There seems to be some confusion about value on this subject. Some value only money. If that was all that mattered, you would be entirely correct. Some also value their time, in which case breaches can cost many times cash in lost value. Some also value their privacy, which can be priceless.
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Why have so many become NFC/Apple Pay snobs?
- Thread starter ChrisTX
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There seems to be some confusion about value on this subject. Some value only money. If that was all that mattered, you would be entirely correct. Some also value their time, in which case breaches can cost many times cash in lost value. Some also value their privacy, which can be priceless.
Many of us are long time Apple users who go about our activities without loading shopping carts that we plan to abandon at the point of sale when we already know waving a phone will not pay the tab.
I assure you many or most of us are just normal people not looking to annoy an already overworked entry level employee with such disregard.
Some people are passionate about Apple Pay. They post on MR. That may be all it is.
On the other hand I know people who buy products they cannot learn to use from another maker because they have some type of anti-Apple issue.
Two unhappy tablet owners come to mind. iPad would have been a learning curve for them. I guess they are happy complaining about the Android tablet in the dresser drawer.
Most people will buy what they need without making an issue of the method of payment.
I assure you many or most of us are just normal people not looking to annoy an already overworked entry level employee with such disregard.
Some people are passionate about Apple Pay. They post on MR. That may be all it is.
On the other hand I know people who buy products they cannot learn to use from another maker because they have some type of anti-Apple issue.
Two unhappy tablet owners come to mind. iPad would have been a learning curve for them. I guess they are happy complaining about the Android tablet in the dresser drawer.
Most people will buy what they need without making an issue of the method of payment.
Ok, so there are handful of specialty circumstances where people can't easily switch to another drug store. That doesn't mean those of us who can make a choice shouldn't make that choice based on whatever factors we choose to make that choice.
I'm not ready to declare Apple pay as more secure yet. It's a beta product. Apple has never been known as a company that excels in security. Their own iCloud was hacked just weeks ago.
Retailers have every right not to use it. Apple routinely rejects apps. Your store. Your rules.
Imo Apple needs to provide me an incentive to use a service that makes them money as well as take on the risk of using a beta service.
Better work on some kind of rewards program Apple.
Retailers have every right not to use it. Apple routinely rejects apps. Your store. Your rules.
Imo Apple needs to provide me an incentive to use a service that makes them money as well as take on the risk of using a beta service.
Better work on some kind of rewards program Apple.
I am in agreement and everyone should have a choice and should not be judged by their choice.
Have a good Sunday.
I'm seriously amazed at how the US doesn't use chip and pin cards, that's the norm in the UK (and the EU I believe).
If you guys used chip and pin cards there wouldn't be such a hype over this more secure payment method - (of course Apple pay is still more secure for online transactions)
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It was confirmed that iCloud wasn't hacked though.
If you guys used chip and pin cards there wouldn't be such a hype over this more secure payment method - (of course Apple pay is still more secure for online transactions)
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It was confirmed that iCloud wasn't hacked though.
Apple Pay is still faster than whipping out a card, so even if there is complete parity in terms of security (which there actually is not), Apple Pay still wins from the convenience factor.
Get your facts straight. ICloud was NOT hacked. Getting someone's iCloud password from other sources and signing in as that person is NOT hacking.
"Waaaa, my phone was compromised and it's Apple's fault" What happened?
"I left my iPhone at the restaurant table when I went to bathroom" Who was with you?
"I was eating alone" So your phone was gone when you got back?
"Yes, and know my private info is appearing on Internet, my cards are being charged" Did you have finger ID active?
"No, I don't like it" Did you have it password protected?
"No, to much bother" ?....?
"It's all Apple's fault!" ...........Right......
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Security. Who wants to continue to waste time getting new credit cards and then having to redo recurring payments! Plus the possible competition doesn't seem to have the customer's best interest at heart. I don't want my purchases to be tracked and it sounds like the competition will be using debit account to decrease the cost to the merchants... And I won't give them access to my checking account.
No doubt we are a bit behind. The banks and retailers have been resisting because it will cost both of them a lot of money to switch over to chipped cards.
After so many hacking incidents and with our governments help, we will be moving quickly to chipped cards in 2015.
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I just dislike retailers that are no longer giving you the option to pay in the way you want.
