It’s not cherry-picking or lying. I transparently said MY LOCAL GROCERY STORE. Reading comprehension, luv ❤️
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Walmart Still Doesn't Accept Apple Pay in U.S. Despite Many Customer Requests
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You yourself said you shop at Walmart to save money. But now you complain that I'm only providing prices from corporate box stores? Which is it? Do you shop at Walmart to save money, or do you shop at this local grocer to support local businesses? You're moving the goal posts on your argument here.
I don’t touch Walmart. It is the Android of the retail world. Went there maybe twice over the past two years.
My comment was meant to be facetious…cute buzzwords, though
You created this "argument" by calling them a liar without having any firsthand way of knowing if they are or aren't. Do yourself a favor and give up.
Then good luck being broke and having to fight to get your stolen money back due to fraud. I know how hard that is firsthand, when the POS terminal I had swiped my card at was scraped, and a duplicate card was created in my name. People with it went on a $9000 shopping spree in Southern California, while I lived in Las Vegas and had been no where near SoCal in a year before or after that incident. It took me 9 weeks to recover all of the funds and getting taken off of the lists of people to not have any valid transactions (card, check, or otherwise) accepted. It's a brutal process and one that you've been lucky to avoid, but that naivety will definitely change if something unfortunate should happen to you.
Oh, and don't think it just happens with ATM/Debit cards; it happens to those backed by the major CC processors as well. That job I had in the PCI environment? It was maintaining a near 700 billion row database being used for fraud analysis, with processing CC transactions directly from all of the CC processors (Visa, MC, AmEx, Discover, etc.). Believe me when I say that the biggest danger comes from those who naively believe it can't happen to them... and they end up finding out the hard way.
BL.
I'm not failing to see anything, it's you who don't seem to understand what I'm writing. Some customers opt to spend their money elsewhere because they don't like Walmarts payment system. The extra steps are one thing, the lack of privacy is another.
How many is it? I don't know, and Walmart clearly thinks any lost customers is outweighed by the gain they get.
Because Target is cleaner. Less Jerry Springer clientele roaming the aisles. There's a reason People of Walmart meme website was created. lol. I mean come on.Apple Pay issues aside, the appeal of Target is a mystery to me. It seems like just a more expensive version of Walmart to me.
All I can guess is that people pay a little more to shop there so that they don't have to deal with the pleasures of Walmart (and reduce the chance of being involved in a violent situation)
"The in-store shopping experience at Target is miles beyond the typical Walmart shopping experience. However, it comes at a cost and is balanced by Walmart’s far-better online shopping interface. Target has wider aisles, less crowded shelves, department store-like merchandising, and trendy design touches. All these details make it feel a bit more elevated than a waltz through Walmart."
Target vs. Walmart: Which Is Best?
Target vs Walmart: which is best? We put the retailers to the test and compared them on deals, shopping experience, and more.www.rd.com
But again, it is a rare occasion that I go to either Target or Walmart. For the kinds of stuff they sell, I go to Costco, Aldi, Shop & Save, or online to Amazon.
Bottom line and take away is that the free market is working. Wal-Mart will conduct business how they see fit. If people don't accept it they can shop elsewhere. If enough people did that Wal-mart would adjust policy. But doesn't appear that's happening. So everyone can move on now. lol.
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"Then good luck being broke and having to fight to get your stolen money back due to fraud."
Guess again. If there is a fraudulent charge on my credit card, I'm not required to pay it, nor will I. There will be no money to try to "get back".
I once had a credit card that I used 3 places (new card). Someone at one of them used it to buy $1500 worth of basketball tickets at Madison Square Garden. I didn't pay a dime, and reporting the fraud was a breeze. No skin off my nose.
I don't carry or use an ATM/debit card - not worth the risk. If my credit card (or number) gets stolen and used for fraud (which it has in the past), I'll cancel it and use another one in the time time. No big deal.
Again - someone using my card for credit card fraud isn't even in the top one million things I have to worry about.
Guess again. If there is a fraudulent charge on my credit card, I'm not required to pay it, nor will I. There will be no money to try to "get back".
I once had a credit card that I used 3 places (new card). Someone at one of them used it to buy $1500 worth of basketball tickets at Madison Square Garden. I didn't pay a dime, and reporting the fraud was a breeze. No skin off my nose.
I don't carry or use an ATM/debit card - not worth the risk. If my credit card (or number) gets stolen and used for fraud (which it has in the past), I'll cancel it and use another one in the time time. No big deal.
Again - someone using my card for credit card fraud isn't even in the top one million things I have to worry about.
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I'm sure you're correct that 'some people' choose to shop elsewhere. We all have our reasons we prefer to shop (or not) at specific places over silly things like that. You, and others, are trying to argue not offering ApplePay is a detriment though but it obviously is not...as Walmart continues to be the largest retailer in the US. AND if physical cards magically disappeared that wouldn't change things either since the payment option would be, well, WalmartPay.
