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Wells Fargo today announced that NFC functionality is now available at more than 5,000 of its ATMs across the United States.

wells-fargo-apple-pay.jpg

The technology enables customers to initiate an ATM transaction by holding their smartphone or wearable device with mobile payment functionality near an NFC-enabled ATM terminal and inputting their PIN.

Supported digital wallets include Apple Pay, Android Pay, Samsung Pay, and the bank's own Wells Fargo Wallet for Android.

Customers that have added their Wells Fargo debit card to Apple Pay, for example, can simply hold their iPhone near the ATM, enter their PIN, and complete a transaction, with no physical plastic card required.

contactless-symbol.jpg
Wells Fargo said it plans to upgrade the rest of the company's more than 13,000 ATMs with NFC by 2019. NFC-enabled terminals are marked with the universal contactless card symbol.

Earlier this year, Wells Fargo launched a separate one-time access code feature that lets customers authenticate at an ATM by entering an 8-digit code generated from the Wells Fargo app, along with their PIN, for card-free access.

Bank of America also began rolling out Apple Pay support for withdrawing cash from hundreds of its ATMs last year.

Article Link: Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs
 

daveak

macrumors 6502
Jun 28, 2009
295
329
Durham, UK
Why do you need to enter a PIN, Is TouchID not good enough?

This most likely has nothing to do with ApplePay and is generic contactless support, not knowing if it is ApplePay or just a normal bank card it will ask for a PIN.
[doublepost=1507638878][/doublepost]
It's the same for debit transactions at Point of Sale right now for Apple Pay as well. Touch ID authenticates the card, PIN still required for the transaction, just like it would be after chip insert / swipe.

Really? Any where other than the US that does that? Certainly doesn't happen in the UK, defeats part of the whole point of contactless.
 
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mlody

macrumors 65816
Nov 11, 2012
1,142
754
Windy City
Man I wish more places I shop at would take Apple Pay.


I am with you on that! I have been a fan of ApplePay since it came out, but the reality is pretty brutal. There is still a majority of stores that we go to that do not accept it and no idea when or if they will ever; Target, Costco are the two major one that we shop a lot. I am a big fan of Panera Bread, but their self check-out kiosks do not have Apple Pay. Corner Bakery and Chipotle also do not have it. And forget about mom and pop local stores :(

So far the only places where we were able to somewhat reliably use Apple Pay are:
Jewel-Osco (seldom shop there),
Walgreens,
Starbucks (does not take Discover card for some reasons via ApplePay, but Visa works)
Macy's (hit or miss, one day it works, another day does not)
Apple Store
Chick-Fill-A


I will keep trying to use ApplePay anywhere I see a reader that might work. Once place that surprised me one a local car dealer where we service our cars.
 
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eagleglen

macrumors 65816
Oct 2, 2009
1,127
309
Phoenix, AZ
Finally some news from Wells Fargo that doesn't make me regret not cancelling my account. The rollout seems kind of slow if it takes until 2019 to complete. Also, I'm not bothered that I'll have to re-enter my PIN. During purchase transactions some merchants require your PIN, which I find redundant and annoying, but where direct access to my account is concerned, it doesn't seem as burdensome, IMO.
 
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mlody

macrumors 65816
Nov 11, 2012
1,142
754
Windy City
Come on PNC you’re up next I hope

My wife's parents use (for some odd ball reasons) PNC bank. Since I help them a lot with banking, my jaw drops ever time I need to either use their website or mobile app. Their online services are a decade behind the competition (Chase, BOA, Discover), so I wouldn't count on NFC readers in their ATMs anytime soon.
 
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iapplelove

macrumors 603
Nov 22, 2011
5,166
7,236
East Coast USA
Why do you need to enter a PIN, Is TouchID not good enough?

Yeah that’s my biggest gripe with Apple Pay. Some pos sales still require a pin. If I run my debt card as credit and don’t need cash back the system should allow the purchase to be authorized without entering my pin.

No different than swiping.
 
