I know for myself I won't support stores who don't have Apple Pay. I will literally stop in my tracks and look for somewhere else that supports Apple Pay.
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Starbucks' In-Store Mobile Payments Estimated to Be More Popular Than Apple Pay in U.S.
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I am in the U.S. I use Apple Pay whenever I can. Most of the time it is a smooth and very efficient operation with either phone or watch. Some merchants, however, still require you to sign the receipt after paying through Apply Pay, which eliminates all productivity benefit (especially compared to chip cards that take forever to execute a payment transaction).
The other reason I like to use Apple Pay over my credit card, is that the transaction itself is secure, i.e. no credit card information stays with the merchant (at least that is what I understand).
The other reason I like to use Apple Pay over my credit card, is that the transaction itself is secure, i.e. no credit card information stays with the merchant (at least that is what I understand).
??????? How about keeping five dollars in your wallet to pay for your coffee....how long does it take?
You can set up auto-reload (i.e. it automatically adds an amount of your choice when the balance falls below a certain amount). That way you don't have to reload and still get the rewards. But even manual reloading with Apple Pay is super-easy since it takes just a few taps.I can't believe it's so popular. I hate the way it works, having to reload a gift card. I'd much rather just use a debit/credit card on file. Oh well, I guess I'm too old.
The app can load the Starbucks card into Apple Wallet. That way you can easily bring it up with a double-click from the lock screen without ever opening the app. You can even show the barcode on the Apple Watch.
You can actually use Apple Pay at many (most?) Starbucks stores.
What you're describing is more akin to making a deposit, not a purchase. Either way, I seriously doubt they are tracking what people use to load up a Starbucks card. It would be kind of useless info.
If you read the fine print you will see that using Apple Pay usually gives the exact same benefits as using the actual card. However you do not get the same benefits when using the same card with other mobile payments such as Android Pay, Samsung Pay, etc. I don’t know if credit card companies have more confidence in Apple or what.
In a way, it's easier to use in the UK since you can use for many more restaurants. In the UK, they give the user access to the CC payment machine so there is much more likely a chance to use mobile (NFC) payment. In the US, at a sit-down restaurant, they take the card and swipe it elsewhere, so no mobile (NFC) payment system can work. And at many other places, the card reader is not customer accessible as well (built into the register so only the cashier has access), so again, no NFC payments. I certainly enjoyed that I could use Apple Pay in the UK.
It does show that there is more to mobile payments than just making the purchase. Starbucks has a point system in addition. Interesting that Starbucks supports Apple Pay in terms of recharging your Starbucks account.
Apple Pay needs to be updated with these kind of things in mind.
Apple Pay needs to be updated with these kind of things in mind.
Shrug. I reload the app with about $25 each month. That $25 is not going to generate a lot of interest for either party. And since I reload via a gift card from the grocery store, I get 2-4x fuel points and 6% cash back on the credit card, I get a little something back when I give SBUX my money.
Yea think of the gains they could be making on that $20. I mean, how much does any one person keep on their Starbucks card at a time?
It makes their prices a little more palatable so it's well worth it to me, although I visit only 2 or 3 times a month.
A. If apple gave you free Frappuccinos after earning 125 points on Apple Pay, they'd pick up.
B. Maybe part of it is I can't use Apple Pay in Starbucks to refill the app because the insecure WiFi makes Apple Pay say, "Here, are you nuts?" and shut down. Same thing with checking my bank balance. Siri says, "Boss, don't be stupid."
B. Maybe part of it is I can't use Apple Pay in Starbucks to refill the app because the insecure WiFi makes Apple Pay say, "Here, are you nuts?" and shut down. Same thing with checking my bank balance. Siri says, "Boss, don't be stupid."
And that's why real science is based on many real data points as opposed to what one person thinks the numbers should be.
I disagree.
Yes... I still have to "pull something out"... but to me it's much simpler to use Apple Pay.
With a card... depending on the store... first you have to determine whether you insert the card using the chip... or swipe it old-school style.
Then you get quizzed by various questions that popup on the screen:
"Debit or Credit?"
"Is this a debit card?"
"Is the total correct?"
"Amount OK? Yes/No"
So there are a couple button-presses there.
Then you input your PIN and press OK.... so that's another 5 button-presses.
And that's while you're holding your wallet in one hand and using your other hand to actually use the card.
It takes two hands to use a card.
