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^ this is correct

About 10-ish years ago, US payment terminals didn't even accept those little insertion chips, we were still using magnetic stripes like savages.

Getting chip readers rolled out required every merchant in America to upgrade their hardware, as well as every bank to issue new cards. Banks didn't want to issue more expensive cards for readers that didn't exist, and merchants didn't want to roll out readers for cards that nobody had.

Congress did something really clever (for once). They passed a law that basically said, "in the case of a fraud dispute, if there is an imbalance in technology (say, a user with a chip card, but the merchant doesn't read them; or a chip-less card from a lazy bank, and a merchant with a modern reader), then whomever had the inferior tech automatically loses.” This motivated the banks *and* the merchants to update all their gear overnight.

"What does that have to do with tap-to-pay and Apple Pay" When this enormous rollout of new terminals happened, because we were sort of "leapfrogging" technology, most of these terminals included tap-to-pay hardware, even though the new cards being rolled out didn't support it, because this hardware was coming from providers who had been selling to Europe for ages. Tap-to-pay gradually got enabled as banks figured out that people were prone to spending more with tappy-cards, and also there was that scare during COVID of physical touch in public.

However, a very small handful of merchants — really stupid and cheap ones, by which I mean Home Depot and Walmart — got the cheapest chip-reading machines possible, which didn't include tappy abilities. Additionally there's a whole thing about Walmart trying to kick off a proprietary QR-code reading standard.

So anyway, it looks like Home Depot has finally decided to roll out new terminals again, probably costing them more money than if they had paid just a little more for tap-enabled terminals back in 2014-ish or whenever.

I don't know about this. The Home Depots near me have the exact same hardware everyone else does. It even has the little wireless logo on it. They just don't enable it.

Home Depot wants to track its customers by credit card number, phone number, phone MAC address, facial recognition, etc etc.

That's why every single time after I stick my credit card in like a savage, it loudly yells at me "WOULD YOU LIKE AN E-RECEIPT?!" prompting me to enter my phone number. Every. Single. Time.
 
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I don't know about this. The Home Depots near me have the exact same hardware everyone else does. It even has the little wireless logo on it. They just don't enable it.

Home Depot wants to track its customers by credit card number, phone number, phone MAC address, facial recognition, etc etc.

That's why every single time after I stick my credit card in like a savage, it loudly yells at me "WOULD YOU LIKE AN E-RECEIPT?!" prompting me to enter my phone number. Every. Single. Time.
Most stores I know like Wholefoods as an example have you scan a loyalty QR card or of course enter a phone number to track and offer club deals. Home Depot like Target never wanted to get their credit cards into the bank network for fear of interchange fees as a result they don't fit into Apple Wallet. I don't understand why Apple can't figure out a way to support that.
 
10 years almost to the day (October 20, 2014 launch). A decade late and millions of dollars short. But at least they finally did it. Our local supermarket chain still hasn't, and maybe one out of 50 gas stations in our area has it, but most of them don't work.
 
Is calling this 'Apple Pay' the right terminology? This is just tap to pay, no? Just one is using the NFC in a device (Watch or phone of any vendor), instead of on card, and then it works.
Absolutely. Singling out Apple Pay is misleading ,especially on a tech blog article. It makes it sound like only Apple Pay isn't being accepted at these retailers. It’s ALL tap-to-pay, NFC transactions by any credit card company or bank that have not been accepted.
 
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Walmart need to hurry up 😆 Some high restaurants still don’t take Apple Pay too but that is expected as they take your card and put a tab on it anyway.
 
FINALLY.

Home Depot was the only place I shopped at regularly that didn’t accept Apple Pay. So glad to see this changing.
 
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Finally H-E-B is getting Apple pay! I remember one of their locations had it for about 6 months when Apple pay first came out, and then one day they just stopped taking it. i really wasn't sure if they would ever accept it.
 


The Home Depot has finally caved and started rolling out the ability to pay with Apple Pay and other tap-to-pay payment methods at some of its U.S. stores in recent weeks, according to a photo shared by the blog Appleosophy.

apple-pay-feature-dynamic-island.jpg

The home improvement retailer has not officially announced that it accepts Apple Pay, so it is unclear which stores offer it. In a social media post earlier this year, the company said it was "evaluating a number of new payment methods, including a number of mobile payments," but it had yet to make any "permanent decisions."

The Home Depot was one of the largest remaining Apple Pay holdouts since it dropped support for the service in 2015. Another was Texas-based grocery store chain H-E-B, which is also gradually starting to accept Apple Pay this month.

In a press release this week, H-E-B said it will begin rolling out the ability to pay with Apple Pay and other tap-to-pay methods at all of its stores throughout October. The company's other chains Central Market and Joe V's Smart Shop already began accepting Apple Pay earlier this year, and now it will be accepted in actual H-E-B stores.

