Walmart Announces Apple Pay Competitor 'Walmart Pay' for iOS

[macnewbie91]

This is exactly the issue. Americans are so resistant to change it is pathetic

Yeppers. American's just swipe their cards without thinking... "Gee why are we still swiping cards and not tapping or dipping them in the reader?" "Why don't I just use my phone since it's more secure?"

 

[morcutt11]

This is exactly the issue. Americans are so resistant to change it is pathetic

A couple of days ago I was at Walgreens and used by rewards card and paid both using my phone. Something that wasn't possible just months ago. I would say that it isn't too bad for some middle-age redneck from the South, but hey - I guess you know better...

 

[pat500000]

Why are they STILL resisting?

 

[SoGood]

How should we say? Too many steps. Forget it!

 

[theothermacGuy]

still dont get it, what is so awesome about apple pay? I am using nfc debit/credit cards for years, why should I tap phone instead of card near the reader? where is the benefit?

Maybe I'm wrong here, but as I understand the biggest difference is; Apple doesn't share what you bought with retailers, and the way that they secure the purchase using tokens are two bigs ways they differentiate themselves from NFC cards

 

[DesterWallaboo]

I use Apple Pay for the security of it all.... it's convenient, but the security is the seller for me.

 

[iGeek2014]

I'm in the UK and Tesco are currently trialling something called Payqwik. Sounds similar to Walmart's offerings.

I can see (from a business POV) by using Walmart Pay over Apple Pay they can target you based on your shopping habits and hit you with "personalised coupons/offers" etc.

However Apple Pay is far more secure... And I bet your bottom dollar Walmart can't track your habits! Hence their reluctance to support it!

 

[Sedulous]

So what is the end game plan for all these vendors going with their own clunky payment schemes? To basically replace the little customer cards with something that you have to install on your phone? It actually seems worse in every way.

 

[997941]

Gotta agree that I understand walmarts reasoning since thousands people use the walmart app. Also thousands of people get used to one thing which makes them unaware how to use apple pay or what it does. I also love the remarks from people who know they shop at walmart all claiming they don't or will not shop walmart in the future.

You know you do and you will 🙂

 

[maikerukun]

still dont get it, what is so awesome about apple pay? I am using nfc debit/credit cards for years, why should I tap phone instead of card near the reader? where is the benefit?

I can't tell if you're joking or not, but just in case you're not, the benefit is NEVER having to carry my credit cards anywhere. I literally never have to bring my credit cards into most of the places I frequent, basically rendering my wallet almost useless. It's just in my car as a backup and for my license. It's fantastic.

 

[Moonlight]

I never shop at Walmart. But this makes me want to shop there less.

 

[matthew23]

Haha. Hahahahaha. hahahahAHAHAHAHAHAHAHAHAHAHAHAHAHA!!!!

 

[Xenc]

Walmart Pay's QR code-based checkout process will involve opening the Walmart app, selecting Walmart Pay, activating the camera, scanning the code displayed at the register and waiting for the cashier to finish bagging your items.

With Apple Pay you don't need to wait for the cashier to finish bagging your items because it's that simple.

 

[pcmike]

still dont get it, what is so awesome about apple pay? I am using nfc debit/credit cards for years, why should I tap phone instead of card near the reader? where is the benefit?

Really? You don't see the benefit in leaving your wallet in the car and simply walking in with your phone and tapping your phone to pay? It's one less thing to lose. The only problem is society hasn't made it ubiquitous yet!

I'm waiting for the day when I can load ALL my "wallet contents" (every payment card, driver's license, insurance cards, etc) into my iPhone and leave everything else in the car (or hopefully some day at home).

 

[mfvisuals]

If this is simplicity and ease of use...

Agreed. The steps should read:

- Unlock Phone;
- Navigate to screen containing Wal-Mart app;
- Open the Walmart app;
- Select Walmart Pay;
- Activate the camera;
- Scan the code displayed at the register;
- Complain to cashier about not having Apple Pay yet;
- Wait for the cashier to finish bagging your items.
- Electronic receipt automatically sent to the Walmart app.

With Apple Pay the steps are (on iPhone):

- Double tap home button to bring up Apple Pay screen;
- Swipe phone on/near Apple Pay terminal when requested by cashier;

And we're done.

