Except I don't want to swipe. Merchants need to get with the 21st century and place duct tape over the mag-stripe reader and only allow chip & contactless transactions.
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'Walmart Pay' Mobile Wallet Rolls Out to Nearly 600 Stores in Texas and Arkansas
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Except I don't want to swipe. Merchants need to get with the 21st century and place duct tape over the mag-stripe reader and only allow chip & contactless transactions.
I can confidently say this would have slowed things down. I was able to scan the QR code on the pinpad device while the cashier was scanning my other items. Your suggestion sounds like how Target does the Cartwheel scan.
Yes. There are no loyalty benefits for the customer either from what I can tell. I really don't see any good reason for anyone to use this.
Wonder if a centralized version of this will be what MCX (or another company) morphs to. MCX was DOA for a lot of reasons, largely because they wanted direct access to routing/account numbers. But if they create a third party solution that uses credit/debit cards, morphs in savings/member/discount cards AND is easy to use from the wallet once it's set up...does that become a viable competitor to AP.
AP will always trump on security and true anonymous transactions. But if it's between saving money/linking to customer reward problems, etc - what will consumers gravitate towards....
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How can you seriously launch a payment system for a single store while alternatives provide for international all-kind payment systems, which is technological inferior, and still believe that you are doing this for the sake of the customer??? What have they been smoking?
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I don't drink coffee........
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I don't drink coffee........
I use my Discover card with Apple Pay. When I pay with apple pay the funds come out of my Discover card and my monthly Discover statement breaks things down into categories like entertainment, gas, etc.
Come on, stop this nonsense, if you want something in your premium car, it is on the option list. Apple is no different and also no worse: grow up.
I believe the order of payment options would always be
1. Swiping
2. Apple Pay/Google Pay/Samsung Pay
3. Chip Reading
Why? Because swiping is just so much faster for the majority of people. However, as this method will eventually be faded out due to chip card requirements, then I think many will start to use the smart phone as a payment option.
Not so much because pulling your card out and using the chip is easier, but because people get frustrated when they pull out the card too quickly and have to do it over again and wait that 15-20 seconds. I personally hate using the chip card.
The next big thing is advertising the mobile payment at the register, because it sucks trying to use it and then told you can't.
1. Swiping
2. Apple Pay/Google Pay/Samsung Pay
3. Chip Reading
Why? Because swiping is just so much faster for the majority of people. However, as this method will eventually be faded out due to chip card requirements, then I think many will start to use the smart phone as a payment option.
Not so much because pulling your card out and using the chip is easier, but because people get frustrated when they pull out the card too quickly and have to do it over again and wait that 15-20 seconds. I personally hate using the chip card.
The next big thing is advertising the mobile payment at the register, because it sucks trying to use it and then told you can't.
I noticed this at the register here in Kansas on Friday. So it's available at more than the states listed.
That said I don't want the Walmart app. And have them scan the phone and all that crap. In the last year I've received three new cards because my card information could have been compromised. Allowing these companies to store my information doesn't make me feel safer. I'm not saying Apple will never have an issue but for now they have my trust and I will only use one form of mobile payment. Otherwise I'll continue to ask if they (places) accept Apple Pay and if not proceed to just use my card.
That said I don't want the Walmart app. And have them scan the phone and all that crap. In the last year I've received three new cards because my card information could have been compromised. Allowing these companies to store my information doesn't make me feel safer. I'm not saying Apple will never have an issue but for now they have my trust and I will only use one form of mobile payment. Otherwise I'll continue to ask if they (places) accept Apple Pay and if not proceed to just use my card.
DOA
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In Starbucks App I can just order my drink beforehand and all I need to do is pick it up from the pickup counter, thus avoiding the cash register altogether.
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In Starbucks App I can just order my drink beforehand and all I need to do is pick it up from the pickup counter, thus avoiding the cash register altogether.
The difference is the Starbucks app was around before there were more viable options, such as Apple Pay. I used the Starbucks app and it was great, but now that we have an option that can potentially be used everywhere, individual retailers do not need to come up with retailer-specific options. It's like, many of us used a separate GPS, phone, camera and everything else before the iPhone. Why now, would we be interested in buying a GPS or (outside of professionals or hobbyists) a separate camera? If Wal-Mart can provide a superior product like Canon and Nikon, then let's talk. This however, is not a superior product. It will only benefit Wal-Mart, not the shopper.
3G/4G is more than fast enough to handle a card transaction in a reasonable timeframe. Dialup, on the other hand...
CVS always scans my card before scanning my other items, and that doesn't seem to add much time. But I get what you're saying.
A lot of that is learning curve. Pulling it out too early will probably become less frequent over time as more people get used to it. Also, as I mentioned above, chip is going to eventually get to the point at most places where it's not that much slower than AP; as a result, I'm not sure if NFC is going to be all that attractive to people who aren't already using it by then.
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Right now. However, we're not that far off from a future where you can ring up your items yourself while you're shopping and pay for them without waiting in line. This benefits both the store and the consumer (less staffing costs/being able to serve more people in a given time period/being able to get out of the store faster), whereas NFC only saves the customer like 2-3 seconds and doesn't save the retailer all that much money.
If anything, Apple needs to do way more to encourage in-app integration of Apple Pay than they're currently doing, lest they get left behind by solutions like Walmart's that stores card data on their servers.
You're forgetting that Walmart employees will all be thoroughly trained on how to use Walmart Pay, but also to sell customers on Walmart pay. This will likely be a much more effective payment method than a third party one, or chip cards which many merchants and customers are having to relearn in the process as well.
I'll agree to a stalemate on that......
Moral of the story is no one should be shopping at a store that openly tells their employees how to get on government assistance while the Walton family is worth over $150 BILLION dollars. The richest family in the country. But it's nice to know they have a 50 million dollar underground bunker in case the end of the world comes......(true story)
This is not the job of a "payment" system. How could it possibly provide that information if its treating transactions as anonymous? What you are asking for is available through most credit card and debit card systems... the cards that are attached to Apple Pay. That is where the information can be logged on what each purchase was.
It means that these companies that process billions of dollars worth of transactions every year have shown time and again that they are woefully lax when it comes to safeguarding our debit/credit card numbers. Therefore, I want to keep them from getting my actual card information whenever possible.
Apple is just pursuing a pricing strategy like any other company. All companies do this, ever looked at the option list of for example Mercedes?
Not certain, but I thought they supported other payment platforms like Samsung Pay as well.
I can't believe they actually followed through with this..
No one on the board of directors thought this was dumb?
No one on the board of directors thought this was dumb?
Windows 8.1 and Windows 10 are / were free for a long period of time.... Free upgrades like OSX.
Windows 10 will soon be paid for. Personally, I can't see why microsoft will start charging in July....
That's the point I was making. I could use Samsung Pay at Walmart if I wanted to.
Wegmans has NFC, but that isn't a difference maker to me anymore. Although I wish Wegmans would move their butts on the chip reader. As they've said:
(Spring 2014): We'll have the chip reader activated by fall 2015.
(Nov 2015): We'll have it running by the end of the year.
(March 2015): We'll have it ready later this year.
Do you see a pattern with that...