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A lot of retailers aren't allowing people to insert debit cards right now, Walgreens included. It's so they don't have to run them over Visa/MasterCard's network.

I'm sure the banks love that.

A large number of retailers in the US actually:

1. Really, really resent Visa and MasterCard and
2. Love violating people's privacy by tracking them without consent.

Because of that they'd rather people go back to using cash (because they got fed up with EMV's long wait times) than even think about losing #2 by enabling NFC. Which is why it will take a very long time before NFC acceptance becomes common, if it ever does.

That's the retailer's problem, and shouldn't be anybody else's. The steal money from us just as much as MasterCard and Visa steal from them. How else will Visa and MasterCard cover fraud costs and pay their employees?
 
That's the retailer's problem, and shouldn't be anybody else's. The steal money from us just as much as MasterCard and Visa steal from them. How else will Visa and MasterCard cover fraud costs and pay their employees?

I'm not saying I support the retailers' actions, just why they're being so resistant. I don't think businesses in other countries have ever thrown as much of a fit about accepting cards as American ones are currently doing, though I could be wrong on that.
 
See this is the problem -

The government should step in and say, "You want a business? Fine, but you're taking AMEX, Discover, Visa & MasterCard, and you're going to prompt customers to dip their EMV card and enter a pin no matter if it's credit or a debit payment, and you're going to enable NFC payments and that's that. If you don't like it, tough."

The American government should grow a pair of balls for once.
 
Either way the lady should've known to dip the card and not swipe it there.
FWIW, not all retailers that are accepting EMV credit are currently setup to accept EMV debit. So just because you dip for credit cards in a store doesn't necessarily mean you also dip with debit cards.

Chase specifically tells its customers with EMV debit cards to swipe them first, and only dip them if instructed.

Clerk: "Sir, I need the last four digits of that card."
Me: "I don't have the card with me. It's Apple Pay. You know? Secure. Can't use it without it actually being me?"
Clerk: " ..... "
Don't forget, Apple Pay uses a token, which is a completely different card number. Even if you had your physical card with you, the last four of that wouldn't match what Apple Pay sent.

Anyone know if it's possible to enter Walgreens card details manually into Apple Wallet? I don't have my physical card, but I know my card number. Just entering the number in the Apple Wallet app doesn't work though.
Yeah, I did that this morning using the Walgreen's iOS app. Well, I guess that's not exactly entering the details into Apple Wallet directly, but I was able to type the number into the Walgreens app, which put the card into the wallet.

Yeah that would be cool to just have one rewards card. New job sector compeating for rewards cards maybe
Like Plenti? www.plenti.com

Though honestly retailers are even screwing that up; US chip terminals take much longer to run cards than ones outside the US.
Hmm, the whole part of reading/writing to the EMV cards is controlled in an area of the terminal that the retailers have no access to.

I'm sure the banks love that.
Actually, since the retailer is liable for any fraud in that situation (when an EMV card is swiped instead of dipped), I'm sure the banks actually do love that. lol
 
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You _do_ have last four digit. For the Watch, it's a bit trickier though as you have to go to the Watch app on your phone, to Wallet, and then click on the card. It'll be under "Device Account Number".

That's not the point. The point is that I should not even have to give it to them. The payment method is virtually foolproof, almost eliminating the potential for fraud. It's been available for over a year. A YEAR! A major retailer that cannot get their act together in that amount of time is just inexcusable.

Of course this is the same retailer that asks for my phone number every time I check out, even though I always tell them no...
 
The payment method is virtually foolproof, almost eliminating the potential for fraud. It's been available for over a year. A YEAR! A major retailer that cannot get their act together in that amount of time is just inexcusable.
LOL that most of us are just trying to find a place that will take NFC/Apple Pay in the first place, while you're upset that a place that takes it is asking for some more info. :D
 
Ok, this is what I was told at the store here. I did turn on the option to automatically select the Rewards card while at the store but didn't notice anything different than any other time. As stated here, the terminal is not waiting on me to scan a rewards card because EMV requires me to wait until the end. I did try to scan my rewards card at the end of the transaction but the terminal just said it was not a valid form of payment. We backed up the screen where a rewards card could be scanned, nothing happened via NFC so we scanned the barcode which gave me the points. I did pay with Apple Pay in the end. The cashier said they have no idea how the rewards card would combine with the payment card unless something changes because as it is now, you can't add the rewards card info until the end. So, maybe something will change and I just could not figure it out but as of today's test, its no different than it was last time I made a visit.

Edit: I just added my card to wallet again to see if anything was different. It asked if I wanted to select the card automatically, I said yes. I did this on the other card that was already in my wallet via a switch in the card info. Doubt this will make a different but thought I would add this detail.

