It's actually usually 5 things: hold near terminal, double-click side button, wait for FaceID to fail, click "pay with passcode", enter passcode. (Well, 6 things if the first attempt at double-clicking the side button takes a screenshot instead, due to the improper opposition of the lock button and volume buttons)
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Survey: Only 6% of U.S. iPhone Users Who Set Up Apple Pay Actually Use It
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Usage did increase, but since it was already pretty low before the pandemic, that means that even doubling still gets you a pretty low number.
Anyway, I do get the feeling that stores are indifferent at best for anything other than the absolute minimum (e.g. inserting a physical card). Makes me wonder sometimes if Apple would have been better off doing QR instead of NFC, preferably on their own payment network. After all, US stores have disliked Visa and MC for quite a while but don't exactly have any other alternatives short of ACH (which people rightfully distrust).
It doesn’t help that near me most places don’t do contactless, at least the places I go to on a regular basis. It would be great if Walmart and Kroger took it.
None of the local gas stations take it. The only time I bought gas that took contactless it was 3 hours from home, I was on a trip. One of the local Exxon’s take Apple Pay inside but the pumps don’t have contactless.
None of the local gas stations take it. The only time I bought gas that took contactless it was 3 hours from home, I was on a trip. One of the local Exxon’s take Apple Pay inside but the pumps don’t have contactless.
I never stop being surprised by how far behind the USA is in modern banking and payment systems. Heck even in Russia it is used everywhere including tapping in and out of public transport for many many years. The extra security, the increased limits, heck I bought our BMW by Apple Pay tapping my phone 
Heck I have been using Apple Pay since I moved from Android and got the launch day iPhone 6. And I live in a rural area and there were still places I could use it. Not many, mind you -- I remember McDonald's, Subway, Walgreen's were amongst the first to have the ability here to go contactless and pay with Apple Pay.
I still use it all the time. Don't understand why so few (apparently) don't use it.
I still use it all the time. Don't understand why so few (apparently) don't use it.
I live in London, use ApplePay on the Apple Watch and in the past 18 months, I had to use cash once and a physical card twice. I do find that using Apple Pay on the iPhone is cumbersome - you still have to take a device out of your pocket, wait for ApplePay to activate and then show your face to the phone. Using the watch is incredibly convenient, though, but it is cumbersome to set up so literally no one else uses it. Which is a shame.
I absolutely love apple pay via watch, most convenient payment method for anywhere I can use it, which is almost everywhere here barring the one store chain that I have to use their plastic card for points. ( they're heavily pushing a different more cumbersome mobile payment method )
When out of the United States though you’ll find in many countries including the UK, any place that accepts contactless will accept Apple Pay by default. Quite why America is so far behind in this area is quite unbelievable.
If a person owns an Apple Watch, those fairly easy methods you’ve mentioned there become even easier as your payment method is there without any fuss. I haven’t used ApplePay from an iPhone since the end of 2016 I don’t think.
Apple Pay on the watch is a life saver. Without Apple Pay I’ll be so lost. I’ve stopped carrying cards altogether. Only keep them with me in case I’m travelling abroad. Even then I hardly ever need it if I’m travelling within Europe.
The user who you replied to said that not everyone takes it meaning that there simply aren't contactless terminals out there everywhere. Walmart for instance has resisted heavily. But moreover, I think part of the issue is simply because retailers in the US aren't used to having the credit card terminal out in the open for users to interact with.
Anywhere that accepts contactless cards will also accept Apple Pay in the US. I think when users say they use card, it means EMV or mag swipe still. Contactless cards just never took off in the US. I remember around the 2008 recession or so, many cards started transitioning, but then when it never took off, card issuers started giving non contactless cards again. It took until the whole Target breach in 2013 along with Apple Pay being introduced to bring contactless cards back. Only in the last 2-3 years or so have card issuers gone back to contactless as default and I saw a few cards being replaced to explicitly offer contactless.
As I mentioned earlier, part of the problem is most retailers keep their credit card machines behind the counter and aren't accustomed to holding it up or putting it on the counter in front of the customer. So even if they have contactless support, it's a hassle and they're more used to you handing them your card in the US.
With the pandemic though, I do see more stores prominently putting Square readers out there in front so you can use contactless, so this is a positive change.
I never stop being surprised by how far behind the USA is in modern banking and payment systems. Heck even in Russia it is used everywhere including tapping in and out of public transport for many many years. The extra security, the increased limits, heck I bought our BMW by Apple Pay tapping my phone
This is exactly what I think every time there’s an Apple Pay & banking related thread is kicked off.
Apple Pay isn't accepted at Amazon, Walmart, Home Depot, Lowe's, Kroger, HEB just to name a few. In fact some businesses have abandoned AP completely. Most importantly, Apple Pay really blows if you want to use it to pay bills. Once Apple finally kills off Touch ID, I'll stop using AP all together.
The big stores have no problem letting you run your card yourself. It's when you get to certain industries (namely hospitality/food service) as well as smaller businesses in general where you find the huge resistance to that.
The bigger issues are how shoddy employee training and the software on US terminals are; we really shouldn't have allowed stores to run their own custom stuff, IMO.
What issues do you face while paying bills? I’ve been paying bills with Apple Pay since it was launched.
Indeed, the only bit that's somewhat 'special' is allowing transactions over the normal contactless limit, which terminal has to be programmed for ( though is still not apple pay specific, just a newer extension to the contactless standard allowing for larger transactions with secured services like apple pay ), but for transactions below that limit, apple pay should always work where contactless is available. And at least here, most terminals have by now been updated to support secured contactless transactions over that limit.
