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Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs
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Really? I don’t have an issue with them. Their mobile app was pretty fast to include Touch ID back in the day and they also reimburse my ATM fees so I’ve been riding with them since high school 9 years ago.
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.
At least in the US, this is one area Samsung Pay has an advantage. Not sure why they are the only ones that are doing it. In addition to NFC, they also use MST that somehow magically creates a magnetic field around the card slot that makes it think you swiped the card. So it will usually work anywhere, not just where they've got newer terminals that support NFC. http://money.cnn.com/infographic/technology/mobile-payment-comparison/index.html
Having tried contactless payments with both Apple and Samsung's phones and watches, to me the biggest problem is not knowing exactly where to hold your device. It seems to vary by terminal, just like whether you need to hit the green button or red button for cash or credit (or the yellow button I ran into recently). You are supposed to hold over the symbol for NFC, but that isn't always true. For MST, you have to hold it over the card slot. It would probably work better if they had a place to just lay your phone like at the airport when scanning your boarding pass (even thought they aren't scanning anything). Need to make this human proof.
I am not a wells customer, so sadly I won’t be able to utilize this with them.
As an aside, thankfully Minnesota is really well connected with Apple Pay. Being able to use it for fuel, groceries, my coffee, liquor stores, and a few retail locations has been really nice.
As an aside, thankfully Minnesota is really well connected with Apple Pay. Being able to use it for fuel, groceries, my coffee, liquor stores, and a few retail locations has been really nice.
Exactly, I miss my Note sometimes because I could use that everywhere.
I can take out my phone (or watch), place it near a terminal, enter a PIN and indicate how much money I want *or* I can drive home and get my ATM card out of the drawer, then drive back to the bank and do the same process with a card.
The first option is definitely faster.
I go to an ATM about four times a year, because I don't need to get cash very often. Now, the option of taking the seldom-used card out of my wallet becomes even more realistic. If the terminals inside the bank would also accept NFC (since they use the ATM card and PIN for identification at the teller windows), it would be even easier to ditch the card.
All contactless transactions of any kind with Debit Cards still require the cards PIN be entered before the transaction will go through. It is no different than waving your card, inserting your card, or swiping your card. Credit Cards don't have this problem.
It is an important security measure when used with just the card itself, hopefully more secure forms of payment like Apple Pay can be exempt from this one day.
Interviews take more time and effort than a simple regurgitation of a press release with a couple added comments.
Unfortunately, no.
I don't see that happening any time soon; most restaurants seriously cheaped out thanks to the US adopting chip and signature and didn't get the wireless terminals that would be required. They didn't redo things so that people could pay at the front either, likely because that sort of setup is seen as "lower" class (aka like Denny's or IHOP).
Maybe in a decade they'll get those. Or they'll just join OpenTable or some other service and just allow it in-app.
Merchant support might be there, but a lot of people tried it when it first came out and quickly gave up on using it. There will need to be some serious incentives to get people to try again.
Yeah, no. It's 100% the merchants/POS vendors not bothering with anything but the absolute minimum. If Visa was really getting paid extra for that, they'd mandate it for every single transaction, not just the ones over $25-50.
I almost feel that it's intentional. A lot of places really would rather you paid with anything other than a card but can't really directly discourage it via charging extra, etc., so the next best way is to make the card experience total crap. The best part of that is that the customers will likely blame their banks and Visa/MC, especially since they can point to the chip as when it started going to hell.
Apart from the old exception the vast majority of places I shop at here in the UK take contactless, so my usage of cash has decreased massively.
Every month I email Kroger asking them to enable Apple Pay (they do one of the android ones). This month I told them that I might switch over to Safeway because of this, even though our Safeway stores are pretty old. This time I got a different response - they said they’d forward it to their IT department. Which is where it will get lost, but still.... they spent so much money around here updating their Fred Meyer stores, you’d think they’d like to hold on to that customer satisfaction bump they got.
