iPhone 6(S)/Plus Paying with the Phone?

[saber32au]

Waving a credit card next to a card reader has made Apple Pay obsolete.

For me, it's the opposite. Apple pay is making debit cards obsolete. No need to carry 4-5 cards; instead transfer cards into Apple pay (if possible), then carry around 1 card (just in case the contactless portion of the card reader isn't working)...

Apple pay on both touch-id and face-id enabled phones works very well (especially so with touch-id). The touch-id enabled phone allows you to have Apple pay ready as you're taking your phone out of your wallet/purse.

Is there anything I can do to fix this (I suspect not, this is another software failure from the Cook $$$$ era of apple)?

Learn how to use Apple pay properly.

 

[cyanite]

Waving a credit card next to a card reader has made Apple Pay obsolete. There’s no reason to use Apple Pay if your stores accept a contactless credit card. The whole point of Apple Pay was convenience, but waving a credit card next to a reader makes Apple Pay seem prehistoric and clunky — as you experienced first hand.

To add to the reasons other people mentioned why this isn’t the case, using ApplePay will let me pay any amount without entering a pin. A physical card often requires a pin for ”larger” amounts.

 

[one more]

Waving a credit card next to a card reader has made Apple Pay obsolete. There’s no reason to use Apple Pay if your stores accept a contactless credit card. The whole point of Apple Pay was convenience, but waving a credit card next to a reader makes Apple Pay seem prehistoric and clunky — as you experienced first hand.

Apple Pay does not have a payment amount limit though, unlike contactless payments by cards.

 

[macher]

I don’t understand the OP. I use my iPhone to pay in stores daily with no problems. It’s way more convenient than using a physical credit card.

 

[Allen_Wentz]

Apple's implementation of Apple Pay rocks. Your statement that "this is another software failure from the Cook $$$$ era of apple" just says really bad things about you.

Unfortunately Walmart, where around 95% of my grocery shopping occurs, obstinately refuses to allow Apple Pay. You want to pay there, it's cash or inserting your chip card. OR, what Walmart would actually prefer you to use - Walmart Pay.

Walmart Pay, which involves unlocking the phone, opening the Walmart app and then tapping on two buttons to get to Walmart Pay and then scanning a QR code is 'hugely less convenient' than actually using a credit/debit card.

Incidentally, Walmart also does not allow tap to pay with a card.

That leaves the other 5 percent. Fry's (which is Kroger in Arizona) also steadfastly refuses to accept Apple Pay. And they don't accept tap to pay either. Fry's is actually closer to me than Walmart.

Safeway/Albertsons DOES accept Apple Pay but they are out of my way.

Oh, and Home Depot, which is the closest hardware store? No Apple Pay, no tap to pay.

Apple Pay is convenient - if the vendor actually accepts it.

Sure there are vendors that do not take ApplePay and you mention some big ones. So carry your cc and bitch at the vendor every time (like I do at Home Depot), or use different vendors. That issue has nothing to do with the OP that apparently cannot figure out ApplePay with his iPhone.

 

[Al Rukh]

Double-tap the home button and rest your thumb on the TouchID and move your phone to the reader. That’s it, it’s that simple. The only issue you should face is when your fingers/thumb are sweaty or oily, resulting in the inability to recognise your biometrics to authorise Apple Pay.

 

[SpotOnT]

No one can use your cards without knowing your passcode or authorising via Touch/Face ID. Anyone can use your contactless cards if they are stolen.

And the one time I had my cards stolen, I wasn’t liable for any of the fraudulent charges to my account….so not sure why that difference matters….

 

[SpotOnT]

But at the same time, it is inconvenient to carry a bunch of random cards and frantically flip them one by one in cashier if not prepared beforehand. Tho same can be said for iPhone, it is slightly smarter (auto-switch to the card terminal wants in some cases).

Wow I never knew anyone thought paying for something with a credit card felt frantic. I guess be thankful you don’t live in a country like Germany that still often expects you to pay with cash?

 

[boss.king]

And the one time I had my cards stolen, I wasn’t liable for any of the fraudulent charges to my account….so not sure why that difference matters….

Because you can avoid the hassle of having it stolen in the first place? Seems pretty obvious to me.

 

[msackey]

Waving a credit card next to a card reader has made Apple Pay obsolete. There’s no reason to use Apple Pay if your stores accept a contactless credit card. The whole point of Apple Pay was convenience, but waving a credit card next to a reader makes Apple Pay seem prehistoric and clunky — as you experienced first hand.

Hmm...seems like a bizarre assessment to me. Apple Pay is secure while waving a credit card over contactless reader without using PIN is not. In the US, you can wave the credit card without using a PIN. I believe in Europe, credit cards issued there requires you to enter a PIN after you've waved it so it's also secured.

