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lartola

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Feb 10, 2017
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View attachment 2403134 View attachment 2403133 View attachment 2403132

The test site for contactless payment and Apple Pay that Central Market did in Dallas, Texas, by HEB now support it according to Apple Maps.

While that one would be correct, don’t trust Apple Maps too much. Many times I have found places marked there as accepting apple pay when they actually don’t (or at least make it much harder to use, as most sit down restaurants in the US do).
 

garyjones027

macrumors regular
May 4, 2023
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IMG_1309.jpeg


www.houstonchronicle.com/business/tech/article/heb-apple-pay-dallas-central-market-19626926.php

Here is the photo of a card machine from the HEB’s Central Market in Dallas, Texas, photo with tap to pay and Apple Pay.
 

cub850G2

macrumors 6502
Nov 15, 2014
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NE

garyjones027

macrumors regular
May 4, 2023
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The usage is increasing every year. As more people learn about tap to pay, more people will demand it. When it reaches critigal mass, the holdouts will finally turn it on. a few years ago there were 10 major companies not accepting it. Now there are 5. Wal-mart, Home Depot, HEB, Winco, and Hobby Lobby. Rumors are HEB and Home Depot will enable it by 2025.

Is this tap to pay by card or tap to pay by mobile phone in Apple Pay, Google Pay, and Samsung Pay?

The tap to pay by physical card is used more than mobile phone in USA. With physical cards with tap to pay which includes the option to insert or swipe, you can insert or swipe in Walmart and Home Depot stores of USA where they do not accept tap to pay.

More Americans use physical cards than tap to pay by mobile phones for card payments on the credit card machines in USA.

In USA, it has to be the tap to pay by mobile phone that needs more demand for these stores to finally accept tap to pay. It was 15% mobile phone for tap to pay use in stores of USA in 2023. It will be 30% mobile phone for tap to pay use in stores of USA in 2027.

www.statista.com/statistics/568523/preferred-payment-methods-usa/#:~:text=Cards%20was%20still%20a%20popular,payment%20method%2C%20followed%20by%20cash
 
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AZhappyjack

Suspended
Jul 3, 2011
10,184
23,659
Happy Jack, AZ
Is this tap to pay by card or tap to pay by mobile phone in Apple Pay, Google Pay, and Samsung Pay?

The tap to pay by physical card is used more than mobile phone in USA. With physical cards with tap to pay, you can insert or swipe the card in Walmart and Home Depot stores of USA where they do not accept tap to pay.

More Americans use physical cards than tap to pay by mobile phones for card payments on the credit card machines in USA.

It has to be the tap to pay by phone that needs more demand for these stores in USA to finally accept tap to pay. It was 15% use in 2023. It will be 30% use in 2027.

www.statista.com/statistics/568523/preferred-payment-methods-usa/#:~:text=Cards%20was%20still%20a%20popular,payment%20method%2C%20followed%20by%20cash
I think I disagree. Tap to pay is tap to pay. Whether one uses a credit card, a debit card, a phone or a watch, it's still "tap to pay". Any increased demand will help move the needle. As long as the water level rises, it will raise all boats.
 

cub850G2

macrumors 6502
Nov 15, 2014
290
30
NE
People are reporting that several Central Market locations are accepting it. There's only 10 of them total, so maybe it's all of them.
I fixed the wiki, HEB is listed as not having it and Central Market is listed separately as having it but eventually once HEB has it I'll put them back together.
 

lartola

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Feb 10, 2017
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I think I disagree. Tap to pay is tap to pay. Whether one uses a credit card, a debit card, a phone or a watch, it's still "tap to pay". Any increased demand will help move the needle. As long as the water level rises, it will raise all boats.

