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Target Says it Has No Plans Underway to Accept Apple Pay in Stores

macduke said:
They're looking at using a QR code system like Walmart? I don't often shop at Walmart, but when I do, I always see that stupid thing and I ask the cashier every single time if anyone has ever used it. Not a single cashier has ever had anyone use it. Not one across locations in multiple cities hundreds of miles apart over the past year since it was first available! I'm not sure how that could be seen as anything but an abject failure. It's inevitable that they support these payment systems, so the sooner they can get their heads out of their tears the better. They're just wasting time and money setting up these alternative systems that are doomed to fail. Nobody wants a separate mobile wallet for every single store they might use! It's madness to think such a thing.
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I use Walmart Pay every time I shop there. It's so simple. Walk up, scan the code, put your phone back in your pocket and check out. Walk away at the end, submit the receipt to savings catcher on the way out of the store.

It's highly logical and I prefer it over holding a phone to the terminal.
 
coolbreeze said:
Wait, you won't shop there because you can't hold your phone to the terminal to pay? That sounds petty af.
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More like, Target can't be trusted to follow industry standards to secure credit/debit card transactions. "Holding your phone to terminal to pay" (i.e. ApplePay) makes it impossible for Target to screw that up due to their own incompetence.

I would say Target blocking their customers from using an actual secure payment method is "petty af".
 
nburwell said:
My fiancée and I get the same song and dance every time we shop at our local Target (which is weekly since we do our grocery shopping there). While we have yet to encounter a rude Sales Associate, it's still a bit annoying to hear, "Are you paying with your Target RED Card to save 5% today?"

I'm sure management pushes it on the associates. But come on now.
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I used to work in retail and it's actually an anti-deiscrimination issue from the federal government. If I don't ask a customer, I am assuming they can't/shouldn't have a credit card. So don't beat up on the poor cashiers
 
Relentless Power said:
I agree with @macfacts. "Incredibly slow" seems like an exaggeration in some respects. The terminals in my area are more than fast enough to process my payment from the chip.

It could depend on the connection speed from the terminal host to the bank. Either way, in my area, inserting my card is faster than swiping my card. It's no comparison. Again, it. It depends on certain aspects and experiences vary. But you can't speak for every transaction experience with a chip.
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Actually, card processing in the US has always been pretty bad. I remember CVS being extremely slow even with swiping, for instance. Chip basically made the problem a lot more apparent.
 
Mlrollin91 said:
Inserting the card to read the chip is incredibly slow. Much slower than swiping the card.
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Oh they're slow here in the US. I think most of these places are going for the cheapest solution possible. That being said, Target have the slowest chip readers I've used.
 
Kaibelf said:
That's a shame. I honestly have been using them less and less because I just don't trust their infrastructure anymore, and I don't want to be hounded (sometimes rudely) to save 5% on their dumb card.
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Are you sure you don't want a red card?! There's always the debit card which you just link to your bank account! Here just give me a voided check and I'll go sign you up right now. What? No? You mean you don't want to save money?
 
As I said on the previous Target thread, before the rumor was proven false, the 2 times my cc had been hacked were both because of Target. I didn't use them much before those times-not particularly convenient for me- and I've quit using them after the second hack. I can't say I would use them a lot, once again, not close to work or home, but I wouldn't avoid them the way I do now.
 
Derekuda said:
This is about the dumbest thing ive read all morning? please to explain why you would change all your life shopping to a store that used Apple pay? Unless your getting a kickback or something, all your doing is giving apple even more money and driving up costs of products for the rest of us.
FYI, just use cash. It works EVERYWHERE!
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Maybe because everyone isn't like you? Chill…
 
arkhanjel said:
Oh they're slow here in the US. I think most of these places are going for the cheapest solution possible. That being said, Target have the slowest chip readers I've used.
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When chip readers were initially installed in the UK they were pretty rubbish in some places but now they are much better so fingers crosssd it will be the same over there soon.

Where I used to work (over 10 years ago) they initially just bodged them on to really ancient tills. The tills used to lose connection to the pin machines on a regular basis and You'd be stuck with the message 'use card reader' on the till unable to do anything until a supervisor cancelled it!
 
Mlrollin91 said:
But it does not take 15 seconds for the swipe and processing to occur, maybe 5-10. The chip takes 15 seconds at Target. Its not a joke, that is how long it takes.
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I've seen different amounts of time, varying by quite a lot, even at the same stores. So it's probably dependent on network traffic. Honestly though I don't see processing time as being much if any different than swipe. It only seems like longer because you have to wait for the card to release.
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ohio.emt said:
Who is still doing chip and sign. I've only had to do that a couple of time when they first started really big push to use the chip. For me now it's been a pin number or noting if it's not that high of a transaction. I'm wondering if it's not a retailer thing instead of banks. Since when switch first started I had to do signatures but only at certain retails others excepted the pin.
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Presumably it's up to the retailer (and their contracts with the banks) when you will be required to sign. The policy is over a certain amount requires a signature, seems to around $20 generally. Just to be clear, we are talking credit cards, not ATM cards. I don't have any chip credit cards with a PIN. I don't know any U.S. banks that are issuing a chip and PIN card.
 
coolbreeze said:
I use Walmart Pay every time I shop there. It's so simple. Walk up, scan the code, put your phone back in your pocket and check out. Walk away at the end, submit the receipt to savings catcher on the way out of the store.

