Major Retailers that Support NFC Payments

[AllieNeko]

I used my TD Bank card via Apple Pay last night at Walgreens and man was it such a breeze. I wish all the stores I shop at like Best Buy, Shop Rite, Acme and Target would jump on board. It's so much easier.

Best Buy used to, but disabled it years ago. Just as CVS and Rite-Aid recently disabled it; and Target bought new hardware capable of contactless but has always had it disabled.

The local Subway near me disabled it after I complained to the owner about the hassle of having to ask for the PIN pad that's kept behind the counter. The owner's rep flipped on me about how they're not supposed to let me and the owner doesn't want people to be able to use it. Sure enough, a couple weeks later they had it disabled.

 

[ron7624]

Best Buy used to, but disabled it years ago. Just as CVS and Rite-Aid recently disabled it; and Target bought new hardware capable of contactless but has always had it disabled.

The local Subway near me disabled it after I complained to the owner about the hassle of having to ask for the PIN pad that's kept behind the counter. The owner's rep flipped on me about how they're not supposed to let me and the owner doesn't want people to be able to use it. Sure enough, a couple weeks later they had it disabled.

I only have credit cards enabled in my device. Debit cards, if getting cash back, require a pin.
On transactions over 50 usd they sometimes ask me for my signature. I think that will cease after the payment systems refine their input to the devices.

 

[dontwalkhand]

I only have credit cards enabled in my device. Debit cards, if getting cash back, require a pin.
On transactions over 50 usd they sometimes ask me for my signature. I think that will cease after the payment systems refine their input to the devices.

Right. I think Apple Pay will be more streamlined as a whole once EMV is finished rolling out. Don't forget that your phone has CVMs like a regular chip card.

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Best Buy used to, but disabled it years ago. Just as CVS and Rite-Aid recently disabled it; and Target bought new hardware capable of contactless but has always had it disabled.

The local Subway near me disabled it after I complained to the owner about the hassle of having to ask for the PIN pad that's kept behind the counter. The owner's rep flipped on me about how they're not supposed to let me and the owner doesn't want people to be able to use it. Sure enough, a couple weeks later they had it disabled.

Some Subways really piss me off and feel like they really don't care about the customer or their information. Thankfully, my subways all have the pin Pad facing me and it isn't behind the counter. That being said I will complain at people who insist keeping it behind the counter. The VX820 is called a customer facing terminal for a reason.

 

[mrcobra92]

I can confirm that Save Mart now accepting debit cards. I just used my BofA debit card to purchase groceries. The cashier was totally surprised and asked what I just did so I explained it to her

Thanks for the update. Will it work if you run as debit? I have only gotten credit to work, I can use my debit cars, though can only run as credit with them. (Some retailers have this problem)


Also, can someone take a video of using Apple Pay inside at WaWa? I want a video of it working with on of the Hypercom terminals they use (same as Best Buys terminals almost). Thanks.

 

[truskowr]

I think it only works as credit. I accidentally hit debit and it was rejected. SO we ran it again and I hit credit and it went through

 

[kdarling]

On transactions over 50 usd they sometimes ask me for my signature. I think that will cease after the payment systems refine their input to the devices.

We'd have to have a fundamental shift away from signatures in the US.

As long as the CC networks / acquirers require signatures for plastic cards, I think they'll continue to require them for contactless payment methods as well.

Right. I think Apple Pay will be more streamlined as a whole once EMV is finished rolling out. Don't forget that your phone has CVMs like a regular chip card.

That's correct. And from what people have posted from the results of card scan tools, the cards that are registered in Apple Pay usually have the same CVM list and limits (cardholder verification methods, for new readers) as if you owned a physical contactless version of the card. Which makes sense, as NFC payments emulate a contactless card.

E.g. Amex appears as if you got an ExpressPay, a Visa as PayWave, a MC as PayPass.

Most virtual cards allow a CVM of no verification below a certain amount. This of course is done to encourage spending and speed up checkouts. The virtual cards might or might not also allow PIN authentication, just as your physical card might or might not support it for use overseas.

