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Why the push back?

They feel like they are at an inflection point that gives them leverage to move in house. That will save them money (perhaps), provide better tracking (possibly even be tied to Bluetooth beacons), and possibly more loyalty (app can offer discounts, once app installed, likely to go back,etc).

At some point I believe they will be willing to accept any payment again. It's simply a cost of doing business. But dragging feet now gives them a chance at inroads into their own system.
 
Chase, Walmart, now Target. They will all fold. Watch. Now I'm using Apple Pay at Whole Foods, Rite Aid, Best Buy, Chevron, Home Depot (when it works) and recently many local mom and pop retailers I frequent here in Los Angeles are now accepting it. Frankly I'm using it more than ever.

The whole new Chip in a card reader thing is a DISASTER. It's such a nightmare SLOW process. Seriously Apple Pay is a great simple system.

Thank you for stating that. I'm getting bashed for saying the same thing here. Glad to see I'm not the only one that thinks this way. I envy you folks in LA (your Apple Pay adoption). :p
 
Target was asking for it. They used Microsoft products to store and handle sensitive customer data. Products that are the least secure, most hacked, and unreliable. And guess what? They got hacked because of that ease of hacking!



Has nothing to do. On the retailer side you just turn on NFC and it processes like every other payment. Android Pay is the same way. You get a virtualized card # that is processed like every other card.

And the nonsense about Apple's perception is nonsense. Year after year they are one of the most respected brands. You don't get that with the perception you allude to.
You're right. Microsoft is clueless, it's kind of stupid that they're used everywhere.

If only everyone would use everything Apple, we'd be living under the Apple dictatorship the worshippers pray for. :D
 
No other place does this (albeit, I haven't used a sim card credit card (starting to get them in the mail left/right) in any other location yet). So if it's possible for EVERYONE ELSE (well, almost everyone else) to be secure and use a swipe and pay before being done with transactions (Wal-Mart, Vons, Stater Bros, Lowes, Home Depot)....... it's a valid complaint in my opinion.

I have no problems with them being secure, at my local Target they have 20+ lanes and usually only 2-3 lanes are being used. Adding a delay to payment has caused even longer lines - something that the management doesn't seem to care about. People who go to my local Target have noticed this.

Dude, what are you even talking about?

A SIM card credit card? A sim card is smaller than the chip on your credit and debit card. It's called an EMV chip.

Swipe and pay isn't secure. The regulations say merchants must accept EMV payments or else they'll face charge backs for fraudulent charges. Target doesn't want to face charge backs, so they adopted EMV like most other companies will soon.

Why don't You use simple PayPass/PayWave credit/payment card ther in USA? It's the simplest, easyest , cheapest. No hustle with phone, QR code, all that crazy stuff. Just point Your wallet near the terminal and its done. We do it here since 2010 or more. Would never like to swith to some phone payment.

Well you see, here in America, people are too lazy to learn anything new. I believe some banks started giving out NFC cards years ago, but they all retracted (except for HSBC) because the stores and consumers didn't want to spend the money or learn something. That's why we still use cards with an magnetic film on the back of our cards.
 
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Chase, Walmart, now Target. They will all fold. Watch. Now I'm using Apple Pay at Whole Foods, Rite Aid, Best Buy, Chevron, Home Depot (when it works) and recently many local mom and pop retailers I frequent here in Los Angeles are now accepting it. Frankly I'm using it more than ever.

The whole new Chip in a card reader thing is a DISASTER. It's such a nightmare SLOW process. Seriously Apple Pay is a great simple system.

Apple Pay, Google Pay, Samsung Pay are great if you have a smartphone, for those that don't Chip cards work perfectly well
 
This point is completely irrelevant. Target and Wallmart want to a) collect consumer data, and b) save on transaction fees. Apple Pay transactions are completely anonymous and cost retailers a small transaction fee.
That's what Apple wants you to think.

It's typical Apple story telling to make them look warm and fuzzy.

It's working too, because Apple has unlimited marketing resources to bombard us with.
 
Oh please. Cost is king and if it’s cheaper there, (especially if the difference is big enough), you’ll brave the trip and make the sale Apple Pay or not.

Not everyone is price conscious nor is a payment solution the end of the world. However, incentives make the world go 'round. In other words, as time goes by and enough negatives surround Target people will go somewhere else or Target will realize that its foray into mobile payments failed. The aspects of this service that almost destine it to failure are the use of QR codes, trusting Target with credit card data and being a single-store solution.
 