It's highly logical and I prefer it over holding a phone to the terminal.
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And you would do this for the 15 stores you shop at on a regular basis? I'd argue that most people would not. I also don't want Walmart, or any other business tracking my activity in their stores, which is the whole point of them creating these systems.
 
tasset said:
Target, Walmart, and Kroger have no plans to EVER accept nfc payments from ApplePay or AndroidPay that would exclude them from data collection. That customer identifying information is far too valuable for them to just give up. When I shop at those retailers I choose to just pay with cash or gift cards. Hysterically I often buy Target gift cards at Kroger for the free gas!
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Don't give them the luxury of paying no fees with cash. Screw that. I use an Amex gift card which makes them pay Amex rates!
 
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Mlrollin91 said:
Inserting the card to read the chip is incredibly slow. Much slower than swiping the card.
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I think this is an individual reader issue than a general problem with chips. At Walmart chip transactions are just as fast as swipes. At some other stores it's a bit slower, but nothing id ever call annoyingly slow.
 
zorinlynx said:
I think this is an individual reader issue than a general problem with chips. At Walmart chip transactions are just as fast as swipes. At some other stores it's a bit slower, but nothing id ever call annoyingly slow.
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I think it really is dependent on the machine. 99.99% of the retailers I go to use one machine, so its the same speed on all of them. I don't go to Walmart (Target is closer) so maybe they use a different machine now?
 
IJ Reilly said:
I've seen different amounts of time, varying by quite a lot, even at the same stores. So it's probably dependent on network traffic. Honestly though I don't see processing time as being much if any different than swipe. It only seems like longer because you have to wait for the card to release.
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Presumably it's up to the retailer (and their contracts with the banks) when you will be required to sign. The policy is over a certain amount requires a signature, seems to around $20 generally. Just to be clear, we are talking credit cards, not ATM cards. I don't have any chip credit cards with a PIN. I don't know any U.S. banks that are issuing a chip and PIN card.
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Most MasterCard credit cards are Chip & PIN rather than Chip and Sig. notable exceptions are USAA and Citi
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zorinlynx said:
I think this is an individual reader issue than a general problem with chips. At Walmart chip transactions are just as fast as swipes. At some other stores it's a bit slower, but nothing id ever call annoyingly slow.
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O'Rielly auto parts has extremely fast chip readers. Feels like a gas pump card reader. You insert and it tells you to remove right away and it is approved!

It's definitely how the store is configured not the chip or cards themselves.
 
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coolbreeze said:
I use Walmart Pay every time I shop there. It's so simple. Walk up, scan the code, put your phone back in your pocket and check out. Walk away at the end, submit the receipt to savings catcher on the way out of the store.

It's highly logical and I prefer it over holding a phone to the terminal.
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I have never shopped at Walmart so I don't know. How do you scan the QR code without holding your phone to the terminal?
 
Derekuda said:
This is about the dumbest thing ive read all morning? please to explain why you would change all your life shopping to a store that used Apple pay? Unless your getting a kickback or something, all your doing is giving apple even more money and driving up costs of products for the rest of us.
FYI, just use cash. It works EVERYWHERE!
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It's macrumors. Lots of hyperbolic statements regarding Apple-related topics. If you expect them, then reading forum comments becomes slightly less painful. And smiley face added so the mods don't ban me for this comment
 
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zorinlynx said:
I think this is an individual reader issue than a general problem with chips. At Walmart chip transactions are just as fast as swipes. At some other stores it's a bit slower, but nothing id ever call annoyingly slow.
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This. Agreed 100%. What most don't consider is the time frame from the time the host terminal host has to connect to the bank, which can slow the process down. I have never had an issue with any transaction, each situation varies. One forum member is making sweeping generalizations without evidence supporting their anecdotal claims.
 
tasset said:
Target, Walmart, and Kroger have no plans to EVER accept nfc payments from ApplePay or AndroidPay that would exclude them from data collection. That customer identifying information is far too valuable for them to just give up. When I shop at those retailers I choose to just pay with cash or gift cards. Hysterically I often buy Target gift cards at Kroger for the free gas!
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I don't see why an NFC payment would change anything about customer data. Its simply the payment method. My Kroger card would still be needed for the "discount" and likewise for the other stores. When it comes time to use my debit card to pay, they have either collected my info or they haven't. If this were the case they would stop taking cash.
 
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