Naturally, if your purchase is above either the card's or merchant/acquirer's preset limit, you'll still need to enter a signature or PIN.

As a side note, it seems that many US merchant terminals aren't set up for EMV yet, so Apple Pay / Google Wallet payments fall back on MSD (magnetic stripe data) mode in those cases... with the CVM decided totally by the terminal.

 

[AllieNeko]

As long as the CC networks / acquirers require signatures for plastic cards, I think they'll continue to require them for contactless payment methods as well.

Once EMV gets implemented, on-device CVM can be implemented for contactless mobile transactions.

 

[rugmankc]

I use it with a fob at places that do not accept Apple Pay. But yes you need it to send a magnetic inductive signal.

LoopPay interests me too. My bank just got Apple Pay, but merchants are limited here. At least the ones I frequent. Being an old fart, never thought I would use this tech stuff. But, may just use on a certain card and pay off card each month. My Flex Line is not usable with AP at this time. But probably would not use that anyway.

I don't like adding a case, so the Fob is only option. Do most of you with LP use the FOB and do you find it somewhat of a nuisance to attach and detach. It seems large for a keychain.

Any input appreciated--


Thanks

 

[dontwalkhand]

LoopPay interests me too. My bank just got Apple Pay, but merchants are limited here. At least the ones I frequent. Being an old fart, never thought I would use this tech stuff. But, may just use on a certain card and pay off card each month. My Flex Line is not usable with AP at this time. But probably would not use that anyway.

I don't like adding a case, so the Fob is only option. Do most of you with LP use the FOB and do you find it somewhat of a nuisance to attach and detach. It seems large for a keychain.

Any input appreciated--


Thanks

It is annoying to attach, so I just attach it before I get to the line. Nobody questions it as long as the transaction says approved.

 

[ron7624]

LoopPay interests me too. My bank just got Apple Pay, but merchants are limited here. At least the ones I frequent. Being an old fart, never thought I would use this tech stuff. But, may just use on a certain card and pay off card each month. My Flex Line is not usable with AP at this time. But probably would not use that anyway.

I don't like adding a case, so the Fob is only option. Do most of you with LP use the FOB and do you find it somewhat of a nuisance to attach and detach. It seems large for a keychain.

Any input appreciated--

Thanks

Just my opinion...
I investigated LP earlier in this thread heavily and almost bought one but don't want the fob, so I decided against it. Just another thing.

 

[cub850G2]

LoopPay interests me too. My bank just got Apple Pay, but merchants are limited here. At least the ones I frequent. Being an old fart, never thought I would use this tech stuff. But, may just use on a certain card and pay off card each month. My Flex Line is not usable with AP at this time. But probably would not use that anyway.

I don't like adding a case, so the Fob is only option. Do most of you with LP use the FOB and do you find it somewhat of a nuisance to attach and detach. It seems large for a keychain.

Any input appreciated--


Thanks

I see some Meijer and a Kroger( I'm surprised as most have it off) and many others in Dayton that is on the paypass locator: https://dl.dropboxusercontent.com/u/38348368/krogerpaypasslocator.png Looks like plenty of merchants to go around in your city and you can find more here: http://www.mastercard.us/cardholder-services/paypass-locator.html put your zip there. As long as your Apple Pay is Mastercard or Visa then the small business should work, but amex probably isn't accepted at them.
Also loop pay is cool, but with emv coming I hesitate from buying one, plus it would be better in a case for my phone, but no case for my phone, and the fob looks awkward to use.

 

[rugmankc]

I would be interested in eliminating checks which we use a lot and my wife hates writing out and balancing checkbook with those outstanding checks. Maybe a stop gap till AP had more footprint in my area.

Will start playing with AP for awhile. A Whole Foods will soon open here and anticipate shopping there. Son and his wife shop there a lot were they live.

