The quickest I ever have transactions complete is when using an AMEX card with a mag stripe, it's almost immediate. Visa is just slow to authenticate and NFC take 5 seconds to just read. Swiping is always faster in my experience.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![]()
Wow cause it will not take to the new Apple Pay?????? You isheep are something else..........![]()
I don't know how much I'll be able to use Apple Pay here yet so it's not like the iPhone 6 will be replacing my wallet anytime soon. Walmart opting out doesn't bother me one bit, I hate my local Walmart so I never go there. Best Buy, however, I do frequent. Unless Meijer gets it, I don't see me using it much.
Look at it this way, are you going to be completely changing all the places you frequently purchase things at based on whether or not they support Apple Pay? Or are you going to live your life normally and just use Apple Pay if the opportunity presents itself? If you're the former, then I can see you periodically running into an issue where you want to buy something from a merchant, but can't because you don't have your wallet/purse and you were hoping for them to support Apple Pay.
I think Apple should have implemented a more standards (i.e. open architecture) based NFC payment scheme.
Wow cause it will not take to the new Apple Pay?????? You isheep are something else..........![]()
Wow cause it will not take to the new Apple Pay?????? You isheep are something else..........![]()
Yeah we really want to trust a payment service created by the same people responsible for the largest breach of customer credit card data in history.
Once Apple Pay is working well, I don't plan to carry a wallet. Since both banks that I deal with are on board with Apple Pay, I will go to leaving those cards in my home safe. I want to go to a simple ID folder.
Wouldn't that be a BIGGER reason why Target should support Pay? My point was that Target would be better off with it.
Once Apple Pay is working well, I don't plan to carry a wallet. Since both banks that I deal with are on board with Apple Pay, I will go to leaving those cards in my home safe. I want to go to a simple ID folder. Now some may see that as iSheep but I will certainly frequent places that accept Apple Pay far more than those that don't.
It's not necessarily an isheep comment. I pretty much use credit cards to pay for everything. Who carries a checkbook around anymore? When I was young no grocery store took credit cards. Over time that began to change. Now every store takes cards.
Best Buy and WalMart saying they won't take ApplePay (or any other NFC payment) is akin to a supermarket chain in the early 90's saying they won't take card payments. They may hold out for a while, but customers will begin to demand it.
In a few years someone in line ahead of you using a physical card will cause you to sigh and shake your head in the same way as someone writing a check does today. And retailers who don't adapt, will lose some customers until they adapt. I hardly expect this will drive Walmart out of business, but it will eventually drive them to change their minds.
And I'm not saying Apple has the lock on this. I'm sure Samsung/Google/others will develop similar solutions and lawyers will spend years suing each other. But using phones (or I suppose watches or even glasses) to pay is the future.
The problem with that is: what happens if your battery dies?
It'd still be smart to always carry emergency cash or card.
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One of the neat things about Mastercard/VISA/etc supporting tokenization (which they were doing even without Apple) is that merchants can also take advantage of it.
In other words, they could accept regular card numbers, but instead of storing those, they can ask the payment service to return a token for that transaction.
Then the merchant (e.g. Target) can simply store the token instead of the CC number itself, and the token will still be good for things like chargebacks.
Wotcha gonna do when Apple Pay services or NFC terminals are down? That's happened to me at McDonald's a couple times and I was asked to swipe my card.
I'm sure there will be a point when we no we no longer have to carry anything around with us. But there will be that one, single time, that you leave your phone at home or the office.![]()
Yeah but to boycott a store that not going to use the app, that is just ridiculous. How about this, if a store does not use it why not try this old method of paying for it: reaching in your wallet and using a physical card???? Like I said apple fans boys are something.....![]()
Good luck with that!
Merchant Customer Exchange sounds old and ugly. No one has time for stupid names like that.
Merchant Customer Exchange - the Betamax of POS.
Not sure if I would go there. Betamax was actually better quality than VHS![]()
Considering that Cook said that no one would be able to track the sale besides you+bank/CC, I don't believe BB has a way of tracking viaPay
Merchant Customer Exchange - the Betamax of POS.
Wouldn't that be a BIGGER reason why Target should support Pay? My point was that Target would be better off with it.
I give it the end of this holiday season or even mid-way through to hear both companies run to get their registers upgraded for Apple Pay.
This is one of those features that people will want to use JUST to use it.
Retail numbers will show it.