Walmart is now one of the only major retailers in the U.S. that still does not accept Apple Pay.

Article Link: The Home Depot and H-E-B Finally Rolling Out Apple Pay in Stores
Home Depot stopped taking Apple Pay, then started restricting their veterans discounts. That was enough to drive me to their largest competitor around here (Lowe’s). After 5 years, my wife convinced me to go to Home Depot a few days ago and the cashier mentioned they finally had new terminals. Made the experience so much better!
 
Merchant fees didn’t really change. Though both master card and visa generally now only take 2% vs 3% when you use Apple Wallet or another biometric locked wallet as it tends to be less fraud.
In this day and age of technology, if you are a business that does not accept either Tap to Pay or ant smart phone pay e.g. ApplePay, Android Pay you are considered not with it and behind the 8 ball.
 
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The Home Depot has finally caved and started rolling out the ability to pay with Apple Pay and other tap-to-pay payment methods at some of its U.S. stores in recent weeks, according to a photo shared by the blog Appleosophy.

apple-pay-feature-dynamic-island.jpg

The home improvement retailer has not officially announced that it accepts Apple Pay, so it is unclear which stores offer it. In a social media post earlier this year, the company said it was "evaluating a number of new payment methods, including a number of mobile payments," but it had yet to make any "permanent decisions."

The Home Depot was one of the largest remaining Apple Pay holdouts since it dropped support for the service in 2015. Another was Texas-based grocery store chain H-E-B, which is also gradually starting to accept Apple Pay this month.

In a press release this week, H-E-B said it will begin rolling out the ability to pay with Apple Pay and other tap-to-pay methods at all of its stores throughout October. The company's other chains Central Market and Joe V's Smart Shop already began accepting Apple Pay earlier this year, and now it will be accepted in actual H-E-B stores.

Walmart is now one of the only major retailers in the U.S. that still does not accept Apple Pay.

Article Link: The Home Depot and H-E-B Finally Rolling Out Apple Pay in Stores
Home Depot is owned by insurance giants - that's why their contract work is garbage but accepted by insurance while good contractors are left out - DONT SHOP THERE They also take the lowest bid on their products - cheep crap!
 
I don't know about this. The Home Depots near me have the exact same hardware everyone else does. It even has the little wireless logo on it. They just don't enable it.
The ones I’ve seen in New York State and Oregon are significantly different than I’ve seen anywhere else. They have these black, sharp edged buttons that I admittedly find quite a pleasure to click on.
 
This is really good news but Apple Pay at the Central Market here in Austin (North Lamar) never worked. I remain cautiously optimistic.
 
Every Home Depot I've been to does not support Tap at all, glad they're doing this though
They’re about five years late to the party. I was in there a few months ago and had to run out to get my wallet because they still didn’t support Apple Pay.
 
In this day and age of technology, if you are a business that does not accept either Tap to Pay or ant smart phone pay e.g. ApplePay, Android Pay you are considered not with it and behind the 8 ball.
That perception must not be widely held or else Walmart and Sam's Club would be hurting for business.
 
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Right, the world's largest B&M retailer (with Sams) will follow... :p

Not sure where you go but around here, every table in the restaurants have a terminal to do everything on your own. Just as all the places are contactless (even Walmart though you have to use their app) so your 20 yr analogy is pretty dumb.
But when did you see those terminals at the tables? Most of my time in the US has been spent in Florida, so it’s possible I was just going to places that were out dated. Around 10 years ago I tried to pay for food at McDonalds using the chip and pin on my Visa card, and it didn’t work. The employee looked at me as if they had never seen that type of card before, and I think I ended up having to swipe my card and sign which is pretty frustrating.

In Canada, we’ve been using tap to pay since 2010, so nearly 15 years, not 20. When Apple Pay was introduced in 2014, many of us didn’t think it was that big of a deal, as we could already tap to pay just about everywhere. We do appreciate that Apple Pay is more secure though, as it needs to authenticate with Touch ID or Face ID. Our standard debit cards need to have the PIN reentered after a certain amount of money is spent to make sure that someone can’t steal your card and just go tapping everywhere on a shopping spree.

Here, a retailer doesn’t have to support Apple Pay or Google Pay or Samsung Pay. They just have to support tap to pay, as it’s all the same thing and has been available on every Canadian debit and credit card since 2010.
 
I don’t live in TX , but Frequent. Always frustrated that H.E.B didn’t even accept Tap to pay for regular cards either.

Their readers support it and I was always the customer that forgot they didn’t use / allow it for whatever nonsensical reasons they had.
 
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