Um.... The merchants ( Target ) and Apple don't. But the Card Issuers and the branded Card do, in this case that is the same as merchants ( Target )
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Target Begins Apple Pay Rollout at Select Locations
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Um.... The merchants ( Target ) and Apple don't. But the Card Issuers and the branded Card do, in this case that is the same as merchants ( Target )
I’m thinking that NFC payment popularity depends on your location. I live in the Midwest near St. Louis. In my personal experience I have never seen anyone (besides myself) use NFC while standing in a checkout lane. Furthermore, when I use Apple Pay at a merchant that accepts it the clerks still act surprised, as if it’s something new. Cash and Credit Cards appear to be the overwhelming norm in my neck of the woods. Could be another example of how tech oriented people live in a different world than the general population.
That's another couple of Internet myths. Merchants don't pay ANYTHING for Apple Pay. Apple charges the banks/credit card companies generally .015% or 15 cents on a hundred dollar transaction, which is more than made up by almost zero fraud. Bigger misunderstanding is that roll out is not privacy related. When you use Apple Pay an encrypted, one time use, token is sent from your phone directly to your bank instructing them to pay the merchant the amount on the reader. The merchant never gets any of your information from that transaction. That's why when a merchant's system gets compromised, you information doesn't go with the hack.
Target simply rocks.
And with their RED credit card we get 5% off (and free shipping) every-time. The 5% discount balances against my area taxes (at 6% for non-meds).
Couldn't care less about Apple Pay, as long as the RED card will not be added to the digital wallet.
[And, about "privacy", LOL!. Definitely there are deep secrets to unveil the purchases of over-the-counter shampoos and personal care, and household cleaners.]
And with their RED credit card we get 5% off (and free shipping) every-time. The 5% discount balances against my area taxes (at 6% for non-meds).
Couldn't care less about Apple Pay, as long as the RED card will not be added to the digital wallet.
[And, about "privacy", LOL!. Definitely there are deep secrets to unveil the purchases of over-the-counter shampoos and personal care, and household cleaners.]
You're doing it right. You have to ask yourself is it worth 5% to give Target your personal credit card information and other personal information, e.g., location, shopping habits, etc. Also, keep in mind that it is a cumulative process where that information is sold and redistributed to others to build a virtual dossier of every bit of your life. At least you aren't using an Android phone where a vast amount of your data is added to your dossier.
Used Apple Pay at Target in the Chicago suburbs over the weekend, easy and secure.
Actually the U.S. had wireless payments long ago (around the turn of the century), it wasn't everywhere but it was in alot of places and growing. However it was fundamentally flawed in that the card number was read with out encryption over the air. Someone with a reader could walk through a crowd at a train station and harvest numbers.. So it faded away. Apple Pay kicked things back into drive for it here, with security - but the retailers fought it cause they wanted to harvest user pay data (not one time use credit card numbers like Apple Pay).
Not sure if the wireless with the cards in other parts of the world are secure (would think so right?) or still the same problem as what we had long ago.
Actually the U.S. had wireless payments long ago (around the turn of the century), it wasn't everywhere but it was in alot of places and growing. However it was fundamentally flawed in that the card number was read with out encryption over the air. Someone with a reader could walk through a crowd at a train station and harvest numbers.. So it faded away. Apple Pay kicked things back into drive for it here, with security - but the retailers fought it cause they wanted to harvest user pay data (not one time use credit card numbers like Apple Pay).
Not sure if the wireless with the cards in other parts of the world are secure (would think so right?) or still the same problem as what we had long ago.
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No, not quite yet. The system has to take both NFC and bet set up to accept contactless payments and Apple Pay. Home Depot for example, has NFC readers, but has turned off acceptance of Apple Pay and others, and of course Walmarts and some others.
We have contactless and Apple Pay at our small single business. I would say 1 out of every 300 customers use it. And I live in a very tech heavy part of the USA.
In Canada, it’s also by store. The only reason we don’t notice is because most stores have had their terminals upgraded to accept tap payments.
There are a few holdouts still. The Bay has these huge clunky terminals they had custom made for all their stores a decade ago and have continued to maintain. You can’t Apple Pay at The Bay. Then there’s Hero Burger. They have tap payment enabled terminals but don’t accept Apple Pay, depending on the card. AMEX is very fidgety. Some merchants accept AMEX but not AMEX tap, so Apple Pay doesn’t work. INTERAC Tap works virtually everywhere tap payments are accepted.
