceID will be more convenient again, and/or Apple may reintroduce TouchID as an option in future phones.

Plus having worked in retail, I cannot tell you how often people forget to bring the physical card they want to use and end up using that card through mobile pay instead. Or they’re out running without a wallet, etc.
 

Mr.C

macrumors 601
Apr 3, 2011
4,726
788
London, UK.
At this moment NFC enabled cards are more convenient than Apple Pay on FaceID phones because of the pandemic and masks, but in almost every other scenario Apple Pay is still more convenient and always more secure because Apple Pay uses unique one time identifiers instead of your actual card number for each transaction.

If you have an Apple Watch, that’s more convenient than either the phone or the card, and retains all the security features of Apple Pay. If you have a phone with TouchID, that’s more convenient and safe than an NFC card. Once the pandemic ends FaceID will be more convenient again, and/or Apple may reintroduce TouchID as an option in future phones.

Plus having worked in retail, I cannot tell you how often people forget to bring the physical card they want to use and end up using that card through mobile pay instead. Or they’re out running without a wallet, etc.

Yes I’m glad I have an Apple Watch as that makes paying very easy as I don‘t have to rely on Face ID. That said I would never willingly go back to Touch ID now.
 

Supermallet

macrumors 65816
Sep 19, 2014
1,465
882
Yes I’m glad I have an Apple Watch as that makes paying very easy as I don‘t have to rely on Face ID. That said I would never willingly go back to Touch ID now.

To be clear, I think if Apple were to reintroduce TouchID into phones, it would look like the power button TouchID in the new iPad Air, and it would be in addition to FaceID. In a world where face masks are common, Apple either needs to figure out a way to make FaceID responsive to masks, or they need a way to allow for a biometric unlock that doesn’t involve face scanning.
 

UltraInstinct

macrumors 68030
Feb 6, 2013
2,707
1,686
United Kingdom
To be clear, I think if Apple were to reintroduce TouchID into phones, it would look like the power button TouchID in the new iPad Air, and it would be in addition to FaceID. In a world where face masks are common, Apple either needs to figure out a way to make FaceID responsive to masks, or they need a way to allow for a biometric unlock that doesn’t involve face scanning.
I was really hoping for power button Touch ID like the new iPad Air.
 

flur

macrumors 68020
Nov 12, 2012
2,244
975
Capital One, Chase, Ocean First all got chip cards in just the last few years for me. None have NFC capability
Are you in the US? I can’t imagine Capital One would put it on only some cards. I’d guess I’ve had it on my Venture card for about 3 years? Definitely for at least 2. I just checked my Citibank card and it has it as well. Have you had your cards a long time?

FWIW, neither company told me about it. I just needed a new card and the new card had the symbol. The only way I even knew for sure was that I tried it and it worked.
 
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