It's mobile payments with NfC. Been doing it for a few years. Looks like it will work the same way.
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Walgreens Planning for October 18 Apple Pay Launch
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Why should anyone trust Target with their card information?
I still use my credit cards at Target because if they get hacked again, I'm not liable for anything. But I will never sign up for a red card in a million years because I don't trust them with my SSN and other personal info, which they don't get when I use my Visa card.
simple question
I'm confused by the announcements by all these banks saying they'll support apple pay. Does this mean that ONLY credit cards issued by these banks will support apple pay? If I have a credit card from a bank other than the ones that say they'll support apple pay does that mean I can't use it for apple pay? What about the fact that my iTunes credit card is not from a bank announcing that it will support apple pay? Just looking for some clarification.
I'm confused by the announcements by all these banks saying they'll support apple pay. Does this mean that ONLY credit cards issued by these banks will support apple pay? If I have a credit card from a bank other than the ones that say they'll support apple pay does that mean I can't use it for apple pay? What about the fact that my iTunes credit card is not from a bank announcing that it will support apple pay? Just looking for some clarification.
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wel target was hacked. I dont trust them either[/QUOTE]
Personally, I have more trust at the moment for someone that WAS hacked, because NOW they are in there watching and patching stuff. I have no idea when other merchants deployed their stuff and how complacent they have become in this area.
But, good thing about America, we have choices. We can pick and choose whom we trust right?
I really don't trust anyone, and look at all merchants as being in the process of being hacked (they don't seem to be coming forward and saying, "Hey, we decided to look into XYZ exploit and low and behold we had that hole. But we fixed it before they found us!! Go us!!!").
So i'm basically going with something if it is enough of a reward. On the flip side, stealing my info won't get you far these days either
At this time, I think there has to be full bank cooperation to use Apple Pay. I haven't read that just having your card linked to iTunes is enough, unless Apple is then going to act as your bank and send it a lot of "iTunes" purchases that were made at "Jiffy Stop".
Everyone has been more focused on the merchant side of things, when in reality to me, it has been more important to sort out whether your bank/card issuer is on board yet. Just because you have a "Visa" doesn't mean squat, because it is a _______ Visa, and that blank part has to sign on.
So call and ask your bank about it.
wel target was hacked. I dont trust them either[/QUOTE]
Who do you trust?
Personally, I have more trust at the moment for someone that WAS hacked, because NOW they are in there watching and patching stuff. I have no idea when other merchants deployed their stuff and how complacent they have become in this area.
But, good thing about America, we have choices. We can pick and choose whom we trust right?
I really don't trust anyone, and look at all merchants as being in the process of being hacked (they don't seem to be coming forward and saying, "Hey, we decided to look into XYZ exploit and low and behold we had that hole. But we fixed it before they found us!! Go us!!!").
So i'm basically going with something if it is enough of a reward. On the flip side, stealing my info won't get you far these days either
At this time, I think there has to be full bank cooperation to use Apple Pay. I haven't read that just having your card linked to iTunes is enough, unless Apple is then going to act as your bank and send it a lot of "iTunes" purchases that were made at "Jiffy Stop".
Everyone has been more focused on the merchant side of things, when in reality to me, it has been more important to sort out whether your bank/card issuer is on board yet. Just because you have a "Visa" doesn't mean squat, because it is a _______ Visa, and that blank part has to sign on.
So call and ask your bank about it.
Thanks. I guess this raises the question then, why does it matter that apple has 8 Billion credit cards registered? I mean, who cares that they have those cards registered if they can't be used?
Well that was a year ago, android is making huge push now into primary/secondary education, with workshops and backing like Google Apps For Education being free, I haven't seen anything organised by Apple to compete with it so far, University & colleges are different as so much is based on creative skills where Mac at least still lead the way.
I just hope Apple don't let the lower education market slip away, iPads aren't really designed for school use and getting them to integrate with Microsoft servers isn't straightforward, and Apple hasn't made it easy although they are getting better to deploy. I'm hoping I'm wrong and Apple have some cool stuff for small schools lined up. A huge school I'm seeing this week that did have iPads just replaced them with Chromebooks and are getting Samsung tablets for the lower years, trouble is a lot of the schools get confused with so much conflicting advice, as far as I can see iPads are definitely still superior in so many ways and have a lot more dedicated education apps.
Sorry completely off topic above , yes I am hoping the UK Apple Pay market takes off, I think is already ahead of the US as touch payment here is already quite widespread.