Same here in WI. I will use Apple Pay and the cashier can't believe it works or is amazed at the technology. The sad thing is a lot of the cashiers do not know that Apple Pay or NFC is enabled. At one store I pulled out my X and placed it near the reader and they said that won't work. I told the cashier to hit credit and Apple Pay popped up and it worked like a charm. To me it seems that stores do not promote it nor do people know about it.
I have tried to get my father to use it and he thinks if someone steals his phone they will have all his CC info. I tried explaining how it works but I guess he is stuck in his old ways.
Remember that Target is the store who went beyond bragging about writing there own terminal software so they were not worried about hacking issues and then they proceeded to get hacked. Even though Apple Pay is safe I still don't trust Target with anything.
Although it doesn't display the screen above, Apple Pay is enabled at my local store in Long Beach CA as well.
I tried using Apple Pay at Target in New Hampshire on Saturday... that screen didn't show up and it didn't work.
I wish this rollout was smoother. It'd be nice to not embarrass myself every few weeks trying Apple Pay somewhere and having it not work for the last... 4 and a half years.
This was the killer feature that I bought my iPhone 6+ for, and it's still noteworthy when it works.
Worst. Rollout. Ever.
I wish this rollout was smoother. It'd be nice to not embarrass myself every few weeks trying Apple Pay somewhere and having it not work for the last... 4 and a half years.
This was the killer feature that I bought my iPhone 6+ for, and it's still noteworthy when it works.
Worst. Rollout. Ever.
I didn't get that display at my local Target this past weekend, but I was able to use Apple Pay.
They still haven't adopted chip and pin... it's chip and signature. Or chip and nothing else on smaller purchases.
Agreed, [truthertech].
Alternatively, if Costco/Visa would sell my purchasing habits, that would give a deep-dive on our behaviors. As most everything we spend, leverages Costco's 4%-3%-2%-1% exec-card discount plan.
They do. If you see that contactless symbol, or even just an Apple Pay logo, they accept all mobile payment wallets + contactless payment cards. There are exceptions in Chase Pay and Samsung Pay, however. If you only see one of those two it stickers either means the retailer accepts QR payment or magstripe payment, respectively.
I'm genuinely curious...
Is your business mostly walk-in retail (as opposed to mostly online/phone based)? And, are there sinage/materials near the reader to let people know ApplePay is accepted?
No, even "chip+pin" isn't a thing. Most places still swipe the card. In 2019.
One of the reason credit card fraud such a big problem in that country. If you use technology of the 80s... well... then you get security of the 80s.
But the banking system in the US is generally a joke... most banks aren't even connected to SWIFT network, if you want to transfer money there you have to go over an "intermediate" bank to forward the money.
Unfortunately, that's a common problem. Even in Europe where NFC is practically available in any store they have often no clue about payment methods. For me it's completely absurd to employ someone to work with a payment system and NOT educate them on them. I sometimes wonder if the cashiers actually know how to verify if money is fake or not.
In any case, stores that ignorant to skill requirements of their empoyees deserve to learn it the hard way.
There weren't many of the early contactless cards or places to use them, but there was a lot of news stories about "how someone could steal your number!" (despite how many places there are skimmers or database breaches?) and the technology never caught on. Eventually card issuers stopped issuing contactless cards and it wasn't until recently that it started making an appearance on cards again (some individual cards kept it for world travel, but now many issuers are applying it across the board). Even still, there are people freaking out about contactless cards and how they're "so mad at Chase for forcing that on them."
Basically, there's still fear and why RFID-blocking wallets are such a thing on Amazon. I suspect there are circumstances that there could be an issue, but I rarely have anyone that close to me in public where it could've been an issue on the early cards. I have a friend that's convinced that Apple Pay is a breach waiting to happen, gives me grief if I use it, and I gave up on arguing with any logic long ago.
Typically there are two types of NFC contactless - magstripe emulation and contactless EMV. Most physical cards do both, but Amex on Apple Pay only does magstripe emulation, which causes issues in some places that aren't properly configured. I've run into that at a few places (and Discover on Apple Pay only runs in contactless EMV mode, so it also is a bit more inconsistent).