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Walmart Pay 'Close to Surpassing' Apple Pay in U.S. Mobile Payments Usage

Scan-at-go at Sams is very convenient. If nothing else, Walmart Pay makes it easier that using other payments, since it can automatically submit receipts into their saving's catcher/price matching/refund area.

Apple Pay isn't quite as available as it needs to be to really take off. If the whole idea is completely ditching the wallet, there are too few places where I can use Apple Pay consistently. Also, I don't like the idea of feeling obligated to go to certain stores just because they accept Apple Pay. Spending extra money on the exact same products/gas/etc. just for the "convenience" of whipping out my phone to pay isn't worth it to me.

I gave up trying to use it with Discover Card at all, since it only had about a 50% success rate, even at places like Anthropologie that specifically say they support Apple Pay. In longer lines, people aren't very patient when I'm trying to wave my watch at the terminal, and then trying the phone next. It only takes a couple of those experiences before I give up on that location and just use a physical card. Watching confused employees at other fast food places figure out how to un-hook the payment terminal and dangle it out the window isn't a very clean experience over handing over a card either. I think/hope it will get there in the future, but improvements can be made.
 
So in the US you will soon have: Apple Pay, Walmart Pay, ESSO Pay, Shell Pay, Macy's Pay, 711-Pay, Ross-Pay, Gap-Pay, Safeway Pay, Borders-Pay etc. ?

Good luck with all those apps.

Of course paying via an app and having access to someone's checking account is the dream of every marketeer.
 
I try to use Apple Pay everywhere just to be obnoxious. And it turns out more time than not it DOES work. The exception seems to be at places where the CC needs to be swiped through an ancient reader bolted to the POS computer monitor.

Should I try to use Walmart pay at Trader Joe's or Whole Foods?
 
varera said:
Nah, it is just walmart customers cannot used apple pay because they do not owe apple phones. clear as day
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Haha... this. But to be fair i walked by the phones section in Walmart yesterday and heard the employee telling a lady that they have the iphone 5....
 
cwagner1 said:
In the US Apple was counting on the fact that because of new Visa regulations that went into effect in October 2016 all companies where going to have to upgrade their terminals. Almost all new terminals manufactured have the required NFC chips. In the US if a company does not have a chip terminal, Visa is holding the company liable for any fraud that occurs. Before last October as long as the signature on the credit card receipt matched the one on file with the card issuing bank, the company that took payment for the card would not be held liable for fraudulent transactions.

Part of the security in the new chip based card (and Apple Pay) is the actual account number is not transmitted to the retailer. A one time use number is sent instead. This makes it very difficult for companies to store your credit card number and develop a lifetime purchase history for you. What Apple was not counting on was that this purchase history data was so important to the retailers that they would decide to accept the liability shift for fraudulent transactions instead of giving up this purchase history data. Even when the retailer has upgraded the terminals they are turning of the chip reader and the NFC capabilities to preserve your purchase history data.
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Yes and this is where Visa and MasterCard or rather the payment industry needs to change. These rules which are called PCI in the industry are for the most part voluntary. Merchants are supposed to use the Chip on cards that have it because of the liability shift as you stated. You also stated correctly that they are not and why. What need to happed is that PCI needs to be Mandatory. Don't comply- no card processing for you. This would be best for the customers and for the banks. It would reduce fraud and breaches by a high order. Sorry merchants your right to collect data should not come at the expense of everyone else's rights. Follow the rules or no card access.
 
gavroche said:
I thought the US was behind in a lot of things. Like Bluetooth.... i remember resding about it and how it was built into non US models of devices long before anyon ein the US ever saw it...
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What I don't get... you can pay in the US with chip + pin.

Why would you go through the trouble of scrolling through screens or folders, launch an app, scan bar code and pay .. instead of insert debit/credit card and enter pin code or even easier... hold card next to reader and let NFC handle the rest (you don't need an iPhone for wireless transactions, provided there's NFC on the banking card).

Welcome to the future.... QR codes ?
 
Who else takes Apple Pay? My local Microsoft store! I've bought three Surface computers with Apple Pay, the last two using my Apple Watch. They're fine with it.

The most frustrating holdout has been restaurants, where it's a "service" to take your card back to their cashier station to do the charge. Big grocery chains are also lagging, but Trader Joe's and Whole Foods have taken Apple Pay for years.

Apple Watch is really the piece that makes Apple Pay so convenient. I don't have to dig into my purse for wallet, phone, or anything else.
 
NachoGrande said:
That's my problem with apple pay. Unless I see a sticker saying that it works I don't even try. I can't tell you how many times I looked like an idiot trying to pay with my phone only to find out it doesn't work.
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Just look for the NFC logo on the POST’s display when you’re about to swipe your card. If you see it, it does tap to pay. Or, simply ask. It’s really not difficult or scary.
 
ineedamac said:
One thing I could not find out is how Walmart Pay works. Does it use a token code or does it share the actual credit card number? I prefer the security of Apple Pay and not sharing my credit card number with the retailer.

