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Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs
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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.
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
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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.
Definitely this. I have yelled at a few cashiers before over this. Free gift cards are also awesome as a result.
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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.
Yes, we've already established that device-registered biometrics do not verify cardholder identity. They simply act as a shortcut method of entering the device passcode.
So why would a PIN be "unnecessary"? After all, NOT requiring a PIN is a departure from the primary cardholder authentication method for chip & PIN cards.
I think you might be confusing transaction security with cardholder authentication. The latter is why even US banks still want a PIN involved. Considering how much damage a debit card can do, one would think users would want the same thing.
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Meanwhile, the arcade place I went to yesterday had some generic “NFC” next to their register and when I tried to pay with my watch the guy behind the counter says “Oh we don’t use THAT”. I asked “Then what’s that for” and he said it was for whatever wrist bands they give out. Ok cool, gave him my card and he swiped. Before I left he said “Oh and by the way we will NEVER accept those kinds of payments. They tell us it’s a security risk and that we will never use THAT.”
I wanted to school him SO hard that me handing my card to be swiped is much less secure for my card than using contactless. Also, my card number is never in their system to be hacked.
Wait 2-3 years and let’s see if you’re using contactless payments. In fact, they could use it to hold their “chips and tickets” for the arcade games instead of wasting money on cards.
I wanted to school him SO hard that me handing my card to be swiped is much less secure for my card than using contactless. Also, my card number is never in their system to be hacked.
Wait 2-3 years and let’s see if you’re using contactless payments. In fact, they could use it to hold their “chips and tickets” for the arcade games instead of wasting money on cards.
True, most do now.
But back when Apple Pay started, banks were not really prepared for the on-device registration Apple set up (Apple only told them about it rather last minute), so they didn't have the support staff or procedures in place.
If you recall, that led to millions of dollars being lost to fraudulent Apple Pay registrations. And THAT woke up the banks.
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.
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.
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.
It’s a very slow burn. Though one thing we can do as customers to help accelerate adoption is to reward stores that do accept Apple Pay with our business, and to a lesser extent, voice our demand to stores that don’t.
Interesting thing about the argument over requiring a PIN after initializing Touch ID is that each device can store 5 separate fingerprints which could translate into 5 different users authorized via fingerprints on one device.
Virtually the same thing as giving someone your ATM card and PIN code.
Virtually the same thing as giving someone your ATM card and PIN code.
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.
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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.
My main branch ATM and one more near Aventura Mall allow deposits via ATM.
BOA is adding more deposit able machines as time goes by.
I love using mobile deposit for checks even though I only see paper payments like once every 6 months.
I end up stuffing the checks into a box just for reference.
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.
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.
I went to Disneyland and they take Apple Pay all over (finally) but for some reason I was cursed and one out of three times the CC terminal was down or had to be rebooted (a two minute process which is forever when trying to pay) and I was able to pay cash (which I otherwise avoided.) But when Apple Pay worked, they loved me for it (seriously employees thanked me) because it was super fast.
Bank of America has had many Apple Pay enabled ATMs and I LOVE LOVE LOVE it. I was able to get cash when I forgot my wallet one day. Also I just love walking up to the ATM in the mall, hitting it with my watch, and pulling cash out. It's like magic.
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 wish Apple Pay would be introduced at all over here in Germany.
That’s what I’m wondering. I don’t understand how they can take android pay but not Apple Pay.
Honestly, half the time, the cashier is uninformed, so I try anyway.
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.
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.
"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.)
