What do you mean by that? Apple Card is a mastercard so it would still work at stores and other places over there for americans traveling with it.On the other hand, the banks here do not allow AppleCard.
What do you mean by that? Apple Card is a mastercard so it would still work at stores and other places over there for americans traveling with it.On the other hand, the banks here do not allow AppleCard.
But they do in all other countries where they have a presence. Only in Mexico and the US they don’t.The Walmart stores in Mexico also do not accept Apple Pay and other NFC contactless payments.
Nah they have modern card readers but turn off contactless.What type of card readers are those other merchants using?
Magstripe only?
must insert/swipeI'm not Murican so can't just go to Walmart and check, but do they accept tap payments with a physical credit card? Or have to insert/swipe?
it could if they added the ‘buy with apple pay’ button to the app. But they won’t, and if I have to enter wll my card info that cancels any other benefit for me. I just won’t shop at Walmart.I've used Walmart Pay, but it only adds time to the transaction over credit/debit. However, Scan & Go is the way, as long as they are able to control shrink without impacting the customer experience. Being able to scan from the shelf and bypass the checkout line is a huge time saver and is a benefit which Apple Pay does not provide.
We know they did buy nfc equipped pinpads: they use ingenico lane 7000s and those things have nfc built in. They just turn off the nfc through software.Who knows if Walmart disabled NFC or just didn't buy the NFC terminals.
But NFC vs chip doesn’t make a difference on the fee paid. That Walmart shuts off nfc to save money is nothing but a myth that has spread too widely.There is no such thing as a zero cost to the merchant on ACH, debit or credit card transactions, there is always an interchange cost on every transaction. That cost varies depending on if the payment is card present or card-not-present, and what type of card it is (eg. Debit, Credit, AMEX, Visa, etc). Since Walmart is huge, the merchant services provider they are using is adding a small basis point over interchange cost as their profitably. The only time a merchant can avoid a fee, is to enable surcharging where they can pass the cost of the transaction to the customer, but that's only on credit cards, not debit.
And before Apple Cash had that you could use the Apple Card by entering its virtual number.Sort of a workaround; now that Apple Pay Cash allows you to see your card number you can use it in the Walmart pay app. It’s not the tap pay we want, but tried it the other day worked great!
Amazon’s isn’t scan & go, it’s even better: grab & go.I wonder who had Scan & Go first, Walmart or Amazon’s Whole Foods. I used it in Whole Foods a couple times. Works well.
NFC has never worked at Walmart. Samsung Pay used to work there because it could use the old magnetic stripe reader, but even that they managed to disable a few years later.There was around a 2 year period where the tech worked for NFC and Samsung pay, until Walmart deliberately disabled it systematically, a few months later the party lie was it had never worked.
Nor does it make a difference in how much the store pays worth of fees. Whether you use a mobile wallet (apple pay, google pay), however, does make a difference in the store’s ability to track your purchases.Whether you use a contactless card to pay doesn’t make any difference to the store’s ability to track your purchases.
They do get less information, though. They don’t get your name, for instance, which they do when you use the physical card.Even Apple Pay doesn’t protect you from tracking as the Device Account Number (DAN) doesn’t change between purchases. You can generate a new DAN by removing and re-adding a card to Apple Pay, but most people aren’t going to bother with that.
Once again, no. Walmart pays the same interchange fees whether or not contactless is used as long as they still accept credit cards. The only way to avoid interchange fees is by going cash only.Once again, Walmart pay is not really about tracking, it’s about avoiding interchange fees. As you point out, using contactless or Apple Pay does not really affect businesses’ ability to keep track of your purchases.
The reason you see Walmart (and all other businesses) happily accepting contactless payments in Canada and Europe is because the interchange fees are much lower there.
Walmart shuts off contactless, therefore banning all forms of tapping. Because this website is apple centric and us-based they use the terms apple pay and contactless interchangeably although they’re really not the same.I feel your explanation still leaves some ambiguity.
It has nothing to do with mobile phones
If a terminal accept contactless payment then you can tap your debit or credit card
all Samsung/Apple Pay do is put a copy of your debit/credit card in to your phone
Because they are trying to push their own payment solution which has lower transaction costs. For every customer they convince to use their Walmart app to pay instead of an EMV card or Apple Pay, Walmart saves money.
They take everything online, but in store it’s only visa.Costco also accepts Mastercard online. I've used my Apple Card and Citi Mastercard several times.
The only requirement was for restaurants to upgrade to chip like everybody else, but they all did it by buying wired pinpads instead of portable card readers like in the rest of the world, so they had to continue taking people’s cards away like in the old days, thereby preventing and/or hindering the use of mobile wallets.I wonder if these restaurants in USA are using magstripe only card readers to accept card payments. If yes, then they cannot accept Apple Pay and other NFC contactless payments.
I see their reasons for not upgrading to EMV chip payment terminals because of high cost.
There is also no requirement to upgrade to new payment terminals in USA fore restaurants.
It’s not for each purchase. It’s a different number from the physical card, but it doesn’t change per purchase.But Apple Pay makes it almost impossible to track because a new credit card number is generated for each purchase.
And no, Walmart doesn’t take tap to pay. One must insert or swipe the card.Does Walmart take tap to pay for chip cards?
That fee doesn’t even exist. Apple doesn’t charge merchants for accepting apple pay. They only charge the banks a fee.More of not wanting to pay Apple the handling fee of using Apple Pay.
I'm the UK too. My local Turkish barber accepts contactless. I'm pretty sure that many years ago Visa and Mastercard both mandated that all POS terminals in the UK and Europe must be contactless enabled. No idea why they didn't/won't do this in the USA too.
Walmart doesn’t accept any form of contactless, just chip. The article says apple pay because for americans apple pay=contactless. Contactless cards weren’t a thing in the US 10 years ago, and most businesses there only started enabling contactless to be able to accept apple pay.
As a UK resident this is so strange to me - here every single card terminal supports contactless payments, which all work with ApplePay (or google Samsung etc)
Home Depot already did.
Walmart: Give us access to your bank account and then you can fail to load the barcode in the Walmart app because the building is a farady cage. That's so much easier than tap to pay!