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I've been debating make the switch from Walmart to another store (preferably local or at least a local/regional chain) and this is probably the nail in the coffin for me. What makes it tough is that I'm a college student living in a Mid-West college town and Walmart has everything for a low price. The bastards...
 
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.
[snip].

I hate getting behind people who write checks too if they're going to fill them out but there are people who are old school and just don't trust debit cards but I think you kind of over stepped calling that lady poor saying she didn't have enough money in her account. Walmart and most retailers will run your check and it will be debited out just like you used a debit card. The days of floating checks at major retailers are pretty much over. You can get away with it paying a person or maybe a small mom and pop shop.
 
I've been debating make the switch from Walmart to another store (preferably local or at least a local/regional chain) and this is probably the nail in the coffin for me. What makes it tough is that I'm a college student living in a Mid-West college town and Walmart has everything for a low price. The bastards...
Are you for real, a shop offers an alternative way to pay to the current debit card which let's face it, isn't exactly a pain to use.. and they are now has bastards and you will no longer shop there. This is comedy gold, have you even read back the tripe you have just posted.. please explain what they have done wrong. ..
 
Well you ain't been to many places then old bean. . It's about 15 to 20% of outlets that can take it,

You still do fail to mention these places. In Manchester where I live, can use it almost anywhere. I am currently in London, all over the city, even on taxi and underground been using it. Never mind the major supermarkets and shops . Basically almost anywhere where is contactles payment enabled.
 
It sounds very much like you are suggesting that Apple should use illegal and anti-competitive methods.

How it it illegal? Nothing says Apple HAS to allow an app on the app store.

Just like nothing says Walmart HAS to allow Apple pay, or other NFC payments in their stores.
 
Are you for real, a shop offers an alternative way to pay to the current debit card which let's face it, isn't exactly a pain to use.. and they are now has bastards and you will no longer shop there. This is comedy gold, have you even read back the tripe you have just posted.. please explain what they have done wrong. ..
Haha I think you may have taken my sarcasm a bit too seriously there, my man. Of course I'm not upset that they offer a ton of stuff at low prices or that they've launched an alternative payment method :D

Perhaps it's YOU who should read my comment a little more carefully and notice that I couldn't have sounded any less serious haha. I know it makes people like you feel validated to charge themselves with the distinct title of Internet Police, so I don't want you to think I feel any hostility towards you.
 
I'm beginning to realize more and more that the future of shopping is not NFC, as much as some wish that it was. IMO, the future of shopping is one where the majority of retail employees are made redundant. Apple's already making steps towards this with their Apple Store app, where you scan the items you want to buy and pay for them with Apple Pay without having to involve any of the employees. Do you guys really think other stores (even Walmart) aren't thinking of this possibility as well?

Apple really should be focusing far more on getting more apps to support Apple Pay if they want to be able to claim any measure of success.

(I do admit that my viewpoint could be colored by the fact that at least around here, even the places that theoretically support NFC throw up giant roadblocks to its use. Like the numerous smaller businesses that keep the terminal/PIN pad inaccessible to customers, for instance. It's made even using a chip-enabled card at some of those places less of a hassle than attempting to use AP.)
 
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.


Apple Pay will continue to work, as Apple Pay uses a "Device Account Number". When you setup your card in Apple Pay, it is given its own separate number.

My physical card ends in 2xx9, but when I use Apple Pay, all my receipts show a card ending in 5xx8.
 
You don't know the different between an EMV chip and an NFC chip do you?

The NFC chip in a card allows you to tap it on the terminal to pay.

The EMV chip must be dipped into the terminal.

Given that I've been using chip cards for years since I live in Europe, I'm pretty sure I'm a little more familiar with the technology. Magnetic Strips, NFC and EMV are a way to transmit the identity of the credit card holder and authorize payment. The difference between them is in the level of security when authorizing that payment.

