Sidebar Sidebar
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

Walgreens Planning for October 18 Apple Pay Launch

I do look forward to the day when I don't have to carry a wallet. I'm curious, though, how this will work in restaurants. If the waiter brings the check to the table, how can you pay with NFC? Is the merchant-side hardware small enough to be brought to the table?
 
dontwalkhand said:
At Walgreens don't forget to press Credit when using Apple Pay with a debit card!! Otherwise it'll decline! (Experience with a PayPass debit)
Click to expand...

If this was with Google Wallet, your Wallet PIN works if it asks. Otherwise it does seem to detect the type of card correctly and asks the appropriate questions.
 
pdaholic said:
I do look forward to the day when I don't have to carry a wallet. I'm curious, though, how this will work in restaurants. If the waiter brings the check to the table, how can you pay with NFC? Is the merchant-side hardware small enough to be brought to the table?
Click to expand...
The card readers are. The whole POS terminal probably not.
 
furi0usbee said:
So places, such as hotels, which require you to present a card for ID purposes as well as paying, are they going to allow you to go "careless" and just use your phone? I've only ever used plastic, so this will be interesting to see if you still will have to carry your cards as well as your phone. I mean, for ATMs and such, I'll need to carry at least one card.
Click to expand...

You won't need an ID to process the payment, but there may be other reasons you may have to identify yourself for access to a hotel. A human readable photo ID is required to get a key issued for access to a room. Another example, you have to present a drivers license when renting a car.

Apple Pay does nothing to actually prove you are who you say you are, in fact just the opposite, it anonymizes the transaction. If it is important for the transaction to occur, you will still need to carry that passport, drivers license or other government issued identification. Just not necessary to pay for it.
 
pdaholic said:
I do look forward to the day when I don't have to carry a wallet. I'm curious, though, how this will work in restaurants. If the waiter brings the check to the table, how can you pay with NFC? Is the merchant-side hardware small enough to be brought to the table?
Click to expand...

POS terminals can be a small as an iPod in a sled (think Apple Retail store, or Nordstroms). I think sit-down restaurants may be the slowest uptake of any retailers. Because it will require upgrades to POS for wireless portable. Apple Pay still requires customer touch their phone to authenticate.

The practice of the waiter carrying your card to the back, is unique to the US I think, made possible by our poor credit card authentication process. Chip & Pin locations bring the POS device to the table.
 
markie said:
The same way chip and PIN works...

http://www.ingenico.com/en/products/payment-terminals/wireless/iwl-series/

That terminal is Bluetooth (or 3G) and support contact chip, contactless, and swipe cards.

Here's a WiFi model (longer range than Bluetooth) from Verifone:

http://www.verifone.com/products/hardware/portable/vx-675/
Click to expand...
Pita Jungle in my area used RailPay, it looks like a regular check folder but open it up and there was a Chip & PIN reader and a mag stripe reader with a touch screen.

It also asked for a survey after making your payment and it will light up green when you're done paying.

You can also press Pay with Cash on it and they will come and collect the cash.

Very cool.
 
nt5672 said:
With the way they have botched Core Data & iCloud for the past 3 years, my hopes are not that high for Apple's "backend stuff".
Click to expand...
I work at Target... I still deal each shift with people that don't trust us and only pay cash, that don't trust us so they don't use their Red Card anymore, but swipe something else, and then there is the lady that used to work in a bank fraud department 20 years ago that only writes a check.... heaven help you if you get her on a "bad" day. Overall she is nice, but the lectures each trip are rough.

I wish I could just use store cards each place I go - liability limited to that chain.... but I can't. I trust Apple and my bank to sort it out. If my bank didn't trust what was set up - they wouldn't be on board.

dvkid said:
Disney in Orlando?

If so, their contactless payment system isn't scheduled to be Apple Pay compatible until the end of the year.

But... The wristbands and RFID tickets work really well for paying. I carried my wallet for ID and cash, but didn't swipe my card once to pay for anything during my week there. Really nice!
Click to expand...
As a local, non-hotel guest, at this time I don't have access to the paying part. It would be nice if we could load gift cards onto the magic bands, maybe in time.

Well, we have passes until next October - so all will be good, i'll get to use my phone. I did see on the Mastercard app that my favorite gas station is NFC enabled, inside, but hey, I'll have to pop inside tomorrow and check it out.

But, our 2 trips into the parks this week I have been impressed with the bands/cards for entry and FP+. They work much better than the paper variants. It might be rough for us locals to get FP+'s, but I much prefer the whole system so far.