I usually don't stare at the other people at the store and watch how they pay but thats just me
I go away for a few days and this thread ends up ballooning to 33 pages.
EMV was never meant to stop card not present (i.e. internet) fraud. While wireless terminals would stop one mechanism for getting card numbers, it's arguable whether servers copying down card numbers was/is a significant mechanism for enabling CNP fraud.
Still nowhere near as common as in most other countries.
That 20% figure (IIRC from Visa, which includes tapping physical cards as well as mobile devices) is an average across all areas of the US. Some areas (like NYC and San Francisco) are significantly higher, possibly close to majority of transactions (if not already so).
Anyway, I personally don't think the US will ever use contactless payment as much as other countries for various reasons, but that doesn't mean that no one is using it at all nor does it mean that usage isn't increasing.
EMV was never meant to stop card not present (i.e. internet) fraud. While wireless terminals would stop one mechanism for getting card numbers, it's arguable whether servers copying down card numbers was/is a significant mechanism for enabling CNP fraud.
Still nowhere near as common as in most other countries.
That 20% figure (IIRC from Visa, which includes tapping physical cards as well as mobile devices) is an average across all areas of the US. Some areas (like NYC and San Francisco) are significantly higher, possibly close to majority of transactions (if not already so).
Anyway, I personally don't think the US will ever use contactless payment as much as other countries for various reasons, but that doesn't mean that no one is using it at all nor does it mean that usage isn't increasing.
I didn't make either of those claims.
My claim is, as it stands right now, Walmart has no real business incentive to allow NFC payments, nor will it have any real business incentive to do so soon - say - within the next 5-10 years.
You can tap it.
But like tapping your foot, it just won't result in a transaction.
But it's OK, because you can INSERT your card and it works just fine. It's like magic!! In just a second or so, your transaction is approved!!
It's amazing to me that some people feel there is such a big difference between tapping a card and inserting it...but it is comforting to know that, in the U.S., it's just a small minority of people.
It doesn’t matter whether or not servers copying down card numbers was/is a significant mechanism for enabling CNP fraud. The chance of that happening should be completely eliminated. Under any circumstances, upgrading to chip by getting a wired pinpad that would force them to continue taking the cards like we were still in 1990 was a stupid decision made by US restaurant owners.
If I had to enter a pin every time I wanted to use my credit card, I'd get a new card.
It's bad enough that I get asked "credit or debit" after swiping or inserting my card. I mean, it's NOT a debit card. Can't you tell? I mean....dumb.
No. Of all the countries where Walmart has a presence (and they’re several, not just the US and Canada) Canada is the only one where they support tap to pay. In all others, Walmart is chip-only. And only in the US and Mexico they have their own QR based payment apps, Walmart Pay and Cashi respectively.
Arguably, the covid pandemic should have been a major incentive to enable NFC. In fact, it was in Canada, where Walmart took the heat for its anti-NFC attitude and ended up having to enable it.
I’d imagine when the supermarket is busy and you’re waiting for several people in from to pack their shopping and pay, that process of digging a card out, putting it in the machine and typing the pin must be tedious. So 2006 too. I’d probably just go to another store.
Do you have ‘scan as you shop’ in your supermarkets for faster shopping? That’s my preference and then upload the total at the end and pay at a designated checkout that’s unmanned.
Do you have ‘scan as you shop’ in your supermarkets for faster shopping? That’s my preference and then upload the total at the end and pay at a designated checkout that’s unmanned.
And a lot more don’t. It’s not nearly as common to pay at the table in the US as it is in other countries. Even in Mexico, a country often looked down on by many americans, it’s by far more common.
They may not necessarily need to now, but more and more people are tapping physical cards, so contactless payment in general becoming the majority out of all transactions nationwide may come sooner than Walmart thinks.
I mean, I'd prefer restaurants to accept EMV at all (even if it meant no contactless support, or contactless effectively only by employees tapping physical cards) rather than trying to force the "perfect" implementation and causing many if not almost all of them to still be swipe-only as a result. Remember, there was still a lot of pushback on EMV from many merchants (not just restaurants) during the liability shift period.
You can still have wireless terminals along with chip and signature.
Also, PIN being made mandatory for transactions would mean that you couldn't avoid being asked for one simply by getting a card from a different bank.
SO, things may change in the future. That's an astonishing insight.
But here's the thing....even if 100% of people want NFC 100% of the time - their cards STILL work by inserting them. It's not as if Walmart is going to find itself unable to accept peoples' cards.
The vast majority of Walmart's customers will still shop there, unless some other retailer can provide what Walmart DOES provide, which is stores all over the place, with rock bottom prices.