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Walmart Announces Apple Pay Competitor 'Walmart Pay' for iOS

Steve.P.JobsFan said:
He was referring to reversal of the fraudulent charges that can take upwards of 90 days. -- of course they'll get you a new card ASAP, they want to keep banking on interest from you.

He isn't stretching the truth, either. I contested a fraudulent charge from the United Kingdom on my MasterCard last summer. It took them 76 days (I checked) to fully reverse everything.

Banks in the United States are not speedy. Nor do they plan on becoming speedy anytime soon.
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Bank of America has a guarantee, money back in your account in up to 2 business days.
 
aristobrat said:
Right, you can block the card in a second, and then what? You have to wait for the bank to reissue/mail you a replacement card. "10 days max?" ...because that's convenient for anyone, regardless of the cost to you. (there is a cost for that service, even if you aren't the one paying for it directly)

With the mobile wallets, should a token become compromised, the token gets revoked and you get a new token. Without waiting.
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I've never had it not be next day.

Anyway these points seem moot since you have to carry the card(s) due to Apple Pay support being so weak.

Then what happens to the Apple Pay card when the physical card is lost or compromised?

I do see the benefits of AP but they are far from realized at this point.
 
Mr. Buzzcut said:
I've never had it not be next day.

Anyway these points seem moot since you have to carry the card(s) due to Apple Pay support being so weak.

Then what happens to the Apple Pay card when the physical card is lost or compromised?

I do see the benefits of AP but they are far from realized at this point.
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FWIW, the point was in reply to someone in Europe who frequently uses NFC asking why bother to use Apple Pay instead of the physical NFC-enabled plastic card.

I've had AMEX overnight me a replacement before (which was nice, but I can live without my AMEX for awhile), whereas I've had BofA take over a week to get a replacement debit card (which I consider a little more urgent) out to me.

I'm not sure what happens when the physical card is stolen/re-issued.
 
"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. An electronic receipt will automatically be sent to the Walmart app."

LMAO at this. So if I pay with Apple pay I don't have to wait for the cashie to finish bagging my items? An Apple employee does it for me? Or if I pay with Apple Pay the items are gonna bag itself?
 
normanfox said:
apple came out with Apple Pay, then come
Samsung pay
Walmart Pay
CVS Pay
Joe plumper Pay
Jill Pay
more coming Pay
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So what. Google came out with Google Wallet, Samsung came out with Samsung Wallet... then Apple came out with Apple Wallet.

As for "Pay", a cursory US trademark search for contactless payment marks predating Apple Pay, finds examples like Pro Pay, Easy Pay, Smooth Pay, Monitise Pay, O Pay, Isis Ready Pay, Express Pay, Tap & Pay, Mastercard Pay.

And of course "Loop Pay" was also publicly used before "Apple Pay".

--

The thing is, "Pay" is a generic word for transactions and doesn't belong to anyone. Now, if Apple had called their method something non-obvious like "Apple Air Transact" and someone else afterwards used "Air Transact", then we could give them real grief.
 
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Andrei90 said:
"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. An electronic receipt will automatically be sent to the Walmart app."

LMAO at this. So if I pay with Apple pay I don't have to wait for the cashie to finish bagging my items? An Apple employee does it for me? Or if I pay with Apple Pay the items are gonna bag itself?
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Well with most NFC terminals it actually won't let you scan anything until the cashier finishes bagging the items and the amount is totaled. So actually this is an advantage.
 
macnewbie91 said:
Perhaps you should educate yourself a little more on NFC.
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I know about NFC... that does absolutely nothing for me since my current phone doesn't support it.

macnewbie91 said:
Most people don't own a budget phone. Even a lot of the cheap phones have NFC... Did you check your settings? Are you 100% sure your phone doesn't have an NFC chip inside of it?
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You know "most people"?
 
Well it's clear from this thread that Apple aren't getting across the point of Apple Pay in their advertising. Which doesn't bode well for it surviving.
 
sracer said:
I know about NFC... that does absolutely nothing for me since my current phone doesn't support it.


You know "most people"?
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If you knew anything about NFC, then you would know it's not exclusive to "Apple Pay Only."

Here's a list of phones that have NFC:
iPhone 6S & iPhone 6S Plus
iPhone 6 & iPhone 6 Plus
Samsung Galaxy S6
Samsung Galaxy S5
Samsung Galaxy S4
Samsung Galaxy Note 5
Samsung Galaxy Note 4
Samsung Galaxy Note 3
Samsung Galaxy Note 2
Sony Xperia Z5 series
Sony Xperia Z3 series
Sony Xperia Z2 series
Sony Xperia Z1 series
LG Nexus 5X
LG Nexus 6P
Nexus 6
Nexus 5
Nexus 4
Almost all Nokia/Microsoft Lumia Phones
... and many more.

Go ahead and look through this list of every phone on the market-- I bet you find the majority of phones have NFC chips in them... Even the older, cheaper ones.

http://www.gsmarena.com/htc-phones-45.php

I haven't met anyone or seen anyone in public who doesn't own one of those phones in 2015.
 
sracer said:
Really? So there haven't been any merchants who supported NFC but not Apple Pay?
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You're kidding me, right? Are you just trolling?