But with Apple Pay... I pull my phone out of my pocket... thumb already on the home button... activate Apple Pay with that same button... and keep my thumb there to authenticate with TouchID. It's one simple movement.
I only use one hand and one thumb to pay with Apple Pay.
I don't even touch the card reader when I use Apple Pay.
To be clear... I'm not saying it's some kind of hardship to use a debit card with a card reader. We've been doing it for years.
But Apple Pay takes much fewer steps. I don't have to type a PIN and press a bunch of buttons to answer a bunch of questions that vary by store.
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JCPenney takes it. Or well, is supposed to anyway.
Yep. In fact, most merchants in the US (especially smaller ones) absolutely hate accepting cards at all and aren't going to do more work than absolutely necessary. I don't think Apple Pay will ever be usable at 100% of locations simply because of this--at least not in the short to medium term.
Maybe if there's a significant discount on interchange for contactless transactions or something. Say, 1% instead of 3%. I bet Walmart turns it on tomorrow if that were to happen. (Or maybe not, but it's interesting to think about.)
What a bizarre way of describing using the Starbucks system. It's a reloadable gift-card, with an associated app that displays the gift card's barcode. That's it. Is every reloadable gift card with a barcode that can be displayed on a phone now an "in-store mobile payment system"? We might as well be discussing Applebees' "in-store mobile payment system." (Assuming Applebees had a reloadable gift-card, and an app that could display the card's barcode, which I don't believe they do, but I'm just using them for illustrative purposes.)
I use Apple Pay pretty much exclusively here in the UK. But one place I don't use it is Starbucks. Because if you pay using their app you earn stars towards free drinks and "gold" status.
There's also an incentive to break up your transaction into multiple payments (when ordering multiple items) because then you get more stars
[doublepost=1527016585][/doublepost]
Err, there's a lot more to it than that. There's a whole rewards programme with freebies and elite status and everything. And you can actually order through the app, too, skipping the line at the store or having your order ready and waiting before you arrive.
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I agree, Apple Pay is simpler than a contactless credit card. If only because its quicker to pull my phone out of my pocket than to pull out my wallet, open said wallet, flick through cards to find the right one, etc.
Apple Pay used to be slightly annoying with the old Touch ID, but now with Face ID its extremely quick and painless.
That’s changed quick here in AZ. NFC is just about everywhere and they’re installing it on busses! And trains too!
That's fine. And I don't discounts differences in opinion. However not everyone lives in the US and the moment I can't ubiquitously use Apple Pay (or any other payment service) as much as I can with credit card it's a situation where I must always have an alternate form of payment because I will *NEED* that alternate form of payment. I can ubiquitously use a credit card in the reverse.
It is definitely faster than the new chip card readers. But more importantly (for me) it's more secure due to the dynamic security codes, and provides more privacy since the retailer doesn't see your name or real credit card number, which makes it harder for them to track you.
I agree it would help adoption. But some banks have been offering rewards for using Apple Pay (e.g. in the last quarter the Chase Freedom card gave 5% cashback on all Apple Pay transactions).
Well, that's easy. The value of the points > the value of the interest. They have at most $25 of my money at any given time. Let's say they earn 4% on that, which is way more than I'd get with it sitting in my checking account. That's $1/year. Just going every now and then I can easily earn $10+ in rewards from points / year, so it makes sense.
Of course.
My point was about simplicity.
If you had the choice between using a credit card or Apple Pay... the credit card requires many button presses and answering a bunch of questions.
And two hands.
I use Apple Pay pretty much exclusively here in the UK. But one place I don't use it is Starbucks. Because if you pay using their app you earn stars towards free drinks and "gold" status.
There's also an incentive to break up your transaction into multiple payments (when ordering multiple items) because then you get more stars
[doublepost=1527016585][/doublepost]
Err, there's a lot more to it than that. There's a whole rewards programme with freebies and elite status and everything. And you can actually order through the app, too, skipping the line at the store or having your order ready and waiting before you arrive.
[doublepost=1527016938][/doublepost]
I agree, Apple Pay is simpler than a contactless credit card. If only because its quicker to pull my phone out of my pocket than to pull out my wallet, open said wallet, flick through cards to find the right one, etc.
Apple Pay used to be slightly annoying with the old Touch ID, but now with Face ID its extremely quick and painless.
I also use the Starbucks app. Starbucks has found a way to convince people to use their own payment system by giving out rewards. I do however load my Starbucks card using Apple Pay