And I think I disagree with you. People who use tap to pay with their physical card are much less likely to be annoyed if they have to insert it at some places than people using tap to pay with their phone or watch, who also have to pull out the card when they usually don’t or may not even have it at hand. Therefore an increased use of mobile wallets will help move the needle more than the use of contactless cards. This is especially true at places such as restaurants, where an increased use of wallets would force them to process payments at the tables, whereas contactless cards make no difference since the staff can process the card by tapping when they take it away.
 

echopulse

macrumors regular
Aug 7, 2021
237
141
Abilene, TX
And I think I disagree with you. People who use tap to pay with their physical card are much less likely to be annoyed if they have to insert it at some places than people using tap to pay with their phone or watch, who also have to pull out the card when they usually don’t or may not even have it at hand. Therefore an increased use of mobile wallets will help move the needle more than the use of contactless cards. This is especially true at places such as restaurants, where an increased use of wallets would force them to process payments at the tables, whereas contactless cards make no difference since the staff can process the card by tapping when they take it away.
Increased usage of tap to pay, phone or card, will increase the number or transactions reported, and those statistics my spur some retailers to enable contactless.
 

lartola

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Feb 10, 2017
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Increased usage of tap to pay, phone or card, will increase the number or transactions reported, and those statistics my spur some retailers to enable contactless.

Hopefully, but I wouldn’t bet on tap to pay with cards doing the trick. Tap to pay with Phone/watch will do the trick for sure. Especially at sit down restaurants.
 

echopulse

macrumors regular
Aug 7, 2021
237
141
Abilene, TX
Hopefully, but I wouldn’t bet on tap to pay with cards doing the trick. Tap to pay with Phone/watch will do the trick for sure. Especially at sit down restaurants.
phone contactless transaction statistics are not reported separately from card contactless transactions.
 

echopulse

macrumors regular
Aug 7, 2021
237
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Abilene, TX
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tmiw

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Jun 26, 2007
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San Diego, CA
Home Depot finally starts turning on contactless. I don't know how widespread this is, so it might only be a handful of stores but I've heard it will be nationwide before black friday.

One of the locations in my area resorted to putting "no tap" labels on their terminals (as of yesterday), so hopefully they don't have to keep those on for long.
 

The-Real-Deal82

macrumors P6
Jan 17, 2013
17,282
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Wales, United Kingdom
How are chain stores in America surviving in this day and age without contactless? All our supermarkets, DIY stores and most shops on the high street adopted it from 2008 onwards. It just seems amazing a country like America which used to be the leaders of the free World still aren’t supporting technologies that consumers have been used to for over a decade and a half in other continents. Wild. I would have thought the pandemic would have forced the change through finally there considering so many shops around the World banned cash payments.
 

echopulse

macrumors regular
Aug 7, 2021
237
141
Abilene, TX
How are chain stores in America surviving in this day and age without contactless? All our supermarkets, DIY stores and most shops on the high street adopted it from 2008 onwards. It just seems amazing a country like America which used to be the leaders of the free World still aren’t supporting technologies that consumers have been used to for over a decade and a half in other continents. Wild. I would have thought the pandemic would have forced the change through finally there considering so many shops around the World banned cash payments.
A lot of stores did start enabling contactless during the pandemic.
 

lartola

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Feb 10, 2017
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Home Depot has finally started turning on contactless. I don't know how widespread this is, so it might only be a handful of stores, but I've heard it will be nationwide before black Friday.


I hope this means Home Depot will soon start accepting it in Mexico too, where they have also been holding out for years.
 

lartola

macrumors 68020
Feb 10, 2017
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How are chain stores in America surviving in this day and age without contactless? All our supermarkets, DIY stores and most shops on the high street adopted it from 2008 onwards. It just seems amazing a country like America which used to be the leaders of the free World still aren’t supporting technologies that consumers have been used to for over a decade and a half in other continents. Wild. I would have thought the pandemic would have forced the change through finally there considering so many shops around the World banned cash payments.

Unlike Europeans, American consumers haven’t been used to contactless for that long. Americans were still inserting or even swiping their cards most of the time as recently as 2019.
 
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tmiw

macrumors 68030
Jun 26, 2007
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San Diego, CA
A lot of stores did start enabling contactless during the pandemic.

