ProfessionalFan
macrumors 603
Exactly, this is a common mistake people make about every subject when bringing up SCOTUS.
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Walmart Still Doesn't Accept Apple Pay in U.S. Despite Many Customer Requests
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Regardless, I believe a lot of states basically gave up at that point and stopped enforcing said laws anyway.
BaldiMac
macrumors G3
I don't know what you mean by that. Surcharges are still illegal in 11 states.
Can You Charge Your Customers a Credit Card Processing Fee? | Business.org
Credit card processing fees are expensive, but charging your customers a fee for using plastic may not be the best way to recoup costs.
www.business.org
I don't know what you mean by that. Surcharges are still illegal in 11 states.
Can You Charge Your Customers a Credit Card Processing Fee? | Business.org
Credit card processing fees are expensive, but charging your customers a fee for using plastic may not be the best way to recoup costs.
Not 100% true. For example, California isn't enforcing their law for merchants that are similar to the ones that brought that suit.
FloatingBones
macrumors 68000
Maybe we'll reach a point where Walmart will be legally blocked from harvesting the purchasing habits of their retail customers.
BaldiMac
macrumors G3
Different case, but point taken. Notably, this decision is more about misleading ads than surcharges. These companies simply wanted to advertise the cash price instead of higher price with a discount for using cash. The court ruled that as long as they were including the surcharge in the ads, then customers weren't being mislead.
compwiz1202
macrumors 604
Only the little gas stations seem to do the cash discount. They tried that at Wawa once, but it was a s***show. Lines were insane, and people were so inconsiderate. If you got gas and need to go get change, MOVE YOUR CAR FIRST! I just went other places until that garbage ended
FloatingBones
macrumors 68000
If you think someone said something, then find that message and quote it in your reply. Simple. Thanks!
Around here, the likes of Shell and Chevron have surcharges too, not just the small independent stations. The franchisees that own those stations likely made that decision but still.
bradl
macrumors 603
Same in the western US, and more than likely the midwest. At Arco out in the west (owned by BP), they charge an additional $.35 on top of the cost of gas because of their ATM surcharge. I believe mainline BP (formerly Amoco) in the midwest does the same.
I haven't been to those in a long time, especially as I tend to get my gas nowadays from Costco or Sam's Club; the former takes Apple Pay, and the latter I can use their app. If not there, I go to Safeway, as that grocery store chain has their own pumps, and they take Apple Pay as well.
BL.
Beefbowl
macrumors regular
Chip and PIN credit cards were/are a thing in Europe. It never took off in the US and I don’t remember seeing it in either Japan or China so I’m not sure if it really existed outside of the EU. It worked like using a US debit card. TECHNICALLY any store taking chip cards was supposed to also accept swipe cards but I had a couple of stores in London deny my US card.
Some googling suggests that one or two US card issuers will provide you a chip & PIN card but I suspect it would confuse most checkers if you tried to use one.
I have one of those and had a LOT of problems using it early on in the transition to EMV simply because a lot of smaller businesses didn't make their terminals accessible to customers. These days PIN is disabled on most of them and the card allows it to be bypassed now on the rest, so not as big of a concern now.
lartola
macrumors 68020
True. Everywhere else it’s all chip and pin. In the US they refuse to adopt chip and pin on credit cards.
Also, everywhere outside the US the tip is now added -with the customers’ consent, of course- BEFORE inserting or tapping the card. Handwriting the tip on the receipt for adjustment later is old school and isn’t done anymore because the wireless terminals brought to the tables -rarely if at all used in the US, but the norm elsewhere- offer the option to enter the tip before charging the card.
lartola
macrumors 68020
It did take off, but only for debit cards. American card issuers refuse to switch to chip and pin on credit cards. Also, before chip and pin is universally adopted in the US restaurants have to make the necessary arrangements: most of them still need to take the cards away from their owners to process payments and that doesn’t work well with chip and pin.
