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I regularly use it at AJ's Fine Food, Firehouse Subs, and Walgreens. I also use Apple Pay with the Starbucks app and then passbook bring up its bar code on the watch when I go there too. Almost always get some reaction from the cashiers.
 
how does apple pay make apple money?

do they charge the credit card companies?

they sure as **** aren't charging the consumer

Apple charges the bank/credit card company 1% per transaction ... The consumer doesn't see this, it doesn't directly affect you at all
 
I'm on vacation in Australia. Amazing that Apple Pay works EVERYWHERE. Really, once it's rolled out in countries where NFC payments are already accepted everywhere, it will really take off I think. I used my phone and my watch pretty much to buy everything on my trip. From convenienc stores to souvenirs shops to restaurants to vending machines. Everywhere. Most times the cashier was impressed with how easy and quick it was.
 
Even the bathroom vending machine accepted it.
 

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Apple charges the bank/credit card company 1% per transaction ... The consumer doesn't see this, it doesn't directly affect you at all

Actually, it's only 0.15%, not 1%. Also, this is not an additional fee. It's just the same fee as all credit card transactions. So it's no added burden to merchant or bank per transaction.

Another footnote on using it abroad. Many countries outside of US are already using 'chip and pin' cards. Some stores, esp those with higher potential fraud issues, like convenience stores will NOT accept simple magnetic stripe cards anymore. And some don't even accept 'chip and sign'. Only chip and pin. Which many U.S. Cards aren't capable of yet. (Even those with chips default to chip and sign, not pin) I learned this during my stay wheny wife tried to buy something with a card instead of her phone. BUT Apple Pay circumvents all of this. So using Apple Pay wasn't just more convenient in some cases, it made the transaction even possible.
 
Two local gas stations (different chains) accept it and I use it at one of them nearly every day and the other takes it right at the pump, though only about half their pumps seem to process it properly. A local taco chain (Taco Time) accepts it at the location where I visit. I've used it at Walgreen's. The Home Depot near me still accepts it (and all will in a few months.) The public transportation system here accepts it. A number of vending machines around town accept it. I've used it at Whole Foods but don't really like shopping there. The first place I used it on the watch specifically was the Disney Store of all places. I almost never go there. Just pure coincidence.

I've been to a few places that have tap to pay terminals that are just duds, including Dillard's.

Oh, and I've used it a few times at the Apple Store, including using my watch's Apple Pay to buy Apple Care+ for my watch... yeah. That was fun.

I liked Apple Pay before, because I am fond of secure and private transactions. But, it has always felt awkward and slow. With the watch, it's sooooo much better and far, far faster. Prepping with the double press (which I can do while the cashier finishes up their business) and then the actual payment process is nearly instant vs. holding up the phone, waiting for it to be triggered, hoping I don't accidentally press the home button which will cancel the transaction while waiting for it to read Touch ID... that's slow. I get the desirability of that security, but, for user experience reasons, the watch is vastly better. I have a fairly long PIN on the watch, though, I almost always unlock by unlocking the phone.
 
I've used Apple Pay on my iPhone 6 before (Toys R Us, Home Depot, Panera.) Over the weekend, I used it on my Apple Watch at a newly-opened Whole Foods. The cashier didn't even react (positive or negative) and the transaction went through without any issues. No signing, no re-scanning.

I didn't hear a beep (though my Watch is always on mute), nor did I feel a taptic notification to let me know the transaction went through. Maybe I wasn't paying attention. I'll have to try it again.
 
No transaction log on Watch though

I've always liked how using Apple Pay on the iPhone gives me a notification of the transaction and keeps a log of the last 10 transactions for each card in Passbook. I'm surprised that there's no such log when using Apple Pay on the Watch though; Apple could put it in the Apple Pay setup section of the Watch App.

Still, I usually prefer using Apple Pay on the Watch, depending on whether I already have my phone out in line. I use regularly it at Whole Foods, Peets Coffee, Subway, Panera, MacDonalds, and a local coffee shop.
 
For those who like to draw attention to themselves and hope to impress others Apple pay is the answer. They justify it as such a time saver.

I don't have to be recognized by what is in my pocket (iPhone) or on my wrist (choice of watch).

If I'm going to use a card instead of cash, it's fast and easy to remove it from its dedicated location in my wallet, swipe, and put it back. It's just not a big deal.

The truly exciting benefit of Apple pay is the big profits Apple makes from it. Downplaying that fact is something Apple does masterfully, they've got the Apple Disciples convinced it's for their benefit.

Apples an amazing marketing machine. No wonder they have all the money :)
Spoken like someone who doesn't have Apple Pay. You fail to realize that it's not just about "showing off". It's the security aspect. Every time you pull your wallet out and swipe, your credit card information can be stolen. Simple as that. With Apple Pay, it's almost impossible because the transaction is token based. Think of that next time you look at your credit card statement and see $10,000 in fraudulent charges because you think Apple Pay is stupid.
 
I used it at Academy Sports here in Houston today. I have used it at McDonald's, Walgreen, Macy's and somewhere else I can't remember.

You still have to sign for anything over $25.

I had to put enter PIN the other day when using a saved debit card.