No comparison.

 

[Macyourdayy]

still dont get it, what is so awesome about apple pay? I am using nfc debit/credit cards for years, why should I tap phone instead of card near the reader? where is the benefit?

Because it's actually secure. No signatures or pins and nothing can be seen or photographed, especially card details. Too bad it can't be used for large purchases, but till we get apple pay here, I'll tap as much as possible. No way I'm using any store "systems".

 

[class77]

Just a restructured CurrentC.......Walmart was one of the cornerstones of CurrentC, but that name is now a liablity

 

[big-ted]

Hopefully they have a better solution that Home Depot for chip cards. I tried to swipe my card their a couple of weeks ago and the clerk told me, because it has a cup, I have to use their chip reader, which requires you insert the card and leave it in the terminal while you answer a bunch of questions (cash back? emailed receipt? coupons? discount card?). You can't take it out until the entire process is complete or you have to start over. I almost walked out and forgot by card because I'm used to swiping it and returning it immediately to my wallet. What a dumb, cumbersome system.

The whole of Europe can manage it, I'm sure Americans can

 

[Macyourdayy]

Really? You don't see the benefit in leaving your wallet in the car and simply walking in with your phone and tapping your phone to pay? It's one less thing to lose. The only problem is society hasn't made it ubiquitous yet!

I'm waiting for the day when I can load ALL my "wallet contents" (every payment card, driver's license, insurance cards, etc) into my iPhone and leave everything else in the car (or hopefully some day at home).

In the car? Is it an armoured car? I am looking forward to less wallet crap though, especially since Touch ID seems to be the most secure option.

 

[billy the fish]

Garbage.

Oh, and a "good job" to Walmart for also using Helvetica Neue for the word "pay" - exactly like Apple.

Wish CurrentC would just die already.

Serious question.. how can it die already. . ? You are asking it to do something, then suggesting it has already done it.. I don't understand. ..

 

[Trius]

Can no one think for themselves? Android Pay, Samsung Pay, Walmart Pay, give me a break

who are people of wal mart? what do you mean?

http://www.peopleofwalmart.com/

 

[darkknight14]

I don't think I have seen one comment in support or praise 'Walmart Pay' - Game over before it even began!

 

[mfvisuals]

uh yeah except for its not easy because there are more steps required to pay and an app you need to download...Apple pay is great for its simplicity although I only have a 50% success rate so far at stores. One gave me a card error message on the terminal (so then I tapped the physical card and it worked fine) and the other kept saying to hold it near the reader even though it was on the reader and the reader was what made apple pay activate so I know it was in the right area. That problem was also just solved by tapping the actual card

Yeah, I think the biggest problem with something like this is that if other retailers start doing it too, then you'll have to download an app for every retailer that you frequent, set up your billing information in each of those apps and keep all of them on your phone indefinitely in case you need them.

The beauty of something like Apple Pay or even CurrentC, is that it is not restricted to a single retailer and doesn't require multiple apps to manage. I think Walmart needs to focus on pushing the developers of CurrentC to release that product, which is essentially vaporware at this point.

And to echo other posters, customer choice is better than forcing one or the other.

 

[Macyourdayy]

I understand Walmart's reasoning. As convoluted as this sounds, the amount of customers using it is a win win for them.

I don't foresee any issues with retailers holding my card information, sharing stuff and increased spamming from them, especially guys like Walwort that sell quality Chinese rip offs and offshore jobs.

 

[majkom]

"Credentials"? I routinely spend $3-400 on my credit card at Target and other stores. I am almost always asked to sign, but no one has EVER looked at what I put in the signature box. I know people who sign with random doodles and gestures (not advised; the range of legitimate signatures compared to a fraudulent signature could shift the culpability for a stolen card purchase).

If you pick up a credit card (even a chip-and-signature card) on the street there is absolutely nothing stopping you from ringing up at least several hundred dollars' worth of goods and walking away. Likely you'll be caught on camera, etc, but as we know from the credit card in-person fraud rate this doesn't act as a very good deterrent much of the time.

Maybe in us, not here in europe, with my nfc card u cant spend more than approx 15 usd without entering pin for one transaction and u can not do more than 4 non pin transactions...