I know, though the person I quoted said Apple Pay needed to work at Jamba for it to be of use to him, yet it does so I was just pointing that out.
Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Staples Begins Accepting Apple Pay in Retail Stores
- Thread starter MacRumors
- Start date
- Sort by reaction score
I know, though the person I quoted said Apple Pay needed to work at Jamba for it to be of use to him, yet it does so I was just pointing that out.
Okay, let's look at this list:
1. Costco should be an easy one if they wanted to, they just got Verifone MX 915 terminals with built-in contactless, it just needs enabled.
2. Jamba Juice should work fine
3. Best Buy would be as easy as Costco, but less likely since they're part of MCX.
4. Taco Bell and Wendy's are up to the franchise owners, I believe. Both have contactless-enabled locations, though I'm not sure if Wendy's owners have had to turn theirs off because Wendy's is part of MCX.
5. Restaurants - this is tricky because it'll involve bringing a terminal to the table to support contactless. Harbortouch is playing with in-app Apple Pay with QR codes. I'm not a fan of that idea. Actual contactless needs wireless contactless terminals. These are common in other countries but would require a major shift in thought in the US. They may come if more banks decide to issue chip-and-PIN cards, however, as restaurants get sick of taking people to the host station to enter their PIN.
P.S. I'm not sure why you want Apple to stop accepting Apple Pay anywhere - again it's just contactless and ubiquity is key, even if you consider the places lame (and they're not all lame...)
Last edited:
Am I the only one who thinks using a contactless card is quicker - and never runs out of battery?
Thanks to the folks here, I was able to track down a replacement AMEX card that comes with Chipset + Contactless.
I am also re-ordering my Chase Freedom Visa with Blink.
With these cards, I take them out of my pocket, and wave over. done. No friction with fingerprint...and I save $649 to boot!!
It's not as secure and just like NFC, not all places accept it.
Not as secure, while technically true, is a stretch. In theory, the Apple Pay token should NEVER be accepted if presented in an environment other than Apple Pay contactless (where it must be paired with the transaction code) or Apple Pay in-app purchasing (its own arrangement with the banks).
Meanwhile, a contactless card can't be accepted CONTACTLESS without the transaction code, and can't be used to make a working counterfeit card. However, the PAN and Expiry Date COULD be used in a card not present environment:
IFF the merchant does not check the CVV2 (or network equivalent)
AND the merchant does not verify the address with address verification service
AND the merchant does not check the name on the card (the real name is not provided on the contactless interface)
AND the merchant does not use 3-D secure (IFF the card supports 3-D secure)
THEN skimmed/breached contactless data can be used
It's been years since I've seen a merchant require none of these elements for a card transaction, thus, I find it difficult to say Apple Pay is more secure in real use.
A contactless card is much more secure than a magnetic stripe card (which can be easily cloned), and is similar to EMV (there are varying levels of security with both contactless and EMV - contactless has the advantage of not providing the real name, but EMV is a bit harder to read - not that that matters anymore with mass breaches of payment systems. No one is trying to skim individual cards these days. So it comes down to the level of security on the card, which varies widely but all can be considered very secure).
In my use case it completely depends.
1. Take phone out and and authorise in one movement, pocket phone
2. Take wallet out, take card out, wave and pay, replace card, pocket the wallet.
It's marginal, IMO.
With these cards, I take them out of my pocket, and wave over. done. No friction with fingerprint...and I save $649 to boot!!
Once I pay for something above £20 I have to enter my 4 digit PIN. Which certainly takes longer than NFC payment. Not sure if you have the same contactless limits.
But more importantly speed is not the main benefit of Apple Pay. But because it's safer. No potential cloning of cards, there's easy remote Apple Pay disabling if your phone is stolen, no crummy 4 digit PIN that can be copied easily. And it's more private in terms of the data being sent to retailers.
Personally I can't wait until my card is nothing but a backup to my phone based payment.
Staples lost my business long ago, when they replaced genuine brand name merchandise with Staples-branded facsimiles.
I find these titles so misleading.
They should all read "Retailer ABC now accepting NFC payments".
It's more dependent on the issuer of your credit card. Take for example us in Canada, there's NFC terminals effing everywhere! But no banks support Apple Pay (bastards).
So once the issuers do support Apple Pay, essentially every store in Canada "will now be accepting Apple Pay".
They should all read "Retailer ABC now accepting NFC payments".
It's more dependent on the issuer of your credit card. Take for example us in Canada, there's NFC terminals effing everywhere! But no banks support Apple Pay (bastards).
So once the issuers do support Apple Pay, essentially every store in Canada "will now be accepting Apple Pay".
The DC Metro system is testing different payment systems now, and I can't help to think that Apple Pay would not be part of their test. Would be perfect for some one like myself that doesn't use Metro all that often.
How many people will now stop shopping at OfficeMax and Office Depot?
Why would they need to? Those take Apple Pay too
----------
Not just Metro, but WMATA as a whole.
----------
The whole thing is misleading, these retailers have been taking NFC for quite some time, Apple pretty much just got it renamed Apple Pay
Just curious, to those who are boycotting any store that doesn't allow Apple Pay/NFC payments, which stores are you going to be doing your Black Friday shopping at. Staples is definitely one of them. Will there be exceptions if the deal was good enough, say at the "evil" Best Buy, Walmart, or Amazon..
