Their solution uses the Wallet App so you don't have to unlock your phone, making a bit easier.
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'Walmart Pay' Mobile Wallet Rolls Out to Nearly 600 Stores in Texas and Arkansas
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Their solution uses the Wallet App so you don't have to unlock your phone, making a bit easier.
Well Mint doesn't really tell you other than XXX dollars spent at merchant YYY. At Walmart, someone could be buying groceries, household, kids gifts, movies, etc. Having an app that breaks that down would be fantastic.
Really? I keep my credit cards in my wallet, and keep my wallet in my pocket; I had assumed most people did something similar. What do you do-- keep your credit card loose in its own pocket, or wear it on a chain around your neck?
If they roll this out to ASDA in the UK. It's going to bomb, hard. Existing contactless payment methods are too entrenched and have been for years, long before Apple Pay, which helped Apple Pay because of public awareness and ease of use, but it will just hinder something like this. The extra steps will annoy people and it'll fail.
ASDA are one of the last big hold outs on contactless pay, presumably because of their backwards parent Walmart, I hope they just give up on this and fall in line. When other huge companies like sainsburys have committed to a national rollout of contactless terminals, it's making ASDA and Walmart look pretty slow and cumbersome.
That said, I don't think it's going to do well in America either, which probably means it won't happen in the UK, shame their customers had to wait years to just get to use what everyone else was enjoying.
ASDA are one of the last big hold outs on contactless pay, presumably because of their backwards parent Walmart, I hope they just give up on this and fall in line. When other huge companies like sainsburys have committed to a national rollout of contactless terminals, it's making ASDA and Walmart look pretty slow and cumbersome.
That said, I don't think it's going to do well in America either, which probably means it won't happen in the UK, shame their customers had to wait years to just get to use what everyone else was enjoying.
Of course! Why would I want to have one single payment solution that works at every retail location? That would be too pedestrian and simple. I'm going to have a wallet for every store that I shop at! Brilliant. I can't wait to manage 50 different accounts, and sign up for new ones each time I visit a new store! Oh, what's that? Three of my 50 accounts were hacked this month? Fantastic! Incredible! Like the man said, this is truly "an innovation that will make the ease of mobile payments a reality for millions of Americans." Can't freaking wait.
Walmart links your credit card. Bank Account not required. With starbucks, you can manually reload your virtual gift card or have it done automatically. It can be done with apple pay, credit cards, or Paypal. It does not use your bank account. I actually think Walmart is better since they don't load a virtual gift card for payments like Starbucks does. That is one thing I don't like about the Starbucks payment system. A small price to pay for their rewards and discounts for reward members.
BTW, my bank does offer fraud protection as well. A friend had his account drained and they made him whole within a day. I'm certain some banks don't have this protection, but some do.
One of those two states is by far the biggest in the contiguous United States. The other is Arkansas, where I've seen quite a few "little Walmarts" as I call them, which basically exclude most of the food section. I'm not sure of the density of these stores outside my state and its southern neighbor, but have an anecdote anyway.
I GUESS. I'm single so tracking my purchases is fairly simple. I'm sure Walmart already has that profile on us. I doubt they would be willing to ADMIT that by giving us access to all of that info. This QR system is inherently flawed though. It is just CurrenC masked with a fancy new name in each store. I'm pretty sure they still recommend tying a bank account to it instead of a credit card. If you do that, you have ZERO fraud protection. Banks do not reimburse if someone steals your account and routing info. Plus, all that info is stored on some server somewhere instead of on encrypted locally on your own device. That makes it a PRIME hacker target. Hell, CurrenC was hacked fast one when news came it was in development by the Apple Play holdouts. I see this going south pretty fast.
Walmart's solution might not work for the majority of MR's posters, but I'd bet all kinds of money it will work for the majority of their customers. A lot of those customers may not have the latest phones or NFC equipped phones. While I completely agree they should let the NFC implementations work, I can understand them wanting to have control over their own destiny, so to speak.
Personally, I wish Apple Pay and Android Pay would adopt MST like Samsung Pay. Then there would be no issue of acceptance at the majority of businesses.
I don't understand. All of that information is in your credit card statement every month. Also, how would the vendor know how to categorize your purchases?
Interesting, I know my Cumberland Farms card is bank account only. I figured that with Walmart pushing away from Apple/Android Pay due to the cost of processing those transactions, they'd only allow bank accounts to be tied to it.
Most credit cards will do that for an individual card. If you use tons of other cards, then use www.mint.com or similar services and that'll organize data for you.
The main difference between Apple Pay and "solutions" like this are that Apple Pay was built for the consumer (convenience, data protection, etc) and others like Walmart's are built to increase sales (coupons, flyers clogging up your mailbox, another email/spam list to be on, etc.).
I use Apple Pay in places that take it, but it's not that useful if you also have a rewards card with that retailer and have to pull out your wallet anyway. Some retailers also ask for the "device number" or your license on purchases over $50 which is stupid and likely not how they should be implementing Apple Pay.
Anyway, zero interest in individual retailer apps. My guess is the only people that will use this are diehard Walmart goers interested in saving $0.50 on their next box of cereal. The VP's in Bentonville will wonder why Walmart Pay adoption is low, and a bunch of developers will get canned. Walmart starts accepting Apple Pay in 2018.
I use Apple Pay in places that take it, but it's not that useful if you also have a rewards card with that retailer and have to pull out your wallet anyway. Some retailers also ask for the "device number" or your license on purchases over $50 which is stupid and likely not how they should be implementing Apple Pay.
Anyway, zero interest in individual retailer apps. My guess is the only people that will use this are diehard Walmart goers interested in saving $0.50 on their next box of cereal. The VP's in Bentonville will wonder why Walmart Pay adoption is low, and a bunch of developers will get canned. Walmart starts accepting Apple Pay in 2018.
Can I double tap my watch button and pay without pulling anything out of my pocket? No? Well then I'll just pull out my wallet. Oh, never mind, it's Walmart, where I stop MAYBE once in a year to pick up one thing.
Let's be honest here. No one fumbles to pull out a phone or a wallet. To suggest so furthers narratives, but other than that it doesn't reflect reality. We're talking under 5 seconds for either. Even if it's 10-20 seconds to complete the entire transaction, there's really no time benefit either way. It's not like someone could save up all those additional seconds and use them on vacation.
The big benefit of NFC payment is security.
I was at McDonalds 2 weeks ago and finally used my iPhone to pay. They have no clue how to process my payment. Until the manager came and help, she said they only have one customer using it and it's only on drive-thru. If Apple Pay is not used often as I thought it would. How much more this Walmart Pay on top of that a TYPICAL Walmart customers would never know.
Seems like more work, not less, def more app clutter. What is the incentive for the user again? I can store my receipts which usually go in the trash can. How exciting.
Walmart wants every penny of the sale for themselves, even if their system isn't as good for customers as Apple Pay.
I just went to a Walmart Grocery this weekend, grabbed a bunch of groceries and proceeded to check out, not realizing I had left my wallet at home. They had Walmart pay enabled, and luckily I had my phone available. Turns out, Walmart doesn't have Wi-Fi in their stores for customers, and had zero signal strength due to the store being in a concrete box. Decided in the end it was easier to drive home and get my wallet than try to use Walmart pay....
Why can't Walmart do this and support things like Pay? Not everyone has an iPhone and not everyone uses Pay, Android Pay etc. Also if they have a compelling reason for someone to use Walmart Pay (deals, points, coupons) then frequent Walmart shoppers would use their solution anyway, yes?