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Starbucks' In-Store Mobile Payments Estimated to Be More Popular Than Apple Pay in U.S.

"Other points in the report state that Apple Pay is accepted at more than half of U.S. merchants, while Samsung is the most widely accepted at around 80 percent of merchants, while still being the least popular on a user basis."

I'll look at Android... At least they are willing to give percentages... while Apple you gotta guess.. "more than half" can mean anything .... its over 50 isn't it.. That leaves you anywhere between 60 and 70... Least that's "closer"
 
I can't see the point of using Apple Pay in the USA if only 50% of merchants accept it. You still have to carry your wallet/card and you have the bother of remembering whether a store accepts it or not.
In the UK/Australia where acceptance is like 100% you don't need your wallet anymore so there's a benefit.
 
actcyclist said:
I can't see the point of using Apple Pay in the USA if only 50% of merchants accept it. You still have to carry your wallet/card and you have the bother of remembering whether a store accepts it or not.
In the UK/Australia where acceptance is like 100% you don't need your wallet anymore so there's a benefit.
Click to expand...

USA still has a better growth ... Australia,,, is basically just getting started. like we are with everything.

Westpac still doesn't offer Apple Pay, because they'd rather tie their own customers to them...

You have two immovable forces,, which one will cave in first.?
 
I would use Apple Pay way way way more if I knew where the heck it was accepted, or at least worked. The only places I use it right now are places that have the little Square readers and some touch to pay vending machines. They are really the only two that are clearly marked with the Apple Pay logo so I know it works, and where to touch my phone to get it to work. In a busy line in a store I don't really feel cool to tap a bunch of different places trying to find where Apple pay works and the sales person often doesn't know what's up. Worse yet, I think they may need to tap a button to "enable" the payment and then you touch. I wish it was like the new chip readers where during ring up you can read your chip and then remove the card and at the end they just hit total or whatever and it processes real fast.

Also, curious how many Starbucks people have the app set to reload their card FROM Apple pay. I have Apple pay setup on my phone and my app can reload directly from Apple pay. Added layer of protection for the credit card and using the Sbux app allows me to earn rewards.
 
You Americans must be drinking a lot of coffee! Mind you I must top up my Starbucks card about £10 a week, not run the maths, a dangerous thing.
 
Since I'm unlikely to willingly choose to go to a Starbucks, this means nothing to me.
 
Mister Barmy said:
Given checking account interest rates, the money I might keep on a Starbucks card isn't going to earn any significant interest.
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To be clear, it's not that you'd make any significant interest off the $20 in your Starbucks account, it's that Starbucks is getting the interest off $20 times 5 million users (I'm making numbers up but they're probably not too far off the mark). The interest on $100million is pretty significant. There's two reasons for Starbucks to offer their pay-with-app functionality: loyalty (you're more likely to go to Starbucks instead of a competitor because you've already paid and using the app was fast and convenient last time), and income (the customers are freely loaning Starbucks millions of dollars which they can collect interest on). I have no problem with this, because the convenience to me is worth more than the interest off $20. But it is interesting to see how it works.
 
Points systems, aside of more re-occurring purchases, are also a good way of data capture for business intelligence, getting customer buying habits and tracking locations.

Looks like star bucks loyalty program is working as intended.

People seem to have forgotten that not everyone is an iPhone user, so Android users will also use Star Bucks payment methods...
 
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69Mustang said:
I don't think reloading a card is considered a transaction. Transactions in this instance are typically qualified as making a purchase.
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Well that is the real transaction as far as your Bank is concerned.
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ronntaylor said:
It would be foolish to miss out on the points. I've never used Apple Pay and have no intention on using any time soon. Never used Android Pay when I used Android phones.
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I use Apple Pay all the time and love the way Walgreens is implementing their card for points. It lives in my wallet on my iPhone and pops up automatically when I walk into the store. One tap and I can get my points on a purchase and then pay with Pay and my finger print.
 
Waving my Watch to pay has generated many comments. "Cool" mostly. "Handy" is what I say.

With four cards that now stay in my (real) wallet, it is a simple and easy payment solution.

The drawbacks? Well I'm lucky I bank with ANZ (Australia). The other big banks here resisted Apple and continue to think they can inflate their profits with their own solution. Nope. Greedy banks have gained no traction. The public dont want a bank-based solution it seems.

Aussies have embraced cashless transactions. Tap and Go is almost everywhere. Saves trips to the ATM. Less room needed in you wallet or purse. No pockets full of loose change. With an App you can tap and see your balance anywhere, anytime. Easier than logging onto a website. And if you lose your cards, you can still use your phone.