There's cash, check, debit, credit and now electronic/NFC payment.
I don't understand why you would remove a way for someone to give you money.
Sure, create your own wallet if that's what you want but for those that don't want your option they can still buy from you with other options.
So personally if I choose to use ApplePay and CVS won't let me use this but Walgreens does which is across the street, I'm going to Walgreens simply for the fact that they are giving me that option.
There's cash, check, debit, credit and now electronic/NFC payment.
I don't understand why you would remove a way for someone to give you money.
Sure, create your own wallet if that's what you want but for those that don't want your option they can still buy from you with other options.
So personally if I choose to use ApplePay and CVS won't let me use this but Walgreens does which is across the street, I'm going to Walgreens simply for the fact that they are giving me that option.
Why have so many become NFC/Apple Pay snobs?
Someone was explaining how that difference is because of phone system history. Apparently, USA land line phone calls are so much less, we lacked incentive to upgrade to something that didn't need to call home base for every transaction. So now we are the poster children for outdated payment technology.
Someone was explaining how that difference is because of phone system history. Apparently, USA land line phone calls are so much less, we lacked incentive to upgrade to something that didn't need to call home base for every transaction. So now we are the poster children for outdated payment technology.
Some people care about the higher level of security that Apple Pay uses and some do not. If I spoke to someone who doesn't care, such as yourself, I wouldn't try to persuade them to switch to Apple Pay or care about the issue. Live and let live.
If someone did ask me what it's about, I'd answer but I'm not trying to convert anyone. It does seem like some people who don't care are trying to say the people who do are fools, or at least, shouldn't want to use NFC/Apple Pay.
If a store doesn't yet support Apple Pay, I wouldn't boycott the store. But actively turning off existing payment methods (NFC) in a store that was accepting it (Rite Aid, CVS) would make me consider switching to a competitor who allows NFC (Walgreen's in this example). It's like voting. Everybody has their own choice.
These threads are making me curious about what the people for and against and neutral might have in common. Personalities, experience, political slant...
Security and convenience are huge incentives. What else do you want?
As others have pointed out, iCloud was *not* hacked. Dumb celebrities with weak passwords had their passwords compromised.
There's very little risk to the end user with Apple Pay. Apple has been managing payment data for many years without an issue and the payment data that gets transmitted when you use Apple Pay is useful only for the duration of that one transaction.
It's because you know nothing about
Pay. Convenience/Security/Privacy all of these are benefit of Pay. Of course people with iPhone 6 will prefer to use it. So yes, they'll get angry when retailers shutting down their terminals just because they want to shove their inferior service down our throats. Gruber said it best, they did that because they fear Pay
Let's not confuse a good rumor with the facts! You some sort of sheep?
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If they won't allow using a system that benefits me, the customer, then I certainly will have nothing to do with their own system.
Cash is King!
And when they want my zip code or phone number, I politely say, "you don't need that" done, finne, das ende, that's all folks!
This is my main problem with MCX. They are basically building a payment system aimed at letting merchants do things that I simply don't care about, including data mining my habits. Security seems to be part of the equation, but just barely.
My issue with RiteAid and CVS are as others have already said, is that they are doing this to intentionally fragment the market, to get people to pick sides in another economic battle. And the thing is, NFC is less proprietary: Softcard, Google Wallet and Apple Pay all build on the same standard. And while it adds security for the payment networks, it does mean less time and money spent dealing with it by all parties, including merchants.
I think it is actually anti-consumer what MCX is trying to do by pushing liability onto them, and then focusing on how they can keep their loyalty cards and behavior tracking. That they want to make this a payments turf war too is just the last nail in the coffin that puts me in the camp of refusing to support it, and not just being indifferent to it. They wanted me to pick a side, and it worked. I just didn't come to their side.
At the end of the day nothing changes. A bunch of people on a fan site get on their high horse because some stored doesn't let them pay with their new phone. Take your business wherever you like. It doesn't matter.
I'm certain these companies will come around. I'm also certain that, when discussing accepting payments, when something totally new comes around that a large percentage of your customers may want to use, you tend to tread with caution. Apple pay sounds great on paper. I am sure it's great in practice too. But when making decisions about a multi billion dollar company, things aren't just black and white.