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Well, I loooove it!
One of my favorite Apple iOS/WatchOS 'features'.
I hardly every carry my credit card these days.
(When shopping online, I wish more websites would support it though).
PS: Where I live contactless payments including Apple Pay is supported in almost all stores.
One of my favorite Apple iOS/WatchOS 'features'.
I hardly every carry my credit card these days.
(When shopping online, I wish more websites would support it though).
PS: Where I live contactless payments including Apple Pay is supported in almost all stores.
I understood what they were saying which is why I’m amazed America has not caught up in this area. Contactless terminals are in 99% of shops here and supermarkets here now have up to 50% of the checkouts as self serve. The only places I’ve found that don’t have contactless are very small independent corner shops who don’t want to pay additional banking charges. America has always been rather odd in this regard and I remember not so long ago visiting the US and being amazed so many outlets still asked for signatures with card payments which is something that seemed to disappear almost 20 years ago in the UK and Europe.
Even inflating your tyres or washing your car in a lot of places here is contactless. And also car parking meters.
I have had an AW 2, 3 and currently a 6. Never used Apple Pay with it. I always set it up but never use it and yet I use Apple Pay on my iPhone for any transaction that can (pretty much everything I buy). I’m not sure why that’s the case - I think maybe I just forget that my watch can do that, or I forget that there’s a device on my wrist at all since I’m so used to having it on 23 hours a day?
I wonder about Germany as well. I was one of the first people in Germany to use Apple Pay in 2014 (using the Citibank debit card) before Apple Pay was officially introduced in Germany four years later. It took a lot of effort to educate the cashiers about the "contactless payment" technology. I had to check ahead to see if the card readers had NFC technology and know which one is enabled for that. German cashiers insisted on us handing them the cards so they can insert them in the card readers themselves because they thought so many Germans didn't know how to insert the cards properly.
Now, fast forward to 2021, the pandemic has pushed so many businesses and germphobic Germans to adopt the card payments. Today, almost 70% of transactions are done by card payments in Germany. Germans have become more intolerant toward the "coin miners" at the check-out who dug eternally in the wallet for the exact changes.
The biggest and most bizarre issue here is EC-Karte (debit card exclusive to Europe), Maestro, and V-Pay that are widely accepted. Some businesses set their card payments to accept EC-Karte, Maestro, and V-Pay only. No MasterCard and Visa as offered by many German banks for Apple Pay. It is due to the narrow-mindedness of the German organisation that manages the EC-Karte. Only Sparkasse (the most stingy and detested bank in Germany) offers EC-Karte with Apple Pay.
Today, I get really hissy-fitty if the business doesn't accept the card payments and/or MasterCard and Visa debit cards. My German friends have gotten more vocal about it lately.
Now, fast forward to 2021, the pandemic has pushed so many businesses and germphobic Germans to adopt the card payments. Today, almost 70% of transactions are done by card payments in Germany. Germans have become more intolerant toward the "coin miners" at the check-out who dug eternally in the wallet for the exact changes.
The biggest and most bizarre issue here is EC-Karte (debit card exclusive to Europe), Maestro, and V-Pay that are widely accepted. Some businesses set their card payments to accept EC-Karte, Maestro, and V-Pay only. No MasterCard and Visa as offered by many German banks for Apple Pay. It is due to the narrow-mindedness of the German organisation that manages the EC-Karte. Only Sparkasse (the most stingy and detested bank in Germany) offers EC-Karte with Apple Pay.
Today, I get really hissy-fitty if the business doesn't accept the card payments and/or MasterCard and Visa debit cards. My German friends have gotten more vocal about it lately.
Yeah, same in the UK. And almost 100% of vendors have a card reader, even ice cream stands. I guess it helps that our 4G coverage is almost 100%.
For two years now, about 100% of my payments have been Apple Pay. Mostly with my watch. I usually don’t even carry a card. But, my wife doesn’t; she uses a contactless card. I refuse to bear a contactless card until they start removing older authentication methods like signatures.
I can assure you that our 4G coverage is far from 100%! At least in some parts of the UK.
Where I live, an eyeball check on coverage suggests maybe 50% of land area. My home is good but not far down the road, it disappears. 3G, on the same basis, seems to be about 80/85%. That uncovered area includes a signficant number of dwellings, places of work, and main roads.
My phone quite often switches to BT Wifi because of lack of 3G/4G. But that is not often of much use - e.g. while driving the dwell time in the zone of a single BT Wifi point is very short.
5G? What is 5G?
You're from the Bay (or claim to be) and think everyone takes Apple Pay or educated on how to use it?
C'mon, what food truck or independent take-out restaurant around here even takes Apple Pay outside of the crappy hipster ones. The great mom n' pop shops just started getting chip readers in the past couple years.
My regular corner deli just got a chip reader with a color screen. Thats a big step up!
I don't use Apple Pay on my phone much, but I use it on my Apple Watch all the time. I found the perfect use for my Apple Cash is to top off my tank at the gas station. The pump knows when to stop. It's magic. I love using my watch at 7-11 and Trader Joes etc, cuz often, as I walk away from the cashier, the person after me asks the checkout person something like "did that guy just pay with his WATCH?!" Ahhh, the clueless masses.
I don’t get how, there’s an extra step with the phone as opposed to just tapping the card. You also have to provide faceID which means taking the phone back off the terminal, unlocking it and putting it back on the terminal.