I use the starbucks app to pay because I can buy discounted gift cards on groupon and similar sites ($5 for $10 gift card for example) and merge them onto my current card and earn points. Apple pay can't compete with that.
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Starbucks' In-Store Mobile Payments Estimated to Be More Popular Than Apple Pay in U.S.
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You aren't understanding that when you use your card, the data from it is entered into the company's system; thus it is available to employees, hackers, etc. Apple Pay eliminates that possibility.
No it the data does not go to the company's system. It goes to the company's choice of payment processing company. I also think you're over simplifying and misunderstanding the term "hacker".
For you tell me that I'm not understanding this is quite hilarious considering that I'm a software developer who knows how these things work...
True, but a lot of business offer rewards programs and online order and none of those systems qualify as being an "in-store mobile payment system." Again, the Starbucks system is simply a barcode linked to a reloadable gift card. That's very different from Apple Pay, Samsung Pay and Google Pay. The Starbucks system is popular due to rewards program, but if they administered their rewards program based off of phone numbers like grocery stores and pet food stores, people wouldn't use their gift cards at all while otherwise being functionally identical far as I can tell.
That is not necessarily accurate. For example, in the infamous Target hack in 2013 the intruders infiltrated Target's corporate network and were able to get into the POS terminals from there, where they intercepted the card data. Besides, there have also been cases where the payment processors have been hacked. In any case tokenized card numbers with dynamic security codes as used by Apple Pay and other payment methods prevent abuse in such cases.
I do the same thing, but until a few days ago, I realized you can use your starbucks card loaded in Apple Wallet and still collect the points. That's how my wife has been using it all along and the points still showed up in the actual app. And the baristas even have a way to reload the card without opening the starbucks app.
What a silly comparison. Starbucks Rewards card/app can only pay for Starbucks edibles, like a frappuccino or a breakfast sandwich at Starbucks stores.
ApplePay and GoogleWallet can pay for….. uhhh…. they can buy MILLIONS of items from thousands of merchants and stores. They can be used to pay for a $1500 bicycle. Can Starbucks Rewards do that? ApplePay can be used to pay for a brand new MacBook laptop. Can the Starbucks Rewards app do that? ApplePay can be used to pay for the groceries at major supermarkets like Stater Brothers and Albertsons and Whole Foods. Can the Starbucks app do that?
Starbucks is just a rewards app to pay for your overpriced frappuccino, not much more. The Apple and Google pay services are true online mobile systems.
ApplePay and GoogleWallet can pay for….. uhhh…. they can buy MILLIONS of items from thousands of merchants and stores. They can be used to pay for a $1500 bicycle. Can Starbucks Rewards do that? ApplePay can be used to pay for a brand new MacBook laptop. Can the Starbucks Rewards app do that? ApplePay can be used to pay for the groceries at major supermarkets like Stater Brothers and Albertsons and Whole Foods. Can the Starbucks app do that?
Starbucks is just a rewards app to pay for your overpriced frappuccino, not much more. The Apple and Google pay services are true online mobile systems.
Maybe, I'll have to check next time I go there to see if they taped over the nfc logo or if the terminal is a relic. Even the fruit stand next to my place accepts nfc so they have no excuse.
It's the banking system aspect you are confused about. The reason Apple Pay is more secure and private is that when you use a traditional credit card, the merchant's internal systems get your payment information, in addition to the bank that is processing it. That's why when Home Depot, Target, etc., has a breach, your data is compromised and you end up with a notice from your bank that you are getting a new card. In contrast, when you use Apple Pay, a secure (encrypted, one time use token is sent from your phone to your bank instructing the bank to pay the merchant. With Apple Pay, Target never gets my the same data as when I just use a credit card. It's a major reason why Target has resisted allowing Apple Pay use in its stores even though it doesn't cost the merchant anything.
A reloadable gift card is an "in-store payment system".
It's a card that you can use in store. For payment. Link a phone to it and it is, by any reasonable definition, an "in-store mobile payment system".
[doublepost=1538835916][/doublepost]As a frequent Starbucks patron, I am really starting to consider the mobile app function. It is a nice feature to signal ahead and just go in and pick it up. Technology and innovation are definitely driving new consumer trends.
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.
Starbucks itself says that its mobile order-and-pay system accounted for 12 percent of all U.S. transactions in the quarter that ended April 1, and eMarketer predicts the company will hit 29.8 million in-store mobile payment users by 2022. According to the data, Starbucks rises above Apple Pay (predicted at 27.5 million in 2022), Google Pay (14.9 million), and Samsung Pay (13.2 million).
This could be due to the Starbucks app's cross-platform availability on iOS [Direct Link] and Android, whereas Apple Pay is locked to iPhones for mobile payments and Google Pay and Samsung Pay are found on Android. Still, it's an impressive feat for a single-restaurant payment app to gather enough users to compete with mobile wallets that are aiming for more universal, multi-location appeal, if eMarketer's estimates are correct.
eMarketer also points out that Starbucks launched in-store mobile payments before Apple, Google, and Samsung debuted their dedicated mobile wallets, so early adoption could be helping its success. The app also includes a rewards program that earns customers free food and drinks every time they pay using the Starbucks app.
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. In total, a quarter of U.S. smartphone users over the age of 14, around 55 million owners, will use their devices to make an in-store purchase by the end of 2018.
Image via eMarketer and Recode
Apple doesn't divulge its Apple Pay usage, leaving researchers and analysts to estimate how many users might be paying for items in store using the NFC system. Earlier this year, Loup Ventures did just that, estimating that 127 million people were using Apple Pay globally at the end of 2017, 38 million of which were in the U.S. -- a much higher estimate in comparison to eMarketer's report.
About one year ago, The Wall Street Journal highlighted Apple's launch troubles with Apple Pay. In an interview around the same time, senior vice president Eddy Cue said that Apple Pay was growing faster than other mobile wallets and believed it could go so far as to replace cash, debit and credit cards as a primary payment system. "Does it matter if we get there in two years, three years [or] five years?" Cue asked. "Ultimately, no."
Article Link: Starbucks' In-Store Mobile Payments Estimated to Be More Popular Than Apple Pay in U.S.
Is this prediction still on track?
Last night I went to starbucks for the first time in about 6 months, even though there are three within 3 miles. I actually hung out there surfing MacRumors also and paid for the purchase with Apple Pay. I could have had a full meal at a diner for less, which is why I rarely go to Starbucks.
Last night I went to starbucks for the first time in about 6 months, even though there are three within 3 miles. I actually hung out there surfing MacRumors also and paid for the purchase with Apple Pay. I could have had a full meal at a diner for less, which is why I rarely go to Starbucks.
I hear your grip, but its an acquired service. Its either you like it and find their products worth the money, or you do but find it over price. Truthfully, you don't typically eat out if you're on a budget. I think the same applies here, no offense. If you like the brand you pay the price, and if enough people felt like you. I guess Starbuck prices would change... We see...
Nelson
Nelson