As for other regions. Mexico and Latin America switched from chip and signature to chip and pin in 2018.
lartola
macrumors 68020
I don’t know about the US, but in other countries such as Mexico the merchants lease the terminals from the bank, and the leasing contract usually forbids passing the fee on to the customers. Not the case with personal POS such as paypal’s izettle, where they can indeed pass on the fee.
bradl
macrumors 603
Most will go through banks here, but the banks can source the terminals from various companies; I worked for such a company. After the terminal was ordered (Ingenico, Verifone, etc.), my company provisioned the terminal for the merchant, and then send that out. I'm not sure on the leasing contract, as that was outside my scope; I only maintained the servers where merchants could order the terminals, and the databases that stored the data.
BL.
So, just for some different perspective on this, I inquired with my brother on this topic.
Brother uses an iPhone and has Apple Pay configured with debit cards from two different banks. I asked him about his Apple Pay preferences and views.
He said he never uses Apple Pay at retailers. He sees no real benefit to doing so, and the whole concept really does nothing for him. He prefers to insert his card and finds it easier than messing around with his phone whenever he wants to buy something.
Additionally, he claims that most of the time he doesn't even take his phone into the store, as he doesn't need his phone in the store, and just leaves it in his car.
Finally, he points out he doesn't carry a wallet. He has his ID and one card in his phone case (that has provisions for this), and removes the card when he goes into the store and returns it to the phone case when he returns to the car.
He also views people who use NFC as doing it because they think it's cool despite not really doing anything significant for them, and such people are somewhat snobbish.
He adds that in Mexico, using NFC is hard because it's not available in the places HE goes (some small island where his wife lives) and he has doubts about getting a good exchange rate if he did so.
And, for the record, he said he goes to Walmart only when he has to. He says the parking lot and store are too big and he can get more convenience and less stress by going to smaller stores, even if he has to pay a little more.
So...that's different 🙂
Brother uses an iPhone and has Apple Pay configured with debit cards from two different banks. I asked him about his Apple Pay preferences and views.
He said he never uses Apple Pay at retailers. He sees no real benefit to doing so, and the whole concept really does nothing for him. He prefers to insert his card and finds it easier than messing around with his phone whenever he wants to buy something.
Additionally, he claims that most of the time he doesn't even take his phone into the store, as he doesn't need his phone in the store, and just leaves it in his car.
Finally, he points out he doesn't carry a wallet. He has his ID and one card in his phone case (that has provisions for this), and removes the card when he goes into the store and returns it to the phone case when he returns to the car.
He also views people who use NFC as doing it because they think it's cool despite not really doing anything significant for them, and such people are somewhat snobbish.
He adds that in Mexico, using NFC is hard because it's not available in the places HE goes (some small island where his wife lives) and he has doubts about getting a good exchange rate if he did so.
And, for the record, he said he goes to Walmart only when he has to. He says the parking lot and store are too big and he can get more convenience and less stress by going to smaller stores, even if he has to pay a little more.
So...that's different 🙂
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Beefbowl
macrumors regular
I suspect we'll go from signature cards to...whatever comes next before we adopt chip & PIN.
Thanks for the extra perspective. Between work, hobbies and family most of my travel is US -> Asia or US -> Western Europe so I hadn't kept up on the rest of the world.
The-Real-Deal82
macrumors P6
If your brother finds it easier to insert a card and type a number in, then all the power to him. Double tapping a button on a phone or Apple Watch and paying in a fraction of a second is my preference. Whatever works. Nobody looks at you and thinks you’re trying to be cool because it’s the norm, that just sounds like some kind of inferiority complex to me but it takes all sorts lol.
This thread has certainly been an eye opener and highlighted how far America is behind the rest of the world in regards to banking. I wouldn’t mind betting bank accounts there carry a monthly fee too do they? Interesting to see what other countries do though.
Well, again, it's not "America", it's literally 10% of retailers who have chosen to do something different. All this complaining is about a tiny 10% of retailers. People will complain about anything.
I don't know why brother would have to enter any kind of number when using his credit card. I certainly have never done so.
As for bank account fees...the only accounts that carry fees for HAVING the accounts are account types geared toward customers banks really don't want anyway (ones that don't keep a certain balance, have bad credit or whatever). I don't pay any fees for my bank account, and have not ever, as far as I can remember. MOST banks offer some kind of "free checking" account service.
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Ah yes, the Apple Card - I don't think we'll ever see that due to the big credit card companies.