With magnetic strip, no security is provided and is in essence the numbers stamped on the card front. The later addition of CVC codes allowed you to provide a back-side hidden detail that could be used to indicate card possession. The improvements mandated in Europe to reduce what is commonplace crime in the US was EMV. EMV is a big standard and can encompass a wide range of requirements depending on local laws and custom. The most common issue is trying to discuss EMV and NFC as a single thing, when in fact the range of experience is HUGE. The only thing that can be said for certain is that as it stands magnetic stripes and signatures are the worst possible security choice. Any standard moving forward needs to incorporate 2-factor authentication and strong encryption. So in terms of already widely deployed technology Chip-and-PIN EMV cards or now NFC (contactless payment) with a requirement for PIN authentication are what we need to be shooting for in terms of security. In all likelihood we'll see the US banks continue to be afraid of forcing better security on cards for fear of some sort of consumer backlash or cost.
 
So in terms of already widely deployed technology Chip-and-PIN EMV cards or now NFC (contactless payment) with a requirement for PIN authentication are what we need to be shooting for in terms of security. In all likelihood we'll see the US banks continue to be afraid of forcing better security on cards for fear of some sort of consumer backlash or cost.

Yes it's likely going to be chip and signature in the US for perhaps a decade. They still haven't figured out how restaurants are going to work it, or gas stations for that matter which have another two years before they even have to think about it.

My Credit Union forced me to get rid of my Debit-only card, to accept a Visa-Debit which I did not want. And while there should be a way to force that card to only accept a PIN-code to work solely as a debit, nobody's interested in that. And this after the president of my CU acknowledged that somebody could strip my bank account using the visa-debit card, and cause me significant grief during the time it would take the bank to refund my account.

So while the chip will cut down on much of the current data breach fraud, until everyone is using it, there's still some big holes out there. And as long as a signature only is required, then it's still valuable for thieves. Which astounds me, since it would be so easy to close many of these holes by requiring a pin at a minimum. Yes some businesses, like restaurants and bars, would have to figure out another way of allowing their customers to pay, but hey that's progress.
 
Yes it's likely going to be chip and signature in the US for perhaps a decade. They still haven't figured out how restaurants are going to work it, or gas stations for that matter which have another two years before they even have to think about it.

I can tell you how restaurants are going to do it. If they're big enough to afford putting a tablet at every table (e.g. Olive Garden, Chili's), that's how you'll pay there. Otherwise the card still gets taken away like it was pre-chip, meaning if you're visiting the US from another country they might reject your card outright or at the very least make you walk to the back of the restaurant to enter it.

Oh, and if you have a chip and PIN card you may end up stiffing the server on tips because they'll expect to be able to add it after the fact and won't be able to with your card. :(

Source: I've already been to several chip-enabled restaurants and it's worked exactly like I described.
 
I can tell you how restaurants are going to do it. If they're big enough to afford putting a tablet at every table (e.g. Olive Garden, Chili's), that's how you'll pay there. Otherwise the card still gets taken away like it was pre-chip, meaning if you're visiting the US from another country they might reject your card outright or at the very least make you walk to the back of the restaurant to enter it.

Oh, and if you have a chip and PIN card you may end up stiffing the server on tips because they'll expect to be able to add it after the fact and won't be able to with your card. :(

Source: I've already been to several chip-enabled restaurants and it's worked exactly like I described.
Or America could catch up with the rest of the world and have portable card machines which are brought to the table. .
 
Or America could catch up with the rest of the world and have portable card machines which are brought to the table. .

That's my point though--smaller restaurants simply cannot justify the extra expense of pay at the table (whether it's portable card terminals or some sort of tablet system) when they're not required. And since cards still only need a signature and tip can still be added after the fact, they're going to keep doing what they've been doing.
 
Walmart.. really?..... I only go to Walmart once a month to pick up a prescription and use my health flex Visa CC (doesn't work with Apple pay nor will work it with this POS) to pay for it. I may stock up on personal beauty/health items at the same time b/c they are cheaper... but yeah no I am not paying with "Walmart Pay".
 
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My Credit Union forced me to get rid of my Debit-only card, to accept a Visa-Debit which I did not want. And while there should be a way to force that card to only accept a PIN-code to work solely as a debit, nobody's interested in that. And this after the president of my CU acknowledged that somebody could strip my bank account using the visa-debit card, and cause me significant grief during the time it would take the bank to refund my account.
.
As for the Visa-debit card, I use it all the time... granted I always select credit (I don't even know the passcode to use debit) when using it.... I use my "ATM" (debit-only) CuCard (that is what they call it) card to get money from the ATM. If you used Visa-debit card and press "credit" ... supposedly you get the protections of a credit card.... which is probably why I deliberately didn't memorized the pin code that came with card.
 
