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I’m the only one using it among my friends and family. People have an unfounded fear based on bad information about of how much more secure it is over a swipe or even a tap card. They think the wallet is being stored on the cloud that hackers can see. Apple needs to do a better job of explaining the Secure Enclave.
 
YEP! And what's worse is that many places the terminal has the ability but they purposely BLOCK Apple Pay!!! WHY????? If I could I would use it 100% of the time but it ends up being only about 50%
that's exactly right. i don't get it either. i don't see how they benefit from using cards vs. apple pay, especially given how easy it is to integrate at this day in age...
 
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The challenge is the big retailers that dont allow it. Kroger, Walmart, Home-Depot. Even Costco, where it works, the Citi card is used for membership and contactless on the POS terminal.
 
If Apple would ever bring the Secure Enclave to digital currency with Apple Pay it would be the killer app.
 
I live in South Carolina, nobody uses Apple pay and the clerks are sadly lacking in understanding their side of it. Contactless cards, everyone understands, no problem. I usually put my card in my shirt pocket if I'm heading to the store or to get gas.

Where I'd actually like to use it, to get gas, nobody has that capability.
Exxon/Mobil does. A lot of the stations have NFC terminals at the pump, but their APP also takes Apple Pay, and you can use the app at any of their stations
 
There is not a limit with contacless using Apple Pay, someone bought a car with it, I bought £90 worth of shopping contactless in Tesco despite it saying 45 contactless limit that's due to apple security allows to bypass the limit even mentions it on apples website.
Sorry, I should have said card contactless. As for Apple Pay being limitless, most of the time it is, but some card readers haven’t been updated and still have the card contactless limit for Apple Pay payments.

Apple Pay would be even more prolific in the UK but a lot of people think that card contactless limit applies to Apple Pay
 
I use it all the time for online purchases and it works great. With merchants such as Whole Foods and Sprouts it rarely works, and then it still requires entering a PIN, and ask if I want cash back, which defeats the purpose of contactless payments (hello COVID). Merchants need to get their POS systems refined.
 
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Basically, every place I go doesn't accept Apple Pay. As far as I'm aware. Double checked them online and they all say they don't accept it. So, I just use my cards.

Two of them seem to require using their app for NFC payments via phone.

So, I haven't seen a point in setting up the wallet app and jumping through more hoops. At that point it becomes way less convenient than just using a card.

Maybe I misunderstand it. I just don't care enough to investigate further. As using a card is already convenient.

At any rate. Unless I can just seemlessly use it at 100% of card terminals. I won't bother with it. As I'd still have to carry the card with me.
 
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Personally, I really started to use Apple Pay for all payments after I bought an Apple Watch. The reason is because with an iPhone, I had to extract it from my pocket, so exactly the same thing than extracting my wallet from the pocket (that I was more used to do), it is not so faster than typing a code on a terminal because sometime FaceId does not work (and some terminal placed in a way that is very difficult to place the iPhone while looking at it), I don't see any advantage but security, however I never had a stolen credit card number or any other problem, so I don't care so much...

The Apple Watch is the game changer for Apple Pay because you have it always on your wrist, nothing to extract from your pocket or bag; moreover, sometime (for sport, or going to the beach, walking in my neighbourhood, in general any time I go out for a short walk of one hour or less...) I take with me ONLY the Apple Watch (LTE version) and the key of my home: no iPhone, no wallet...

For these reasons I started to use Apple Pay ALL THE TIME, but only when I started to use the Apple Watch. With iPhone, it is not so useful IMHO
 
It's gotten to a point where I can't find places that I'm not able to use it, rather than the other way around. Even at the DMV I've been able to use Apple Pay. The only places where it's unavailable are Walmart (which unfortunately is close enough to my house that I can't avoid it), some smaller businesses, and a handful of gas stations near me.

What's crazy is that when I use it, some people think I'm from the future or something. Like when I was at the DMV, the lady said I was the first person she saw use a phone to pay. And this was a large branch.
 
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i keep saying this: a LOT of places still don't have apple pay, even in big cities like new york or miami.

Very much disagree. Since the pandemic, I'd say 90% of places I visit (in central CT) have Apple Pay. That includes a growing number of restaurants. Whether they advertise that fact or not is a different story. And last time I was in the city, I didn't have to use my physical card once.
 
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This is probably why Apple released their own credit card, to continue to grow in the payment market
 
I've used Apple Pay up until my XS Max got so broken that it stopped working. Will be using it when I get upgraded next week.

I do still use the Apple Pay to people all the time.
 
Very much disagree. Since the pandemic, I'd say 90% of places I visit (in central CT) have Apple Pay. That includes a growing number of restaurants. Whether they advertise that fact or not is a different story. And last time I was in the city, I didn't have to use my physical card once.
i understand that your experience was different, but i live here, so either i'm lying, or there are still many places that don't accept apple pay.
 
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