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'Walmart Pay' Mobile Wallet Rolls Out to Nearly 600 Stores in Texas and Arkansas
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I'm sorry for using your quote, but these paranoia "protect my information" posts are shortsighted and slightly annoying. If you've used your credit/debit card at Walmart in the past, they have your information already. If you haven't or won't, you're no worse off than you were before the article was posted.
"...protect MY debit card information from them." What does that even mean? What do you think they're doing with it?
I think they're working to make that possible *everywhere* by the end of the year. It has been up and working at various Starbucks for over a year now based on my personal experience - Tempe, AZ and Portland, OR areas to name two that had it; Austin, TX did not (which kind of surprised me)
I'm sure the extra personal data they get from the app makes up for the credit card fees. With apple pay they'd get none of it.
Not many Walmarts here in NY but when I have been in them I dont get a sense that im junk shopping.. Its like target but cheaper.
There is a difference between a single transaction with your CC and having a CC on file with a hackable company...
Not anymore. I had to cancel my Target card after they implemented "chip AND PIN" requirements for Credit transactions, increasing transaction time from about 1 second to around 20. And thats only if the person ahead of you doesn't take their card out too soon and have to start over.
There is no "fumbling" with my phone, I always have it at hand. Also, not sure what you mean by "hoping the transaction works" (??) Apple Pay has never failed me, and is by far the pastest payment I have ever made, including cash, credit, or anything else.
[doublepost=1463414933][/doublepost]
If you can't see a difference between WalMart and Target merchandise, then you are the demographic WalMart is looking for
I used Walmart Pay just last week to test it out. It was fairly painless. You scan the QR code on the terminal, which you can do at any point while the cashier is ringing up your items. You then get a notification your connected and at the end it notifies you that the transaction is complete. It offers you a quick tap to submit the receipt to Savings Catcher to get back money from sale prices at competitors. The money back can be saved as an egift card that can be used the next time when you use Walmart Pay. It's a couple of taps more than Apple Pay, but not that big of a deal.
Maybe back when they first got it, but not so much now. If anything, the places that still use dialup here possibly should be allowed to run low-valued transactions offline, or else given sweet deals on a 3G/4G terminal setup.
It will get faster, mainly because it has to. For as much complaining about card fees that retailers do, having large numbers of their customers going back to cash would ultimately cost them more.
Seriously, try using your chip card at Walgreens and be pleasantly surprised.
Yeah, Microsoft is a software company that charges for the OS and Apple is a hardware company that doesn’t.
Screw it, here it is anyways. hate away. ** First hand experience using it **
Here we go...
Yes, you have to download the Walmart mobile app. You may not already have it installed, but millions do.
You then load a credit/debit card into the account. It does NOT have to be a checking account/ACH like MCX was intended.
I set a passcode but then it let me opt into using TouchID instead of the passcode which I chose.
When checking out, a QR code appeared part-way through the transaction on the pinpad screen. I opened my app, clicked "Walmart Pay" on the home screen, and then thumbprinted my way in. Two clicks and a thumb press. Not TOO crazy.
Scanned the QR code on the screen, then it linked my account to that transaction, and it was done. Really simple actually. The receipt showed up as a push notification almost immediately, and then was in my app. Pulling it up actually showed each individual item including thumbnails for each item (which I found impressive). I could also submit it with a single button press to the savings catcher program. They really did make it easy.
Few notes:
* The cashier had no idea what happened. Was confused, but seemed to trust me when I said "I just paid for it on here". I assume something on their screen showed them the balance was now $0.
* There was no printed receipt. This is different from Apple Pay in that you get all the same receipts typically since it's just a 'temporary' credit card, and the POS has no care that it was not a physical credit card in determining how to finish it off. This could pose an issue for locations who like to check receipts on the way out. It also confused the cashier as it was that awkward "so, we're done here?" without the receipt handoff.
All in all, pretty decent experience. Knowing that Walmart is not targeting the high-tech, Apple-product spending audience most of the time, opening it up to other methods that will work with basically any phone with a camera (so 99% of them), this is good for them, and honestly really well done for what it is.
And it took an unlock, 2 clicks, and a thumb-ID. Not too much more than Apple Pay.
Here we go...
Yes, you have to download the Walmart mobile app. You may not already have it installed, but millions do.
You then load a credit/debit card into the account. It does NOT have to be a checking account/ACH like MCX was intended.
I set a passcode but then it let me opt into using TouchID instead of the passcode which I chose.
When checking out, a QR code appeared part-way through the transaction on the pinpad screen. I opened my app, clicked "Walmart Pay" on the home screen, and then thumbprinted my way in. Two clicks and a thumb press. Not TOO crazy.
