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How is it more complicated then using a physical card?

Perhaps Initially while setting it up, if you aren’t technology inclined. My mother could never set it up her own. My brother either to be honest. ¯\_(ツ)_/¯

Beyond setup though, I find Apple Pay quick and efficient

Edit: not that setting up Apple Pay is difficult either, it does most of the work for you. But for people like my brother, it’s never going to happen. Then again, he would never download or use a Walmart or Target App either

Edit 2: I also remember when Costco had no plans to accept any form of payment other than cash/check/American Express. Sometimes they come around. Slowly, but they come around.
 
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I avoid Amazon like the cancer it is. Simple to find a smaller online retailer for that obscure part and help out them. Or go to the local hardware store that can get a lot of it. Or even shop in the local big box store which employs hundreds of locals which then support the other local businesses.

For stuff that's hard to get locally (like camera equipment), I'll do B&H - prices better than Amazon and I have it in a day with 0 membership. Or do Best Buy/Walart ship to store. Walmart will send it to you in 2 days free with no membership. And there's 3 of them on the way home from work. Cables and such come from Monoprice. Computer parts from MicroCenter.

It's quite easy to never shop at Amazon and still get the stuff.
Yeah, not to mention there are a lot of counterfeits on Amazon. I feel like I've been pretty lucky so far but I tend to avoid third parties on there if I can help it. I wish they would do more to address that. Yeah, I tend to buy bigger purchases of my camera gear on B&H. Last autumn I ordered my Sony a7R III from them and got a sweet deal because it included a free 64GB 300MB/s UHS-II SD card that was worth like $150 or more. The problem though is the package got lost and the customer service wasn't very useful in helping out. Turns out they put it on some truck at their facility and forgot about it and some other things. I've never had that happen ever on Amazon—they're a well-oiled but soulless machine, lol. The other thing is I don't like putting my credit card info into a lot of different websites. It's generally safer to only shop at a few online stores than dozens.
 
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Yeah, not to mention there are a lot of counterfeits on Amazon. I feel like I've been pretty lucky so far but I tend to avoid third parties on there if I can help it.

Me too. I wish Amazon would do more to prevent unscrupulous merchants from “buying” favorable reviews to gain preferred or recommended or whatever that status is too.

I purchased an item a month or so ago that ended up being mostly crap, so I posted a review starting off with the positives, then the negatives (which far outweighed the positives) and have it a 2/5 review. A couple hours later I hear from the vendor offering to let me keep the items I received, a full refund for the item and another gift item if I would delete my review or alter it to be positive and give them 5/5. I told them no thanks and instead altered my review to add the email they sent.

It was nice that they were willing to offer a refund for a subpar product, but not contingent upon my giving them 5/5 and deleting my negative comments, for what is a mostly crap product. I trust Amazon user reviews far less than I used to now. Not that I ever really trusted them
 
You still need to have your ID on you though, especially if you’re driving. I’ve been thinking about switching to this case (presuming they make one for the iPhone Xs Plus or whatever they call it). One slot for your ID and the other for a back up credit card for places that don’t accept Apple Pay. In the case of Costco, swap the credit card for the member ID card before I walk out the door since we know they take Apple Pay and I’m coming home right afterwards. Then I really could leave my wallet at home.

Costco should be able to make it electronic though if they wanted. Apple Pay supports loyalty programs. If you have Balance Rewards from Walgreens it registers it automatically when you pay without you having to input your number. Costco could do this for their membership cards.

My backup card IS my primary credit card, so this would be a pretty efficient. Setup. Wait, I still have to carry my RF tag for work, also have my medical card on me, and need to carry cash for the local train station that doesn't accept credit cards. So yeah, unless you live in a very tiny bubble, you likely can't live off just your phone yet.
 
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Honestly who cares, when Amazon starts to open its retail stores across the world Walmart will quickly become the next K-Mart.
 
Where in that earnings statement did they break down revenue from Amazon?
They don't name Amazon specifically but show the numbers for packages. Amazon has to be by far the largest shipper of packages on USPS, since pretty much everything one buys on Amazon is shipped through them in the US. Also, the Prime ones are shipped within 2-3 days usually, which would normally be a premium rate. You can look at estimates of Amazon's numbers for US shipments.

