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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.
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.
 
Who knows if Walmart disabled NFC or just didn't buy the NFC terminals.
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.
 
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.
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.
 
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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!
And before Apple Cash had that you could use the Apple Card by entering its virtual number.
 
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.
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.
 
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Whether you use a contactless card to pay doesn’t make any difference to the store’s ability to track your purchases.
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.
 
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.
They do get less information, though. They don’t get your name, for instance, which they do when you use the physical card.
 
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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.
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.
 
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
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.
 
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.

No they don’t. As long as they’re accepting credit cards they’re not lowering transaction costs at all. They still pay the same interchanfe fee when a card is inserted or when Walmart Pay, which still needs to have a credit card stored, is used.
 
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.
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.
 
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But Apple Pay makes it almost impossible to track because a new credit card number is generated for each purchase.
It’s not for each purchase. It’s a different number from the physical card, but it doesn’t change per purchase.
 
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.

The good thing is that by 2030, debit cards and credit cards from Mastercard will not have the magnetic stripe.

This also includes debit cards and credit cards in the USA.
 
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.

10 years ago in 2015, EMV chip bank cards were started to be implemented in USA while most countries in the world that do card payments already had this tech with bank cards.
 
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)

In the USA, there is no mandate to upgrade card readers. Some small businesses in USA still use magstripe only card readers.

This will start to change as Mastercard removes the magstripe in which all bank cards from Mastercard will have not magstripe by 2030 which includes the USA.

So, this means that these small businesses in USA will be required in 2027 to 2029 to update those magstripe only card readers to chip card readers. Also, all chip card readers for small businesses in USA have contactless payment.
 
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!

I can't like this post enough. Never a cell signal and laughable WiFi in every.single.store. :oops:
 
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