Amen.
We will all see if Apple Pay becomes a player in the next year or so. Lots of security products coming towards us over the next year. The people will decide.
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Why have so many become NFC/Apple Pay snobs?
- Thread starter ChrisTX
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Amen.
We will all see if Apple Pay becomes a player in the next year or so. Lots of security products coming towards us over the next year. The people will decide.
Maybe the use of the word "snobs" wasn't they best way to phrase things here but I have definitely seen people here in the comments get bent out of shape because places like Rite Aid and CVS are disabling Apple Pay. People are acting like they are owed this service when quite honestly I believe it is a luxury and not a right. And for the record I am equally as much an iOS fan as I am an Android fan/user. This post was originally started as a means of discussion based on some of the other posts dealing with Apple Pay.
Well, that is true for everything related to iphone.
There is a thread about how to deal with the greed of the carriers, as if having cheaper service is a right.
There are threads about people being disappointed with many different elements of the phone (too big for some, battery doesn't last long enough, can't get one fast enough, etc) as if having a phone that is perfect for them is a right.
Because I am the consumer I choose how I want to pay, not the company whose product I'm buying. It's not THAT they don't accept apple pay, it's WHY. Company XYZ that owns company ABC is "developing" a similar method of payment, apple and Google beat them to it so they are playing like a 4 year old who got his Legos taken away, STUUUUPID!! I think "we" as the consumer SHOULD refuse to shop at stores we disapprove of for whatever reason, whether that be payments options or the color of their sign consumer choice, not retailer demand.
Lego is a registered trade mark of the Lego group and not necessarily affiliated with this poster...
Lego is a registered trade mark of the Lego group and not necessarily affiliated with this poster...
I've asked about 5 new iPhone 6usersbif they use applepay. Not one even knew it existed. All were professional people. Just average people.
Its this simple - go into a store today, and see the cash only sign? You can bet that leads to a lot of people walking right out.
NFC is NFC - either accept the credit people are paying with, or you'll go out of business eventually. Its ludicrous that people are shutting down NFC just because Apple Pay is now out, and they didn't have a problem previously accepting NFC payments?
Consumers will vote with their wallets and digital wallets in this case. Don't want to accept my money? Then I don't want what you're selling. Its not like consumers don't have a choice, they do.
NFC is NFC - either accept the credit people are paying with, or you'll go out of business eventually. Its ludicrous that people are shutting down NFC just because Apple Pay is now out, and they didn't have a problem previously accepting NFC payments?
Consumers will vote with their wallets and digital wallets in this case. Don't want to accept my money? Then I don't want what you're selling. Its not like consumers don't have a choice, they do.
I am not an Pay snob, however I will NEVER use the CurrentC system - since it hooks in to your checking account, you lose all protections that Visa/MC/Amex provides. It gives retailers access to even more of my personal information than ever before. And it provides little protection in event of a corporate retailer hack like Target and Home Depot faced.
Thus I will continue to use my Visa card at CurrentC retailers (if I need to shop there at all).
But given the increased security of Pay, I will try to use it preferentially.
Thus I will continue to use my Visa card at CurrentC retailers (if I need to shop there at all).
But given the increased security of Pay, I will try to use it preferentially.
I love how no one is calling out the newbies supporting apple pay.
Its an amazing observation I've seen on this forum.
Anyone with a complaint and a new account gets treated like dirt.
Oh bent phone and a new account, must be a liar.
CVS is evil, and a new account, must be speaking the truth.
Its an amazing observation I've seen on this forum.
Anyone with a complaint and a new account gets treated like dirt.
Oh bent phone and a new account, must be a liar.
CVS is evil, and a new account, must be speaking the truth.
I'm guessing if they used to support NFC, and then they shut it down just because they didn't want
pay to compete with them then people would be upset at Costco too. There is a difference between supporting something and then dropping it and never supporting it to begin with.I personally have no interest in
pay, but I can understand why people might be upset with CVS.Neither are we boycotting retailers that only take Visa/MasterCard but not Amex. People are just pissed that they disabled NFC only after Apple Pay came into effect when they had absolutely no problem doing it with Google Wallet.