Unrelated but I stumbled upon this article, where they claim the law about shipping below cost uses some outdated constants from 2006: http://fortune.com/2017/07/16/amazon-postal-service-subsidy/
 
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Me too. I wish Amazon would do more to prevent unscrupulous merchants from “buying” favorable reviews to gain preferred or recommended or whatever that status is too.

I purchased an item a month or so ago that ended up being mostly crap, so I posted a review starting off with the positives, then the negatives (which far outweighed the positives) and have it a 2/5 review. A couple hours later I hear from the vendor offering to let me keep the items I received, a full refund for the item and another gift item if I would delete my review or alter it to be positive and give them 5/5. I told them no thanks and instead altered my review to add the email they sent.

It was nice that they were willing to offer a refund for a subpar product, but not contingent upon my giving them 5/5 and deleting my negative comments, for what is a mostly crap product. I trust Amazon user reviews far less than I used to now. Not that I ever really trusted them

If they’re going to be scummy like that I think the best course of action would be to alter the review, get the refund and the gift, and once you receive both change the review back and include that email in the updated review.
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My backup card IS my primary credit card, so this would be a pretty efficient. Setup. Wait, I still have to carry my RF tag for work, also have my medical card on me, and need to carry cash for the local train station that doesn't accept credit cards. So yeah, unless you live in a very tiny bubble, you likely can't live off just your phone yet.

Obviously this isn’t going to work for everyone. I work from home and live in NYC. For everywhere I would go a single credit card and my drivers license is enough.

Hell, as it is now I kind of do this already. A lot of times if we’re going out I’ll just give my wife my license and a single credit card of mine for her to keep in her purse.
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They don't name Amazon specifically but show the numbers for packages. Amazon has to be by far the largest shipper of packages on USPS, since pretty much everything one buys on Amazon is shipped through them in the US. Also, the Prime ones are shipped within 2-3 days usually, which would normally be a premium rate. You can look at estimates of Amazon's numbers for US shipments.

Unrelated but I stumbled upon this article, where they claim the law about shipping below cost uses some outdated constants from 2006: http://fortune.com/2017/07/16/amazon-postal-service-subsidy/

I’m done with this argument. Reason will clearly not work with you. You obviously think the people in charge of the USPS are so incompetent that they would act against their own best interests and make a deal with Amazon to deliver packages that would lose them money.
 
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I’m done with this argument. Reason will clearly not work with you. You obviously think the people in charge of the USPS are so incompetent that they would act against their own best interests and make a deal with Amazon to deliver packages that would lose them money.
USPS isn't a private corporation but a branch of the US govt. The employees at the top don't own any part of it, so they've no reason to maximize profits. I don't know why they made a bad deal, but all evidence shows that they did, and there are many possible reasons. But ok, I know this is getting off-topic.
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Yeah, not to mention there are a lot of counterfeits on Amazon. I feel like I've been pretty lucky so far but I tend to avoid third parties on there if I can help it. I wish they would do more to address that. Yeah, I tend to buy bigger purchases of my camera gear on B&H. Last autumn I ordered my Sony a7R III from them and got a sweet deal because it included a free 64GB 300MB/s UHS-II SD card that was worth like $150 or more. The problem though is the package got lost and the customer service wasn't very useful in helping out. Turns out they put it on some truck at their facility and forgot about it and some other things. I've never had that happen ever on Amazon—they're a well-oiled but soulless machine, lol. The other thing is I don't like putting my credit card info into a lot of different websites. It's generally safer to only shop at a few online stores than dozens.
Yeah, I feel like Amazon used to be the place to avoid counterfeit junk, but now it's all over the place just like eBay. Luckily many things I need are Prime, and the Prime stuff tends to be legit.
 
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Look out superior people that *don't shop at Walmart*!

That condescension looks good on you. Really.

It's not condescension. It's making a personal choice to not financially support a retailer that wipes out small businesses in every town that they move into. Here in Canada, that means profits being shipped over the border into the US. How is that good for our communities, exactly?
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It's one thing to insult the company that refuses to allow a payment method, it's a totally different and unrelated thing to attack their customer base.

Walmart does not make the world a better place. It facilitates unhealthy buying and unhealthy eating. Yes, Walmart is not shoving unhealthy food down people's throats, but they are basically giving it away for free at their low costs. The only people that truly benefit from this enterprise are the owners.
 