Edit 2: found a link to an article on CNET showing the process they found. If you notice the terminal, it says "Please enter your phone number or tap your device". When I tried today I only had the option to enter a phone number. So, I think I was just a little early to the store I tried and yes, it does take two taps to complete the transaction. One for rewards, one for payment according to this link. http://www.cnet.com/news/walgreens-first-to-link-loyalty-program-to-apple-pay/

Thanks. I had the old version of the card already in my Wallet, and couldn't do anything with it. I deleted it, and then went to the Walgreens App, and readded to "Passbook" and now the card is different in the Wallet.app. Before, it was white with the barcode. Now it is blue and says "Touch ID to Apply" and a button to Show Code.

Anyone know if it's possible to enter Walgreens card details manually into Apple Wallet? I don't have my physical card, but I know my card number. Just entering the number in the Apple Wallet app doesn't work though.

No, but if you have the Walgreens App, you can add it to that manually, then use the app to add to Wallet.app, as @gsmornot stated

You can't. You will need to install the Walgreens app (and keep it on your device). Through the app you will be able to login to your account and then add your card to "Passbook".
 
I find retailers reward systems odd. I guess I do not spend enough money at any one retailer to justify them capitalizing on my identity/habits in exchange for a few magic beans (points accumulated). If they ever have one-off sales I just ask the clerk for a new card, and then promptly toss it in the gutter on the way out.
Credit card rewards though, that's different.
 
Not true. I can insert my chip enabled credit card into the reader at Target before the cashier has even finished scanning all the items.

You can insert it before the cashier is done scanning, but the reader won't even think about doing anything with it until the cashier's done and totals up the purchase.

Without a chip card, you can swipe it and put your card back in your wallet before the cashier's done.
 
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TIL Crate & Barrel turned on their NFC terminal!



You _do_ have last four digit. For the Watch, it's a bit trickier though as you have to go to the Watch app on your phone, to Wallet, and then click on the card. It'll be under "Device Account Number".

I think due to tokenization, the 4 digit number that the cashier see is different than your actual card number. so there is no point of telling the last 4 digit.
 
I think due to tokenization, the 4 digit number that the cashier see is different than your actual card number. so there is no point of telling the last 4 digit.
If the merchant does ask, the iPhone will show you the last 4 (or 5) of the token. Not sure about the Apple Watch.
 
Chip technology and NFC will never take off in this country... People are just too lazy and stupid here.

And old habits are hard to break. People have been swiping cards in the U.S. for decades. The only way to break the habit among those who are age 30 and older will be for all cards to contain chips (which they should by now but my bank -- Wells Fargo -- still has yet to send me a debit card with a chip in it) AND then the companies that make the POS machines can stop putting magstripe readers in the machines. People are going to have to be forced to use the newer technology. That's the only way chip and NFC will take off in the U.S.
 
And old habits are hard to break. People have been swiping cards in the U.S. for decades. The only way to break the habit among those who are age 30 and older will be for all cards to contain chips (which they should by now but my bank -- Wells Fargo -- still has yet to send me a debit card with a chip in it) AND then the companies that make the POS machines can stop putting magstripe readers in the machines. People are going to have to be forced to use the newer technology. That's the only way chip and NFC will take off in the U.S.

You bank with Wells Fargo and you don't have a card with a chip in it? My debit card through them has the chip. Simply go on the website and request a replacement.
 
Not so. I have not tested yet but I did add my card to my wallet and it has an option screen during setup to "Automatically Select" or "Do Not Automatically Select" the Walgreens card when paying.
How did you add your card? I already have my rewards card in my wallet as a "pass". How do we do this new thing? I don't have my card anymore and entering the number manually didn't work.

Yes, I think your identity will link since you're using a rewards card. If you want to remain anonymous then use Apple Pay and no rewards card.
That is a RIDICULOUS assumption based on nothing but conjecture. Apple is fanatical about privacy, and so until actual proof is offered, it's much more likely that they DON'T know/save your purchase history.
 
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That is a RIDICULOUS assumption based on nothing but conjecture. Apple is fanatical about privacy, and so until actual proof is offered, it's much more likely that they DON'T know/save your purchase history.

I think the person is suggesting the rewards card allows the merchant (Walgreens) to know your identity when using ApplePay, not Apple itself. The way you get one of those little annoying keychain cards is by filling out their form (if you do it their way) which includes name, address, birthdate, sometimes eye color or blood type (I kid.. barely). If you are good puppy you fill out the info for them with your actual information, then when you scan your member ID for your 10 cents off your dog biscuit they know you are you, even if you are using ApplePay.
 
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That is a RIDICULOUS assumption based on nothing but conjecture. Apple is fanatical about privacy, and so until actual proof is offered, it's much more likely that they DON'T know/save your purchase history.
Read again please. I said Apple Pay alone will not reveal anything, so if you want to be anonymous use Apple Pay alone for payment and skip the Walgreens card.
 
