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Wells Fargo Adds Apple Pay Support to More Than 5,000 ATMs
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That's actually incorrect. MST passes a one time use token, not your credit card number. The bank knows the one time use token is associated with your credit card. Its just as secure as NFC, just accepted at way more places in the US.... like pretty much every place that takes a credit card. http://www.pocket-lint.com/news/132...y-how-does-it-work-and-which-banks-support-it
In this case, I didn't forget my card. I remembered to take it out of my wallet, because I wouldn't need it to get cash from an ATM. My iPhone is now my ATM card, and my wallet is that much thinner.
Yeah, it's just one card in my wallet, but cumulatively it's a lot more that that. I used to have a wallet that was much thicker. There were receipts that I was holding until I got a chance to scan them for an expense report, multiple credit cards and loyalty cards, a couple of ATM cards, an insurance card, and a driver's license. Now the wallet is much thinner. Each of the items that the iPhone allows me to remove from my wallet can be shrugged off. It's just one little thing. It's not important. It's no problem to carry half an inch of cards in my wallet that the iPhone could make unnecessary.
But now it's no problem to not carry many of those cards in my wallet. So I won't. And I won't drive home to get my ATM card, because I don't need the ATM card.
I am not saying that the bank is bador that I had issues with them. I am not sure how well they treat their customers or what perks they offer, but all I know is that their iOS app and internet banking site lack big time. For someone who was always with them might seem like none issue, but once you use other banks/CC it shows how rudimentary and unintuitive PNC website and apps are.
Most gas stations in SV do not have AP. Ironically SV is often slow to adopt new tech. The cost of living and doing business is so high that there isn’t a lot of room in budgets for upgrades .
I didn't know that. I also assumed the loopay card "swipe" was the same as the magnetic stripe swipe. That's a HUGE win for Samsung Pay over Apple Pay and makes me want an S8 really bad now.
Hell, my credit union still needs to add Apple Pay at all!
They’re working on it, they’ve been telling me for years now.
That’s the price I pay for great customer service and staying with a local financial institution.
They’re working on it, they’ve been telling me for years now.
That’s the price I pay for great customer service and staying with a local financial institution.
This is from a practical point. I've used Apple Pay since the beginning, and there have been cases where I've seen the Android Pay logo, see people use their Android Pay in line before me, and when it came to my purchase, it didn't go through. the terminal simply didn't register the purchase, and my Watch just had the card on the face, looking at me.
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Apple Pay saved my vacation in Canada. OK, that's a little extreme, but our cards didn't work there... No Cip, No PIN, and the merchants wouldn't take our cards. I remembered that I had Apple Pay, and went ahead and tried it at London Drug, and it worked!
I think you're right... I've used it at a lot of places and they marvel that it works, even now, three years later.
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Will do. The place I was at was in Washington State, and I'm in South Carolina now.
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Like I put above... I'll name names when I encounter them. Yeah, I get those places, but if I ran the Samsung Store or the Microsoft Store, I'd be all in on taking Apple Owner's money buying my products as a competitor. It'd most likely be a one time use of Apple Pay there, as henceforth, they'd be using Android Pay after that.
EDIT: I remember... it was Safeway in Lynnwood, WA, at 148th and WA99 that didn't take Apple Pay, but did take Android Pay. This is a recollection from about 6 months ago. I think Lowe's down in Mt. Peasant, SC is also one of those too. I'll double check this weekend.
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There's a Sunoco station near me (Philadelphia suburbs), that I was surprised to find now has a contactless reader on the pump. So I use Apple Pay there now. I still have to enter my zip code on the pump, but I like not having to use my physical card (for security reasons).
I'm guessing they don't have Virtual Wallet accounts. The regular accounts have a pretty normal/basic app and experience. The Virtual Wallet stuff is really cool though, and their previous apps were slightly lacking, but they just did a major update on them. If you aren't familiar with the Virtual Wallet take a look at it, if you fully adopt it it can totally change the way you bank.
I used to have accounts with NetBank, ING Direct (now Capital One 360), and still do with Chase and Capital One. We collapsed all but our Capital One credit card down into one Virtual Wallet account for our shared family banking, and one for my personal account(s). Now when we get paid the account automatically moves money between the checking and savings accounts based on rules we've created. And we can create buckets in the savings account to allocate the funds for different projects or large purchases. A single click then moves those funds into the checking account to spend instantly.
Honestly though, all those other banks experiences for the most part look newer, but the actual functionality isn't all that different to what the regular PNC accounts have. The differences from what I've seen is pretty much visual/design.
I actually am thinking of getting an S8 for the same reason: the MST payment mode.
People also talk about how much fun it is to "tap and pay" on terminals that only take swipe cards, and not NFC. The look on other people's faces is apparently priceless, especially those with NFC-only phones wondering why theirs won't work
Because they bought looppay and all the associated patents, thus they are the only one that can use it. I suppose they could license it out, but why would they give up an exclusive selling point?
