Can you please look up your receipts and post if you were DCC'ed she using Apple Pay Overseas? DCC is dynamic currency conversion, where by local merchants convert currency to card currency without your explicit permission and sometimes skimming a few percentage points. It has become a menace for Visa and Mastercard users, but Amex does not allow this. If Apple Pay is able to block DCC, this would be hugely popular. In China Union pay has cut out Visa and Mastercard and Apple Pay in China has the potential to substantially increase the number f places where foreigners could use their credit cards. Most McDonald's restaurants in China (other than at big tourist hotspots) do not accept non Union Pay cards. Some do accept Discover, but not all.
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Where you use watch and Apple Pay
- Thread starter ttexxan
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I normally don't eat at McDonalds, but reading your post just made me hungry. I'm going to go there tomorrow for lunch and order a Big Mac...and use Apple Pay. I haven't had a Big Mac in 20 years.
Just used my watch at McDonald's and the cashier said "I don't know what you just did, but that's cool!" haha I replied, "It's just my watch."
That's it. I am leaving CVS for Walgreen's just to use Apple Pay. And I'm going to start eating at Subway!
whatos is either your basic Apple hating troll who frequents forums like this for his own perverted pleasure, or a total luddite who understands nothing.
To me Apple Pay is not that much more convenient than using a cc but it is much more secure. The only thing more secure than Apple Pay these days is cash.
A bonus is that the merchants do not have your info that they sell to increase their profit.
Since whatos brought up the subject of Apples supposedly profits from Apple Pay I'll add this. The very small amount that Apple Pay gets from each transaction does not come from your pocket, it comes from the cc companies. When they looked at Apple Pay they concluded that it was so secure that it would lower their insurance costs, and to encourage its use they decided to roll over a percentage of what they are saving on cc fraud to Apple. Therefore what you pay for something has not gone up at all for using Apple Pay. When Target or TJ Max were hacked the cc companies had to pay out millions to straighten out the messes, but if such a thing happens in the future, and it most likely will, they will not have to pay anything out to anyone who used Apple Pay in the targeted stores because they lost nothing.
To me Apple Pay is not that much more convenient than using a cc but it is much more secure. The only thing more secure than Apple Pay these days is cash.
A bonus is that the merchants do not have your info that they sell to increase their profit.
Since whatos brought up the subject of Apples supposedly profits from Apple Pay I'll add this. The very small amount that Apple Pay gets from each transaction does not come from your pocket, it comes from the cc companies. When they looked at Apple Pay they concluded that it was so secure that it would lower their insurance costs, and to encourage its use they decided to roll over a percentage of what they are saving on cc fraud to Apple. Therefore what you pay for something has not gone up at all for using Apple Pay. When Target or TJ Max were hacked the cc companies had to pay out millions to straighten out the messes, but if such a thing happens in the future, and it most likely will, they will not have to pay anything out to anyone who used Apple Pay in the targeted stores because they lost nothing.
http://www.news-press.com/story/money/2014/10/30/sunshine-ace-offers-customers-apple-pay-option/18147383/
Looks like certain Ace stores are installing special terminals for Apple Pay (second picture) because the official Ace one doesn't support it. I love how fast this is really growing, it proves how Apple can make anything popular.
Looks like certain Ace stores are installing special terminals for Apple Pay (second picture) because the official Ace one doesn't support it. I love how fast this is really growing, it proves how Apple can make anything popular.
I used Apple Pay via the Watch for the first time a couple of days ago at Walgreens. Quick and easy. The cashier did not really care nor was she surprised. There must be a bunch of Watches running around that area haha
Everywhere i possibly can. In addition when possible I am choosing to buy from merchants who have it whom i haven't used for years.
Found out that McDonalds breakfasts are actually good. And that oatmeal even fits into the fitness plan this watch is pushing me into.
Found out that McDonalds breakfasts are actually good. And that oatmeal even fits into the fitness plan this watch is pushing me into.
Ohh, yes, thanks for the reminder. I don't go to the theater that often so I keep forgetting I can use it there.
Ok today I tried that same shop rite. It worked . I had to enter my pin though. Then tried Babies R Us. Didn't work. But it could have been me not holding it there long enough. Next was Home Depot. Did not work. Could have been me not holding it long enough again but I know they are known to have de supported it. Lastly, I went to whole foods. Worked like a charm there. Hit green for credit instead of my pin and everything worked flawlessly. Love this thing . Wish Apple Pay was everywhere.
. I had to enter my pin though. Then tried Babies R Us. Didn't work. But it could have been me not holding it there long enough. Next was Home Depot. Did not work. Could have been me not holding it long enough again but I know they are known to have de supported it. Lastly, I went to whole foods. Worked like a charm there. Hit green for credit instead of my pin and everything worked flawlessly. Love this thing . Wish Apple Pay was everywhere.I use it all over the place. Today was cool. I was at the mall (actually going into an Apple Store), and I noticed the vending machines accept NFC on the way out. So I waived my Apple Watch, got a water, and went on my way. Way easier than pulling out my wallet, flattening a couple of dollar bills, and having them rejected by the machine 5 times each before finally getting my bottled water.