Yes, I think your identity will link since you're using a rewards card. If you want to remain anonymous then use Apple Pay and no rewards card.

Seeing as the card is tied to you and your Walgreen account, pretty sure they have whatever they normally get with the physical card. In which case who cares? They've know when you buy deodorant before, and they will still know now. If you really care that much. Don't go to any store, ever.

I don't really care. Your prescriptions aren't anonymous anyway. If someone wants to know which laxative I use for constipation, fine. I don't care.


Well it doens't apply to me since there are no Walgreens in my country. I ask because one of the features of Apple Pay that Apple touted, was that it stopped merchants from tracking shoopers habits. I was wondering if programs like this can erode that privacy protection. Yes it is voluntary but that doesn't mean people are aware of it.
 
If the merchant does ask, the iPhone will show you the last 4 (or 5) of the token. Not sure about the Apple Watch.
On the watch, when you double click the friends button to bring up your card, the last 4 digits are on the card image. The number you see there will be the device ID vs your real card number which is what you would give if ever asked.
 
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So how will this work exactly? Will you have to use apple pay to enter your rewards card and then again to pay? Although this is still cool, it would be awesome if there was a way to do this where one Apple Pay "swipe" is needed and takes care of both the rewards and payments. Of course Kohl's does this by having the rewards and the credit card all in one, but I am thinking about all the other reward cards that are not part of a credit card. Anyway, glad to see progress.

Great question

Yes, you need to hold the phone near the reader twice. By doing it this way, you have the choice to use cash, an FSA debit card that can't be tied into Apple Pay, etc. It also gives you an opportunity to review your discounts from digitally applied coupons and also use points before you pay. One motion would obviously be ideal, but it limits your choices as a consumer, and that second tap only takes another second :)
 
Thinking about this, one tap would be the wrong approach, right? With two taps you have your rewards card with info about you and secondly you have Apple Pay if that is your method which is built to reveal nothing about you. If this is a single transaction would the two cards not be easy to tie together and you now have a name and other info to go along with the device ID? Maybe the payment is secure from people that capture data but now you have a way to put two items together to make a database. You could anyhow with two taps and a single transaction but I don't know, what do you think? I still feel Apple Pay is secure and easy but do I in the end want my rewards cards tied in or not. I'm thinking I don't mind but thought I would put it out there.
 
IMPORTANT: CURRENT USERS OF BALANCE REWARDS IN PASSBOOK (via UPC code) MUST DELETE THEIR CURRENT PASS AND REINSTALL

If you're an early adopter (like most of the people in this forum), already have the Walgreens app and have previously added your Balance Rewards card to Passbook as a UPC scan option, you will need to delete that pass from passbook in order for the new functionality to work.
1. Delete your current Walgreens Balance Rewards pass in Apple Wallet
2. Open the Wags app (make sure you're logged in) and click on the Balance Rewards icon on the home screen.
3. Select "Add to Passbook/Wallet"
4. Follow the prompts, including the one about automatically selecting your card.
Done.

If that doesn't work, delete the Wags app and the Wags pass in wallet, reinstall the app, log in, and then try the above again.

Hope this saves you some frustration. Not much good info being put out there right now about how to install/activate this new feature.
 
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You bank with Wells Fargo and you don't have a card with a chip in it? My debit card through them has the chip. Simply go on the website and request a replacement.

That is correct. I figure they'll get around to issuing me a new debit card with a chip in it eventually. I actually have two debit cards with Wells Fargo (personal and business) and neither have been replaced with chipped cards. Every other card in my wallet from other issuers has been replaced with chipped cards, though. I guess Wells Fargo is just behind the times yet again. Their iOS app looks and functions like something that was developed in 2009; but that's a whole other subject.
 
And old habits are hard to break. People have been swiping cards in the U.S. for decades. The only way to break the habit among those who are age 30 and older will be for all cards to contain chips (which they should by now but my bank -- Wells Fargo -- still has yet to send me a debit card with a chip in it) AND then the companies that make the POS machines can stop putting magstripe readers in the machines. People are going to have to be forced to use the newer technology. That's the only way chip and NFC will take off in the U.S.


WF is replacing debit cards as they expire. You can call them, as I did, and request a chipped card. Took about seven days to receive.
 
Speaking of Walgreens, I saw some stupid lady swipe her chipped card and the terminal took it, even though it's supposed to prompt you to insert the card because it's an EMV enabled terminal. I told the cashier his card reader was broken and he said, "well if you use debit you swipe, and with credit you use the EMV slot." Um, no, you use the EMV slot whenever the payee has an EMV card.

Either way the lady should've known to dip the card and not swipe it there. Chip technology and NFC will never take off in this country... People are just too lazy and stupid here.
EMV has been a standard in the US for all of 1 month. Not only that, there's been little education on when to swipe versus insert.
 
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