There hasn't been any merchants that support NFC/Apple Pay but not any other form of mobile wallet or contact-less card.

Any merchant that has this symbol:

nfc-logo_by_yanniszaborsky.png


Displayed will take Apple Pay, or any form of NFC payment-- including contact-less card, Android Pay, Samsung Pay, etc.
 
sracer said:
What I'm asking is, are there any merchants that support NFC but DON'T support Apple Pay?
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Nope. But that's not the point I was trying to make.

There's no such thing as "Apple Pay only."

If a merchant displays this logo at checkout (once again):

nfc-logo_by_yanniszaborsky.png


It accepts NFC payments. It doesn't have to be "Apple Pay."
 
AlliFlowers said:
Last weekend I went to the local chain grocery store, same distance from my house as WalMart. While I was there, they announced they were now accepting Apple Pay. They also had everything on my grocery list, and weren't filled with "people of WalMart."

Buhbye WalMart.
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Arrogant much.
 
majkom said:
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?
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all i have to do is hold my phone by the reader for a second with my thumb on the home button...how much easier could it get?
 
zaphon said:
I got stuck behind someone doing this the other day at Wal-Mart. The lady was sitting there jumping through all the hoops of writing a check, with her checkbook right there next to her Debit card. She could see I was getting visibly pissed off the longer this took (it was 5+ minutes), so she turned to me and says "I'm old school." I lost it, responding with "No you're POOR. You have a debit card right there, you could easily have paid with it, but let's be honest, you're writing a check because you don't have enough money in your account to buy what you are, and you're hoping that the check will not clear before you do get money." Needless to say the next few minutes were awkward, and probably won't be back.

Oh and Wal-Mart hasn't figured out Chip and Pin either. I wanted to pay with my card, they told me to swipe, my card has chip and pin, so it says insert card. I do and it starts to process, then the lady reaches around, rips the card out of the reader (she about snapped my card in half), and asks for my ID. I show her my ID and then she resets it all and we go through the process again. Seriously, they make it so hard to pay it's stupid.
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I hope I don't see you at any of the stores I frequent. You were acting as if you were a jerk.
 
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27 others said:
I hope I don't see you at any of the stores I frequent. You were acting as if you were a jerk.
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Can't really blame him for losing it.

My dad is too lazy to learn how to do anything new, such as switching the source from the PS3 back to FIOS, and it pisses me off too.

There should be a separate register for those who pay with a check.

If I had to wait in line behind some moron for five minutes because they weren't smart enough to use their debit card that's sitting right there, but opted to use a check instead, yet alone one that wasn't filled out ahead of time minus the total, I'd be mad too.
 
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“The simplicity and ease of Walmart Pay comes not only from how it works, but also in how it’s been built,”
Uh, what's easier than lifting your phone and putting your finger on the print scanner? Opening an app, and then waiting for it to load, and then scan another thing, etc? I do not think so. I'll use my debit card until Apple Pay Comes, or just shop elsewhere,. Likely the latter, anyways.
 
Mr. Buzzcut said:
I've never had it not be next day.

Anyway these points seem moot since you have to carry the card(s) due to Apple Pay support being so weak.

Then what happens to the Apple Pay card when the physical card is lost or compromised?

I do see the benefits of AP but they are far from realized at this point.
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My physical Chase VISA card was compromised by a restaurant delivery driver. I called and reported the incident and Chase immediately cancelled the physical card. Within minutes I received a notice on my iPhone that my new card was set up in ApplePay. The image of my card showed a different 4 digit ending than the physical card that was compromised. The new 4 digits matched the new physical card I received a week later. I was able to continue using the card through ApplePay without interruption. So that was an advantage of ApplePay right there....if the physical card is compromised, there is no interruption in being able to use the card through ApplePay. At least with Chase everything happened seamlessly in the background.
 
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majkom said:
so, apple pay is big deal mainly in us because of not really innovative banking sector?
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Frankly - yes. The card industry hasn't been pushed by regulations in the US as they have in Europe and, as a result, they are sluggish
jm001 said:
Actually where I live, we've been using the chip for several years and it does have a way that you reminds you of your card. You can't complete the sale until you remove your card. That is once you type in your pin and the sale goes through the register won't open and you won't get a receipt until you take the card out. The cashier can't go to the next customer until this is done. As for all those questions, I've only gotten them at Walmart and Home Depot. I really like tapping, but it has it's limits on how much you can spend each time.
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There is a spending limit on NFC? Dang - I must be more as I've (apparently) never hit it.
 
Corrode said:
They have a point when it comes to compatability. Android commands about 80% of worldwide usage so supporting Apple Pay is limited to those with iPhones and supporting banks.

Also Walmart's target demographic is lower income so they're less likely to own a premium iPhone or Apple Watch.

Unfortunately I think this is the right decision for Walmart.
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Yup. I used to work with a guy who had one of the el cheapo Tracfone deals and did all his shopping at Wal Mart. Thankfully, the guy got canned because he was irritating and kept asking fellow employees (like me) to borrow money for "Business ventures" he would never actually explain until word got around and he was fired.
 
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