Apple Pay is definitely not prehistoric and clunky. It's the same idea as contactless credit/debit card. You can wave your phone or your watch (i.e., digital wallet). Another advantage of digital wallets is that for many cards, you can lock/unlock your cards so they can't be used. I recently returned from a trip to Europe and 99% of my transactions there were made by waving my Watch over the contactless reader. I didn't have to fish through my handbag or money belt to find my card. And, I have like 4 cards in my digital wallet that I can choose from.

 

[msackey]

No one can use your cards without knowing your passcode or authorising via Touch/Face ID. Anyone can use your contactless cards if they are stolen.

I think that's true in the US where credit cards are issued without a PIN. That's not fully true for European-issued credit cards where a PIN is required for purchases above a certain amount which I believe could be something like €20-ish and above. (Honestly, don't know why stateside, credit cards are still issued with the signature option. SMH)

 

[Andeddu]

Looking at the subject matter, along with the phone tag (iPhone 6S), I thought this was a necro thread from 2016, lol.

I’ve been using Apple Pay since 2016 back when the 6S was my daily driver.

Never had any problems with it over the 6S, OGSE, 8, 12 Mini and 13. Any issues you’re having is clearly user error. I pull out my phone and within 2-3 seconds I can pay for my purchase. It has been that way with all my iPhones.

I haven’t carried a wallet or a credit/debit card with me for 6-7 years… my phone is my wallet.

 

[fanboy-ish]

I find Apple Pay very convenient, especially with the Apple Watch, I don't even have to take my phone out of my pocket.

 

[Jackbequickly]

I do not think any financial institution would ever allow you to use the RFID function to access one of their credit cards without signing or approving an agreement which requires you to use some type of pass code, facial recognition, etc.

The advantage of Apple Pay for me is the cash back and not having to even access my wallet.

 

[Shirasaki]

I have been using Apple Pay for much more than a year

Count me 5 years since I got my ANZ bank card and never bothered to use my commbank one because commbank was obscenely late on supporting Apple Pay.

Apple Pay is convenient - if the vendor actually accepts it.

It’s incredible that UNITED STATES OF AMERICA, so many vendors don’t give a crap about Apple Pay, while in Australia, any terminal supporting eftpos supports Apple Pay more or less by default. It’s such a bless not having to carry physical bank card with me.

We do not accept Walmart Pay

BEST JOKE EVER for me today LMAO.

 

[MacCheetah3]

I thought I did not have to fuss with unlocking it first, I even found a setting to allow this on the lock screen and I made sure it was enabled. Well ********, I tried it over half a dozen times and everytime it wanted me too fuss with unlocking the phone (phone has a home button).

You don’t need to “unlock” your device, although, Apple Pay does require authentication.

Apple’s instructions (but I will summarize below):

Make purchases using Apple Pay - Apple Support

You can pay using Apple Pay in stores, in apps, on the web, and more.

support.apple.com

1. Remove iPhone from pocket, etc
2. Double press the Home button
3. Lay/Set finger on Home button (to authenticate via Touch ID)
4. Move/Hold iPhone near payment terminal/reader — wait a few moments until you hear a ‘ding’ chime/see Done
— A quick test: You have until the iPhone ‘sleeps’ (i.e., display shuts off) to hold it near the reader. Alternatively, you can perform steps two and three while holding your iPhone near the terminal.

 

[Belle Pomme]

I like the 2% cash back that goes to Savings. Also, if I forget my wallet or purse I can pay with my watch or phone. I am a fan too of tracking all my transactions on my phone.

 

[krspkbl]

i use apple pay 99% of the time when purchasing something in person. i pretty much only use my physical cards if i have to withdraw cash and that's extremely rare. i hate carrying cash. i don't think i've ever used my credit cards except to enable contactless (not that i use it) when i get a new one through.

on my 15 pro max all i do is double tap the power button (then Face ID does its thing real quick), i tap the reader, and it's done. so much quicker to grab my phone than have to pull out my wallet and find my card. when i'm at work in london i always use apple pay travel express for the tube. it feels so wrong to want to pull out a credit card to tap it lmao. now i have an apple watch that's what i use so i don't even need to take my phone out my pocket. on that all you do is double tap the side button and hold it to the reader. biometrics are already done through iphone so no face id.

if i can use apple pay to purchase through a site then i will use it. it's too easy to use and i hate having to go through paypal or type in my details.

my wallet with all my physical plastic cards stays at home most of the time. apart from withdrawing cash i only take it if i'm using my cities local underground as i have my own smartcard for that. if apple card was available here i'd sign up to it right away even if it is a physical card.

 

[Jackbequickly]

Sure there are vendors that do not take ApplePay and you mention some big ones. So carry your cc and bitch at the vendor every time (like I do at Home Depot), or use different vendors. That issue has nothing to do with the OP that apparently cannot figure out ApplePay with his iPhone.

