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Walmart and Best Buy Opt Out of 'Apple Pay' as Apple Leverages Required Point-of-Sale Upgrades
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I hope Square starts supporting Pay. I think it will be great to boop phones to pay for stuff. A lot of the Chicago street fest vendors use Square now, as well as some of the little indie shops.
Also, I'm looking forward to trying out Pay with Ventra (the system in Chicago to pay for buses and trains). Ventra works with tap-n-pay cards and Google Wallet NFC, so I expect it should work with Pay too.
Also, I'm looking forward to trying out Pay with Ventra (the system in Chicago to pay for buses and trains). Ventra works with tap-n-pay cards and Google Wallet NFC, so I expect it should work with Pay too.
Thanks this answers my question in this thread also. From my understanding there wasn't anything apple specific about apple pay, it's just nfc.
Now as far as making everything about apple, that's expected because apple will be the one who makes nfc payments popular or more popular throughout the world.
Like I said it's only been two days, and people are already talking about nfc more than I've seen in the three years I've had an nfc enabled phone.
That's apple's doing, not some natural progression of the tech that happens to coincide with the announcement of apple pay
Well the EMV deadline and POS replacements in USA are players too, but yes Apple timed it best and is most influential.
Do your Walmarts have NFC? If so, doesn't that mean you can usepay according to posters herein?
Canadians (or anyone else outside the US) won't be able to use
pay until Apple works out an agreement with Canadian banks that issue credit cards. The software behind all of this is deployed at the bank.They might be able to use a US-issued card in Canada.
You're getting far too granular. I never mentioned anything that nitty gritty for you to refute.
The merchants/retailers are the ONES WHO ARE BEING ASKED TO ADOPT this Apple product/service. Period. The retailers are essentially on the hook for a lot of possible problems and general adoption issues. Period. Your reply is similar to me calling ATT and stating the service stinks and they tell me I should really call company ABC whose chips are on the cell towers. No. I pay ATT and I don't care how ATT services me. Ditto with Apple Pay...at the end of the day Apple is pitching this product/service to the retailers...and so far (for all if not more of my reasons) the retailers are not going forward with Apple.
My original post is valid.
I mean right now. When you use your credit card, BB stores the card number, name, info, etc. They send it to a company called TMC which tracks all your purchases and ensures you do not exceed an x amount of returns.
Oh and sells info to other companies. Obviously not CC info, but purchase history, etc
Unfortunately, getting the grocery/discount stores on board like Walmart and Target will be key to this succeeding. If people can't use it at the main place they stop a couple times a week, it won't catch on. Also key will be getting gas stations on board.
Yep it can be as simple as just apple being influential. Pretty amazing how much talk of it I've heard in two days.
Target has the hardware in place for both EMV (secure credit cards) and NFC/contactless, but the idiots have chosen not to enable either one, leaving it all in magstripe-only mode. I'm sure this'll change for the liability shift next year, but since they've proven incompetent to handle track data securely, I know I'm not shopping there much (trying my best to avoid it) until they enable at least EMV.
Also, I'd expect they WILL NOT be enabling NFC, even though they have the readers, because if they would be I'm sure they'd hurry up and do it so they could be a launch partner for Apple Pay, but they're only going to be for the mobile app, not for in-store use.
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It's not an Apple thing at all, it's just normal contactless payments as defined by EMVco.
Violates my first rule of successful retail: "Take money from customers any way they want to give it to you."
I stopped shopping at business that don't take cards. I can see a future where I will stop shopping at businesses who don't take NFC payments...
When even vending machines can accept NFC payments - there is no reason for any retailer to not accept *all* forms of payment. Let your customers decide!
I stopped shopping at business that don't take cards. I can see a future where I will stop shopping at businesses who don't take NFC payments...
When even vending machines can accept NFC payments - there is no reason for any retailer to not accept *all* forms of payment. Let your customers decide!
Same goes for Singapore. I don see apple pay as a big deal, especially when new iPhone cost much more. Tapping a card and Tapping a phone makes no difference. And there already exist mobile payment(nfc with mastercard) for selected android phone.