I think the stupid thing was the way in which some stores went about NFC transactions. If they were worried about apple pay, they should have turned off these transactions before it went live. Now this just looks like a knee jerk reaction (I'm not claiming it isn't). Much of that sentiment could have been avoided.
I knew going into this that as soon as apple pay launches, we would hit many hurdles. thise who thought this would be smooth sailing are living in lala land.
All that said, in 100% for speaking out against something you're oassionate about. A lot of the speaking out is slamming people who disagree. That is my biggest problem with this community and what has me spending less and less time here.
I'm certain these companies will come around. I'm also certain that, when discussing accepting payments, when something totally new comes around that a large percentage of your customers may want to use, you tend to tread with caution. Apple pay sounds great on paper. I am sure it's great in practice too. But when making decisions about a multi billion dollar company, things aren't just black and white.
I think the stupid thing was the way in which some stores went about NFC transactions. If they were worried about apple pay, they should have turned off these transactions before it went live. Now this just looks like a knee jerk reaction (I'm not claiming it isn't). Much of that sentiment could have been avoided.
I knew going into this that as soon as apple pay launches, we would hit many hurdles. thise who thought this would be smooth sailing are living in lala land.
All that said, in 100% for speaking out against something you're oassionate about. A lot of the speaking out is slamming people who disagree. That is my biggest problem with this community and what has me spending less and less time here.
Why have so many become NFC/Apple Pay snobs?
Because Apple says its secure doesn't make it so. Apple has no credibility. When it's out of beta and we've seen some independent reviews then maybe it'll be worth considering. And again Apple still would need to compensate me for choosing to use their service over others.
Apple also needs to be regulated since they're now in the banking business and should be considered as such.
Don't be so eager to provide Apple with your financial information. Apple looks out for Apple. Not you. They're among the worst companies out there for doing what is in the customer's best interest.
Btw. Independent reviews such as a cpa firm. Not some idiot blogger fan site like the verge.
Because Apple says its secure doesn't make it so. Apple has no credibility. When it's out of beta and we've seen some independent reviews then maybe it'll be worth considering. And again Apple still would need to compensate me for choosing to use their service over others.
Apple also needs to be regulated since they're now in the banking business and should be considered as such.
Don't be so eager to provide Apple with your financial information. Apple looks out for Apple. Not you. They're among the worst companies out there for doing what is in the customer's best interest.
Btw. Independent reviews such as a cpa firm. Not some idiot blogger fan site like the verge.
Apple is not doing any banking whatsoever. I think you have a woefully poor understanding of Apple Pay.
All Apple is doing is transmitting tokens. It's similar to a tokenized payment gateway like Authorize.net or Cybersource, neither of which are regulated as banks.
As far as security, the spec for Apple Pay is about all I need to know. If nothing else at all, it's an indisputable fact that what a merchant receives from Apple Pay is *not* your actual card number. That alone is enough to justify using it over a magnetic swipe. As far as the tokens Apple is storing, I think they have plenty of credibility. When is the last time you heard of an iTunes payment credential hack? Oh right, never.
Thankfully the world isn't waiting for your declaration.
Apple has long been known for security. How is it that OS X has never had a virus in its entire history?
Isn't security and convenience enough of an incentive?
Wrong again. No company on Earth puts the customer experience higher than Apple.
http://www.washingtonpost.com/news/...and-apple-poised-to-be-regulated-by-the-cfpb/
http://www.creditslips.org/creditslips/2014/09/apple-pay-and-the-cfpb.html
The spec for Apple Pay is all you need to know? Wow.. Of course, this is coming from someone saying Apple isn't doing any banking. I suppose that small percentage Apple receives from all apple pay payments is charity?
I'd prefer to see some assurance reviews and more controls in place before trusting Apple. As would many others. For now, Apple Pay is a high risk beta project with little to no oversight. Hopefully the feds step in soon and provide some guidance.
Hope I don't offend anyone but I visited the US this summer from the UK and couldn't believe you guys are still handing over your credit cards to retailers and signing for stuff.
The reason I find this a concern is my partner who visits the US regularly has had a number of fraudulant trnsactions appear on her card. Presumably because someone has swiped it when she handed it over and made a copy. At least with Apple pay no one walks off with your card and copies it.