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Apple Pay: Yes or No?
- Thread starter daniel1948
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I'm guessing you're in the US then? Two things which I wish vending machines did in the UK which is far more prevalent in the US is accept notes as well as coins and accept contactless payments. I work at a university in the UK and on our campus we have a fair few vending machines. Two of the newest ones we've had installed are in our library and they do indeed accept contactless (including Apple Pay), however I have never seen a vending machine anywhere else in the UK which does.I love Apple PayThe vending machine at work supports AP which makes getting my daily soda that much more convenient.
The vending machine at work supports AP which makes getting my daily soda that much more convenient.
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It's not an either-or thing: You can use ApplePay where it's accepted and still have your credit card to use elsewhere. You don't give up your credit card if you decide to use ApplePay (or any other mobile payment system). Yes, for the time being, and perhaps for quite a long time to come, there are more places that accept plastic than accept mobile payment. I remember when credit cards first came out: It took a long time for cards to become nearly universally accepted. There are still a few places that do not accept anything but cash. That's not a reason to refuse to use a card.
Stores such as M&S, Costa Coffee, Waitrose (depends on the area), CO-OP, Nandos, Boots (Depends on area), Pret-A-Manger, Wetherspoons are the ones I am aware of and used that accepts above £30 limit
Completely untrue. Anywhere that accepts contactless for a given card brand accepts Apple Pay, and Apple Pay does NOT need to be available in that country.
I'm fairly certain that in the UK at least the card services provider needs to update the POS equipment to accept Apple Pay. This may be done automatically in a lot of cases (and I'd guess that anywhere that can take contactless payments will have done this update by now) but I know that when Apple Pay was first launched over here there were a number of places who had to get their terminals updated (not replaced) in order to be able to take Apple Pay payments.
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Completely incorrect. I used a China UnionPay card multiple times in Hong Kong recently via Apple Pay.
Apple Pay appeals to gadget lovers and those who like to be seen showing off their iPhone. A vanity item, why those who use it won't admit that is telling.
Not once have I injured myself while performing the clumsy and time consuming act of removing my wallet to fetch my credit card.
Not once have I injured myself while performing the clumsy and time consuming act of removing my wallet to fetch my credit card.
There have been some compatibility bugs, not Apple Pay-specific, but just general contactless compatibility issues - contactless is not as interoperable as you'd hope. Some persist, Apple Pay has spurred merchants to fix most of them tho. For example, there's a pretty long shame list of UK merchants (including Starbucks and Superdrug) that don't support Amex contactless.
It appears you can add Wilkinsons (Wilko Retail Ltd) to that list too. Tried to pay using Apple Pay yesterday, rejected twice. Pulled my AmEx card out, failed again, swapped to my Visa card instead (not Apple Pay enabled sadly) and it worked. Cashier turns to me and says "Oh yeah, AmEx is chip and PIN only I think"
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I may be misunderstanding what you are saying, but at my local grocery store they do accept some forms of contactless payment, and they do accept my credit card, but they do not accept ApplePay (yet) though I have the same credit card in it.
Apple Pay appeals to gadget lovers and those who like to be seen showing off their iPhone. A vanity item, why those who use it won't admit that is telling.
Not once have I injured myself while performing the clumsy and time consuming act of removing my wallet to fetch my credit card.
I am a gadget freak, but not a show-off. The reason for using ApplePay is to avoid giving your actual credit card information to the store. Remember the Target hack, where a lot of credit card info was stolen by hackers? Users of ApplePay would not have had their information stolen because Target would have had only a code number issued by Apple. One company (Apple) gets my info instead of every store I shop at. (Or will be the case once there are enough stores that accept it.
Apple Pay is faster then the new chipped cards and readers thats for sure.
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Your post makes it sound like Apple issues you a new credit card that only works at merchants that accept Apple Pay.
Apple Pay is not a card brand like Visa or MasterCard.
Apple Pay is a technology that lets you pay contactlessly with many of the plastic cards (of various brands) that you already have. It's more secure than swiping the plastic version of your cards.
If a merchant isn't setup to take Apple Pay, then you simply pay using the original plastic version of the Visa, MasterCard, etc card.
