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Well, regarding CVS, they probably were losing customers because prices for medications tend to be cheaper at Walmart, not because of Apple Pay
How does CVS's behavior fit with your theory? Does it make sense? CVS adopted Apple Pay, but they didn't lower their prescription prices?

Sounds like your theory doesn't fit at all.

🤷🏻‍♂️ It’s cute how you and other think Apple Pay is some huge big deal and that stores are closing because they don’t use it 😂😂
What cuteness is that? How do you know what anyone is thinking? Did anyone actually say that they think stores are closing? Did anyone anywhere report that "stores are closing because they don't use it"? Nope.

I said that the lack of Apple Pay increases friction for users of that service, and some customers would go elsewhere. I said that the lack of Apple Pay would have an impact on the bottom line of Target and CVS stores. The behavior of those chains is consistent with that thinking: they added Apple Pay.
 
How does CVS's behavior fit with your theory? Does it make sense? CVS adopted Apple Pay, but they didn't lower their prescription prices?

Sounds like your theory doesn't fit at all.


What cuteness is that? How do you know what anyone is thinking? Did anyone actually say that they think stores are closing? Did anyone anywhere report that "stores are closing because they don't use it"? Nope.

I said that the lack of Apple Pay increases friction for users of that service, and some customers would go elsewhere. I said that the lack of Apple Pay would have an impact on the bottom line of Target and CVS stores. The behavior of those chains is consistent with that thinking: they added Apple Pay.
And at least with CVS you can be a mummy for Halloween if you have paper receipts turned on
 
Incorrect. When you do curbside pickup at HEB they do not bring card readers, you pay when you order on the website. Unless they changed something recently. I haven't seen a single store that has wireless pinpads, either.

Re-read my post, I was talking about HEB in Mexico, not HEB in the US. They do have the wireless card readers at HEB stores in Mexico (in fact, all supermarkets in Mexico do). I know they don’t in the US. In fact, at least until late 2017 hardly any merchant in the US used a POS with wifi or cellular connectivity. Even small mom and pop stores that had a standalone card reader usually had an ethernet cable hooked up to the card reader for connectivity, not wifi or cellular.
 
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Yea are we still shopping somewhere that uses dial up for the CC network??? do they still whip out the machine to imprint your card on the receipt? 30s would be an eternity today. Even the time some stores took to approve a chip transaction was crazy. Most were near instant but some were unusually slow
I don't think the impression credit cards are legal anymore. It's electronic verification or nothing. I think they could get away with dial up in a gas station far out in the middle of nowhere. (That may be their only choice.) If a store was that slow, most people would go to someplace with faster service.
 
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Incorrect. When you do curbside pickup at HEB they do not bring card readers, you pay when you order on the website. Unless they changed something recently. I haven't seen a single store that has wireless pinpads, either.
Most of the places where I eat in Canada, the waiter brings a reader to your table where you can scan your watch.
 
Look, in sum total, here's the biggest reason why Walmart doesn't have Apple Pay: Walmart wants to track your specific purchases, not only for marketing purposes but also for inventory control on their end. That's something you can't do with Apple Pay. Walmart's spat with Visa and Mastercard is only part of the issue here.
 
Look, in sum total, here's the biggest reason why Walmart doesn't have Apple Pay: Walmart wants to track your specific purchases, not only for marketing purposes but also for inventory control on their end. That's something you can't do with Apple Pay. Walmart's spat with Visa and Mastercard is only part of the issue here.
Inventory control? What do you mean? Walmart obviously knows exactly what the sell regardless of how you pay. The only thing they can't do with Apple Pay is connect your purchase with previous purchases that you made.
 
Most of the places where I eat in Canada, the waiter brings a reader to your table where you can scan your watch.

That’s at restaurants everywhere, but the US. It’s far less common, if it exists at all, at restaurants in the US. In fact, the usage of wireless POS among merchants in the US in general is very low.
 
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That is incorrect. I know several stores that charge extra if you are using a credit card.
They are breaking the rules. It is unlikely they will get caught. If they do, they won't have credit card payment options.
The only thing cool about WM is the stores with that tower where you can pickup your order. I would go back to working at a WM just to be support for that thing. We were helping others as customers when we first encountered it
What? It might almost be worth driving to a Walmart to see that.
Yea I'm not even sure how the rules changed for that. I think they may be able to do the surcharge but can't deny for too low?
They did not. They are just breaking the rules.
 
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You seem to forget in countries where nearly all payments are contactless, the process is much quicker. Chip and pin works for Americans and that is great, but in other countries chip and pin is an old method and we’ve moved on. If I can get through a checkout payment screen in 10 seconds as opposed to 50 seconds, that’s worthwhile for me. Shopping is tedious at the best of times and Apple Pay/Android Pay/Tap to pay is so much better.
Chip and PIN? Maybe for debit cards, but credit cards are swipe/insert/tap without a PIN. Chip and sign is at some places. I go to a restaurant where if I insert the chip I have to sign the receipt but if I tap I do not have to sign but I still have to put the tip on the receipt.
 
