SunTrust Bank and BI-LO, Winn-Dixie, Harveys Grocery Stores Add Apple Pay Support [Updated]

[dontwalkhand]

Unfortunately, we may be stuck with that for a while -- because US banks largely chose to switch to Chip & Signature, instead of Chip & PIN.

In Europe and Brazil, I found that Chip & PIN is widely deployed, and as a result they perform all transactions with a portable terminal. They bring it right to your table, you insert your card, enter the tip (if appropriate), enter your PIN, and they print the receipt for you. Your card is always in your possession.

Some US banks are adding PINs to their cards, but it is a lower priority for authentication, behind signature. Only unattended terminals that cannot process a signature should ask for the PIN.

It will be interesting to see how US restaurants handle European visitors that have a chipped card that asked for PIN authentication as first priority. I guess they will have to go to the register and check out there.

Chip & Signature terminals all support Chip & PIN, because they are the same machines!

I used a Chip & PIN card at Walmart and the terminal prompted for my PIN, while I used a BofA C&S card and the same terminal asked for a signature. The card CVM decides what to ask for, not the terminal itself.

Verifone & Ingenico make up about 80% of the Chip & PIN terminal market, the very same companies you see selling terminals in the United States.


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I think sit-down restaurants actually won't actually adopt EMV all that quickly. Most of them will probably just take the risk since it's a fairly low risk industry from a card perspective anyway. There will also likely be signature only terminals built for the restaurant industry, like how Square's rumored chip reader won't support PIN.

Sit down restaurants will rest on their laurels for a while, but quick service and fast food will have EMV and NFC up more than likely. Chili's and Red Robin both have table side terminals. The cost of fraud may be low however, if they get hacked, now they have to pay for ALL OF IT.

McD's, Rubios, Wing Stop, Panera all come to mind in this regard. They have both NFC and Chip & PIN combination terminals. Same goes for all of the other "Apple Pay" enabled restaurants

I'm curious as to what the Square reader will do when I present a PIN priority card, however most C&P cards have signature as a 2nd CVM
Places just need to enable PayPass for NFC and Apple Pay- thankfully according to my Merchant Service provider, Wells Fargo, that very same Chip card enabling software will enable PayPass for Apple Pay as well!

Expect to see more Apple Pay in the next 6 months as a LOT of mom & pop stores go through Wells Fargo for merchant service processing.

 

[tmiw]

Chip & Signature terminals all support Chip & PIN, because they are the same machines!

I used a Chip & PIN card at Walmart and the terminal prompted for my PIN, while I used a BofA C&S card and the same terminal asked for a signature. The card CVM decides what to ask for, not the terminal itself.

Verifone & Ingenico make up about 80% of the Chip & PIN terminal market, the very same companies you see selling terminals in the United States.


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Sit down restaurants will rest on their laurels for a while, but quick service and fast food will have EMV and NFC up more than likely. Chili's and Red Robin both have table side terminals. The cost of fraud may be low however, if they get hacked, now they have to pay for ALL OF IT.

McD's, Rubios, Wing Stop, Panera all come to mind in this regard. They have both NFC and Chip & PIN combination terminals. Same goes for all of the other "Apple Pay" enabled restaurants

I'm curious as to what the Square reader will do when I present a PIN priority card, however most C&P cards have signature as a 2nd CVM
Places just need to enable PayPass for NFC and Apple Pay- thankfully according to my Merchant Service provider, Wells Fargo, that very same Chip card enabling software will enable PayPass for Apple Pay as well!

Expect to see more Apple Pay in the next 6 months as a LOT of mom & pop stores go through Wells Fargo for merchant service processing.

To be specific, the terminal decides what CVM to use based on what it supports in conjunction with what the card prioritizes and supports. Very few terminals only support signature or only support PIN.

Which brings me to another point. So far, a lot of the mom-and-pop early EMV adopters appear to have the terminal still on the merchant side and have no customer facing equipment. How is Apple Pay going to work without them having to buy extra stuff, let alone PIN? So far it's not promising; I've had my one PIN preferring card rejected at such a place precisely because of a lack of a PIN pad for me to enter it.

 

[pietrov]

I'd like to know the strategy of the other sellers and their ideas (if they have one)... not only our enthusiast vision...

 

[BvizioN]

Fair enough, I guess as a UK user most of the news recently does not interest me as it only affects the US.

It should do. If Apple Pay succeeds in US, that means UK will be next, including other countries.

 

[cub850G2]

Here the main players are Baker's (Kroger), Hy-Vee and the semi-new Walmart Neighborhood Market. Since Walmart and Hy-Vee are both MCX I would love to see Kroger step up.

I would love for Baker's to step up as well, as I loathe both Wal-Mart and Hyvee, but like Baker's because they aren't part of MCX and some of the other Kroger stores do take Contactless. But Baker's is still using those old Verifone MX870's without Contactless, and Whole Foods was using those too, until they replaced them all with MX915's with Contactless payment support, now Google Wallet and Apple Pay works great at Whole Foods! There is a high chance that Baker's will have to upgrade to the MX915's and its a matter of when it will happen. Hopefully they will leave the Contactless support on when they do.