I don't have an issue with stores that don't have NFC in the first place (though I hope they eventually will 
). Especially as usually it means they'd have to pay more to get terminals that will support it (and I can understand they may not see the benefit in that yet and that it will have to take off to show the benefit).
What I take offense to is the stores that had it and shut it off when they realized Apple Pay may actually make NFC payments successful and they have their own much inferior method they are planning on trying to push instead. A method that I honestly hope fails cause it's so bad on the consumer side (direct access to your bank account, requiring your SSN which means they are storing that too. And if you think credit card fraud is bad... try ID fraud where all they need is your SSN really to steal your ID, and on top of that it sounds like more of a PITA to use than NFC payments or sliding your card).
). Especially as usually it means they'd have to pay more to get terminals that will support it (and I can understand they may not see the benefit in that yet and that it will have to take off to show the benefit).What I take offense to is the stores that had it and shut it off when they realized Apple Pay may actually make NFC payments successful and they have their own much inferior method they are planning on trying to push instead. A method that I honestly hope fails cause it's so bad on the consumer side (direct access to your bank account, requiring your SSN which means they are storing that too. And if you think credit card fraud is bad... try ID fraud where all they need is your SSN really to steal your ID, and on top of that it sounds like more of a PITA to use than NFC payments or sliding your card).
Well, there is another theory here.
Is it possible that CVS disabled the NFC, not because of the financial aspect, but rather because that is what is bending the phones?
Now wait a minute, think about this...
1. Not many people are using Apple Pay because it just got started.
2. Although there are millions of people use their phone "normally", for some reason other people who use their phones "normally" are having their phones bent.
3. Since those people seem to notice even the slightest bend, they are probably more likely to be power users and therefore quickly used Apple Pay and maybe even were using a jailbreak before the service was ready.
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agreed...and in addition....
Is this the same system (use of the QR codes) that was hacked in China that resulted in their central bank to demand that it was turned off? (there was a recent Forbes article about this IIRC)
Is it possible that CVS disabled the NFC, not because of the financial aspect, but rather because that is what is bending the phones?
Now wait a minute, think about this...
1. Not many people are using Apple Pay because it just got started.
2. Although there are millions of people use their phone "normally", for some reason other people who use their phones "normally" are having their phones bent.
3. Since those people seem to notice even the slightest bend, they are probably more likely to be power users and therefore quickly used Apple Pay and maybe even were using a jailbreak before the service was ready.
----------
agreed...and in addition....
Is this the same system (use of the QR codes) that was hacked in China that resulted in their central bank to demand that it was turned off? (there was a recent Forbes article about this IIRC)
I have been using a Mobil speed pass for years and have a couple of credit cards with NFC. It's nothing new.
I used apple pay at the apple store the other day. It was slick.
For me it doesn't matter if a business drops apple pay, NFC or accepting checks.
I frequent restaurants that only accept cash.
I haven't used apple pay enough to determine if not having it at a checkout is an inconvenience.
I used apple pay at the apple store the other day. It was slick.
For me it doesn't matter if a business drops apple pay, NFC or accepting checks.
I frequent restaurants that only accept cash.
I haven't used apple pay enough to determine if not having it at a checkout is an inconvenience.
We love our technology and we want to be able to use it. A company that deliberately limits our use pisses us off. A company that does this to promote a competitor only aggravates the issue.
The difference, at least for me, is that there is finally the momentum necessary to make a real difference in the retail experience. Nobody cared about Google Wallet because it was simply hard to use. Very few devices supported it then, with only marginally more now, and even fewer retailers had NFC terminals. It's not that it's that Apple is magical and came up with a groundbreaking solution, it's that:
1. They came up with an easier way to accomplish the same task
2. The infrastructure is there for this to be a meaningful feature
3. ApplePay will be on 50 million devices in early 2015
4. Apple + Google both support the same underlying technology
I'm excited because in 2 years, Wallet/A.Pay will become ubiquitous, and without Apple's entry into this industry, wireless payments could not advance in the same way.
