A BMW? Wow.
I have a CC and Debit linked to my Apple Pay. If the card has a transaction or daily limit, it still applies.
Found that out when I went to buy some bedroom furniture last year. Found out my debit had a $5k transaction limit after my Apple Pay was declined.
Wow. The last time I bought a car (USA) the dealer would only let me put around $2500 of it on a credit card.
All the Apple Wallet does is enable your normal cards accessible via NFC through your phone. So any normal card restrictions apply. If you have a Visa Electron or are a younger person, many banking systems do place restrictions on your. My cards don't, allow tap to pay, and then for not previously used vendors one of my cards often uses an application call back with additional verification via the app.
To activate a card on Apple pay, you need to have an online credit card account set up.... then you need to authenticate it with a user name or password.... even technologically literate people don't know the password to the Chase visa account they created 3 years ago and maybe access with an App that uses face ID or a browser with a stored password.
That is not true across the board, it may be how your particular card does that, but that is not an Apple Pay requirement at all. None of my bank cards do that.
Not so with face-id. Now I have to pull it out, place it on the reader to trigger payment, then remove it and bring it up to my face for face-id, then place it back down and double-click the power button which is in a very strange location for this action. You can't do it all at once, if you use the double-click to trigger it your hand is in the way and face-id doesn't work, and simply getting it out of your pocket with the correct orientation to double-click the power button is not easy. Sometimes you can ID while double-clicking, but that doesn't work where the reader is mounted on the desktop (50%) or in drive-throughs where they hold it out to you.
That is not true either. You can double click it in your pocked if you want to activate the payment, really no different, and you don't have to bring it up for Face ID, Face ID works just fine from an angle.
Strange that, virtually everywhere in the UK supports it.
as does most of europe. i don't know what the problem is
As does most of the world except for the USA. It is daft...
I rarely use it for store purchases anymore. For one, there's the whole mask-wearing thing. Second, both my debit and credit card became NFC "tap" enabled within the past couple of years so that makes them very convenient to use, just as convenient, if not more so than Apple Pay. And third, many places I regularly visit don't support it (in fact, a few places I know don't even support the NFC card payments).
This is the primary reason for me. Just tapping a card is easier. It's not that Apple Pay isn't good, but when all I have to do is tap a piece of plastic, no authentication, no double-pressing a button and making sure I select the proper card, what do you think I'm going to choose?
Generally lower value purchases only, because of the lower security. The lower security is enough for me to prefer Apple Pay.
i know how it works, i also know i have to pull my mask down to authenticate every time the cashier doesn't know what to do.
Just authenticate using your passcode, or if you have an Apple Watch use that.
Sometimes if option comes up online I may use it. Never at stores though. It’s still pretty much garbage along with Apple Card.
You are confused as to what this is about
I don't see any advantage in payments by phone. I don't save any time as it takes me the same time to take my credit card and hold it against the terminal than it would to take out my iPhone. But the card is easier to handle and doesn't break if falling. Dialing in my pin code is only necessary every 25 payments or so.
Generally lower value purchases only, because of the lower security. The lower security is enough for me to prefer Apple Pay.
The problem of mobile payment is that there is no competition. I can get credit cards everywhere, but if Apple or Google kicks you out, you can't pay. So it is better not to support them.
I think you are a bit confused as to what this is about
Apple or Google can't kick you out, only your own bank can.
It would be a different thing if Apple would open his nfc for banks so they can use their own apps. It's much better for the customers.
??? Why, I think you are rather confused as to what this topic is about. It has nothing to do with that.
I’m with Chase. I would like to transfer $500 to someone. My options are Zelle (requires supporting bank on other side), Wire Transfer (fee payable) or Check (ridiculous). There is no free ACH option available. So you are wrong, ACH is not universal.
I would leave Chase if they can't get their act together. It is 2021 there is really no excuse to not make it easy for your customers.