It appears you can add Wilkinsons (Wilko Retail Ltd) to that list too. Tried to pay using Apple Pay yesterday, rejected twice. Pulled my AmEx card out, failed again, swapped to my Visa card instead (not Apple Pay enabled sadly) and it worked. Cashier turns to me and says "Oh yeah, AmEx is chip and PIN only I think"
Yup, what's happened is stores in the UK - a shockingly large number of stores - for whatever reason have decided not to get certified for Amex contactless. They only do contact certification for Amex. I have no clue why (other than that I know Visa and MC had incentives to make contactless work, and I don't think Amex has).
Interesting, and definitely a bug - you're not misunderstanding. It should work. It doesn't always. E.g. McDonald's UK had issues taking American Express in Apple Pay but not with the physical card, don't know if that's fixed. You can tap your card (not insert/swipe) at your local grocery store, and it works, but tapping the same virtual card in Apple Pay fails? What card and network is this? There's a few potential reasons, but if you're in the US, it's hard for me to guess what cards you're referring to as so few cards in the US can be tapped. American Express offers contactless cards, but the physical cards are actually far more likely to misbehave than Apple Pay (Apple Pay is currently using an older contactless technology in the US, for American Express only, to get around some compatibility issues).
Surely the charges are the same for Chip and PIN, Contactless and Apple Pay? Perhaps I could see the latter being slightly higher (Apple gets a cut) but I thought card providers were incentivising contactless by offering lower fees and/or less fraud liability being put on the retailer and more on the card provider?
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Here you go. The vendors charge a fee to use the cards. Visa/MC is 2% AE is 3%, thats a cost the retailer has to carry to sell the goods, hence why many wont take it. (in the UK)
http://www.fool.com/investing/gener...american-express-can-charge-more-than-vi.aspx
http://www.fool.com/investing/gener...american-express-can-charge-more-than-vi.aspx
I'm still not sure we're talking about the same thing. I have a Visa credit card, and I have entered the same card into Apple Pay. The card, like most in the U.S., does not have tap. It's swipe only. At the grocery store I shop at (being the closest to my home) I can swipe my Visa card through the magnetic reader, and it works. The check-out lady said they do accept some forms of mobile payment, but with Apple Pay on my phone, I was unable to pay. So she made a phone call and told me that their store does not yet accept Apple Pay. She has seen people pay with their phone, but she could not tell what sort of phone, or what payment service they had.
Apparently, the stores make individual contracts with each different mobile payment service. So as an example, they might accept Google Wallet but not Apple Pay.
Since I carry my card in my shirt pocket, it's actually easier for me to swipe my card than to pull out my phone, double-click the home button, put my finger on the ID reader, and hold the phone up to the machine. The trade-off is that presumably Apple Pay is safer.
Regarding the separate contracts for different mobile payment providers, that is my understanding too. I think here in the UK it's the payment terminal provider who makes the contracts and the stores just get it activated as part of their ongoing upgrade/maintenance plan but I could be wrong on that.
As for Apple Pay being safer than Chip and PIN, Chip and Sign or Swipe and Sign - yes it is. Each card added gets a unique Device Account Number generated (this account number is also unique per device in the case of it being added to more than one of Apple Watch, iPhone and iPad), the card issuer can therefore decline any transaction which takes place outside of Apple Pay where that account number is used (e.g. if it was used on a website or cloned onto another card). Each transaction via Apple Pay also uses a dynamic security code which stops replay attacks.
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Went to Panera Bread this afternoon to meet a friend. I had pad with my Apple watch before the girl had a chance to tell me the total. She kept looking at me waiting for me to pull out a credit card when she suddenly noticed the transaction was complete. I'm sure she's still wondering how she missed it.
I'm getting the impression that, at least around me, not very many stores take Apple Pay yet. I've yet to find one that does, though I'm not searching. Just asking any time I shop.
In the US, I get the feeling that EMV is still the major focus of many retailers. The majority of them still aren't ready to take chip cards. I think contactless payments will be a focus following that, and will grow like how it has in the rest of the world.
But until then, I think a lot of the US can be summed up by your statement above.
Apple Pay works great....the hard part is the number of locations (in the US) that accept NFC is limited.
As much as I hate to say it, I'd love to see Apple copy Samsung Pay's model that works at both NFC transactions and traditional magnetic strip terminals. You can use Samsung Pay just about anywhere.
Hopefully NFC terminal usage will spread, but it seems like a lot of retails are going to be slow to implement it. A lot of chip&pin terminals have the NFC functionality intentionally disabled.