As for the Visa-debit card, I use it all the time... granted I always select credit (I don't even know the passcode to use debit) when using it.... I use my "ATM" (debit-only) CuCard (that is what they call it) card to get money from the ATM. If you used Visa-debit card and press "credit" ... supposedly you get the protections of a credit card.... which is probably why I deliberately didn't memorized the pin code that came with card.

Well it's nice your CU offers a separate debit card. My CU got rid of them. If you want electronic access to your money, you have to accept the visa debit card. And credit card protections are all well and good, but if someone takes your card and empties your bank account before you realize it using it as a credit card, any scheduled bill pays will bounce until the bank can restore your account which can take days to weeks depending on the bank and its policies. That's a long time to be without access to your money simply because the bank chose to offer an insecure payment system tied to it. Moreover, my CU told me that they will not even start issuing chipped cards until after January!

Consequently, I don't carry my CU visa debit card anymore, and only make purchases on my visa credit card issued by a completely different bank.
 
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by the time you realize your card is stolen it could be hours. then once you do realize its stolen you have to go to your phone, unlock it, open the app, sign in, block the card, call the bank, call fraud, get a temp card, wait 90 days for them to fix it then get a new card. for example
Most banks in Australia give your money bank I have found withthin a couple of days without questions if it is fraud. Not sure what the customer service is like in the US though is like but judging from mac rumors it seems you guys are way behind the times.
 
Most banks in Australia give your money bank I have found withthin a couple of days without questions if it is fraud. Not sure what the customer service is like in the US though is like but judging from mac rumors it seems you guys are way behind the times.

This just happened to me last week. It works like this in the US. (Note: like most people, I have more than one credit card, else this may have been a little less convenient.

1. Noticed charges I didn't make when checking Mint.
2. Called my bank's credit card fraud number. (It was a Sunday evening, but they're 24/7.)
3. Card was cancelled immediately and a new card was put in the mail to me. (They would have expressed it to me if necessary.) Meanwhile, I...
4. Removed bad card from Apple Pay on my Apple Watch and iPhone. Went through my automatic payees and switched them to another card. Changed Apple Pay to use another card.
5. New card arrived a few days later. Enabled it, added it to Apple Pay, done and dusted.
 
Most banks in Australia give your money bank I have found withthin a couple of days without questions if it is fraud. Not sure what the customer service is like in the US though is like but judging from mac rumors it seems you guys are way behind the times.

I wouldn't believe a lot of the drama around here.

I'm in the US and I've had several cards (both debit and credit) compromised, and each time the money (for debit) was back in a day, and a new card was overnighted to me.

As with nightcap965's experience, checking Mint is what alerted me sometimes, and other times it was a phone text alert from the CC company.
 
I wouldn't believe a lot of the drama around here.

I'm in the US and I've had several cards (both debit and credit) compromised, and each time the money (for debit) was back in a day, and a new card was overnighted to me.

How quickly your money is back into your bank account via a debit card breach is entirely dependent on the bank issuing the card. My credit union is great, but horrifically slow in fraud issues. While I've never had a debit card breach the bank admitted to me that it would take several days to investigate before they put the money back in the account (they actually seemed proud that they were so responsive). I have had a problem where a merchant drew a duplicate payment, and it took a week for my bank to reverse it, despite clearly being a duplicate draw with the same authorization. And that's from the moment you inform them. I've been traveling where I'm out of Internet contact for several days at a time. My credit union is also not issuing debit chip cards until after the first of the year, as with many banks. Heck, I'm still waiting on a chip card for one of my major bank credit cards.

I have a corporate AMEX which was stolen, and the default way they replace them is standard mail unless otherwise requested. Either way, overnighting may do you little or no good when traveling.

So the "drama" is really, buyer-beware. Know the policies of your bank.
 
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