You kidding? Mom and pop stores support it the most. They just don’t know how to use the terminal sometimes and you have to instruct them.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.
We have chip cards in the US. So I don’t know what you’re talking about. Virtually every store we go to here requires you to dip the card in the chip slot (or in this case now, tap your phone)I'm surprised how much the US is seemingly behind the times when it comes to card transactions. Here in the UK we binned off swipe and sign years ago replacing it with PIN entry. Then I'm sure we've been near the forefront of contactless transactions in the past few years with almost all big store chains accepting Apple Pay and some even accepting 'limitless' transactions https://9to5mac.com/2017/05/22/apple-pay-uk-transaction-limit/
Some WF branches accept tap inside the bank! I’ve used that before!!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.
Plenty of gas stations in my area have Apple Pay. Mobil Chevron Texaco, and Circle K unbrandedIt would be nice if someone at MR interviewed representatives of the oil oligopoly and asked them what their plans are for rolling out Apple Pay to the gas pumps.
When you enroll a card in Apple Pay, the banks can (and do) perform additional verification. It can be something you don't even notice (e.g. they can check whether the phone number of the device is known to the bank, or your current location is your known billing address), or require additional steps such as logging into a bank app.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.
Definitely this. I have yelled at a few cashiers before over this. Free gift cards are also awesome as a result.I had a funny thing happen to me way back when Apple Pay first hit Canada. There was a little note stuck to the terminal at a bakery I visit that said “No Apple Pay”. I had previously used my card by tapping so this was odd.
When I paid I put my iPhone on the terminal the owner (older guy) starts frantically waving his hand and saying he doesn’t accept it. Few seconds later the “Approved” message comes up on the terminal. He has this odd look on his face and I leave with my stuff. Week later I stop by again and the note saying “no Apple Pay” was gone.
I think merchant education was a big issue as lots of retailers were caught off guard by people suddenly tapping their phones.
At Walmart the screen came up saying “PIN Counter Expired, Card must be inserted”...then again, I think it was because contactless is not supposed to work at Walmart, and they came out with that BS WALMART Pay crap.Apart from the times when you need your physical card when they do the random PIN check in terms of contactless/digital wallet payments.
Having said that I’ve noticed lately (especially the last six months) when using Apple Pay I’ve had less instances of having to insert my card to “prove” I’m the card-holder.
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/
When you enroll a card in Apple Pay, the banks can (and do) perform additional verification. It can be something you don't even notice (e.g. they can check whether the phone number of the device is known to the bank, or your current location is your known billing address), or require additional steps such as logging into a bank app.
We still think front-loader washing machines are kind of cool and novel.
Plenty of gas stations in my area have Apple Pay. Mobil Chevron Texaco, and Circle K unbranded
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.
I’ve been using my iPhone at Bank of America ATMs here in South Florida for the better part of the year. It works seamlessly and now eliminates the chance of forgetting your atm card or the card getting stuck/not working in the machines.
No negatives so far.
Debit cards require a PIN be entered after being swiped (at least in the U.S.), so it wouldn't be any different for 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.
I seem to recall a story that went around, early on, about the uninformed clerks at some store (Best Buy, perhaps?) calling security on a customer who used Apple Pay, because the customer hadn't run a card through the terminal, so they thought the customer must be committing some sort of fraud.I think merchant education was a big issue as lots of retailers were caught off guard by people suddenly tapping their phones.
There's water inside which is violating the law of gravity by not pouring out the side of the washer - clearly the devil's work! I'll stick with my rocks, down by the river.We still think front-loader washing machines are kind of cool and novel.
My main branch ATM and one more near Aventura Mall allow deposits via ATM.Card is still required for deposits though, sadly.
I suppose I could use the mobile app to scan checks (cash deposit would still require ATM), but I get annoyed having to remember to destroy the check after a week. I’d rather just deposit it at a machine and not have to think about it again.
Pin is OK because it's a Debit Card transaction and usually pretty quick and easy. What kills me is when I have to sign a screen after doing Apple Pay (Credit card transaction.) It doesn't defeat contactless because not having to use the goddam chip reader is reason enough, but I really hate when I pay, then like 10 seconds later after a delay when you think you're done the terminal pops up a line where I have to use that dirty pen to sign a freakin' screen for no good reason. I'm already authenticated, I shouldn't need to sign.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.
Yes. Mostly New Gilbarco or Wayne pumps.They are actually more efficient.
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Do they have it at the pump? I have yet to see this.
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Not just this but I had to sign for a transaction after using Apple Pay at a Wegman's grocery store. Completely defeats the purpose.
As a policy, I try to never leave the house with less than $40 and two cards on me. Whether I think I need it or not I try to never go wallet free because Murphy's Law seems to dictate that this will be the day when something didn't work with Apple Pay. But I'm pretty sure I'm stating the obvious.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.
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?.
Man I wish more places I shop at would take Apple Pay.
That’s what I’m wondering. I don’t understand how they can take android pay but not Apple Pay.I'm not sure if any stores actually do that. It might be that the rep is misinformed.
If a store takes Android Pay, from a technical standpoint, it can take Apple Pay.
I'm wondering if the employees are confusing Android Pay with Samsung Pay (which is different).
I’ve had plenty of stores say Samsung only just because the employee didn’t know how to press Sale first to activate the regular NFC on a Verifone Vx520 Ughh!!!I'm not sure if any stores actually do that. It might be that the rep is misinformed.
If a store takes Android Pay, from a technical standpoint, it can take Apple Pay.
I'm wondering if the employees are confusing Android Pay with Samsung Pay (which is different).
I've had store employees vehemently claim Apple Pay wasn't accepted. I asked them to pay by credit card (so they pressed whatever button to activate the CC terminal) and then tried Apple Pay anyway, it works, and they were left dumbfounded. I've had that happen twice.I’ve had plenty of stores say Samsung only just because the employee didn’t know how to press Sale first to activate the regular NFC on a Verifone Vx520 Ughh!!!
Much to their surprise it works anyway and they stand there looking dumbfounded.
This usually happens to me at mom and pop stores. The good news is that you train them once you trained them forever. Now I stroll in and they prepare the terminal for me :-DI've had store employees vehemently claim Apple Pay wasn't accepted. I asked them to pay by credit card (so they pressed whatever button to activate the CC terminal) and then tried Apple Pay anyway, it works, and they were left dumbfounded. I've had that happen twice.
"Just process it like a credit card" I tell them. It's just a credit or debit card, nothing special as long as the terminal has the NFC reader (well usually. There are exceptions where they block all NFC payments.)
You kidding? Mom and pop stores support it the most. They just don’t know how to use the terminal sometimes and you have to instruct them.
Chipotle sucks ass anyway, and refuse to even do chip cards in full chip countries like Canada.
Costco is coming soon as their new gas pumps have contactless readers- but disabled for now.
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We have chip cards in the US. So I don’t know what you’re talking about. Virtually every store we go to here requires you to dip the card in the chip slot (or in this case now, tap your phone)
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Some WF branches accept tap inside the bank! I’ve used that before!!
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Plenty of gas stations in my area have Apple Pay. Mobil Chevron Texaco, and Circle K unbranded