People should boycott Black Friday as a whole. I heard Target wants to open at 6PM on Thanksgiving! No time for Emoloyees....erm...Team Members to enjoy the holiday.
I'm fine with that too. I miss the good old days of waiting in line at 3 AM in morning outside in the cold New England weather and watching people setting up their tents..hah.
Yes and no.
But they are now taking Apple Pay online for purchases - and that isn't generic NFC.
I also want to point out that autocorrect was DEFINITELY not fixed in 8.1, that should have read employees, and emoloyees isn't even a word. Come on Apple!
Just used it at Staples with no issues, bought a pack of 18 pens for $3, not a bad purchase as I could always use them
At some point, the authorization process may include a response from the issuing bank that says: "no, you don't need to collect a signature" fromPay users. For that matter, the process may already support it: anyone familiar with the nuts and bolts of authorization?
Once the US has finished rolling out chip card terminals (EMV contact chips (i.e. chip and pin/sign, not just contactless) the device will be able to tell the terminal what cardholder verification the device/card can support. The most probably thing the terminal will do is tell the terminal that the only verification method it supports is No CVM (no cardholder verification), so the transaction will go through without any verification on the terminal.
Reclusive, I thought there was a $50 limit on No CVM? So if Apple Pay said it only supported No CVM, wouldn't the transaction get declined?
That only applies to cards that support signature as the primary method of authorisation (i.e. all swipe and sign cards (Or chip cards that are swiped on a non-emv terminal) and chip and signature cards). If the card or device is telling the terminal that the only verification it supports is NO CVM then it will process as such. You'll see a similar situation if you were to use a chip and signature card at a UK petrol pump for example, you could fill up £99 but no cardholder authentication will have taken place as the terminal will only support Offline PIN (PIN that is encrypted on the chip itself) and No CVM. The fact that the NO CVM limit is only £20 doesn't apply as there is no other way to process the transaction.
There is another CVM that is slowly being implemented called On-device cardholder authentication but this isn't supported by a lot of older EMV contactless terminal. AEIPS (American Express' EMV protocol) doesn't current support on device cvm either. Either method is suitable. The issuer will know the transaction came from an iPhone and that it was authenticated by PIN, so will approve it.
Your Office Badge uses NFC
Pay logo probably comes up.
In the future, it would be nice if you could program your phone to be your badge or your bus pass. It would make my wallet even thinner.
It's interesting to see the merchants and how competition is driving adoption of Apple Pay. Office Depot leads to Staples, PetCo leads to PetSmart. Hopefully, Whole Foods will lead to Safeway, etc. Chevron/Texaco will lead to BP and ExxonMobil.
Merchants don't want to be responsible for your security. Look at the damage to Target, Neiman Marcus, Home Depot, etc. And they need to upgrade for the Chip and Pin rollout anyway. So the big merchants will I think be quick to adopt. The smaller merchants are the one will take some time.
The iPhone/iPad Apps allowing payment through Apple Pay are the real growth opportunity. Your phone can become a secure payment center.
----------
Target App: Books, Videos, Kitchen, Gift Cards for Brick and Mortar
Macy's, BloomingDales: High End clothing, Kitchen
Apple Store: (Interesting when you use Apple Pay at Apple Store they don't know your email address to send receipt as they did with swipers).
PetCo, PetSmart
Sports Authority: Sporting Goods
In addition to many NFC retailers.
I don't think the Deal can be good enough. What makes the security at Best Buy, Walmart, KMart, Sears, JC Penney any better than Home Depot or Target or Neiman Marcus. Yes they have seen one sort of attack but swiped credit cards are extremely vulnerable because they store all of the information in the card.
Your office badge, like my bus pass, uses NFC and that is why the
Pay logo probably comes up.In the future, it would be nice if you could program your phone to be your badge or your bus pass. It would make my wallet even thinner.
It's interesting to see the merchants and how competition is driving adoption of Apple Pay. Office Depot leads to Staples, PetCo leads to PetSmart. Hopefully, Whole Foods will lead to Safeway, etc. Chevron/Texaco will lead to BP and ExxonMobil.
Merchants don't want to be responsible for your security. Look at the damage to Target, Neiman Marcus, Home Depot, etc. And they need to upgrade for the Chip and Pin rollout anyway. So the big merchants will I think be quick to adopt. The smaller merchants are the one will take some time.
The iPhone/iPad Apps allowing payment through Apple Pay are the real growth opportunity. Your phone can become a secure payment center.
----------
Toys R Us, Babies R Us: Toys Games
Target App: Books, Videos, Kitchen, Gift Cards for Brick and Mortar
Macy's, BloomingDales: High End clothing, Kitchen
Apple Store: (Interesting when you use Apple Pay at Apple Store they don't know your email address to send receipt as they did with swipers).
PetCo, PetSmart
Sports Authority: Sporting Goods
In addition to many NFC retailers.
I don't think the Deal can be good enough. What makes the security at Best Buy, Walmart, KMart, Sears, JC Penney any better than Home Depot or Target or Neiman Marcus. Yes they have seen one sort of attack but swiped credit cards are extremely vulnerable because they store all of the information in the card.