Apps that require you to enter a credit card number instead of being able to use Apple Pay

[MisterSavage]

I'm actually quite surprised that Apple hasn't made it a requirement that Apple Pay needs to be one of the payment options when you pay via an app. It astounds me that some companies still make you enter a credit card to pay via their app when there's a safe, secure payment system built into the device's operating system. If you don't want your credit card stored then you have to enter the bloody number each time you place an order. An example is Blaze Pizza. They let you pay with Apple Pay in person at the store but if you want to place an order via the app then Apple Pay isn't an option.

 

[Rigby]

An example is Blaze Pizza. They let you pay with Apple Pay in person at the store but if you want to place an order via the app then Apple Pay isn't an option.

The reason for this is that in-app Apple Pay is more complicated to implement for small merchants. In-store Apple Pay can basically work out of the box with any payment terminal that supports modern contact-less cards (EMV standard). In-app Apple Pay, OTOH, does not simply send a credit card number over the web, but replaces the standard EMV transaction with an encrypted interaction over the Internet (from the Secure Element in the phone to Apple servers, and then relayed to the merchant's backend), which requires them to implement an Apple Pay-specific interface.

 

[MisterSavage]

The reason for this is that in-app Apple Pay is more complicated to implement for small merchants. In-store Apple Pay can basically work out of the box with any payment terminal that supports modern contact-less cards (EMV standard). In-app Apple Pay, OTOH, does not simply send a credit card number over the web, but replaces the standard EMV transaction with an encrypted interaction over the Internet (from the Secure Element in the phone to Apple servers, and then relayed to the merchant's backend), which requires them to implement an Apple Pay-specific interface.

I could definitely give small businesses a pass but Blaze Pizza is a huge chain. Zoe's Kitchen is another chain that's like this, for example. Panera Bread is one implementation that's perfect. You can pay with a credit card, gift card, or Apple Pay.

 

[lartola]

An example is Blaze Pizza. They let you pay with Apple Pay in person at the store but if you want to place an order via the app then Apple Pay isn't an option.

I don't know why they don't do what's done here in Mexico. Here if you order a pizza delivery and want to pay with credit card but you don't want to enter the card information online, you can still pay by credit card on delivery because the couriers usually come to your door equipped with a standalone wireless POS terminal. Supermarkets that take delivery orders do the same.

I just love it because all those terminals usually accept contactless payment, and I can use Apple Pay on them at my doorstep just like I would if I went to their location and paid in person. It seems like Americans really hate to use a wireless POS terminal for any purpose whatsoever, because such terminals are not at all used in the US.

 

[lartola]

The reason for this is that in-app Apple Pay is more complicated to implement for small merchants. In-store Apple Pay can basically work out of the box with any payment terminal that supports modern contact-less cards (EMV standard). In-app Apple Pay, OTOH, does not simply send a credit card number over the web, but replaces the standard EMV transaction with an encrypted interaction over the Internet (from the Secure Element in the phone to Apple servers, and then relayed to the merchant's backend), which requires them to implement an Apple Pay-specific interface.

They don't have to do it in-app, thinking they must do so is rather narrow-minded of those merchants. They could simply give a standalone wireless terminal to the delivery courier and they can use the built in NFC reader to accept Apple Pay. That's what all pizza chains do here in Mexico. Both the large ones such as Papa John's or Domino's and the small ones. Here's a picture of one such terminal used by Domino's:

You want to pay for your pizza with credit card but don't want to do so online? just let them know when you place your order online or by phone and the delivery courier will be sure to bring a POS terminal to your doorstep. Don't get why this isn't done in other countries.

 

[MisterSavage]

I don't know why they don't do what's done here in Mexico. Here if you order a pizza delivery and want to pay with credit card but you don't want to enter the card information online, you can still pay by credit card on delivery because the couriers usually come to your door equipped with a standalone wireless POS terminal. Supermarkets that take delivery orders do the same. I just love it because all those terminals usually accept contactless payment, and I can use Apple Pay on them at my doorstep just like I would if I went to their location and paid in person. It seems like Americans really hate to use a wireless POS terminal for any purpose whatsoever, because such terminals are not at all used in the US.

That would be great! Some places like Carrabba's (which doesn't have an app) allow you to select 'pay at restaurant', which means you don't have to go through the annoyance of entering your card each time. It's the ones that won't let you order without paying via credit card that make me shake my head.

 

[lartola]

That would be great! Some places like Carrabba's (which doesn't have an app) allow you to select 'pay at restaurant', which means you don't have to go through the annoyance of entering your card each time. It's the ones that won't let you order without paying via credit card that make me shake my head.

But you still have to go make the payment at the restaurant. Best thing is to give the courier a terminal as I described before, so you can pay with your card or Apple Pay right at your doorstep.

 

[MisterSavage]

But you still have to go make the payment at the restaurant. Best thing is to give the courier a terminal as I described before, so you can pay with your card or Apple Pay right at your doorstep.

Oh I agree with you!

 

[Rigby]

You want to pay for your pizza with credit card but don't want to do so online? just let them know when you place your order online or by phone and the delivery courier will be sure to bring a POS terminal to your doorstep. Don't get why this isn't done in other countries.

I suspect many restaurants would prefer to be paid before they make the pizza and send out the delivery guy, because there is otherwise a risk that they put in the work but aren't paid (if the customer doesn't show up or refuses to pay). Also, here in the US it's quite common to pre-order on your way to a restaurant so your meal is ready for pickup when you arrive (as mentioned above this works really well e.g. at Panera Bread).

 

[lartola]

I suspect many restaurants would prefer to be paid before they make the pizza and send out the delivery guy, because there is otherwise a risk that they put in the work but aren't paid (if the customer doesn't show up or refuses to pay). Also, here in the US it's quite common to pre-order on your way to a restaurant so your meal is ready for pickup when you arrive (as mentioned above this works really well e.g. at Panera Bread).

If that were the case they wouldn’t allow customers to pay cash upon delivery, which they all do. They just don’t want to use wireless terminals for any reason in the US. It’s weird.

 

[Rigby]

If that were the case they wouldn’t allow customers to pay cash upon delivery, which they all do. They just don’t want to use wireless terminals for any reason in the US. It’s weird.

Many (most?) food delivery services actually ask for a credit card number here when you order.

 

[lartola]

Many (most?) food delivery services actually ask for a credit card number here when you order.

Here in Mexico they never do that at all if you order by phone, and only do so if you are paying online when you order online.

 

[sbuntin]

If that were the case they wouldn’t allow customers to pay cash upon delivery, which they all do. They just don’t want to use wireless terminals for any reason in the US. It’s weird.

In the US, these terminals are often leased or sold at exorbitant prices. Businesses are slow to replace them, let alone buy new ones for delivery personnel, or sign up to use terminals that require a cellular SIM.
We still have businesses running non-chip devices.