'Walmart Pay' Mobile Wallet Rolls Out to Nearly 600 Stores in Texas and Arkansas

[benjitek]

You can use ApplePay at starbucks. I've done it several times now.

Sort of -- you can recharge your Starbucks card with ApplePay, but they don't yet accept it at the register. Thanks though for stopping by
[doublepost=1463425901][/doublepost]

Their solution uses the Wallet App so you don't have to unlock your phone, making a bit easier.

You don't have to unlock your phone to use ApplePay -- you just double-press the home button from the lock screen.

 

[American Hero]

You don't have to unlock your phone to use ApplePay -- you just double-press the home button from the lock screen.

Better yet your phone senses the NFC capable terminal and opens up wallet by itself.

 

[canadianreader]

Will never use it because I don't like companies that really don't listen to their customers and pretend they do with empty slogans like "something we know our customers want" yeah right

 

[0000757]

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.

Unfortunately, you don't speak for the entire United States. Merchants ARE with the 21st century. In fact, terminals that support chip readers don't even let you swipe the card, only use the chip reader. Some retailers have it but its not enabled yet. However, most American shoppers just don't care. They're fine with swiping their card.

Apple Pay, Samsung Pay, Android Pay, Walmart Pay, Chip Readers, they're all nice, cool, fun, and secure, but most people don't care. It's no more easier to them to pull out their phone than it is to pull out their card.

 

[rugmankc]

Too many steps with their new system. I will keep using my LoopPay FOB til they get AP, if ever.

 

[American Hero]

However, most American shoppers just don't care. They're fine with swiping their card.

And also don't care that we look like the dunces of the world. I bet they'd care if the government let the banks stop covering all of the fraud that goes around.

 

[0000757]

And also don't care that we look like the dunces of the world. I bet they'd care if the government let the banks stop covering all of the fraud that goes around.

I sincerely doubt America is considered the "dunce" of the world because not everyone uses a chip card.

Also, retailers who don't use chip readers have to accept full responsibility of fraud. Most still don't care.

 

[gaximus]

You don't have to unlock your phone to use ApplePay -- you just double-press the home button from the lock screen.

Which is what I was saying, with Starbucks you don't have to unlock your phone, just use Wallet.app by double-pressing the home button. The walmart version you have to unlock your phone.

 

[tmiw]

And also don't care that we look like the dunces of the world. I bet they'd care if the government let the banks stop covering all of the fraud that goes around.

Germans mostly use cash, yet no one thinks of them as dunces. And Americans would probably end up doing the same if we ended up being liable for card fraud.

 

[American Hero]

I sincerely doubt America is considered the "dunce" of the world because not everyone uses a chip card.

I don't want to get into politics and off topic, but the chip card thing is just one of many reasons why. Look at the metric system and healthcare as other examples.

 

[0000757]

I don't want to get into politics and off topic, but the chip card thing is just one of many reasons why. Look at the metric system and healthcare as other examples.

I'll give you healthcare (though applying a healthcare system that works for ~4-10 million people may not work in a country with ~300 million), and I'll give you the metric system (when it comes to measurements anyways. Metric is really dumb for weather in my opinion), but really? Chip cards? Maybe some xenophobic elitist, but nobody is sitting there saying "haha Americans are SO dumb, they still SWIPE cards!"

 

[American Hero]

but really? Chip cards? Maybe some xenophobic elitist, but nobody is sitting there saying "haha Americans are SO dumb, they still SWIPE cards!"

Canadians and people from the U.K probably don't blurt it out, but you can be sure they're rolling their eyes when they look the other way.

 

[0000757]

Canadians and people from the U.K probably don't blurt it out, but you can be sure they're rolling their eyes when they look the other way.

I sincerely doubt that, but OK.

 

[tmiw]

I'll give you healthcare (though applying a healthcare system that works for ~4-10 million people may not work in a country with ~300 million), and I'll give you the metric system (when it comes to measurements anyways. Metric is really dumb for weather in my opinion), but really? Chip cards? Maybe some xenophobic elitist, but nobody is sitting there saying "haha Americans are SO dumb, they still SWIPE cards!"