Disneyland recently got all new readers resort wide. They are really nice and also low, meaning people in wheelchairs can access them.
I actually am thinking of getting an S8 for the same reason: the MST payment mode.
People also talk about how much fun it is to "tap and pay" on terminals that only take swipe cards, and not NFC. The look on other people's faces is apparently priceless, especially those with NFC-only phones wondering why theirs won't work
I've had many people tell me "oh that won't work here, we are behind the times" only to have a reciept spit out as they are saying it. And yes, the look on their faces is priceless. It is a great technology, the only problem being places where there is no customer facing reader. It's one thing handing a card over to a clerk to swipe. Quite another handing over your phone! Not a fan of that. Cashier terminals with card readers built in on the side were a dumb idea to begin with. They need to go away.
Anyone can use your card, that’s why they require a PIN, if someone steals your card, they can’t use it without that PIN.
ONLY YOU can use Apple Pay, if you’d read that article I linked you would understand this, Touch ID is the authentication. So the “card” is “in the phone”, if someone steals your iPhone, they can’t use Apple Pay.
TouchId simply verifies that someone who knows the phone's passcode has registered a finger. That's why Apple Pay works with a passcode as well.
If they have shoulder surfed and seen your passcode, they can get in.
If they have a good copy of your registered print, they can get in. Ditto for any biometric. There's usually a way to fool them.
Yes, it's unlikely to happen, which is why TouchId is considered good enough for most cases. But it's not a totally secure system.
I think with a debit card, considering how devastating its fraud can be to someone, banks are protecting both themselves and their users by requiring a PIN. I agree with you that it's inconvenient, but it's more secure as well.
Heck, people talk about how they like Apple Pay for its security, so they should love even more security!
Fred Meyer is one of the stores that will take Android Pay but not Apple Pay. Drives me nuts. Just because the physical reader is turned on doesnt mean the processing software is always set up for all methods.
They're owned by Kroger, which does not have NFC turned on at all for the most part. You (or the employees) may be confusing Android Pay with Samsung Pay, which can work without it.
I did not know that. However, realize, if a machine accepts chip and pin cards but not NFC, you’ll still have to get the card out and put it in the slot, you won’t be able to use the MST function.
MST for credit and debit cards is a transitional tech, it only works at terminals that don’t accept chip cards, so as terminals are updated, it won’t function, they’ll have to have Samsung Pay (NFC) acceptance, or get out your chip card. The only cards you can leave at home would be any non-chip cards you might still have.
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Apple Pay does not work with a passcode, only with TouchID (/Face ID iPhone X).
Samsung/Android pay may be different, IDK.
And most people don’t need to worry about someone having their fingerprint and being able to use it, it’s not that easy, fear tactic. Besides, if the iPhone is stolen it is easy to get on a computer or other Apple device and wipe the stolen iPhone via Find iPhone app or at iCloud dot com.
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Actually, cashiers have the option to run chip cards as regular swipe cards. I have actually used my chip card that way when the card wasn't working in the chip reader for some reason just a couple of weeks ago. There is more flexibility in the system then some would lead you to believe. Thus it is still possible to use Samsung Pay as well.
Yeah, I'll be among the first to throw a fit and rail against it, the day they decide cash is officially "obsolete" and they eliminate it. But let's face it.... These electronic payment systems are really more of attempts to improve and secure long-standing payment concepts like writing personal checks. (Hey, what a great idea! Let me give you this slip of paper that has all my personal info right on it, including my phone number, along with my checking account number and the routing number required to pull money right out of it. You have to just believe me when I tell you the money's really in there, and I have to trust that you won't do anything improper with all that info on the piece of paper I even signed for you, giving you a copy of my signature!)
Just to clarify, Samsung Pay only uses MST if it didn't find NFC. So it can work on the chip terminals too if NFC is turned on. It's not just using MST only.
Aha, bet you’re right. Didn’t know that Samsung Pay didn’t use NFC. I’m not an android person, so I haven’t really kept track of who does what to whom. Thanks for the clarification.
But, if you hand them your card, and they swipe it or manually enter the numbers, you’re no longer using Samsung Pay.
Also, handing a cashier your card to use only the mag stripe is not secure, no tokenization will be used, your card number is now in their system, so you have to cross your fingers their database doesn’t get hacked, also you make yourself vulnerable to getting your card skimmed. If you have a chip card and can’t use NFC (nor MST), then you’re back on the old system.
Our credit/debit card system went out of date a decade ago, where Europe already had long established chip card use.
**Gas stations: from what I’ve read, nearest deadline is late 2020 for implementation of chip/NFC...ridiculous, I think I got skimmed at a gas station last year.