There are very few companies that are resisting NFC payments. Companies like Best Buy are only because they are trying to roll out their own mobile payments. The slow adoption of NFC elsewhere is more of a cost issue for companies not some type of issue with mobile payments in general. As these companies update their POS terminals, you will see more adoption (assuming the rates for the NFC terminals starts going down).
Oh, well that explains it then:roll eyes:
Regardless, of the actual number (ever heard of hyperbole?) the point remains, everyone is talking about how Apple has a "huge" number of registered credit cards. Why would this matter if the majority of them can't be used on Apple Pay?
I like the cut of your jib, Sue
Nice to see someone on here that don't take life too seriously!
It's your point to prove. I don't buy into your premise that all iPhone owners are big spenders who keep the US economy from crashing
It's your point to prove. I don't buy into your premise that all iPhone owners are big spenders who keep the US economy from crashing
You don't have to. The data is out there. I've read it. You haven't. End of story.
Resistance is FUTILE. Retailers should stick to retailing. Good luck with their own payment system. It will not last in the long run.
"Even though the likes of Walmart and Best Buy arent on board now, theres good a chance that Apple Pay will become more ubiquitous over the next year.
US financial institutions are forcing merchants to support electronic EMV credit cards or risk liability for fraudulent card activity and identity theft. Point-of-sale terminals must be upgraded by October of 2015, and PandoDaily posits that the timing is perfect for Apple. And when these merchants shell out for new card-readers, something they might do at most once or twice per decade, theres a good chance theyll opt for all the bells and whistles. Following Apples announcement, NFC is right at the top of the list of must-support technologies.
Read more at http://www.cultofmac.com/295777/walmart-best-buy-arent-backing-apple-pay/#YRjykhLP5hPHW548.99
Part of the issue is that Walmart already has EMV terminals so they don't want to spend more money adding Nfc. It IS Walmart we are talking about.
They'll add NFC eventually. They are just holding off the inevitable. Also, I thought that EMV readers usually have NFC included -- its just a matter of enabling the NFC (top portion)? Or did Walmart buy something that doesn't even have NFC included as an option?
They probably purchased readers with NFC but has opted to not enable it. Though it is possible to get an EMV reader that has no NFC.
Smaller stores are likely to go that route (pure EMV reader no NFC) as the costs for supporting NFC payments is supposedly more expensive (along with the readers being way more expensive as well).
Well this whole thing of Walmart and other retailers pushing MCX is likely to be a failure. When it is a failure (not if it is), they'll join the NFC bandwagon. MCX's real purpose is all about controlling customer data. While Apple Pay is customer data agnostic (neither Apple or the Merchant collect customer data for the transaction -- which is the way it should be). The last thing customer's want is merchant's handling their data (look what happened at Target and Home Depot).
Now the new readers at *new stores* are NFC enabled, also at stores that *just got* a store remodel. The stores with a Verifone MX915.
The older Verifones like the MX815 and Ingenico ISC were bought before NFC was even a blip on the U.S.' radar and only places like gas stations had them. And the terminals were bought about 8-10 years ago. They switched on Chip & PIN with a software update and that's all they did to say they were now complying with the deadline.
Target on the other hand has no excuse neither does Best Buy, as their terminals have NFC, they are just stubborn. Best Buy had old Motorola/Symbol/Hypercom terminals with NFC built in, as well as registers running Proprietary software on Win7.
Now Target I understand though they're getting new software on their registers to enable NFC, Chip & PIN, as well as the ability to add self checkout. The old software was too old and didn't handle any of this. Their terminals are Verifone Mx925.
It's a safe bet that ALMOST anyone with a Verifone Mx915 or 925 will either have NFC ebabled now or down the road.
A local mom and pop grocery store here just got the 915s and they now have NFC!
The only difference between the 915 and the 925 is the screen size, with the 925 having a huge screen so it can display ads, or a rolling receipt of your transaction (we all know it'll really be used for more ads).
CVS just got the 925s as well, with NFC enabled.
Home Depot just got brand new Ingenico ISCs with NFC and Chip & PIN enabled. As I said. I don't think finding a merchant with NFC is going to be a problem, unless you're talking about restaurants- they're very very stubborn.- except McDonalds, as unhealthy as they are, they're at the forefront of tech. Hell, they had NFC for years and years.
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With the one sit-down restaurant I went to that's chip enabled I had to pay at a counter. I imagine most places will become pay at the counter instead of getting the wireless terminals.