It seems more common to complain about stuff like ATM fees, checks and non-instant bank transfers than cards. I bet the last two go away/get fixed as soon as it's no longer profitable and not a second before.

 

[kdarling]

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.

Yes, being able to support any phone with a camera, is a big draw for using QR codes. Makes for a much more universal platform.

Such widespread support is the SAME reason why airlines use QR for boarding passes... even on an iPhone.

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.

Exactly.

If Apple would simply open NFC to any app, the same as they did with Touch Id, then Walmart and airlines and all sorts of applications could be made easier and quicker to use.

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.

Indeed, the worst case would be if one of the token vaults (the servers where the tokens are translated back and forth with the real account numbers) was hacked. That would make even the Home Depot or Target breaches look like nothing.

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.

Mostly, however chip transactions have been speeding up quite a bit at many merchants now that the new software is coming down. Heck, I was at Walmart just the other night buying a quickie replacement toaster oven, and the chip payment was really quick.

 

[0000757]

It seems more common to complain about stuff like ATM fees, checks and non-instant bank transfers than cards. I bet the last two go away/get fixed as soon as it's no longer profitable and not a second before.

Exactly. Apple Pay is nice, and so are chip readers, but i'd be way more excited to hear banks get rid of these features rather than add Apple Pay support (though I'd still be excited if my credit union finally supported my debit card on Apple Pay!).

 

[tmiw]

Exactly. Apple Pay is nice, and so are chip readers, but i'd be way more excited to hear banks get rid of these features rather than add Apple Pay support (though I'd still be excited if my credit union finally supported my debit card on Apple Pay!).

Yep. BofA charges $3 for ACH transfers that they'll get to sometime during the week, for instance, which is stupid since the Federal Reserve basically charges nothing. I think requiring them to be zero charge to consumers and to be submitted to the Feds within one business day would go a long way towards reducing their crappiness.

 

[American Hero]

Exactly. Apple Pay is nice, and so are chip readers, but i'd be way more excited to hear banks get rid of these features rather than add Apple Pay support (though I'd still be excited if my credit union finally supported my debit card on Apple Pay!).

I do agree with that. I hate having to wait for a transfer to be done. If I want a "cheap" transfer, it's going to take 3-5 business days to complete. A wire transfer is almost instant but that costs over $30.00 usually. In order to solve that problem, I just write myself a check and deposit it to another account from my phone.

ATM fees I can understand, though. If you're going to take another bank's money out of their ATM, why would the ATM owner (the other bank) not charge your bank a fee for it? Which of course the bank would pass down to you.

I do notice how foreign transactions fees are disappearing though, which is good.

 

[Z400Racer37]

 

[PotatoLeekSoup]

DOA.

 

[Orlandoech]

"The service was built to make shopping easier and faster, something we know our customers want,"

If you really meant that, you'd embrace Apple Pay, Android Pay, and Samsung Pay that are already in abundance. Forcing customers to download, install, sign up for, and configure your app just for your store is not something that customers want to do.

Dude, rewind, if they really meant it then they would open more than 2 of their 100 registers with training cashiers.

 

[rjlawrencejr]

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.

Which retailers are doing that? Have you objected? I know I would. To me, that is like asking for ID when using a debit card.

 

[benjitek]

Which is what I was saying, with Starbucks you don't have to unlock your phone, just use Wallet.app by double-pressing the home button. The walmart version you have to unlock your phone.

Oh -- OK, didn't realize you hadn't actually read what I typed
[doublepost=1463433064][/doublepost]

Better yet your phone senses the NFC capable terminal and opens up wallet by itself.

Nah -- I'd rather it not self activate like that, or the ability to turn that off in settings...

 

[rjlawrencejr]

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.

What part of the US are you in? Whenever I visit McDonlald's I always use my watch and I don't recall ever running into any issues.

 

[MH01]

Why wouldn't they? Apple user base has grown with iPhone way beyond the traditional base. I'm not rich enough to skip Walmart. I think I bought my iPhone at Walmart.

Walmart is just a company like every other company (just like Apple) trying to make money. Nothing about Walmart is unusual.

I really don't know, I'm not from the US, just from reading these forums, I got the impression Walmart was not a place more well off people shopped