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Your office badge, like my bus pass, uses NFC and that is why the :apple: 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.

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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.
All the places you've mentioned other than Safeway here takes NFC payments.
 
When was the last time you actually shopped at staples? Never and half a decade ago are viable answers..

You must live in a place with lots of choices; up here in the wilderness, if you want to go and actually pick up most office supplies, Staples is the place. Only alternative is Amazon Prime 2-day delivery.

Not only that; we have to drive around 45 minutes to get there!
 
MasterCard Nearby

All the places you've mentioned other than Safeway here takes NFC payments.

MasterCard has the free Nearby App which can also tell you where NFC payments are taken.

Other than merchants not accepting it and some quick education for clerks who are first timers. Has anybody who has actually used Apple Pay had a bad experience? For me, it has been slightly quicker and feels so much more secure because of the tokenization.
 
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.

Thanks, I appreciate the follow-up. I thought about this possibility, after remembering that the EMV chip is on physical cards are programmed with acceptable verification methods. Most US EMV cards will be signature-only, although some are signature, then PIN.

Then, I wondered if it was possible to program a card with "no verification", and you've confirmed it. All Apple has to do is program the Passbook app to transmit that to the merchant point-of-sale terminal, and presumably the terminal has to know how to handle it.
 
As a non-Apple data point, American Express cards do not work at Staples but Google Wallet does.
 
How about trying to return it to see if there are any issues here?

I used Google Wallet. I swore off buying anything that might need returned with Google Wallet years ago. Google never put the refund through to my credit card so I had to dispute the charge.
 
Companies decide to accept Apple Pay as a form of payment. Not the other way around. Greg will tell you the same thing when he responds.;)

I emailed kroger requesting them to use apple pay and got this kind reply

"Thank you for contacting Kroger Family of Stores. Today, we have a few stores that have payment terminals that support contactless technology, but the majority of our stores do not have the ability to process Apple Pay or other contactless transactions.



This is a new technology that we are evaluating. As we continue to work towards implementing chip payment card technology, that will provide more security for our customers when paying, new payment terminals will have this functionality and we will evaluate contactless payment options in the future.
"

I think slowly and steadily more stores will join in
 
Sounds like you didn't really need those pens, you just wanted to use Applepay.

Hey I always need pens, they never seem to be around when you need one. Actually put some of those at my office.

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I emailed kroger requesting them to use apple pay and got this kind reply

"Thank you for contacting Kroger Family of Stores. Today, we have a few stores that have payment terminals that support contactless technology, but the majority of our stores do not have the ability to process Apple Pay or other contactless transactions.



This is a new technology that we are evaluating. As we continue to work towards implementing chip payment card technology, that will provide more security for our customers when paying, new payment terminals will have this functionality and we will evaluate contactless payment options in the future.
"

I think slowly and steadily more stores will join in

My Fry's- owned by Kroger got new terminals, the MX915, with NFC enabled.
 
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".

TD Bank (Toronto Dominion) answered my query by saying that they WILL be accepting Apple Pay. If they do it in the USA it's hard to imagine that they won't be doing it in Canada. Hope so; I live right on the border and buy stuff in both countries using my TD Bank cards.
 
TD Bank (Toronto Dominion) answered my query by saying that they WILL be accepting Apple Pay. If they do it in the USA it's hard to imagine that they won't be doing it in Canada. Hope so; I live right on the border and buy stuff in both countries using my TD Bank cards.

Also, TD bank issues the Target REDCards, hopefully this will mean stores with ApplePay!

Yes I realize that Target is a member of MCX, but come on, leave it already, it's owned by the competition, Walmart
 
Some Staples store won't rollout with Apple Pay till January 2015. Staples are behind in getting the new systems upgraded in stores.
 
I went to the Staples near me (Alexandria, VA) yesterday and they did NOT have terminals yet and the employees were clueless.

What kind of terminals were they using? Most Staples has the terminals for many years now, they just switched on contact less payments.

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Some Staples store won't rollout with Apple Pay till January 2015. Staples are behind in getting the new systems upgraded in stores.

This is correct, as the staples I went to didn't just get a new card terminal, but entirely new POS systems, that are black now, rather than beige.
 
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