I do shop at Wal-Mart, and I pay with Amex. Every time. Have since they started this b.s.
Amex has the highest fee for merchants.


Exact same here. If they won’t take Apple pay, I’ll use whatever method costs them most.
 
It's not condescension. It's making a personal choice to not financially support a retailer that wipes out small businesses in every town that they move into. Here in Canada, that means profits being shipped over the border into the US. How is that good for our communities, exactly?
[doublepost=1535068692][/doublepost]

Walmart does not make the world a better place. It facilitates unhealthy buying and unhealthy eating. Yes, Walmart is not shoving unhealthy food down people's throats, but they are basically giving it away for free at their low costs. The only people that truly benefit from this enterprise are the owners.

Right, because Apple is such a lovely charity. Don’t fall for the marketing. Apple and Walmart both have the same goal. Maximize profits!
 
I'm flying back from Europe in a couple of hours. It's been a lovely vacation - generally, no question as to whether or not a store accepts Apple Pay. Almost every place that takes cards has contactless working too. It just works. Corner stores, mom and pop hotels, hostels, tiny shops. About the only places I couldn't use it were some ticket metro machines that don't have contactless capability.

When I get home, I'll be lucky if 30% of the places I go accept it. Half of them are using Square, most of those don't have the chip terminal, and of those that have normal credit card terminals, a good portion don't have contactless or don't have it enabled.
 
You may be pleased to hear that a few years ago, they tried to enter the German market and had to leave with their tails between their legs. Since they were not in a position to dictate to their suppliers, who all knew that doing business with Walmart was a bad idea, they couldn’t compete on price, quality or anything.

Walmart has also failed in the UK. It came in all guns blazing and bought the 3rd largest retailer. It is still the 3rd largest and, if anything, gone backwards with the discounters Aldi and Lidl eating away at the low end. It has now proposed a sale of Asda to the second largest retailer, Sainsbury, which is now going through the usual competition checks, while it will retain a minority stake in the merged company.

https://www.bbc.co.uk/news/business-45284885
 
Exactly. CVS didn't take it and was smug about their choice not to (even having the right NFC point of sale hardware and specifically writing code to stop it from accepting Apple Pay), so I and many others haven't shopped there since. Hitting a walgreens or local convenience store is just as easy, there's always a choice. I don't even use Apple Pay every time I shop, it's the principle of being on the wrong side of history to what consumers want, what level of privacy they deserve, and the incentive to push technology forward for everyone instead of sticking to consumer-hostile garbage like the MCX consortium is doing. If there's any big company I trust with my info, it's Apple. They have the best track record for honesty and privacy.

Now it looks like there was enough incentive for CVS to stop their BS and accept it, as Tim has announced.

CVS may not take it but Walgreens is across the street and they do.
 
Walmart does not make the world a better place. It facilitates unhealthy buying and unhealthy eating. Yes, Walmart is not shoving unhealthy food down people's throats, but they are basically giving it away for free at their low costs. The only people that truly benefit from this enterprise are the owners.

Walmart, like any other grocery store has healthy and not-so-healthy options. They aren’t shoving anything down people’s throats. They are selling groceries. It is up to you what you buy.

The lower priced at Walmart have forced other stores to lower their prices to compete. Walmart, like others will price match other stores. In some places, it is not just the best option for groceries but the only option for groceries.
 
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Bunch of anti Walmart people.....i go to Walmart to get some good stuff...i use cash or card. 1st world problem?

Yeah I notice a lot of snobbery going on here.

I guess if you make 6 figure salary you can avoid shopping at Walmart. Must be nice.

I'm a teacher so I get teacher pay. I live overseas but when I'm back home in the states, I buy all my groceries and classroom supplies from Walmart.
 
Walmart has also failed in the UK. It came in all guns blazing and bought the 3rd largest retailer. It is still the 3rd largest and, if anything, gone backwards with the discounters Aldi and Lidl eating away at the low end. It has now proposed a sale of Asda to the second largest retailer, Sainsbury, which is now going through the usual competition checks, while it will retain a minority stake in the merged company.

https://www.bbc.co.uk/news/business-45284885

It will be a substantial minority stake, to be fair, at 42%. If they still care about the UK market I wouldn’t be surprised raise their stake to above 50%.
 