I agree with other comments, I'd like to see more acceptance of all NFC payments.
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It uses the actual number and it is stored in Wal-Marts servers, waiting for someone to hack in and get the largest treasure trove in recorded history.
 
I do not want to give even a modicum of my info to walmart. I do not want to be bombarded with "promotions." I do not want to mess with qr code scans. Perhaps most importantly I have no desire to shop at walmart.
 
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This is extremely misleading. 5.1% of transactions AT WALMART use Walmart Pay. 5.9% of all pay,ents everywhere that are on terminals that accept contactless pay,ents use ApplePay. You can’t compare the two... it’s 5.1% of a small puddle vs. 5.9% of an ocean.
 
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Not going to wait for adoption rate for these mobile payments to go up. Usually end using debit.

What if the cashier drops your phone in a drive-thru? They're probably trained for swiping a card but not holding your phone and scanning it.

What if some hole-in-the-wall restaurant that offers really good food wants CASH ONLY? I have a mechanic for my car who changes my oil who prefers cash.

Debit > Mobile payments

You can get money from an ATM using debit. Mobile payments just end up secondary and only useful if you left your debit at home.

Novelty wears off when you realize debit is like 97% accepted. Samsung Pay is 85%. And Apple Pay and Android Pay are below 50% and below 10% to restaurants where I eat my lunch.

Craving to eat some Original Thai BBQ chicken (S1) with that sauce at Cerritos now. Mmm mmm good. I know Samsung Pay might be accepted but not Apple's.

MST > NFC
 
Places that accept Apple Pay have been getting additional business from me, while places that don't have been getting progressively less. There are several convenience stores on my area that have NFC terminals, so I go out of my way to go to those stores instead of the ones that don't. Best Buy and Academy also accept Apple Pay. Food is one area where it's pretty lacking, but if I am eating poorly, Chick-Fil-A accepts Apple Pay in all of their stores. Target also does in my area, so I just skip Walmart and shop there instead.

I'm glad Walmart is seeing success with their app, but that's just another place that has my CC information. A place that, in my opinion, probably doesn't do a great job with network security. I'd much rather leave that to Apple / Google / Samsung than Walmart.
 
So Wal-Mart pay is used in about 5% of transactions af Wal-Mart. Where Apple pay is used in about 5% of transactions everywhere. Wal-Mart is just playing with the numbers here to try and make it look close.
 
mdelvecchio said:
Just look for the NFC logo on the POST’s display when you’re about to swipe your card. If you see it, it does tap to pay. Or, simply ask. It’s really not difficult or scary.
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Most NFC payment system still don't work with Apple pay. definitely not scared, but definitely difficult.
 
tdar said:
MCX and CurrentC's work is directly embedded into Wal-Mart Pay. Remember Wal-Mart was the founding supported of MCX.
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Except that wasn’t the goal of MCX/CurrentC (confined to a single store). It was supposed to be adopted by numerous large retailers and become a serious threat to systems like Apple Pay.
 
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gavroche said:
I thought the US was behind in a lot of things. Like Bluetooth.... i remember resding about it and how it was built into non US models of devices long before anyon ein the US ever saw it...
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Wow brings back some memories. What actually happened was stuff like Bluetooth was indeed built in to the phones in the US too but the carriers had the manufacturers software disable this kind of stuff because they wanted to be able to nickel and dime you for everything they could. If Verizon couldn’t figure out a way to charge you money to use Bluetooth (or whatever) they would just have it disabled.

You almost forget just how absolutely awful the mobile industry was before Apple came in 10 years ago.
 
This is terrible news. This is only going to spur more companies to think they can launch their own “pay”. We don’t need one for each store or app. Fragmentation is a bad thing. Why can’t all merchants offer NFC, so regardless of your preference, I‎t will be supported?
 
neuropsychguy said:
Well we know this "study" wasn't peer reviewed. Walmart Pay is accepted in Walmart and Walmart and Walmart... Apple Pay is accepted in many stores. This is a comparison of two very different things. If Walmart Pay branches out and is accepted at other stores then we can start to make the comparison.
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Yup! This!

I think (bet!) they are comparing Apple Pay usage INSIDE Walmarts only.
 
NachoGrande said:
Most NFC payment system still don't work with Apple pay. definitely not scared, but definitely difficult.
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Apple Pay = NFC = Android Pay. IIRC Apple Pay is all based off the NFC standards so any place that takes NFC will take Apple Pay.
 
I've never even heard of Wal-Mart pay and how will this continue to thrive when Amazon puts them out of business?
 
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