Having worked in the computer room for so long deploying things somewhat ahead of what tech was out there to do it easily, I can see ahead into the future and have visions of things I hope they implement.

And darn it, I wish my Magic bands would ship - I need them by Friday!
 
SusanK said:
citation please.
Click to expand...

Overwhelming and repeated demographic studies over many years, that chronical everything from average age to average income to spending habits of iPhone owners.

iPhone owners are the same demographic that spends the most in retail...what a shock, they bought iPhones didn't they?
 
Padmini said:
Overwhelming and repeated demographic studies over many years, that chronical everything from average age to average income to spending habits of iPhone owners.

iPhone owners are the same demographic that spends the most in retail...what a shock, they bought iPhones didn't they?
Click to expand...

Citation please
 
Citation requests aside, I think it is pretty fair to say that the POTENTIAL for a game changer in the US NFC "marketplace" lies in the hands of Apple Pay.

Did they invent it? No.

Did they do something magical? No.

Did they negotiate something no one else before them has been able to? Yes (the cut from the processors)

Did they put in the hands of people that love new gadgets and tech, a "new" way to pay for things? Yes (baring those that have had Android phones with NFC)

To me, in my opinion, Apple excels at making something mass-marketable and doable. More people are going to be apt to walk in and ask if someone can "take their Apple Pay" than have come in and asked "do you take Google Wallet".

Personally i'm basing this on the fact that i'm currently a cashier at Target, and in the 9.5 months I have been up front, I have had ONE person ask me that.

ONE.

Once it rolls out... we are going to be faced with the fact that Target.com is a partner, not the store. People in this thread are assuming it will work at Target the store....

So if NFC is going to "make it" in America - this is its biggest chance. If even Apple can't kick it off, we are doomed to be the laughing stock of the world in this area for a long time.
 
Whole Foods run in ATL today and I noticed their card machines at the register all have 'tap your phone to pay' instructions now. not sure if this was already in support of some other nfc payment system or not as i never looked before but it is clearly ready now for it.
 
groovyd said:
Whole Foods run in ATL today and I noticed their card machines at the register all have 'tap your phone to pay' instructions now. not sure if this was already in support of some other nfc payment system or not as i never looked before but it is clearly ready now for it.
Click to expand...


It has been there for awhile..
 
SirLance99 said:
You haven't seen NFC payments already? I use it everyday at the Walgreens I go to. Since Apple Pay was announced, the cashiers who know me well, laugh at the fact that I've been doing this already. Other customers look at it in disbelief sometimes. I say to them "before Apple". The cashiers and I chuckle with each other.

Can't wait to test it out on my iPhone 6 Plus.
Click to expand...

I personally haven't had any NFC device to test NFC with. My iPhone 6 will be the first that I'll be able to use NFC with.
 
oddnendz said:
you are just pissed that it will be more difficult to scam credit card/debit card numbers from those dumb sheep you are so worried about....
Click to expand...

no. he is just negative about apple. loves to piss ppl off for nothing and derive pleasure out of it. probably writes from some dark and damp basement and a deep fried mars bar in hand :)
 
My work just installed NFC credit card readers on the vending machines. That will be where I test ApplePay.

I might spend more money now that they accept credit cards though.
 
In London, NFC has been the norm for a few years now across most stores, restaurants, etc. - however, it's limited to £20 per transaction (maximum of 6 a day I believe) for fraud reasons.

I'm interested to find out if this limit would be lifted with Apple Pay, if it ever makes it to the UK?

I asked before but no-one really knew. Theoretically it should be lifted, but I have my suspicion that the £20 limit is not only implemented on the bank-end, but on the POS terminals too (it's written on the devices). If that's the case, it could be a long, long while before Apple Pay gets here.

It would be a shame to miss out because NFC is honestly everywhere over here. It stands out to me when I *cannot* use it. I don't own a credit or debit card that isn't NFC now except old store cards.

I had no idea this was new tech in the US until now. That's probably a good thing for you, though. Set it up the right way.
 
pdaholic said:
I do look forward to the day when I don't have to carry a wallet. I'm curious, though, how this will work in restaurants. If the waiter brings the check to the table, how can you pay with NFC? Is the merchant-side hardware small enough to be brought to the table?
Click to expand...

In the UK this is common already - waiters will bring a card machine over that is already NFC enabled.

Honestly it's ridiculously common here and nobody bats an eyelid at the concept. I've been many times in bars where I have just handed my card over and had it returned to me seconds later with the payment done.

Of course we can debate the security etc, but the hardware required is pretty mature over here.