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JohnApples

macrumors 68000
Mar 7, 2014
1,546
2,455
This is something that I really want to see implemented at my bank’s ATMs (Huntington).

Ever since my debit card got stuck in one which caused my transaction to be cancelled (yet the money disappeared from my account anyway), I’ve not trusted ATMs. This will make it at least a little better.
 
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Sasparilla

macrumors 68000
Jul 6, 2012
1,546
2,528
If Wells Fargo didn't have such bad corporate operations (towards their customers and employees) I might consider moving to them, but with all that has come out over the last couple of years, no thanks - even with ApplePay (which I constantly use).

I am with you on that! I have been a fan of ApplePay since it came out, but the reality is pretty brutal. ...
...
I will keep trying to use ApplePay anywhere I see a reader that might work. Once place that surprised me one a local car dealer where we service our cars.

Have noticed alot of smaller stores that have new terminals just have wireless built in...I first saw this at Subway, but have seen the same little silver terminal at little shops since and its wireless just works. Also did a gas station (Marathon) yesterday with wireless / Apple Pay - that was nice - had Meijer like that too (my Target replacement since it has ApplePay). Jewel for the grocery store, I've got most of my bases covered.

I think the wireless enablement will be a drip, drip process as smaller stores replace their terminals.
 
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kingtj

macrumors 68030
Oct 23, 2003
2,606
747
Brunswick, MD
Yeah.... the lack of places accepting Apple Pay, plus the unreliability of some that claim to accept it, is ... well..... unacceptable!

I've found that the only times I really use Apple Pay are via iOS apps that let me do so in the apps themselves (like the way the Starbucks app lets you reload the card via Apple Pay).

That's primarily because I grew tired of holding up lines at stores and looking like an idiot when I tried to wave my phone over some reader that refused to function properly and had to pull out a regular credit card anyway, after the clerk tried multiple things and wasted everyone's time. That happened to me while trying to pay for concessions at a rock concert we went to see at Jiffy Lube Live in VA last year, and at more than one Subway restaurant.

My wife is more of an Apple Pay user than I am, but she's said the only department store that she's had no problems using it at was Kohl's.

I did see where Safeway grocery stores are getting Apple Pay support this month. I used to shop there pretty often, but we rarely do anymore. Maybe we'll do so again....


I am with you on that! I have been a fan of ApplePay since it came out, but the reality is pretty brutal. There is still a majority of stores that we go to that do not accept it and no idea when or if they will ever; Target, Costco are the two major one that we shop a lot. I am a big fan of Panera Bread, but their self check-out kiosks do not have Apple Pay. Corner Bakery and Chipotle also do not have it. And forget about mom and pop local stores :(

So far the only places where we were able to somewhat reliably use Apple Pay are:
Jewel-Osco (seldom shop there),
Walgreens,
Starbucks (does not take Discover card for some reasons via ApplePay, but Visa works)
Macy's (hit or miss, one day it works, another day does not)
Apple Store
Chick-Fill-A


I will keep trying to use ApplePay anywhere I see a reader that might work. Once place that surprised me one a local car dealer where we service our cars.
 
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TheRealDGD

macrumors member
Oct 18, 2016
88
84
It's a fine thing that Apple Pay... but one day you will all regret not carrying and using cash and leaving your money to be handled by technology.
 
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NinjaHERO

macrumors 6502a
Aug 29, 2008
934
1,128
U S of A
The more places I can just use my phone the better. Feels like the adoption of this technology is taking forever. But glad it's still moving forward. I look forward to the day I only need my iphone and not my wallet.
 
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ArtOfWarfare

macrumors G3
Nov 26, 2007
9,097
5,039
Non-fast food restaurants really need to get onboard with Apple Pay. Running through my past month of expenses, I had to use my physical credit card at 10 different restaurants and 3 times at gas stations. In the same time period, I was able to use Apple Pay for groceries 3 times. So I'm up to around 19% of my in-person (as opposed to online) transactions being through Apple Pay.
 