If your watch is stolen and you want to remove your cards from ApplePay, you can do it on iCloud. No need to cancel the cards. See here:
https://support.apple.com/en-us/HT201469
It will delete from both the iPhone and Apple Watch, but you can add them back to the iPhone (I would assume, never actually done it).
https://support.apple.com/en-us/HT201469
It will delete from both the iPhone and Apple Watch, but you can add them back to the iPhone (I would assume, never actually done it
).
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
Horribly untrue.
Millions of cards were compromised December of 2013 when Target had their card readers hacked. Mine was one of those cards. My bank limited my cards to $300 a day (1/10th what it normally is) which sucks monkey butt when you're shopping for Christmas and four birthdays at the same time. Also, they ended up canceling my card and issuing a new one. This is another major inconvenience.
Be mindful all you want, but when the readers are hacked, there's nothing you can do ... except use a single-transaction token based system like Apple Pay. Had Apple Pay been in existence back then, and had Target had it, you can bet your bootie I would've used it, and I would've been immune to such hackery.
Five or six months later, the same thing happened to Home Depot. Also major grocery chains on the east coast. It doesn't take much digging around to find news items of card readers being hacked or otherwise modified to steal information ... something that's impossible through the use of Apple Pay.
I use Apple Pay everywhere I possibly can to reduce the risk of my card information getting stolen again.
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You don't need to let them know. Just use it instead of swiping a card.
The comments above reveal the fact you only have a sliver of knowledge about security. The knowledge you lack causes you to buy into Apples story line. They count on buyers ignorance.
The claims Apple makes are cleverly crafted to give buyers the warm fuzzy impression that they have nothing to be concerned about. No other company I know of has their customers as mesmerized as Apple does. It's Apples secret to success.
For those who care, here's but one of many well written articles that will raise most people's level of awareness as to the depth and breadth of today's security risks.
Point-of-Sale System Breaches Threats to the Retail and Hospitality Industries
http://www.trendmicro.com/cloud-con...gence/white-papers/wp-pos-system-breaches.pdf
You forget only about 5 percent of businesses have end to end encryption, and only 20 percent are PCI compliant. While I see what you're saying, the proof doesn't account for most retailers that don't want to spend the money to get true end to end encryption. You also leave out the problem of overseas processing, many large businesses do all of those processing in places like India where the fraud really happens. Not to mention the U.S. is the worst in terms or money lost in credit card breaches. EMV is the reason, and Apple Pay utilizes this in some cases. (Will be more by October). Some businesses for example are only adding NFC addons instead of upgrading to contact EMV terminals because it where everything is headed. Plus it's one less thing (a wallet) to carry around or have stolen. It's a lot easier to use a stolen credit card than a stolen phone for Apple Pay. (I advise you do some more digging into how the retailers are truly handling payments, that article really doesn't account for a lot of it)
Trend Micro's number one suggestion on what consumers should do to protect themselves is 'check your bank/credit card statements'. By that time, the damage has been done. Yes, it's often possible to reverse some of the damage, but it's a pain in the ass to be checking your statements daily, it's a pain in the ass to get in touch with the bank and make the necessary changes (often, a new card is required as was the case with me, which is a major inconvenience).
As a consumer, we don't have control of what sort of security measures the vendors we visit have incorporated. Chip-and-Pin/EMV cards are not widely used in the US (if at all).
Considering I already have Apple Products, and have the ability, right now, today, to use a significantly more secure approach than 'check your account to see if you've been screwed', I'll continue to do that.
No one is saying you need to. But what I'm saying, is that using Apple Pay has exactly zero to do with impressing anybody. For me, it has everything to do with making a purchase with peace of mind.
Good one! I especially like the part at the end of the included video where they say "Obviously, this exploit isn't very realistic..." Since you've graced us with such wonderful sage advice about the dangers of contactless payments, let me return the favor by providing you some additional advice that you should follow as well in the attached image.
Attachments
The Whole key to Apple Pay is SECURITY, swifting cards in this day in age totally risky, it's only a matter time for ones card is hacked, happen to me three times in the past two years. I use Apple Pay when ever possible and when given a choice will only shop where it's available.
All my cards are chip & PIN/Sig. By October, I expect to be able to use my chip at 80% of businesses.
Hahaha.
The duck pic is a perfect metaphor.This is all part of the predictable 'scramble to find something we can use to attack Apple with' cycle. Sort of like the Touch ID 'vulnerability' people came up with a couple of years ago. Completely unrealistic and something none of us need to worry about.
This 'flaw' mentioned above is never going to impact anyone, and yet it will be trumpeted by anti-Apple barkers as a reason why Apple Pay on your Apple Watch isn't secure.
If someone can manage to remove your watch from your wrist, by first starting with their fingers between your wrist and your watch, without you knowing ... they are more than a world class thief; they're supernatural.
I submit it's probably an order of magnitude, at least, easier to lift someone's wallet (filled with their credit cards and ID) than it is to pull off the stunt demonstrated here.
Gives all new meaning to this one doesn't it?Hahaha.
Agree 100%. But I'm also certain that whatos is completely aware of how absurd he sounds.