----------
DCGOO said:
POS terminals can be a small as an iPod in a sled (think Apple Retail store, or Nordstroms). I think sit-down restaurants may be the slowest uptake of any retailers. Because it will require upgrades to POS for wireless portable. Apple Pay still requires customer touch their phone to authenticate.

The practice of the waiter carrying your card to the back, is unique to the US I think, made possible by our poor credit card authentication process. Chip & Pin locations bring the POS device to the table.
Click to expand...

Most portable POS devices will use mobile networks (GPRS usually) so actually don't require wifi to work.

I assume wireless is better but I know that Virgin Trains use mobile network as when going through a tunnel you can't purchase on card.

----------
andy9l said:
In London, NFC has been the norm for a few years now across most stores, restaurants, etc. - however, it's limited to £20 per transaction (maximum of 6 a day I believe) for fraud reasons.

I'm interested to find out if this limit would be lifted with Apple Pay, if it ever makes it to the UK?

I asked before but no-one really knew. Theoretically it should be lifted, but I have my suspicion that the £20 limit is not only implemented on the bank-end, but on the POS terminals too (it's written on the devices). If that's the case, it could be a long, long while before Apple Pay gets here.

It would be a shame to miss out because NFC is honestly everywhere over here. It stands out to me when I *cannot* use it. I don't own a credit or debit card that isn't NFC now except old store cards.

I had no idea this was new tech in the US until now. That's probably a good thing for you, though. Set it up the right way.
Click to expand...

It isn't written into the machines - some banks/credit card companies set different amounts for different customers. My Barclaycard is £20 per transaction, my account with Lloyd's Bank is £25 and with Halifax is £15. These have changed over time too so it's fluid.
 
coffeemadmanUK said:
It isn't written into the machines - some banks/credit card companies set different amounts for different customers. My Barclaycard is £20 per transaction, my account with Lloyd's Bank is £25 and with Halifax is £15. These have changed over time too so it's fluid.
Click to expand...


I think my Lloyd's one is £20! :(

Seriously though, most readers I see have a sticker or printed piece on them that says 'up to £20'. Is that nothing more than a suggestion? That's positive if so.
 
andy9l said:
I think my Lloyd's one is £20! :(

Seriously though, most readers I see have a sticker or printed piece on them that says 'up to £20'. Is that nothing more than a suggestion? That's positive if so.
Click to expand...

Implementation details vary, but limits, I do believe, are in the application on the card. This is because these transactions are generally offline and no CVM. I think the plan is to allow these transactions to go online and use online PIN if over £20 in the future.
 
markie said:
Implementation details vary, but limits, I do believe, are in the application on the card. This is because these transactions are generally offline and no CVM. I think the plan is to allow these transactions to go online and use online PIN if over £20 in the future.
Click to expand...

I think you're right.

A bank basically needs to "trust" you to have this function. You'll find if you have a lower credit rating you might not get a contactless card because the bank need to trust that you'll have the funds available offline. Limiting it to £X.XX is mostly just to limit the costs involved if you don't.

If the transactions were online then theoretically there shouldn't be an issue with spending as much as you are able to as it's immediately clear if you can afford it.

Of course you should be able to set your own limit for security.

----------
andy9l said:
I think my Lloyd's one is £20! :(

Seriously though, most readers I see have a sticker or printed piece on them that says 'up to £20'. Is that nothing more than a suggestion? That's positive if so.
Click to expand...

I think it's a sort of "recommended" figure, likely a product of the launch phase to convince people that it was safe to use and even when your card is used fraudulently it wouldn't be for a large amount.

----------
andy9l said:
In London, NFC has been the norm for a few years now across most stores, restaurants, etc. - however, it's limited to £20 per transaction (maximum of 6 a day I believe) for fraud reasons.

I'm interested to find out if this limit would be lifted with Apple Pay, if it ever makes it to the UK?

I asked before but no-one really knew. Theoretically it should be lifted, but I have my suspicion that the £20 limit is not only implemented on the bank-end, but on the POS terminals too (it's written on the devices). If that's the case, it could be a long, long while before Apple Pay gets here.

It would be a shame to miss out because NFC is honestly everywhere over here. It stands out to me when I *cannot* use it. I don't own a credit or debit card that isn't NFC now except old store cards.

I had no idea this was new tech in the US until now. That's probably a good thing for you, though. Set it up the right way.
Click to expand...

Just checked with Barclaycard too and there's no daily limit to the contactless payments, only the £20 per transation: http://help.barclaycard.co.uk/brochure/contactless_payments/daily-limit
 
You must log in or register to reply here.
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.
Top Bottom
Back