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I see some Meijer and a Kroger( I'm surprised as most have it off) and many others in Dayton that is on the paypass locator: https://dl.dropboxusercontent.com/u/38348368/krogerpaypasslocator.png Looks like plenty of merchants to go around in your city and you can find more here: http://www.mastercard.us/cardholder-services/paypass-locator.html put your zip there. As long as your Apple Pay is Mastercard or Visa then the small business should work, but amex probably isn't accepted at them.
Also loop pay is cool, but with emv coming I hesitate from buying one, plus it would be better in a case for my phone, but no case for my phone, and the fob looks awkward to use.

Thanks will check those out. Was at a Kroger today but they didn't have it according to cashier. And saw no NFC on terminal.

 

[cub850G2]

I would be interested in eliminating checks which we use a lot and my wife hates writing out and balancing checkbook with those outstanding checks. Maybe a stop gap till AP had more footprint in my area.

Will start playing with AP for awhile. A Whole Foods will soon open here and anticipate shopping there. Son and his wife shop there a lot were they live.

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Thanks will check those out. Was at a Kroger today but they didn't have it according to cashier. And saw no NFC on terminal.

Well you have to visit that exact location as they have a much higher chance that its on, or they may have turned it off already, also you may not always see the nfc logo on the screen, so you just hold your phone to the terminal screen (Kroger usually have these: http://www.eshcom.com/store/image?id=VFMX915) and if it the phone screen turns on, then the Contactless antenna is turned on and Apple Pay will probably work. So to be listed on the Paypass locator, someone either used Google Wallet(Mastercard) or Apple Pay Mastercard there or they asked to be on there. Also I see that the loop fob is $10, I'm quite tempted to buy it for that price.

 

[rugmankc]

Well you have to visit that exact location as they may have it, or they may have turned it off already, also you may not always see the nfc logo on the screen, so you just hold your phone to the terminal and if it lights up, then the Contactless antenna is turned on and Apple Pay will probably work. So to be listed on the Paypass locator, someone either used Google Wallet(Mastercard) or Apple Pay Mastercard there or they asked to be on there. Also I see that the loop fob is $10, I'm so buying for that price.

I watched some videos on FOB. Wasn't paying attn to money. So, only 10.00 is total investment.

Will try just holding it to terminal at Krogers. I did that today but maybe not close enough. I shop HD but OP page says no MSC atm.


Of course playing devils advocate, if I continue to carry a wallet and my cards what reason to have FOB. I can see my iPhone and AP, no need to mess with an extra small item on a keychain. I have a Military ID and always have it on me. So, doubt I will ever stop carrying wallet.

AP may grow substantially this year.

 

[dontwalkhand]

I watched some videos on FOB. Wasn't paying attn to money. So, only 10.00 is total investment.

Will try just holding it to terminal at Krogers. I did that today but maybe not close enough. I shop HD but OP page says no MSC atm.


Of course playing devils advocate, if I continue to carry a wallet and my cards what reason to have FOB. I can see my iPhone and AP, no need to mess with an extra small item on a keychain. I have a Military ID and always have it on me. So, doubt I will ever stop carrying wallet.

AP may grow substantially this year.

I also have a military ID, I just took pictures of it and put it into the LoopPay app. Same with DL.

Legality questioned later when needed. But as stated I do keep my actual DL on me.

And Kroger here has it enabled, no logo though just tap and works.

 

[rugmankc]

I also have a military ID, I just took pictures of it and put it into the app. Same with DL.

Legality questioned later when needed. But as stated I do keep my actual DL on me.

I saw that mentioned on videos along with courtesy cards.. Just didn't see anyone demo it. Where are they 10.00?

 

[dontwalkhand]

I see some Meijer and a Kroger( I'm surprised as most have it off) and many others in Dayton that is on the paypass locator: https://dl.dropboxusercontent.com/u/38348368/krogerpaypasslocator.png Looks like plenty of merchants to go around in your city and you can find more here: http://www.mastercard.us/cardholder-services/paypass-locator.html put your zip there. As long as your Apple Pay is Mastercard or Visa then the small business should work, but amex probably isn't accepted at them.
Also loop pay is cool, but with emv coming I hesitate from buying one, plus it would be better in a case for my phone, but no case for my phone, and the fob looks awkward to use.