1. They came up with an easier way to accomplish the same task
2. The infrastructure is there for this to be a meaningful feature
3. ApplePay will be on 50 million devices in early 2015
4. Apple + Google both support the same underlying technology
I'm excited because in 2 years, Wallet/A.Pay will become ubiquitous, and without Apple's entry into this industry, wireless payments could not advance in the same way.
Anyone, Android, Windows, or iOS user, that posts on these forums are probably snobs. Tech snobs.
That snobbery shifted the landscape in music and movies in the last 10 years. That snobbery has lead to car companies tripping over themselves to bring more fuel efficient vehicles to market. Snobbery is what pushes companies to compete for our money or die. Snobbery as you call it is what I call having standards on how, where and what I spend my money. And CurrentC, not only does not meet my standards, its worst than swiping. All these companies are doing is pushing me more and more into Amazons influence.
That snobbery shifted the landscape in music and movies in the last 10 years. That snobbery has lead to car companies tripping over themselves to bring more fuel efficient vehicles to market. Snobbery is what pushes companies to compete for our money or die. Snobbery as you call it is what I call having standards on how, where and what I spend my money. And CurrentC, not only does not meet my standards, its worst than swiping. All these companies are doing is pushing me more and more into Amazons influence.
Not snobs.
Just can't believe that some merchants are actually the snobbish ones when it comes to choice of payment.
Disabling a whole payment system just because one company gained steam with their introduction.
Just can't believe that some merchants are actually the snobbish ones when it comes to choice of payment.
Disabling a whole payment system just because one company gained steam with their introduction.
Only if you catch the problem within a certain timeframe. Also, do you enjoy it when you get a replacement credit card and have to spend a significant amount of time updating your info.
Lastly, nothing is really free. Where do you think the money ultimately comes from that refunds you for the fraud ?
From a business standpoint CVS just ticked off a lot of their customers. They should have never offered 
pay if they were just going to take that away and Google wallet.
Plus if you're a multi million dollar business wouldn't you want your customers to be safe from identity theft? I'm just not going to shop at CVS not only because of pay but their extra bucks program is dumb. The rewards print on your receipt and If you lose your receipt then you're screwed.
pay if they were just going to take that away and Google wallet.Plus if you're a multi million dollar business wouldn't you want your customers to be safe from identity theft? I'm just not going to shop at CVS not only because of
pay but their extra bucks program is dumb. The rewards print on your receipt and If you lose your receipt then you're screwed.I suggest you read up on EMV Tokenization.
https://medium.com/@naren/a-payments-primer-81de49971171
https://www.apple.com/privacy/docs/iOS_Security_Guide_Oct_2014.pdf
Foolproof? Probably not. Far more secure than your merchant having your actual credit card info? Definitely so.
True, although people should be reading through their credit card and bank statements every month regardless. To do otherwise is begging for a problem.
The other points are certainly valid. There's also the fun and enjoyment of having a card suspended while out of town on a trip. Yes, that's why you bring alternates, but better to not get hit in the first place. (although I will say it's better to push all payments from your bank rather than do automatic pulls from the various utilities and so forth).
With debit cards even if the money ends up back in your account you can face a lot of time/effort sorting out bounced check (electronic or paper) charges for the various other bills you pay out of the hacked account.
Did they ever intentionally offer it or was it just that NFC was turned on and thus it worked until they disabled NFC?From a business standpoint CVS just ticked off a lot of their customers. They should have never offered
I believe signing up for MCX includes an exclusivity agreement disallowing other mobile payment options. Google wallet probably just sailed under the radar but when Apple Pay started making news it became an issue they had to deal with to maintain the exclusivity agreement. I don't know what the penalities would be, but probably enough to risk a backlash.