I've been cash free for several years. That was a super easy transition - I started it before Apple Pay even existed. Credit cards and debit cards for nearly everything.
Only exception I can think of is I wrote a check for my house.
It's just an emulation of an actual card, and all debit cards require using a PIN (unless run through the credit network, but then the credit network makes extra money, so they're happy).
A biometric that is registered onboard the device cannot prove that the biometric belongs to the actual card holder.
Such proof would require actually registering the print in person at a bank or other authority, and then POS terminals sending the print info to that authority to be confirmed each time.
(That was the original Visa plan for fingerprints years ago, but I think they realized from their test that few would bother going to their bank to register, and the cost to upgrade terminals was too much.)
And, of course, even a "real" print could be a fake duplicate.
So it's a "good enough" solution for cases where enough money is made to pay for fraud, such as with credit card charges, but not debit. Plus debit card owners usually appreciate the fact that it's harder to withdraw money directly from their account.
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Well: Heres the short version: Wells Fargo sucks ass. The end. My grandfather was one of the folks that had one of the fake accounts opened in their name. It screwed his finances up for a bit. So, it wasn't harmless.
Wells Fargo is dishonest and un-ethical. They still have terrible practices.
Edit:
I got my hand slapped once about a year ago for quoting the thing with IOS 10 (from Eddy Cue?) about it being Courageous, or whatever. The reasoning was: "I was not on topic". Whatever....a new, overly enthusiastic moderator killed my post for being "not on topic".
So: Cheers to being hand slapped again by mods! Later Y'all.
Wells Fargo is dishonest and un-ethical. They still have terrible practices.
Edit:
I got my hand slapped once about a year ago for quoting the thing with IOS 10 (from Eddy Cue?) about it being Courageous, or whatever. The reasoning was: "I was not on topic". Whatever....a new, overly enthusiastic moderator killed my post for being "not on topic".
So: Cheers to being hand slapped again by mods! Later Y'all.
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One way to help might be to encourage all your friends, iOS or Android, to use contactless phone payments.
The more people using and expecting NFC, the more pressure on the merchants to support it.
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.
At first I was wondering why they were using what looks like a Galaxy S6 as a photo for this announcement, then I actually read the article (instead of the headline) and saw that these new ATM's support most NFC based pay systems, not just Apple Pay.
like I said, 1980s security: enter your PIN, stupid and unnecessary with touchID, the U.S. financial institutions need to update their policies.
That MST function does not sound so great, that will give the machine your account numbers, exactly as if you were to swipe your mag stripe card, that's all it does, it is not really secure, as that post falsely claims it is.
Perhaps you are referring to some Visa fingerprint plan, but, you really do not understand how ApplePay works, it's not just about biometrics. With the way ApplePay works, a PIN is totally unnecessary. That being said, I think the way Wells Fargo is implementing this is making it just like swiping your ATM card, which is not how ApplePay was designed. https://www.engadget.com/2014/10/02/apple-pay-an-in-depth-look-at-whats-behind-the-secure-payment/
It's only faster in your case, since you forgot your card at home and had to go back for it. I carry mine everywhere.
I suppose once my driver's license and all my other cards are accessible on my phone, then ditching the wallet entirely would be a big convenience. However, until that happens and since I'm carrying my wallet anyway -- it's not a problem to carry my card.
Wells Fargo today announced that NFC functionality is now available at more than 5,000 of its ATMs across the United States.
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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.
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This is HUGE news! Been waiting for something like this! Time sensitive ApplePay + PIN entry BOOM.
I just hope Canadian banks get on board wtih this REALLY fast very soon!
No. All you need to add a card to Apple Pay is your card details, the fingerprint has nothing to do with your bank account and there's no guarantee that it's just yours. Someone could just take your card for two minutes, steal the details and then have the ability to withdraw cash using your card.
A PIN code reduces the chances of someone using your card details to withdraw cash, which is less traceable than making a purchase.