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Chupa Chupa

macrumors G5
Jul 16, 2002
14,834
7,394
It's kinda old world meets new world. Seems like NFC is a "no brainer" for ATM machines but especially the non-bank ones found at gas stations and convenience stores with skimming still very much a thing.
 
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JeffyTheQuik

macrumors 68020
Aug 27, 2014
2,468
2,404
Charleston, SC and Everett, WA
The more places I can just use my phone the better. Feels like the adoption of this technology is taking forever. But glad it's still moving forward. I look forward to the day I only need my iphone and not my wallet.
I know what you mean, but there will come a tipping point some time in the next year or two, I think.
The "We don't take Apple Pay, but we do take Android Pay" is an irritant that I hope will soon go away. That's like saying, "We won't serve people that drive Chevrolet's through our drive through." Huh?

So, let me get this straight.... I pay $1000 for a phone, put my debit cards into it, and you won't take my money until I get another brand of phone that you like?

I've left merchandise on the counter because of that, not because I wanted to make a scene, but because I couldn't pay for it with my phone, and my cards were in the car, or at home.
 
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Chupa Chupa

macrumors G5
Jul 16, 2002
14,834
7,394
It's a fine thing that Apple Pay... but one day you will all regret not carrying and using cash and leaving your money to be handled by technology.

That day has long past and well before NFC became reality. I get the trade off and it is a big one, but lets be realistic, it's just neither practical to carry around rolls of bills nor fun to have change clanking around in your pocket.
 
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mrklaw

macrumors 68030
Jan 29, 2008
2,573
890
this is the one missing piece for me. Lots of stores take apple pay or contactless (and therefore apple pay). But sometimes I come across a street food place or somewhere that doesn't take cash and I'm stuck. If ATMs let me take out a little cash using apple pay that would be awesome and my cards could stay at home.
 
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nicho

macrumors 68040
Feb 15, 2008
3,737
2,599
Really? Any where other than the US that does that? Certainly doesn't happen in the UK, defeats part of the whole point of contactless.

That's because of the £30 limit on contactless transactions (we're talking only about business that haven't been set up properly for Apple Pay in both cases here).

In China, Apple Pay can be used anywhere that takes contactless, which is like 99% of card readers made in the last 3 or 4 years. The implementation is basically just making the "chip" part of the process contactless, and requires a PIN (unless you have a credit card and you set up a floor limit for it, or you top up a special "contactless" wallet in your debit card). Places can properly implement Apple Pay, of course, but the advantage is that they don't have to and it just magically works for any size of transaction (the disadvantage being, having to enter your pin).

Because of the way it works, almost every bank I've been to here in the last 6-12 months has enabled Apple Pay ATM withdrawals, which work the same way Wells Fargo is doing. The card handles the "getting you into your account" bit, but you need a pin to withdraw money.
 
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mariusignorello

macrumors 68000
Jun 9, 2013
1,882
2,675
Chase you’re next. Also we’re waiting for you to install those nice new NCR ATMs that you have in Santa Monica locations.
 

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Chupa Chupa

macrumors G5
Jul 16, 2002
14,834
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The "We don't take Apple Pay, but we do take Android Pay" is an irritant that I hope will soon go away.

Are there a lot of stores like that? I haven't noticed. I either see the Apple Pay logo + Android Pay or the generic NFC logo. I can't recall seeing only Android Pay. But agree it is nonsense to take one over the other except maybe at the MS or Samsung store (I have no idea what payments they actually take) or an Android-only type store.
 
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benji888

macrumors 68000
Sep 27, 2006
1,798
367
United States
1980s security: still have to enter your PIN :rolleyes:

It's the same for debit transactions at Point of Sale right now for Apple Pay as well. Touch ID authenticates the card, PIN still required for the transaction, just like it would be after chip insert / swipe.
You’re it doing wrong...no, seriously, you should be able to run it as credit card, most places where “enter pin” shows up in terminal, I just hit enter, (without entering any numbers), and it should run it as credit not debit. Unfortunately, some places, you do that, and you still have to sign it...the U.S. has old fashioned policies where the merchant’s financial institution may still require a signature :rolleyes:
 
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