Because it is more convenient. I usually just sit back go through a whole collection of clothing without the hassle of going through hangers and racks and annoying sales people following you around.
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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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Because it is more convenient. I usually just sit back go through a whole collection of clothing without the hassle of going through hangers and racks and annoying sales people following you around.
wow! Thats 5x what analysts were predicting!!! Most were expecting 3 basis points, the hast was only 6.
Ram scrapers have nothing valuable to scrape except when mag stripes are used. Target was a ram scrape. Hence the ultimate blame lies with those who stalled the chip and pin implementation.
I believe that Walmart is going to have to reverse their decision to not accept Apple Pay. If grocery chains like Public, Kroger, Ingles, etc. get on board Walmart will be forced to join in.
If I had to guess, I'd say that Walmart probably demanded a better deal than everyone else. Walmart uses its size as a huge negotiating point when dealing with suppliers. In Apple's position, I'd mount a campaign showing people using Apple Pay at merchants and choosing to shop only at places that take it.
Personally, after I see that it works well, I'm planning to no longer carry a wallet. Just a simple ID folder will work.
If I had to guess, I'd say that Walmart probably demanded a better deal than everyone else. Walmart uses its size as a huge negotiating point when dealing with suppliers. In Apple's position, I'd mount a campaign showing people using Apple Pay at merchants and choosing to shop only at places that take it.
Personally, after I see that it works well, I'm planning to no longer carry a wallet. Just a simple ID folder will work.
Their loss.
Funny, the AT&T rep I was just talking to, kept pushing Best Buy as a place to get the iPhone 6 faster. Ah, no thanks. Never liked shopping there (no "Best" buys yet) and as others have said, it's crazy a tech store wouldn't support this.
Funny, the AT&T rep I was just talking to, kept pushing Best Buy as a place to get the iPhone 6 faster. Ah, no thanks. Never liked shopping there (no "Best" buys yet) and as others have said, it's crazy a tech store wouldn't support this.
I think the issue for Walmart is the need to replace several hundred thousand point of sale (POS) terminals to support NFC payments by Apple Pay--and that's just in the USA alone. That will cost potentially billions of US dollars in hardware, installation and training.
Walmart--being the largest retailer in the USA--should just replace the POS terminals anyway so it could support both Apple Pay and the Softcard (formerly ISIS) NFC mobile payment systems.
Walmart--being the largest retailer in the USA--should just replace the POS terminals anyway so it could support both Apple Pay and the Softcard (formerly ISIS) NFC mobile payment systems.
I have found that the best way to be ignored at Best Buy is to actually need assistance. You'll be doubly-shunned if you know exactly what item you want and need them to get it out of the locked stocked area. I don't know how they know, but they know.
I've never been in a store that makes it more difficult to go in and buy some specific item.
Probably not a coincidence that both Best Buy and Walmart allow DirecTv salesmen to masquerade as store employees.
Once I discovered Amazon and Newegg I never set foot in a Best Buy again...the only reason I ever did was to price compare and buy the item online from another retailer while I was in the store.
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Wal-Mart: 45 registers, 3 open on a Saturday afternoon.
Really? That surprises me. As of this year every active credit card in my country has a pin and every pos has the ability to insert card, non swipe. Most also have contactless payments, eg PayPass and payWave.
I agree, 100%, that EMV would have eliminated the value of the credit card data breached. To be honest, that isn't even my biggest concern with Target though. They were far more than the victims of a RAM scraper. They also suffered from a breach of their customer databases, and considering that Target is, perhaps, the most infamous of all data-collectors, I think that is a far bigger concern to most of our privacy. We can get account numbers re-issued. We cannot remove the value of god-knows-what data Target collected on our shopping habits, preferences, etc.
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We don't have DirecTV at Best Buy here, but we have Samsung and Apple reps. To be honest, they're the smartest (especially the Samsung guy, I hate to admit) and nicest people in the store...
Amazon doesn't need to adopt anything. They might put in
Pay for the App, but probably not. You already have the CC for AmazonPayments, so why put in Pay? Especially for Discover, where using Pay would exclude you from using rewards.----------
The only thing needed for
Pay is tokenization-enabled NFC POS. Tokenization is not an Apple thing, it's an NFC spec, but no one ever used it except for, now Pay. Now, b/c of Pay, most retailers that accept NFC will have to upgrade soon enough b/c of the way Pay worksI don't understand.
I don't understand all the Walmart hate. I do understand the whole "they killed the smaller merchant" mentality but other than that, not so much. They offer the same mix of decent stuff and junk that Kmart, Target and others offer. Just more of it and greater variety. Because they do offer lower prices (at least theoretically) you will find the poorer members of the community tending to shop there. But you shouldn't hate on poor people, you may be poor some day. In a lot of communities, Walmart is the only option for a store of its type.
I don't understand all the Walmart hate. I do understand the whole "they killed the smaller merchant" mentality but other than that, not so much. They offer the same mix of decent stuff and junk that Kmart, Target and others offer. Just more of it and greater variety. Because they do offer lower prices (at least theoretically) you will find the poorer members of the community tending to shop there. But you shouldn't hate on poor people, you may be poor some day. In a lot of communities, Walmart is the only option for a store of its type.
