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Why would Apple Pay lure someone to Lowe’s over Home Depot? Are people really that picky over WHERE they shop over just Apple Pay acceptance? If a business doesn’t take Apple Pay, I just use one of my CC’s with chip/pin. I don’t even think twice about it.

I mean, I prefer Lowe’s over Home Depot because:

1) It’s closer to my house and
2) I regularly get Lowe’s gift cards for at least 10% when Target or PayPal have promotions, so I rarely use a CC at Lowe’s anyway. I just keep my Lowe’s app wallet loaded with an instant 10% discount (more if I used my Target card for an extra 5% on the gift card).

Apple Pay is nice and all, and I use it at every store that I shop at that accepts it. But it doesn’t make a place I like to shop at a “non starter” due to its exclusion.

They may be trying to target people that don't have credit. So cashapp, apple pay, etc might be a better option for those segments.
 
the terminals aren't rare, the hardware ispretty common, especially with the proliferation of toast and square used for POS by small businesses.

however large merchants choose wether to enable or rollout contactless or apple pay support.
Thanks.

Curious how that is.

Here in Europe if a store accepts contactless it means any form of contactless.

It would be difficult to separate the different payment systems.
 
The US is strangely still very attached to the idea that a hand written signature is the most secure way of authorising a payment
Where do you live in the US? I lived in the Bay Area from 2014-2020 and Rochester NY from 2020 onwards. I've been using contactless payments for years, with Apple Pay and tapping my credit card.
 
That’s crazy to think contactless isn’t available almost everyone, here the uk I use Apple Pay for almost everything from buying stuff to using the tube
So do I and I’m in Phoenix. It’s just a few large chain holdouts like this one.

I also use Apple Pay to ride public transit and buying stuff
 
Are contactless payment terminals really so rare in the US?
There are only a few big holdouts still, like Walmart. It’s an expensive upgrade (5000 Walmarts in the USA * 50 terminals each = 250,000 terminals to upgrade) that some of these places apparently don’t think is worth it?

MOST places in the USA have contactless now though.
 
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Meanwhile, WalMart is trying to negotiate this with Apple

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So just Home Deport and HEB left as the two major stores I visit that have yet to adopt Apple Pay. Walmart is a lost cause. They aren’t budging.
 
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Are you serious ? In 2023 (soon 2024) in Home Depot in the US you still have to swipe a credit card ?
Not swipe, but insert (they still want the chip read). Just as bad IMO when I can pay at 80% of places with my Apple Watch.

There's a few retailers that make you sign the slip even when you pay with Apple Pay!
 
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Are contactless payment terminals really so rare in the US?

Not really. I live in the Midwest and 90% of the places I go accept contactless. The only place I frequent without it is Kroger. Walmart doesn't take tap-to-pay either, but I don't shop there.

I don't really care if I use contactless or chip. I haven't swiped a mag-stripe in a couple years.
 
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Tap to pay card readers and Apple Pay support is the same thing. This is why Walmart doesn't have contactless support, because they can't block Apple Pay and allow contactless.
I thought this was true, you have a contactless terminal, you have Apple Pay. Funny thing, the Shell I go to, contactless CC works, but not Apple Pay 🤷‍♂️
 
It's hard to blame them, what would your solution be?

Great news, yet another reason to shop with them over HD.
The problem I’ve run into is that they lock the wrong things up. I had to hunt for an employee at Home Depot to unlock the chainsaw shelf because they had also locked the chainsaw oil. I doubt a cheap gallon jug of oil is a hot commodity to steal.

——

Just this week I realized I had forgot my wallet at home. I was going to the grocery store, Petsmart, and Home Depot. The grocery store just started accepting Apple Pay, I double checked and found that Petsmart also started accepting it. So I did my shopping and just went home since I knew Home Depot would not work.
 
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IMO, for variety and quality of products, and even price, HD just punches down so hard at Lowes. For those that remember, its a real Circuit City vs Best Buy situation
 
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There are only a few big holdouts still, like Walmart. It’s an expensive upgrade (5000 Walmarts in the USA * 50 terminals each = 250,000 terminals to upgrade) that some of these places apparently don’t think is worth it?

MOST places in the USA have contactless now though.
That’s not why they don’t do it…they’ve probably had the requisite terminals forever, they just want to force people to use Walmart pay or whatever their stupid alternative is. It’s definitely still not as prevalent as it is in Europe, though it’s been much better after moving back in 2022 than when I moved away in 2014 (and I could use it immediately in the UK on arrival almost everywhere on 2014)
 
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