I can't like this post enough. Never a cell signal and laughable WiFi in every.single.store.
What’s also amazing is I can use ApplePay on my non-cellular Apple Watch when I unintentionally leave my cell phone in my car.
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Walmart Stands Firm on Why It Doesn't Accept Apple Pay in the U.S.
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What’s also amazing is I can use ApplePay on my non-cellular Apple Watch when I unintentionally leave my cell phone in my car.
I'm surprised. I had Cricket for years and now Visible, and I always have a decent connection. I know this because I'm on my phone a lot to pass time while my wife shops.I can't like this post enough. Never a cell signal and laughable WiFi in every.single.store.
But not from Walmart or any other merchant. Apple only gets its cut from card issuers that let their cards be added to Apple’s wallet. Walmart doesn’t save a penny by turning off contactless. Clearly they have other reasons for that, which they’ve never revealed.
yeah the payment info is stored locally on device, so no connectivity needed. That has always been an advantage of apple pay over qr based solutions.
They started enabling it again in the US last november. They might still be missing it in some stores, but at least they’ve started the process unlike Walmart.
There is a liability shift. Merchants still using magstripe are held liable for any fraud that happens, that’s why most merchants in the US, walmart included, already upgraded to chip. What hasn’t been mandated, and likely never will be in the US, is to also have contactless enabled, which is why Walmart still gets away with not having it.
Apple is not allowed to offer its card in Europe. If you own one, you can use it.
Apple doesn’t yet offer Apple Card anywhere outside the USA, but that’s not because they’re not allowed to. It’s because they need different partner banks in different regions, and either they haven’t found one in Europe or they aren’t interested in launching apple card there yet and aren’t even looking for one. They can’t use Goldman Sachs outside the US (besides, GS already said they want out of the partnership even in the US).
I thought that Apple generated a new card/token for each transaction.
Is this not true?
The theft laws for self check need to be changed. I can’t tell you how many times I for to ring up one item. (Not a lot, but a few times.) the shoplifting laws need to state that one the missed purchase is brought to the customers attention, the customer is given the opportunity to rectify the mistake and buy the “stolen” item.
This should go the same for employees.
No they generate a new “card number” for each device where you add your card. That number doesn’t change unless you remove and re-add the card; it’s the security code tied to it (which takes the place of the cvv of a physical card) that changes per transaction.
Companies absolutely can control the fees they're paying by turning features on and off.
Magswipe is relatively expensive because fraud rates are much higher. Just typing the numbers on the card (card not present, online or phone transaction) are also more prone to fraud. Adding in stuff like checking the zip code or otherwise verifying addresses can bring the fees down. But of course asking for all that means more frustrated customers who just give up and walk away. So merchants find a balance between being sufficiently secure and convenient enough.
IDK if chip vs wireless has different fees. I wonder if maybe the fee could be controlled by dictating a distance... ie, I think NFC could work from 3 feet away, but that might just make it easier for fraud, so generally it seems like NFC basically requires the card to touch the terminal.
Here's a rundown of the fee structure: https://www.clearlypayments.com/blog/interchange-fees-on-contactless-payments-comparison
That's a bit out of context.
When the Apple Card was launched on August 6, 2019 in the US, it was carried by Apple with Goldman Sachs. Additional cardholders and joint accounts were not supported. GSBE (Goldman Sachs Bank Europe SE) was registered in Germany with the idea of establishing the card there as well. Even MacRumors reported on it.
However, the European banking lobby was very opposed to this idea, you call it 'they haven’t found one'. The fact that the situation with Sachs is changing today has nothing to do with this fundamental problem. Apple has tried everything.
Well GSBE may have backed out, but it’s not the only bank in Europe, there are lots of other banks. That’s why I said Apple hasn’t found a partner. They can still launch apple card there if they find some other bank that’s willing to partner with them. Of course, seeing what happened with GS in the US the banks will probably be more reluctant to partner with Apple, but the possibility still exists. I wouldn’t say Apple has tried everything: trying with just one bank isn’t even close to trying everything.
That makes more sense. I al ways wondered how they never duplicated card numbers.
The same terminals used elsewhere, Ingenico lane/7000. The same terminals that Walmart in Canada uses…which has NFC/Apple Pay enabled. They are not sold without NFC hardware at all.
No, they have ingenico lane 7000 pinpads, which come with nfc built in and Walmart just turns it off via software.
Walmart gotta Walmart
Though I hadn't heard that HEB is now on board. That's exciting.
Though I hadn't heard that HEB is now on board. That's exciting.
I really think in the end, Walmart needs to admit that because Walmart is a low-margin business on big-box retail, they are not interested in paying the service charges to Visa, Mastercard and Discover for contactless payment processing and certainly not the service charges to Apple and Google for Apple Pay and Google Wallet. By using Walmart's own QR code based Walmart Pay, they offer most of the benefits of contactless payments to start with.