It probably won't matter in a few years anyway, as the trade war with China, and lack of a workforce to deliver produce in the US, will probably destroy any retail business based on delivering cheap goods to market.
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Target Says it Has No Plans Underway to Accept Apple Pay in Stores
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It probably won't matter in a few years anyway, as the trade war with China, and lack of a workforce to deliver produce in the US, will probably destroy any retail business based on delivering cheap goods to market.
I feel like Walgreens aced this whole problem. I just wave my watch twice there and it catches my loyalty card and my payment.
We're not a fan of store credit cards (although I think Target has a debit card?). I'd rather accumulate the frequent flier miles on my CC anyway.
Riiiiiight. Because people never get mugged for their $600+ cell phones.
Many places want to do their own payment systems so that they can negotiate fees etc. plus as I recall, Apple has flat refused to give partners any statistical data about purchasing if its via Apple Pay. and most companies are loathe to not get that info.
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they want data. even if its just that customer X shops there every other saturday and spends at least $100 every trip, they want it. Apple won't give it
My point was more that Target is likely to be trying to find a way to create their own digital wallet so they can get that share of the fee (like what Walmart did).
Well, to turn your sentence around: "Target didn't create the Redcard for any sort of reason other than profit", it allows them to track your habits in even more detail.
No argument from me on that. I don't use credit cards, so I can't really go that route. But if Apple could figure out a way to get my family a 5% discount on everything we buy at Target (and we live 1/2 mile from one....so its pretty much the main place we shop) then I'd switch over to Apple Pay in a heartbeat.
E-receipts.
And if you work there, it does your employee discount automatically.
I'm willing to pay more for better convenience and more security. Plus I hate Walmart, and any excuse to stop shopping there I'll take.
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I shop at Walmart for other reasons, if Target had Apple Pay it trump those other reasonsWell have fun never using Apple Pay at Walmart too.
Mike
5% off is much more valuable than those miles.
Not sure how close you are to a Kroger (or other grocer that gives gas points), but with an Amex bluecash card you can buy Target gift cards and then get fuel points. Math works out to about 15-18% savings.
Yes
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Yeah its really sad, because they already have the hardware too.
I for most of the stores/sites I shop at regularly, I already have their app. That would include Amazon, Target, Smith's (Kroger), Safeway, Walmart, Sam's Club.... etc.
So whether or not their app handles payments, I have the app anyway. For Walmart, it's not as hard as some here seem to imply. It's easy to get to Walmart Pay in the app, eliminates paper receipts, and very easy to load receipts into savings catcher. Before I even get to checkout I usually have already used the app to price scan an item, check reviews, or whatnot. So it's no big deal to use it to pay. I do have Apple Pay enabled on my iPhone as well as Apple Watch. Sure I like using it, but I won't make decisions about what store to shop at based on it.
Mike
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Wow. To each their own but to me that sounds like cutting face to spite nose.
Mike
"How much money goes through Apple Pay?"
That's the only answer that matters. If it is little, why should Target help implement Apple Pay to make Apple richer? What does Target get?
Why doesn't Apple partner with some big chain stores to get the ball rolling. Apple has tons of money.
The current way with a plastic card, if I lose it, I can get a free replacement. That's not going to happen with Apple Pay.
to you maybe. but to some of us that travel a lot, those miles are more valuable
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target gets massive PR points for being current to tech and having customers using a system that has been designed to be highly secure and so far has not been hacked. Unlike their own systems.
actually you do. because your plastic card is still the basis of the system. and if your bank has things properly set up, they can transfer your Apple Pay to the new card the moment they issue it.
I think that's a mistake. Credit cards are safer than debit cards, since they have stronger consumer protections and fraudulent charges aren't immediately withdrawn from your checking account. As long as you pay in full every month (i.e. avoid building up a balance and paying interest) they have only advantages.
That's possible today. For example, there is a card from Amex that gives 6% cash back on groceries, and you can provision it in Apple Pay. This particular card has an annual fee though, so you have to check if your purchases justify the fee. I'm currently using another card (Sallie Mae from Barclay Card) which gives 5% without annual fee, but unfortunately they are discontinuing this card.
You can get a Target debit Redcard which is chip and pin. The credit Redcard is also chip and pin.
And for those griping about data mining using loyalty cards, you know you can put anything you want on the application, it doesn't have to be your real name and address.
IIRC, after they were hacked, they became one of the first (if not the first) major retailer to spend the extra millions to have each PIN pad encrypt card data as the customer swipes it. It leaves the PIN pad encrypted, and the only system that can decrypt it isn't located in any of their stores.
So in that sense, it doesn't seem like Apple Pay brings that much additional security to their environment, IMO.
It's really quite simple. Given the choice of retailers - with reasonable proximity and product equivalency - I too would elect to give my dollars to the store offering me the most convenience. If that criteria includes Pay... so be it. I'm willing to bet everyone does exactly the same, just with different criteria.
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The US is configured for Chip and Sign... because our banking system doesn't want to deal with the additional customer service layers of people who forget pins. I would much prefer this and indeed have been an advocate for years! Go ahead... take my card. Without the PIN it's useless. How did YOU get a PIN?
Part of increasing your security means *not* jumping on the bandwagon of new payment technology.