Scanned the QR code on the screen, then it linked my account to that transaction, and it was done. Really simple actually. The receipt showed up as a push notification almost immediately, and then was in my app. Pulling it up actually showed each individual item including thumbnails for each item (which I found impressive). I could also submit it with a single button press to the savings catcher program. They really did make it easy.
Few notes:
* The cashier had no idea what happened. Was confused, but seemed to trust me when I said "I just paid for it on here". I assume something on their screen showed them the balance was now $0.
* There was no printed receipt. This is different from Apple Pay in that you get all the same receipts typically since it's just a 'temporary' credit card, and the POS has no care that it was not a physical credit card in determining how to finish it off. This could pose an issue for locations who like to check receipts on the way out. It also confused the cashier as it was that awkward "so, we're done here?" without the receipt handoff.
All in all, pretty decent experience. Knowing that Walmart is not targeting the high-tech, Apple-product spending audience most of the time, opening it up to other methods that will work with basically any phone with a camera (so 99% of them), this is good for them, and honestly really well done for what it is.
And it took an unlock, 2 clicks, and a thumb-ID. Not too much more than Apple Pay.
What? How? The single transaction is how a company gets your card on file. Hackable company? In the most respectful way possible, that's the... no way to make it respectful. Think of it this way: Name one company that isn't, to borrow your term, hackable. Honestly, I really don't even know what point your trying to make. Apologies, I didn't eat breakfast so all neurons aren't firing.
I agree with your first part of the comment with "saving money" because that's where Walmart has built it's empire from; people who want to pay the lowest price possible, regardless of the quality of the good.
However, I disagree with the second half because…have you used PIN & chip cards yet?! The transaction takes nearly a minute to do. Yeah, it guarantees that business gets their money, but it isn't speedy AT all. Apple Pay is what I use and find it available at more and more places around me.
I totally agree....like most thinks Walmart....the vendor was the low bidder and probably Chinese......most of their store terminals work poorly.
Wegmans is unfortunately not in my neighborhood.
But, I like them a lot. They have good products and offer extra things not found in every supermarket.
As for store brands being made in the same factories as the REAL brands, that is well known, however cannot be publiziced of course.
We have ALDI in my neighborhood, Shoprite and Stop and Shop , Price Chopper, all with their own brands of the same product like the real brand. Some are better in passing off the discounts than others.
Obviously they wouldn't open a factory to produce their own cereal or dog food etc..
Proof was for me when there was a call back of tainted dog food. Showed many REAL brands and store brands made in the same factories. Some time ago there was an ALDI TV report where this was also stated.
Depending on what you shop for items can be 20 cents or more less than the brands. America gets especially gauged when it comes to cereal and yoghurt (My experience)
Not going to hate. I don't shop at Walmart often so I wouldn't download this, but QR/barcode based solutions can work well. I mean, Starbucks got like 1/3rd+ of their customers to use their app on a consistent basis, and that's basically a prepaid card that you have to reload once in a while.
One thing that they could do to improve it would be for the cashier to scan the phone instead. It'd ultimately be more reliable since some cell phone cameras are pretty crappy.
When you try to use Apple Pay at Walmart, you end up standing a long long time at the register
Gary
This short-circuits me a little. Merchant's don't have to specifically support Apple Pay. They just have to support NFC. Not supporting Apple Pay when they support NFC is more work as they actually have to specifically block Apple Pay. It's nonsensical.
Customer: "Look! I have money! It's right here!"
Merchant: "Sorry, I accept NFC Visa/Mastercards, but not orange ones."
WTF?
Customer: "Look! I have money! It's right here!"
Merchant: "Sorry, I accept NFC Visa/Mastercards, but not orange ones."
WTF?
And WalMart probably could have done even better if not for the limitations of iOS platform that does not have a full blown support for NFC.
Not anymore. I had to cancel my Target card after they implemented "chip AND PIN" requirements for Credit transactions, increasing transaction time from about 1 second to around 20. And thats only if the person ahead of you doesn't take their card out too soon and have to start over.
There is no "fumbling" with my phone, I always have it at hand. Also, not sure what you mean by "hoping the transaction works" (??) Apple Pay has never failed me, and is by far the pastest payment I have ever made, including cash, credit, or anything else.
[doublepost=1463414933][/doublepost]
If you can't see a difference between WalMart and Target merchandise, then you are the demographic WalMart is looking for
Agree that C&P is a lot longer transaction. Hoping is more about hoping the location has their NFC turned on. We know the usual players, but it's always hit or miss on those who have the generic NFC symbol where the functionality may or may not be activated.