 

[eacummings]

Apple Pay and Winn-Dixie

I have been waiting for years for Apple to create this so called Apple Pay, and now that it is here I am going to enjoy using it until my death, I am very pleased that Winn-Dixie is accepting Apple Pay now, as a couple months ago I stop in to a Winn-Dixie that I had not ever shoped at and purchased a few items, went out to the parking lot got in my truck and the battery had died, the store Manager tried to jump start my truck and it was a no go, so he took my to the nearest place to purchase a new battery, the moral of this story is this is the kink of people I want to do business with, so I thank you Apple and Winn-Dixie.

 

[dontwalkhand]

To be specific, the terminal decides what CVM to use based on what it supports in conjunction with what the card prioritizes and supports. Very few terminals only support signature or only support PIN.

Which brings me to another point. So far, a lot of the mom-and-pop early EMV adopters appear to have the terminal still on the merchant side and have no customer facing equipment. How is Apple Pay going to work without them having to buy extra stuff, let alone PIN? So far it's not promising; I've had my one PIN preferring card rejected at such a place precisely because of a lack of a PIN pad for me to enter it.

I've encountered a place like that already, a Mongolian grill. I had to reach over the counter to tap my phone, which is very counter-intuitive- hehehe pun intended

To be fair it is the same as Europe though, as a lot of mom and pop places in the UK, don't have customer facing equipment either, they just hand the whole terminal over.

Also with most of these mom and pop places the merchant generally doesn't buy anything and "gets the terminal for free" from the bank, usually PIN pad with contactless included nowadays.

Now if the mom and pop store has a full real POS system like a big store does, that's another story, time to buy an MX915 or something.

 

[StyxMaker]

Repeated stories about retailers that are specific only to certain areas of the country really shouldn't be on the front page, if any page.

This seems to be a minority opinion.

 

[Böhme417]

Just the other day, I was at a Starbucks paying with their QR system and I couldn't help but think about how antiquated the QR system is. Amazing how that happens within just a few short weeks of using Apple Pay.

Even though it's antiquated, I still have people comment to me in line at Starbucks when I use my phone. "You can pay with your phone?! How did you do that?" Granted, it's usually people over 40...

You might be the only person who hasnt.

To be fair, I've heard of 2 of the 3, but I've never shopped at one. I don't even know where one is, and I live in the southeast. Oh, well.

I'll echo the want for Publix, though.

 

[TreyCox]

Would be useful if anyone heard of and BI-LO, Winn-Dixie, Harveys Grocery Stores

They are all over the place where I live.

 

[iMule]

After they scan my Bi-Lo Bonus Card, let that update their bogus inflated prices, then I'll be able to use Apple Pay? Sweet. Fact is, I don't go there anymore. I really don't trust their meat. On 2 occasions, I grilled steaks that had to have been tainted.

 

[BruiserB]

I get the feeling that smaller grocery chains may be starting to roll out in a big way. I decided to write to the contact us page of a local chain (Lunds and Byerly's) that I shop at in the Minneapolis area. I half expected to get no response or a "we have no idea what you're talking about" response. Instead, just minutes later, I got:

Hi BruiserB,
Several of our stores are able to accept Apple Pay today and more are being added every week. We hope to have all stores ready to go by mid December. If you would like to share the store you shop at, I can let you know if they are set up.

Sincerely
XXXXXX
Sr. Operations Mgr

I then wrote back with my preferred store and was told that new hardware is going in on December 9th! As far as I know they haven't advertised ApplePay or NFC as coming soon, but great to see they have it underway!

 

[dontwalkhand]

I would love for Baker's to step up as well, as I loathe both Wal-Mart and Hyvee, but like Baker's because they aren't part of MCX and some of the other Kroger stores do take Contactless. But Baker's is still using those old Verifone MX870's without Contactless, and Whole Foods was using those too, until they replaced them all with MX915's with Contactless payment support, now Google Wallet and Apple Pay works great at Whole Foods! There is a high chance that Baker's will have to upgrade to the MX915's and its a matter of when it will happen. Hopefully they will leave the Contactless support on when they do.

They don't need to replace the whole terminal, my local IGA grocery store literally just bought and installed new NFC readers that literally attached to the top of their old MX860 readers, and now can take Apple Pay. The manager said they did this to accept Apple Pay, and this solution was a third of the cost of replacing all of the terminals. Now the old MX860 terminals look like they have PayPass hats on .

In the attached picture is the module that they literally snapped onto their existing terminals. I personally am glad to see this happen as it means more places I can use Apple Pay, and my NFC enabled credit cards.

 

[cub850G2]

They don't need to replace the whole terminal, my local IGA grocery store literally just bought and installed new NFC readers that literally attached to the top of their old MX860 readers, and now can take Apple Pay. The manager said they did this to accept Apple Pay, and this solution was a third of the cost of replacing all of the terminals. Now the old MX860 terminals look like they have PayPass hats on .

In the attached picture is the module that they literally snapped onto their existing terminals. I personally am glad to see this happen as it means more places I can use Apple Pay, and my NFC enabled credit cards.

Those addons are very high power unlike the built in ones in the MX915 or MX925, but both types work very well. Baker's is part of the large Kroger family and many Kroger family of stores already have MX915's installed, so that is how I figured they would choose those. Currently its MX870's and a few of them don't even have an emv slot, but most seem to have those which was the same story for Whole Foods as well. So it seems Winn-Dixie and Bi-Lo choose to upgrade to the MX9xx series of terminals right?