No, it's rather logical from their point of view. Contactless fees are higher than swipe/insert for debit in the US. Which is RIDICULOUS. In other countries there are contactless incentives.
Precisely why
Pay is US-first. But even your analysis has a fault in it that you haven't addressed. Pay's solution is not just NFC, but the ability for you to never have to actually take out Debit/CC in the first place. And yes, for me, that's a huge timesaver. I have a hand disability, so using CC's takes a while (comparatively to others) to take wallet out, take CC out, put CC back in and put wallet back in. On the other hand, my iPhone is easy to take out, don't have to unlock, and authenticate and go. For others, the time-save might be 15-30 sec. For me it's like 45 sec. But those 15-30 seconds add up quickly when there are multiple in a line.----------
I hate having to pull out my CC. It's also a reason why I shop from Amazon whenever possible. I have a hand disability so using CC's is difficult for me. If something exists that makes shopping easier for me, I will use it over something that doesn't. Plain and simple.
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Investigate them for what? They're not even a remote monopoly like MSFT was.
Pay? Just like Apple discussed w/ FDA for their Health app, they probably discussed Pay with DOJ and/or FCC/related gov agencies. So, please inform us, what exactly is Apple going to be investigated for?----------
No, your post isn't valid. It's not that some retailers are not going forward w/ Apple, it's that WalMart and BB are not going for NFC. You can't expect Apple to get every retailer to accept from the get-go. That's an unrealistic expectation. But when you have large companies like McDonald's and Starbucks, etc. accepting (and presumably, succeeding with) NFC/
Pay, then others will come on. Walmart and BB (and Target, more accurately), are hedging their bets and that's ok for now. NFC has never really taken off in the past in the US. But Pay, or some other NFC standard, will prevail in the end.----------
While I think
The reason
Watch doesn't require TouchID is that presumably, the watch is not going to be stolen as it's going to be on your wrist during all waking hours vs. the iPhone which can be forgotten/lost/stolen more easily.----------
MXE has never been around in the consumer world. Their app hasn't even been released. And your list is misleading. Walmart and BB are the only ones saying that they won't support NFC. The others on the list support MXE, but that doesn't preclude them from supporting NFC as well. They're probably just taking the wait-and-see approach. 220,000 locations at launch is nothing to sniff at. It's only going to get bigger.
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It actually does solve the problem to the best anyone can do. The only way that they could get ahold of the number is if they hacked the banks/CC companies.As has been explained in other threads, even if they got ahold of one token, that token doesn't have the actual CC number. The tokenization and NFC standard would have to be broken in order for that to happen.
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Merchants are not prohibited from supporting competitor's systems, at least not in apps. See: Target.
And AppleWatch. And every other NFC-enabled Android Phone. All Apple did was create a cohesive system with banks and CCs that made NFC a viable payment option. Google Wallet may be less secure, but it still uses NFC and can/will benefit from Apple's work.
Amazon now charges tax in a lot of states, including mine. So the only reason that I don't shop at BB is that a) I don't have a car and b) return profiles.
You are saying that all of a sudden, Wal mart which is frequented by millions of people who buy their daily necessities will lose business just because people with iPhone 6 in particular, with NFC will not shop there?
Okay.
Hit up Payson, AZ, lovely town, but if you want anything at all, you gotta go to Walmart. They literally don't have anything else and according to locals, before Walmart, they didn't have ANYTHING and had to drive to Phoenix to pick up basic necessities like shoes or clothing.
I also used to work for Walmart and it was a fun place to work. Still have many friends there. I even have customers come in and try to diss the place, well sir, then why are you in here when there's Target across the street? And our store literally is like a family. I still count on those guys for a lot, so Walmart isn't all too bad. People just need to turn the tv off sometimes and get outside for themselves.
You're forgetting that de-tokenization reveals the fake 'CC number' that is changed every time you use
Pay. So yes, there may be de-tokenization, but the ability to track via CC is still gone.
And who knows how secure that is over Pay where it requires your fingerprint to authorize the payment.
WalMart parking lots are where crimes either begin or end. If they were closed down the crime rate would drop 38%.
Oh no! So I'll have to keep paying with my credit card, check, or cash at best buy and Walmart?! So? That's not really a deal breaker.
Oh, and FYI, just because some of us shop at Walmart, does not mean that we're poor. Having a credit card with a high credit limit doesn't make you rich either.
Oh, and FYI, just because some of us shop at Walmart, does not mean that we're poor. Having a credit card with a high credit limit doesn't make you rich either.
Actually, having a high credit limit means that at some point you had the money to repay that much. They do look at tax returns as well as credit score for credit increases. I'm not necessarily going to stop shopping at Walmart & BB (I pay w/ PayPal at BB) b/c of this, but it is going to make me stop and see if there's a deal somewhere where
Pay is accepted.
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