It will be a substantial minority stake, to be fair, at 42%. If they still care about the UK market I wouldn’t be surprised raise their stake to above 50%.

It looks big but Walmart is taking a back seat and letting Sainsbury do the hard graft, hoping that 42% of profits is better than 100% of nothing much. Can't see Sainsbury surrendering control to outsiders. Culturally, they are worlds apart.

Walmart tried its pile 'em high strategy and watched as the German discounters blew it away.
 
People still shop at Costco? Costco is like Walmart except you have to buy in bulk, pay a membership and deal with much longer lines. Even their gas price isn't any lower than regular gas stations.
 
Me too. I wish Amazon would do more to prevent unscrupulous merchants from “buying” favorable reviews to gain preferred or recommended or whatever that status is too.

I purchased an item a month or so ago that ended up being mostly crap, so I posted a review starting off with the positives, then the negatives (which far outweighed the positives) and have it a 2/5 review. A couple hours later I hear from the vendor offering to let me keep the items I received, a full refund for the item and another gift item if I would delete my review or alter it to be positive and give them 5/5. I told them no thanks and instead altered my review to add the email they sent.

It was nice that they were willing to offer a refund for a subpar product, but not contingent upon my giving them 5/5 and deleting my negative comments, for what is a mostly crap product. I trust Amazon user reviews far less than I used to now. Not that I ever really trusted them
I use this site all the time to help determine the true review score on Amazon: https://reviewmeta.com
 
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Yeah, not to mention there are a lot of counterfeits on Amazon. I feel like I've been pretty lucky so far but I tend to avoid third parties on there if I can help it. I wish they would do more to address that. Yeah, I tend to buy bigger purchases of my camera gear on B&H. Last autumn I ordered my Sony a7R III from them and got a sweet deal because it included a free 64GB 300MB/s UHS-II SD card that was worth like $150 or more. The problem though is the package got lost and the customer service wasn't very useful in helping out. Turns out they put it on some truck at their facility and forgot about it and some other things. I've never had that happen ever on Amazon—they're a well-oiled but soulless machine, lol. The other thing is I don't like putting my credit card info into a lot of different websites. It's generally safer to only shop at a few online stores than dozens.

I've always had great CS from B&H and being relatively close to them means ground is overnight. And when I have had questions they always have the correct answers.

Credit card details don't bother me - they all have fraud protection and I never use one connected to my bank (debit) so I'm not concerned. I always watch my finances like a hawk though.
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Honestly who cares, when Amazon starts to open its retail stores across the world Walmart will quickly become the next K-Mart.

LOL. Guess you missed where WM's sales were up this quarter and year. And Amazon won't be doing retail as it's very costly and the retail side of Amazon is a moey losing operation.
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Walmart does not make the world a better place. It facilitates unhealthy buying and unhealthy eating. Yes, Walmart is not shoving unhealthy food down people's throats, but they are basically giving it away for free at their low costs. The only people that truly benefit from this enterprise are the owners.

That's hilarious right there. While I don't grocery shop @ Walmart the food selection is the same and priced about the same as the other grocery stores in the area. About the only thing I can fault them for is often their packages have less in them than other stores but the food is the same.
 
I've always had great CS from B&H and being relatively close to them means ground is overnight. And when I have had questions they always have the correct answers.

Credit card details don't bother me - they all have fraud protection and I never use one connected to my bank (debit) so I'm not concerned. I always watch my finances like a hawk though.

Yeah they claimed it was because of the holiday rush but it was supposed to get to me around December 1st.

I watch mine closely as well. I think a big reason for my paranoia is I worked in banking for a little while before going back to college and that was more of a wild west time for online fraud. Customers were coming in all the time in tears and the process would take weeks to months to get everything sorted and even longer to repair things like credit scores. It was a massive hassle. I think nowadays they have better systems in place to deal with it but it still really freaked me out and made me really conservative with things like that online. It’s actually part of the reason I’m such a big privacy advocate and refuse to use networks like Facebook. I’ve seen first hand over and over how people’s identities are stolen online. I even hesitate to post things on here. I almost posted the model of my first car on here the other day in an unrelated discussion and caught myself since it’s often use as a security question on lots of sites. Deep machine learning is getting to the point where even anonymous users online can be tracked down based on writing styles that match known samples. It’s crazy. Though I’m not even anonymous on this site just because I’ve used it forever.
 
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