I thought Apple Pay was eliminating the need for PIN inputs there by increasing card security.
 
Spoken like someone who doesn't have Apple Pay. You fail to realize that it's not just about "showing off". It's the security aspect. Every time you pull your wallet out and swipe, your credit card information can be stolen. Simple as that. With Apple Pay, it's almost impossible because the transaction is token based. Think of that next time you look at your credit card statement and see $10,000 in fraudulent charges because you think Apple Pay is stupid.

THIS. It's also way more convenient on the watch than pulling your wallet from your pocket.

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I used it at Academy Sports here in Houston today. I have used it at McDonald's, Walgreen, Macy's and somewhere else I can't remember.

You still have to sign for anything over $25.

I had to put enter PIN the other day when using a saved debit card.

I thought Apple Pay was eliminating the need for PIN inputs there by increasing card security.

From what I've read, whether or not you have to sign/pin depends on the vendor (I'm not sure if it's a vendor decision or something to do with the hardware that certain vendors have).

It seems in the US there's a certain attachment to signatures and pins that makes no real sense - in many cases, the only option you're given is to take a more secure option and make it LESS secure, such as sig/pin for NFC transactions or most US banks choosing chip+sig rather than chip+pin for card transactions.
 
Spoken like someone who doesn't have Apple Pay. You fail to realize that it's not just about "showing off". It's the security aspect. Every time you pull your wallet out and swipe, your credit card information can be stolen. Simple as that. With Apple Pay, it's almost impossible because the transaction is token based. Think of that next time you look at your credit card statement and see $10,000 in fraudulent charges because you think Apple Pay is stupid.

When you assume....well if you're mature you know what they say...
Swiping is secure when being mindful, just like practicing safe computing.
Apple Pay has no proven advantage yet..only time will tell.
Remember Apple Loves You for Believing everything they tell you too.
Stupid? You said it not I :)
 
For those who like to draw attention to themselves and hope to impress others Apple pay is the answer. They justify it as such a time saver.

I don't have to be recognized by what is in my pocket (iPhone) or on my wrist (choice of watch).

If I'm going to use a card instead of cash, it's fast and easy to remove it from its dedicated location in my wallet, swipe, and put it back. It's just not a big deal.
Is it safe to assume you're a man? I am guessing so, because any woman who has had to fish for her wallet (or IPhone) under packages of wet wipes, keys, receipts, tissues, makeup, hand sanitizer, packages of gum, plus whatever else the significant other and kids have seen fit to shove into her purse will laugh at that statement that it's fast and easy to wrangle cash or a card out of the wallet.

The wallet has to be found, first. Sometimes I do carry a slim wallet in my pocket. But women's jeans fit tighter than the usual guy jeans. It's not easy getting at that wallet no matter what. I haven't set up Apple Pay on my watch yet because not many places I shop a have the reader for it. But when they do, I will use my watch to pay and save myself a lot of bother.
 
When you assume....well if you're mature you know what they say...
Swiping is secure when being mindful, just like practicing safe computing.
Apple Pay has no proven advantage yet..only time will tell.
Remember Apple Loves You for Believing everything they tell you too.
Stupid? You said it not I :)

You, er, might want to educate yourself on payment security. Just sayin'.
 
Is it safe to assume you're a man? I am guessing so, because any woman who has had to fish for her wallet (or IPhone) under packages of wet wipes, keys, receipts, tissues, makeup, hand sanitizer, packages of gum, plus whatever else the significant other and kids have seen fit to shove into her purse will laugh at that statement that it's fast and easy to wrangle cash or a card out of the wallet.

The wallet has to be found, first. Sometimes I do carry a slim wallet in my pocket. But women's jeans fit tighter than the usual guy jeans. It's not easy getting at that wallet no matter what. I haven't set up Apple Pay on my watch yet because not many places I shop a have the reader for it. But when they do, I will use my watch to pay and save myself a lot of bother.

It seems in this example Apple Pay is a distinct advantage.

I often prefer cash. Yet when I do use a card, it's easy to quickly remove from the top slot of my well organized, not overstuffed wallet. Not bragging... Just providing a visual..ha..ha.. #
 
It seems in this example Apple Pay is a distinct advantage.

I often prefer cash. Yet when I do use a card, it's easy to quickly remove from the top slot of my well organized, not overstuffed wallet. Not bragging... Just providing a visual..ha..ha.. #

I also own a well-organized, not overstuffed wallet. It's the kind that doesn't even fold in half, no zipper, etc. - basically just a card holder. I often keep it in my pocket. Apple watch pay is still easier. It's pretty amazing, actually, how easy it is.
 
I tried Shop Rite today. No good. It said Done on the watch but nothing went threw on the terminal :-(.

I use Apple pay on my iPhone every week at Shop Rite. You may have hit a defective terminal. I had your experience at a McDonald's one time, turns out it was the terminal.

Funny story, at aforementioned Shop Rite every time I get this one cashier and use the stores app to display the loyalty card, she makes a comment about technology. I don't think she pays attention when I use Apple pay with my phone to pay, but once I get my watch, she'll freak I'm sure.
 
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