Might I add that Target still does NOT take chip/pin cards yet. How about you get with the times and fix that first and THEN attempt alternative payment types

Why do I keep seeing insane amounts of ignorance on this thread?

Target accepts chip transactions, as of August 2015.

They don't control the PIN aspect of it... Since the banks control the programming of the card.
 
Dude, what are you even talking about?

A SIM card credit card? A sim card is smaller than the chip on your credit and debit card. It's called an EMV chip

I'd like to think I do but part of living is learning new things so I'll admit I don't know everything. You may be too young to remember (I consider myself an old fart already) but there were sim cards bigger than the "nano" sim cards used today. https://support.apple.com/en-us/HT202645 :p https://en.wikipedia.org/wiki/Smart_card
 
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A SIM card credit card? A sim card is smaller than the chip on your credit and debit card.

Actually a SIM card is the same size as a whole credit card, so it couldn't be smaller than just the chip on a credit/debit card.

Maybe you're thinking of a mini-SIM, micro-SIM, nano-SIM, etc. which would probably not be smaller than the chip on credit/debit cards.
 
Actually a SIM card is the same size as a whole credit card, so it couldn't be smaller than just the chip on a credit/debit card.

Maybe you're thinking of a mini-SIM, micro-SIM, nano-SIM, etc. which would probably not be smaller than the chip on credit/debit cards.

My chip on My Chase and HSBC cards are twice the size as the one in my iPhone...
 
Not gonna sign up for a Target card, not going to care about their solution to payment.

Hell, I'm still VERY annoyed Starbucks doesn't do ApplePay.
 
Proof of Target collecting consumer data... I remember my wife and I hitting the Target Pharmacy for a prescription. The next day we were both surprised to see that very prescription plastered all over Facebook (Ads).
 
If I remember correctly, Targets do have chip readers. I just use my chip card in there if needed. The rest of the time I use cash because I don't trust them very much after the breach.
 
We go to Target all the time. The new Target sim chip cards are a HUGE pain - they don't let you start paying until AFTER the last item has been scanned and the cashier is waiting for you. (Before the sim chip cards - you could process payment and be waiting by your cart before the last item scanned). This has been pissing me off to no end.

This isn't Target's fault. It's an intentional feature of the chip card.

With a magnetic strip, you could swipe the card and the terminal would store the information until the transaction was ready to be submitted. Incidentally, this is how Target was breached: the info on your magstripe was stored in memory, unencrypted. Malware installed on the point-of-sale terminal was able to snag the info and send it outside Target's network.

In contrast, the chip in your card is actually used DURING the authorization, to avoid a man-in-the-middle attack. The authorization request can't be made until your transaction is complete (and the amount is known).

Yes, you could insert your card into the slot before your transaction is complete. But, some merchants are not allowing it, so they don't have to worry about someone forgetting their card when checkout is complete.
 
Can someone explain why some companies are holding out? It doesn't seem like Apple is asking for much income from each transaction.
Lastly, If target is reading this, I am not looking for exclusive apps to be used at every store - I might as well keep all my credit cards in my wallet. I am looking for a single payment system on my watch or phone. I'd be willing to pay Target the extra penny per transaction for my convenience.
Extra cost + loss of customer purchase data.
 
My chip on My Chase and HSBC cards are twice the size as the one in my iPhone...

If you're referring to the contact patch, the chip is much smaller than the contacts.

Also if you're referring to the contact patch, I think you'll find if you take the nano-SIM or micro-SIM out of whichever iPhone you have, it's the same size as the contacts on your credit card. Unless your HSBC or Chase cards don't work in standard readers, then I don't know. It's all defined in ISO 7810, so anything out of standard is ... well, not standard.
 
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Wait so the app lets you use Apple Pay but the stores won't. Let Apple Pay and android pay do there thing and stop making stupid mobile payments.
 
Apple Pay transactions cost the retailer no more than transactions with the physical card. The small fee for Apple comes out of the bank transaction fees (in exchange the banks' cost for fraud is reduced slightly).

Didn't know, thanks for clearing up. Makes it even more outrageous that retailers have been slow to adopt it.
 
Unless you are cutting apart your card or x-raying it, what you see are the contacts for the chip -- not the chip itself.

True but that's what the person I quoted was talking about.

Either way it's still called an EMV chip, not a SIM chip.
 
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