That's the part that bothers me the most, IMO. It seems to imply that the US might never have bothered with contactless had there not been possible life-altering consequences attached to not doing so, especially since other places managed to adopt it without needing a pandemic first.

OTOH, I also don't think we would have bothered with QR code payments either, so "the US should have just copied China instead of trying to force NFC" wouldn't have changed much.
 

lartola

macrumors 68020
Feb 10, 2017
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It seems to imply that the US might never have bothered with contactless

Actually that did happen in other countries. Mexico, for example. In Mexico, most major retailers did not accept contactless before the pandemic and did not enable it during the pandemic either (they only started enabling it a couple of years later). And that was the merchants; as for the general public, people never reduced their cash usage at all during the pandemic, with 82% of all transactions made in the country at the time being in cash, that having dropped only slightly, to 80%, in 2023. People and merchants in Mexico either didn’t know or didn’t care that there were possible life-altering consequences attached to not switching to contactless (i.e, they either had no idea about the risk or were willing to take it and continued using only cash and chip cards during the pandemic as if nothing were happening).
 

garyjones027

macrumors regular
May 4, 2023
127
127
How are chain stores in America surviving in this day and age without contactless? All our supermarkets, DIY stores and most shops on the high street adopted it from 2008 onwards. It just seems amazing a country like America which used to be the leaders of the free World still aren’t supporting technologies that consumers have been used to for over a decade and a half in other continents. Wild. I would have thought the pandemic would have forced the change through finally there considering so many shops around the World banned cash payments.

Most Americans do not care if a store accepts contactless or not in that the use of physical bank cards [credit cards, debit cards] for payment in stores of USA are high while the use of Apple Pay, Google Pay, and Samsung Pay with digital bank cards for payment is low in stores of USA.

But most bank cards today from the big banks of USA most have contactless feature.

Also most Amex credit cards and Discover credit cards of USA have contactless feature today.
 
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monstermash

macrumors 6502a
Apr 21, 2020
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Home Depot has finally started turning on contactless. I don't know how widespread this is, so it might only be a handful of stores, but I've heard it will be nationwide before black Friday.

I came here to post that the only two places I go anymore that don't seem to take Apple Pay are Walmart (which I don't think ever will) and Home Depot.

Glad to see it will just just be Walmart, which I rarely go to anyway.
 

monstermash

macrumors 6502a
Apr 21, 2020
974
1,058
How are chain stores in America surviving in this day and age without contactless? All our supermarkets, DIY stores and most shops on the high street adopted it from 2008 onwards. It just seems amazing a country like America which used to be the leaders of the free World still aren’t supporting technologies that consumers have been used to for over a decade and a half in other continents. Wild. I would have thought the pandemic would have forced the change through finally there considering so many shops around the World banned cash payments.
Because, I dare say, anyone (or say, 99.99% of people) in the US that would use contactless has a physical card they can and will use if contactless is not available.

Most people are not technozealots. They just want to pay for their stuff and go home.
 

Tagbert

macrumors 603
Jun 22, 2011
6,228
7,267
Seattle
Because, I dare say, anyone (or say, 99.99% of people) in the US that would use contactless has a physical card they can and will use if contactless is not available.

Most people are not technozealots. They just want to pay for their stuff and go home.
Most people are probably not aware that they can use their credit cards for contactless. They just stick their cards into the chip reader and that’s it.

The place where I really want contactless is at gas stations. They all still use chip readers and the incidence of card skimmers is too high. I would hope that the protocols for contactless transactions have more security than just readying the chip.
 

monstermash

macrumors 6502a
Apr 21, 2020
974
1,058
Most people are probably not aware that they can use their credit cards for contactless. They just stick their cards into the chip reader and that’s it.

The place where I really want contactless is at gas stations. They all still use chip readers and the incidence of card skimmers is too high. I would hope that the protocols for contactless transactions have more security than just readying the chip.
I think most people don't care. They're not responsible for false charges, so skimmers are not a big deal.

My "contactless" cards seem to rarely work anyway. If I use a card I almost certainly end up sticking it in the reader anyway.
 
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