With EMV coming they'll hopefully switch contact less on, but remember, the merchant service provider not just the merchant has to decide if you get to accept contact less. If they go through Mercury or First Data yes, but others not yet unless you use their own countertop terminals.

 

[cub850G2]

I saw that mentioned on videos along with courtesy cards.. Just didn't see anyone demo it. Where are they 10.00?

http://www.looppay.com/products/ LoopPay Fob for $10 but its only for a limited time and shipping is about $6, so its about $16 in total. Its a 1 year anniversary special. @dontwalkhand I'm glad that its working for you, so I just checked the Paypass locator and don't see it on there, but that means nothing. I hope that Kroger is slowly changing their minds, as they told me that a few of their stores have the Contactless payment tech turned on, but most don't even if they have the MX915's. I don't think its a merchant provider thing, otherwise many of the stores that Kroger owns wouldn't have Contactless support, but Food 4 Less, Smiths, and Harris Teeter all do. Locally they still use old MX870, so still no Contactless here.

 

[rugmankc]

http://www.looppay.com/products/ LoopPay Fob for $10 but its only for a limited time and shipping is about $6, so its about $16 in total. Its a 1 year anniversary special. @dontwalkhand I'm glad that its working for you, so I just checked the Paypass locator and don't see it on there, but that means nothing. I hope that Kroger is slowly changing their minds, as they told me that a few of their stores have the Contactless payment tech turned on, but most don't even if they have the MX915's. I don't think its a merchant provider thing, otherwise many of the stores that Kroger owns wouldn't have Contactless support, but Food 4 Less, Smiths, and Harris Teeter all do. Locally they still use old MX870, so still no Contactless here.

Thanks cub

Just ordered, you guys use LockBox for storing stuff with LoopPay?

Calling it a nite,

 

[rugmankc]

Quick questions before I retire--

Any reason not to manually put CCs into LP before FOB gets here?

 

[Lloydbm41]

I also have a military ID, I just took pictures of it and put it into the LoopPay app. Same with DL.

Legality questioned later when needed. But as stated I do keep my actual DL on me.

And Kroger here has it enabled, no logo though just tap and works.

Been using my LoopPay card everywhere. Only problem I run into is using the Debit Card. It only works for me as a credit card. Not a big deal, since both credit and debit are nearly instantly removed from my account and my books are balanced nightly.

You do pretty much have to have the LoopPay card lined up on the center of the terminal, otherwise it doesn't register as a swipe. Takes a couple tries to perfect, but that was the extent of the learning curve.

Anyway, I use Apple Pay where accepted and LoopPay everywhere else. My DL and debit card are now in a hidden compartment in my car as my 'just in case, emergency'

 

[dontwalkhand]

Quick questions before I retire--

Any reason not to manually put CCs into LP before FOB gets here?

Yeah they won't work and the cards will be stuck in view only mode. I think they are required to be swiped in for PCI compliance and what not.

 

[kaielement]

Two things I wish Best Buy would take Apple Pay, and Second I wish my back supported Apple Pay.

 

[ron7624]

I would be interested in eliminating checks which we use a lot and my wife hates writing out and balancing checkbook with those outstanding checks. Maybe a stop gap till AP had more footprint in my area.

Will start playing with AP for awhile. A Whole Foods will soon open here and anticipate shopping there. Son and his wife shop there a lot were they live.

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Thanks will check those out. Was at a Kroger today but they didn't have it according to cashier. And saw no NFC on terminal.

Always test by holding your phone next to the terminal. I have found places that did not appear to have Apple pay but it was enabled and I was able to use. That terminal had no markings whatsoever. The cashiers do not know, heck the managers don't always know.
The one place that I am specifically talking about was a small stop and go type convenience store.

 

[rugmankc]

Always test by holding your phone next to the terminal. I have found places that did not appear to have Apple pay but it was enabled and I was able to use. That terminal had no markings whatsoever. The cashiers do not know, heck the managers don't always know.
The one place that I am specifically talking about was a small stop and go type convenience store.

Yeah, I am going to start doing that and see. Thanks