‘I took my business to Lowe’s and left HomeDepot due to their lack of ApplePay support. I get $15-$20 weekly in Daily Cash. It will not make me rich but I refuse to leave this money on the table.

 

[eyoungren]

It’s incredible that UNITED STATES OF AMERICA, so many vendors don’t give a crap about Apple Pay, while in Australia, any terminal supporting eftpos supports Apple Pay more or less by default. It’s such a bless not having to carry physical bank card with me.

Well…they, the companies NOT taking Apple Pay probably don't make any money off of it. In fact, it might cost them. Vendors already have issues with debit card fees and CC fees. Fry's grocery will charge you the 50¢ it costs them to process your transaction if you want cash back.

No idea what would change this, but it's one of the reasons I still cary a wallet.

BEST JOKE EVER for me today LMAO.

Yeah, I was just stunned. Like walking into an Apple store and finding out they don't take Apple Pay!

Uhhh…oops, they don't. Uhhhhh, never mind.

 

[paulcons]

OP has an iPhone with a home button. You don't tap the side button for Apple Pay with iPhones that have a home button. You double-click the home button.

But the home button has to have Touch ID, iPhones without Touch ID are not capable of Apple Pay. And OP has yet to clarify the actual iPhone they have (aside from saying it has a home button).

It was listed in my sig, a 6s. I had no idea about the double tap thing, all I know (as I said) was there there WAS a setting for "pay without unlocking." Which does not work by simply waving the phone over the register... but now that I hear that it's a double tap on the home button (or a lay finger after the double tap on the button then use), I'll try that.

As for the other comments about credit cards, it's WAY more convenient and easy for me to touch one of those than fussing with a phone, even if the double tap does work. Card in a shirt pocket, phone in a protective carry case I have to remove to use. Then go through the tap thing... no comparison in ease of use. Oh, I need 2 hands to deal with the phone but only one for using my debit card.

As for the issue someone raised about losing one's contactless card, the financial organizations I use are super great about odd things happening on my account, they have several times actually blocked a fraudulent charge THEN let me know they did.

 

[eyoungren]

I had no idea about the double tap thing, all I know (as I said) was there there WAS a setting for "pay without unlocking." Which does not work by simply waving the phone over the register... but now that I hear that it's a double tap on the home button (or a lay finger after the double tap on the button then use), I'll try that.

You can 'practice' at home if you like, you don't need to be near a reader for it to activate. The phone doesn't know. Just try double-clicking the home button and you'll see your cards pop up. Eventually when you ARE at a register, all you have to do is have your thumb on the fingerprint sensor.

Also, just like a card, aim for the WiFi symbol on the reader. That's where the sensor on the reader will best pick up Apple Pay.

 

[paulcons]

You can 'practice' at home if you like, you don't need to be near a reader for it to activate. The phone doesn't know. Just try double-clicking the home button and you'll see your cards pop up. Eventually when you ARE at a register, all you have to do is have your thumb on the fingerprint sensor.

Also, just like a card, aim for the WiFi symbol on the reader. That's where the sensor on the reader will best pick up Apple Pay.

Ah, fabulous, thanks! I suppose some level of user error in not knowing this, but I asked a bunch of friends who have iPhones and none of them told me anything other than "wave the phone at the reader."

And yes I also see that the "no need to unlock" setting was simply wrong. One needs the double tap then hold the finger on the button and THEN it says to "hold near the reader." From what I saw, you do this tap and hold away from the reader THEN wave it at the reader!

So this is going to be my backup... it's still way easier for me to pull out the debit card in my shirt pocket, a one handed operation. I'm mostly talking about using this with a local businesses and unfortunately I am disabled and need to use a cane... so fussing with the phone is an issue.

 

[SpotOnT]

Because you can avoid the hassle of having it stolen in the first place? Seems pretty obvious to me.

Phones can be stolen…

 

[Fat_Guy]

The Ridge Wallet is convenient for me. Sits in a side pocket of my pants/shorts. I carry only the cards necessary and the rest reside on my phone in the Apple Wallet.

View attachment 2298294View attachment 2298295

If Apple Pay IS available though I usually do use that. Either way, they both have the same convenience.

I have one in carbon fibre. This is my second and the carbon wears the best. Like you I got the strap as my first had a clip. I put my company’s card key under the strap and it works as the other cards are isolated.


You can replace the strap but most just buy another as it starts to show wear - but the carbon model looks brand new after 2 years, so I may just replace the strap and rock on.


As for Apple Pay, everyone seems to use it now and I was one of its first adopters (only Amex at first in Canada).


But Blackberry beat them all to the tap and pay model! And I mean by years…