You literally don't shop somewhere because they don't accept Apple Pay?
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Kroger Begins Accepting Apple Pay at All Ralphs Grocery Stores in California
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I wonder if they’ll do that at Harris Teeter which is owned by Kroger. It’s unbelievable that Harris Teeter does not offer any tap to pay. They only offer magnetic stripe reading or insert chip. Tap to pay is not new. My understanding is once tap to pay is offered, Apple Pay today then just works as is an NFC form of payment. Is that accurate?
Right, i know. I have yet to come across anywhere in Europe that accepts contactless that doesnt automatically accept Apple Pay. And I mean *everywhere* accepts contactless. Went to spain in the summer, the stalls selling wrist bands and little toys accepted apple pay, went to Iceland last week, the only time i needed to take my card out of the case was for the hire car. Every other transaction was carried out by apple pay.
I have no idea what is going in the US with Apple Pay and why it is being enabled business by business. I've been using Apple Pay exclusively for the last 2 years and the retailers have not even got the option to block it, all credit card terminals are equipped with NFC and that's the one and only prerequisite (that and having linked Apple Pay with a valid Visa or Mastercard)
Another one of those puzzling USA things I will never understand.
Here in Europe if a place accepts contactless — and they pretty much all do — then by extension Apple Pay is accepted. iPhone, Watch, whatever… Contactless is the preferred way of paying…
Only time you need a card is if it goes above — I think — a £100 or so.
Here in Europe if a place accepts contactless — and they pretty much all do — then by extension Apple Pay is accepted. iPhone, Watch, whatever… Contactless is the preferred way of paying…
Only time you need a card is if it goes above — I think — a £100 or so.
Nice move, although I’ve already switched to stores that accepted it a while back. I seek out stores online that accept it — Adorama for audio/video/photo equipment is a big one — I will buy from them over Amazon.
Well that's Pepperidge Farms for you, isn't it? Outdated Family Guy references aside, my girlfriend and I both use Apple Pay and we still shop at Kroger, but we don't only shop at Kroger and Apple Pay definitely factors in to our decision about where to shop on any given day. We prefer Target for most staples specifically because they accept Apple Pay. We mainly go to Kroger for soft drinks (which they have on sale all the time as a loss-leader), and while we're there we'll pick up anything they were out of or that cost too much at Target. We get our fresh fruits, vegetables and meats from Fresh Market which also accepts Apple Pay.
I think most people decide where to shop based on a lot of different factors–price, convenience, selection–and yes, Apple Pay is definitely one of the factors we consider when shopping and Kroger does get less business because of it.
That sounds absurd to me. Is the idea to live a completely wallet-less life? I am assuming at the very least most are carrying around their driver's license. At that point what does an extra 1-2 debit/credit cards do? Generally, even most wallet cases can fit 3 cards comfortably.
Maybe swiping the card at the terminal is too much work at this point.
Well, roughly half of the voting population routinely votes against their best interests. When you consider that aspect, it’s not hard to believe.
Of course. I never carry my wallet anymore, so by definition I can't shop anyplace that does not accept Apple Pay.
I also do not get this. As you say, almost every place in Europe accepts Contactless, and therefore by definition Apple Pay. Almost all shops also accept explicitly accept ApplePay which does not even have the £ 100 limit - I have bought things for thousands of Pounds with my Apple Watch.
(the exception is Germany, where very few stores accept credit cards).
Why would you carry your drivers license? As others have already mentioned, in many (not all) European countries such as the UK, Spain, France, Scandi, you can pay with Apple Pay everywhere - I never carry my wallet.
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I think in the US the big chains have a lot more power: more of the retail sectors dominated by big box, and less competition in each market (in the UK, we usually have at least three different supermarkets within 3 miles of each other in the country, and within two streets in urban areas). So these big chains can programme their own card terminals, according to their profit maximising strategies.
this is still wild to me that, as someone in the UK who has been using apple pay since it was released here in 2015, that there are stores that dont accept it.
i think at the very beginning there were still a few places where it was glitchy but i read that was due to out of date card terminals that felt like was all resolved within a few months. like multiple people have said here, if somewhere accepts contactless (which is pretty much everywhere) then apple pay by default works, and the £100 limit doesnt apply (i bought a sofa at DFS using it about 5 years ago)
it also works nicely at Costco whereby they can no longer enforce their debit card only rule as the card terminal doesnt know what sort of card it is.
i think at the very beginning there were still a few places where it was glitchy but i read that was due to out of date card terminals that felt like was all resolved within a few months. like multiple people have said here, if somewhere accepts contactless (which is pretty much everywhere) then apple pay by default works, and the £100 limit doesnt apply (i bought a sofa at DFS using it about 5 years ago)
it also works nicely at Costco whereby they can no longer enforce their debit card only rule as the card terminal doesnt know what sort of card it is.
Not correct, you can use Apple Pay for any amount, as you've completed that additional layer of authentication (Face ID).
It's only when you're using your card as method of contactless payment that you're restricted to the current limit of £100.
Doesn’t using Apple Pay also cut down on debit/credit card fraud because it masks your number from the terminal? Also not carrying the actual plastic that you can drop and lose is helpful for fraud.
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What is wrong with the US? I can use Apple Pay basically anywhere here in Brasil, from the smallest grocer on the street to the biggest chain in the country. Nonsense.
Yup! That's my understanding too. When contactless payment is accepted, Apple Pay will work because it is just contactless payment!
The US market is rather recalcitrant and slow to adopt a better and more secured standard. Contactless payment is not new -- at all!
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Nice to know.
I'll give it a go again next time I am at a restaurant.
Card in and Pin was always the result after trying to pay by Apple Pay.
Thanks again.
Did Hell freeze over? OMG! This is interesting news from Krogers.
All of their games to woo people from the idea of Apple Pay have failed. When does this sweep company wide? Soon I hope...
All of their games to woo people from the idea of Apple Pay have failed. When does this sweep company wide? Soon I hope...
That’s the only hardware prerequisite. You still need a payment processor, and apparently Apple Pay support is optional and costs a little more. This is a very American thing.
The other very American thing is Home Depot specifically refuses to support it, because they really really want your phone number (and credit card number) to track and market to you. This is the other reason the major retailers refuse to support it. Apple Pay is designed to prevent tracking, and to the Walmarts and other major corporations this is anathema.
That’s just it. These places are going out of their way to disable NFC on the terminals to push their QR code apps. Our NFC has no dollar limit and don’t require PIN entry, tokenized payments are far safer than card-present ones.