Those graphs look a bit suss. I do not see a plateau effect happening. I would actually expect growth to skyrocket towards saturation in the next few years and replace cash. The weird thing is Apple Pay only runs on Apple devices but with so many cheap Android devices you would surely expect Android Pay to stomp all over Apple. Why isn't this happening? I have both devices. For some reason, I trust Apple with payment security but don't trust Android. I guess experience with Apple's App store and iTunes have instilled confidence. If I want to buy apps in Google I buy a voucher. Weird or what?
 
I don't visit Starbucks much, but when I do, I use the Starbucks app to pay, solely to get rewards towards free drinks. I refill my Starbucks "card" via ApplePay and use their annoying barcode system to pay at a register. But, this is an example how how easy it is for studies and statistics to be biased and misleading, which people do all the time. I would use only ApplePay if there were an automatic way for me to still get Starbucks rewards (which I'm not aware of), so I'm "forced" (per se) to use their dumb app and be a part of their statistic.
 
Infinite Vortex said:
What I think everyone seems to forget is that using Apple Pay (or Samsung Pay - or whatever equivalent) isn't any simpler than using my credit card. I still have to do something… I still have to pull something out… I still have to validate. So where's the advantage? Apple doesn't offer me points or any rewards program so why would I prioritise it over something that does??
Click to expand...
Because you have then carry a card, and a wallet. Gave up on both of those antiquities years ago.
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acarney said:
I would use Apple Pay way way way more if I knew where the heck it was accepted, or at least worked. The only places I use it right now are places that have the little Square readers and some touch to pay vending machines. They are really the only two that are clearly marked with the Apple Pay logo so I know it works, and where to touch my phone to get it to work. In a busy line in a store I don't really feel cool to tap a bunch of different places trying to find where Apple pay works and the sales person often doesn't know what's up. Worse yet, I think they may need to tap a button to "enable" the payment and then you touch. I wish it was like the new chip readers where during ring up you can read your chip and then remove the card and at the end they just hit total or whatever and it processes real fast.

Also, curious how many Starbucks people have the app set to reload their card FROM Apple pay. I have Apple pay setup on my phone and my app can reload directly from Apple pay. Added layer of protection for the credit card and using the Sbux app allows me to earn rewards.
Click to expand...
Yes, the problem in the US is the banks and the systems used at checkout. They are all different, many don't work and most of the employees are clueless.
 
MacRumors said:



By the end of 2018, an estimated 23.4 million users in the United States will be paying for their coffees and bakery items at Starbucks using the company's own in-store mobile payment system. The estimate comes from research firm eMarketer (via Recode), which also predicts that Apple Pay will hit 22 million users by the end of the year.
Click to expand...

Comparing apples to oranges.
I

HobeSoundDarryl said:
You might want to re-read the story. I don't believe it's saying what you think it's saying. Instead, I believe this is about purchases ONLY at Starbucks, not Starbucks vs. cumulative transactions "with every other retailer on earth." However, if this is some worry about Apple not being #1 in the latter, I suspect good old plastic card usage still probably thoroughly thrashes any of these pay-by-phone options.
Click to expand...

As far as I know, Starbucks does not take Apple Pay, so the "only at Starbucks" comparison would be 23.4million users vs 0 users.
 
truthertech said:
Apple Pay protects your privacy and security. The merchant never gets your credit card information to have it stolen by hackers, employees, etc. Your information is also sent by a one time use encrypted token, so you see you are better off, at no cost, and more convenience, by using Apple Pay
Click to expand...
I know that this is how it works, but I am not concerned about employees stealing my details when I never hand over my card to them..
 
Rookwood said:
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.
Click to expand...

Whenever a waiter leaves with my card when I’m in the US, my heart skips a few beats.
 
tmiw said:
Starbucks does take Apple Pay though, at least in the US.
Click to expand...

In France they don’t (at least no Starbucks I went to did). They actually disable the NFC feature so contactless carts do not work either. I always wondered why as they seem to be the last holdout and now I believe I know the reason.
 
I actually just had an interview last week with the company that developed the Starbucks app. It’s one of their more recent claims to fame, apparently.
 
yoz-y said:
In France they don’t (at least no Starbucks I went to did). They actually disable the NFC feature so contactless carts do not work either. I always wondered why as they seem to be the last holdout and now I believe I know the reason.
Click to expand...

If that were the case, why would Starbucks enable NFC at all in the US? It seems more likely that Starbucks in France is just running older terminals (which will probably be replaced soon as the networks are mandating NFC support in Europe).
 
I use the Starbucks app for the rewards.

However the latest update sucks and is too cumbersome to navigate
 
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