Where is Apple 70%?
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It's not a Apple Pay station. It's a POS with NFC enabled. So yes, you'll be able to use what ever NFC component you want to use.
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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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Where is Apple 70%?
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It's not a Apple Pay station. It's a POS with NFC enabled. So yes, you'll be able to use what ever NFC component you want to use.
Most people including me don't care about the minimal security risks of credit cards. Sure it might happen to me. Then I'll report it the my credit card company, and they will take care of it. I am protected with current laws. Apple is trying to sell convenience. Its not that much more convenient.
And you are protected because you will not be responsible for it. There are protections currently in place for cc fraud. How will you be protected when this new system is hacked, and currently you have no protection from it?
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.
I make 6 figures and I dont shop at walmart. Mostly because its dirty, slow and packed with people. They also barely have anything I care for. The only few things I could say are worth buying like videogame consoles, iPhones and other electronics can be bought off Amazon for the same price. Give me a break.
NFC was already coming with or without Apple. Apple just timed it right as they usually do.
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But it is. It's just using NFC which is all it needs to make the transaction.
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It's NFC. Same thing for both.
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Not the NFC tap to pay.
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Yes, Google Wallet uses tokenization
Exactly. Target needs to make any type of payment easy and secure and not following Walmart or BB. i know folks that won't shop their after the breach.
This is only true if the alias or token that thePay uses works with existing protocols. Is it certain that Google Wallet uses tokenization? It states in the integration that the sensitive information is encrypted, that would mean your information is passed through the transaction. That would also mean they use separate protocols.
In my honest opinion, I had thought it is a software update at best for most major retailers, and then a hardware change for smaller merchants. But I think people are flipping a lid b/c we certainly don't have enough information about this yet.
Also, Apple was able to file for a patent for this in January, whereas Google Wallet has been out since 2011. It would be shocking to me that banks, issuers and merchants would back Apple but not Google.
Not hardware or software needed. It's NFC. The same NFC that will work with anything using NFC.
If a retailer has a POS system with NFC activated, then Apple Pay along with all other ways such as Google Wallet will work. Don't complicate this more than you are.
Apple is doing nothing special other than its I a nice little package with a bow.
Walmart and best buy
Walmart and best buy are becoming more more irrelevant. Is that really a wise move for them? Not that Apples payment system is the best, but I do think if you want to stay relevant and "hip" you follow trends. Amazon is going to swallow those two business if they don't figure out that people like buying over the web and getting quick deliveries.
Walmart and best buy are becoming more more irrelevant. Is that really a wise move for them? Not that Apples payment system is the best, but I do think if you want to stay relevant and "hip" you follow trends. Amazon is going to swallow those two business if they don't figure out that people like buying over the web and getting quick deliveries.
Agree w/ you completely, my fault for starting trouble. Didn't fully understand the tokenization process, and had a different understanding of Google Wallet. A lot of the recent MR blogs shed light on it all as well!
You're all good buddy. No worries. Just want to make sure all that read this get the correct info. It's new for most people so there is a lot to take in at once. You asked really great questions and I'm glad you're taking the time to understand. Kudos to you Sir.
NFC is something I've researched for years and am excited that Apple entered the ring finally as it's going to help the impending adoption.
This MIGHT not work everywhere in the US that has contactless - I was WRONG about it not being tokenised, it is. The issue is that tokenisation requires EMV (though not contact EMV support, they are different), and some places with contactless MAY not be able to support a full EMV transaction on the backend.
Not really.
WalMart does not have a clientele that Apple wants. Their customers are not likely to be buying $349 watches.
Target is the key demographic for Apple.
You do know that they sell Apple products in Walmart stores? I bought my first generation iPad there in fact. Also you don't need the Apple watch to use Apple Pay; it's built into the iPhone 6 and 6plus too.
People tend to forget that the actual act of paying is just a fraction of the time spent when shopping. Driving to and from, parking, picking up the goods you want, queuing and so on is what eats up your time.
In the larger scheme of things a few seconds more or less spent paying is actually nothing - and you will almost always have a wallet or card holder embedded in your phone to carry your ID (and in that case also have a space for a card) anyway.
What I am saying is that I don't think the payment options in itself (unless it is some weird store that demands that you pay with dead frogs or antique gold dubloons) is something that will make people switch to another store.
You people all understand Target was NOT announced to be supporting Apple Pay contactless, correct? Rather the Target ONLINE mobile app will.
It's rather bizarre, really, since Target is a partner and they ALREADY HAVE NFC readers in all their stores, they're just disabled.
It's rather bizarre, really, since Target is a partner and they ALREADY HAVE NFC readers in all their stores, they're just disabled.
Really??
I too think it is their loss but let's be serious here. Are you really ever going to only have your phone on you? Are you REALLY going to alter where you buy based on them taking Apple Pay or not?
My guess is once they see how successful
I too think it is their loss but let's be serious here. Are you really ever going to only have your phone on you? Are you REALLY going to alter where you buy based on them taking Apple Pay or not?
Before long you won't be able to do a standard swipe. EMV will soon be required, so chip and pin for all.
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I altered where I shop based on where my card info is more likely to get stolen (after it happening twice in a year). I think you will see places that don't adopt apple pay or equivalent will end up suffering much more fraud in the future.
That is a valid point I guess. Living in a country that has had chip/pin mandatory for all debit cards for years the security aspect of NFC and similar services is not something that would make a difference for me.
The drawback of using chip-payment everywhere is that you are not really sure that your magnet strip actually works when going abroad since I only use it outside my own country. I always bring two cards (and if travelling to the US a credit card as well - don't need it anywhere else) just in case, so that is a usage example where NFC would make things easier for me.
Who wants to shop at the dump walmart anyway. Just another reason to avoid that 3rd world slum pit. Bestbuy for the most part is just a place to window shop for new TV's anyway, then go home and buy from amazon. They aren't too smart driving customers away like that.
No, EMV is about making them more secure. CONTACTLESS is about making them faster. Tokenisation comes from the EMV standard and CAN be implemented on any EMV contact/contactless card. I'm rather shocked, actually, that Apple is implementing it first. Normally Apple likes to avoid growing pains...
Still need to present a card with EMV. And requires signature usually in the us. With extra layer of biometrics Touch ID, and no need to use a physical card, apple pay is more secure. Contactless is not the main thrust of apple pay. It may be faster but it's the security that will get everyone on board.
Presenting a card or not does nothing to change security. Biometrics is not really any better than chip and PIN for lost device given a three wrong try PIN counter (but way better than chip and signature). The tokenisation is nice, but supported on a physical card too and definitely not NEEDED to be secure.
But the us will be mostly chip and signature. Not pin. And I don't want some cashier seeing my card number and name. Chip or not. Physical cards are so 1990s. Stupid credit card companies took too long with EMV in the us. Should have been in place everywhere by 2010. But they were too greedy. Didn't want to spend the $$ to issue new cards. They paid out less in dealing with fraud. But the consumer got shafted.