Just put my card behind the old iPhone and my phone can do mobile payment =)
In some senses I'm quite proud that Walmart and BestBuy are making a stand. While I'm all for the ubiquity and convenience I'll receive with
Apple have strong market share but they aren't the only smart NFC device provider and with their locked in proprietary nature, not playing nice with the other guys (Android, for one) is going to lead to some stupid AT&T vs Verizon type split for coverage and support, all at the cost of precious resources.
Good on Walmart and BestBuy for choosing a solution that supports all customers, send a message to these overly rich executives that some things need not be a competition.
(Google Wallet + Apple Pay) Future Ca$h support POS for the win.
pay uses standard EMV NFC protocols. The proprietary bit is in the phone. How it communicates with retailers is industry standard
If there was no EMV deadline you wouldnt see vendors looking to invest (and those that already have) in new POS systems just to support apple pay IMO. We would just stay with magnetic stripe forever
Yes, they do, it is just disabled by choice (ironically, so is EMV, so I don't get the point...)
I guess I should tell people I know that make 6 figures that they shouldn't be shopping there
Or MAYBE, people just want to save money. Like the previously mentioned friends of mine, and although I don't make 6 figures, I'm not terribly far behind. And where we live is rural areas of Minnesota, so no it's not a SF type of thing where everyone makes a lot.
The new readers Target got DO have NFC support, it is disabled and I'm going to bet will likely never be enabled.
As for EMV/chip and PIN/signature - your customers are IDIOTS after how bad your company messed up last year to not want their payments secured, but two - you CANNOT compare processing speed at Walmart (which is dreadfully slow) to what it will be like elsewhere. EMV will likely be much, much faster at Target (just like swipe processing at Target is nearly instant and takes its sweet time at Walmart).
When Targets sales increase and Wal-Mart's doesn't, they'll reverse their decision.
Best Buy will reverse theirs as well in time. Just like they were once stingy about price matching and now they match almost anyone without hassle.
Best Buy will reverse theirs as well in time. Just like they were once stingy about price matching and now they match almost anyone without hassle.
because they have to anyway, that's my whole point. If they're going to have to buy new stuff, it better support everything.. they can't stay on magnetic stripe, there is too much liability..
In Australia, it's higher at AUD $100. I wonder why?
The limit is in both the card and the terminal. The card is smart and has been loaded with different scenarios such as amount spent daily, last time you entered a PIN, etc. (This is mostly so the card can authorize itself at an offline terminal such as a standalone ticket kiosk.)
Basically, EMV payment steps are:
1. App - The terminal and card agree on what mutual payment application will be used. MC, Visa, MiFare, etc.
2. CVM - The terminal and card apps agree on what Cardmember Verification Method must be used. E.g. PIN, signature, none.
3. Risk - The terminal and card apps use their programmed limits to decide if the purchase needs to get issuer authorization or not. (see below about US)
4. Okay - The terminal tells the card if it needs to do online approval from the issuer, offline approval (by the card) or that it denies the transaction. The card decides if the terminal choice is okay with it.
Notice the unusual reliance on the card. That's because this stuff was invented long before there was reliable communications in Europe, and offline transactions were the norm.
In the US, the opposite is true. Every authorization is online, AFAIK.
I got you, I just dont think it's coincidental that they've decided to invest now. of course they're influenced by apple
If you think the technology and infrastructure on the stores end is free your naive.
Walmart and Sam's Club started their new "chip and pin" system just recently --- every-single-time it is used, takes FOREVER, plus, they don't even enter in a pin, just push the card in, 3-4 times later it finally reads it, goes though the slow process of authentication, then asks if you want cash back, then another slow process to finish. Mean while if you had stripe, you'd be done in 30 seconds, Apple Pay, 5 seconds if you have a clean finger
In the UK, where chip and PIN is the norm (and has been since 2006), it takes 15-30 seconds to do a transaction (unless it's a mobile terminal using GPRS). Sounds like Walmart are cheaping out on their card readers.