I don't think the impression credit cards are legal anymore. It's electronic verification or nothing. I think they could get away with dial up in a gas station far out in the middle of nowhere. (That may be their only choice.) If a store was that slow, most people would go to someplace with faster service.
The last time I saw the machine was at a Holiday Hair years back
 
They are breaking the rules. It is unlikely they will get caught. If they do, they won't have credit card payment options.

What? It might almost be worth driving to a Walmart to see that.

They did not. They are just breaking the rules.
They have it in Quakertown PA if you are anywhere near there. I'm sure others must have them, but I'm not sure if that would be on the app/site
 
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I hate the Walmart, Kroger, and Home Depot refuse to take any contactless payments. Walmart and Kroger are using their own “pay” systems to track everything their customers purchase. Home Depot took contactless payments at one point and then disabled them. Walmart is also scummy because they do take contactless payments in Canada.

Honestly credit card companies should require these companies take contactless payments just like they mandated the change to using the chip cards.
 
They are breaking the rules. It is unlikely they will get caught. If they do, they won't have credit card payment options.

What? It might almost be worth driving to a Walmart to see that.

They did not. They are just breaking the rules.
That's not true everywhere in the US anymore. I think there only around a dozen states where you can't add credit card surcharges. There was a lawsuit around 10 years ago that ended the blanket restriction by credit card companies.
 
I hate the Walmart, Kroger, and Home Depot refuse to take any contactless payments. Walmart and Kroger are using their own “pay” systems to track everything their customers purchase. Home Depot took contactless payments at one point and then disabled them. Walmart is also scummy because they do take contactless payments in Canada.

Honestly credit card companies should require these companies take contactless payments just like they mandated the change to using the chip cards.
Yea how long ago did they start chips and Long John Silvers' still doesn't take them. Enjoy being liable for all the fraud. Probably part of why they are going downhill. Seems all the places I like the food have zero business skills.
 
That's not true everywhere in the US anymore. I think there only around a dozen states where you can't add credit card surcharges. There was a lawsuit around 10 years ago that ended the blanket restriction by credit card companies.

Yep, SCOTUS pretty much voided almost all of the anti-surcharging laws that existed.

IMO, we're a major retailer or two away from 3-4% fees for card transactions becoming "standard". We're already there for gas stations, after all. I'm honestly surprised the likes of Walmart haven't tried to impose them yet, really, given their documented disdain for Visa and MC.
 
Yep, SCOTUS pretty much voided almost all of the anti-surcharging laws that existed.
It was a class action lawsuit, not SCOTUS.

IMO, we're a major retailer or two away from 3-4% fees for card transactions becoming "standard". We're already there for gas stations, after all. I'm honestly surprised the likes of Walmart haven't tried to impose them yet, really, given their documented disdain for Visa and MC.
I can't imagine. We're not going to reverse course and have everyone start carrying cash again. Morely likely, prices will just be slightly higher for everyone. If we were smart, we'd just get rid of the VISA/MC middle-man and establish a fee-free standard. But "FREEDOM!!!" (aka lobbying). There's no sane reason to allow a third-party to take a percentage of every transaction when a network already exists (the internet).
 
How does CVS's behavior fit with your theory? Does it make sense? CVS adopted Apple Pay, but they didn't lower their prescription prices?

Sounds like your theory doesn't fit at all.


What cuteness is that? How do you know what anyone is thinking? Did anyone actually say that they think stores are closing? Did anyone anywhere report that "stores are closing because they don't use it"? Nope.

I said that the lack of Apple Pay increases friction for users of that service, and some customers would go elsewhere. I said that the lack of Apple Pay would have an impact on the bottom line of Target and CVS stores. The behavior of those chains is consistent with that thinking: they added Apple Pay.
Regarding CVS, I’m only responding to the ridiculous notion that stores closed because of no Apple Pay. And yes, someone did say stores closed near them and equated that to not having Apple Pay, hence my reply 🙄
 
I hate the Walmart, Kroger, and Home Depot refuse to take any contactless payments. Walmart and Kroger are using their own “pay” systems to track everything their customers purchase. Home Depot took contactless payments at one point and then disabled them. Walmart is also scummy because they do take contactless payments in Canada.

Honestly credit card companies should require these companies take contactless payments just like they mandated the change to using the chip cards.
37 pages and this is still being talked about in circles. Walmart does offer a contactless payment option. It just isn't the one certain people want to use.
 
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It was a class action lawsuit, not SCOTUS.

SCOTUS ruled that surcharging is legal on First Amendment grounds.

I can't imagine. We're not going to reverse course and have everyone start carrying cash again. Morely likely, prices will just be slightly higher for everyone. If we were smart, we'd just get rid of the VISA/MC middle-man and establish a fee-free standard. But "FREEDOM!!!" (aka lobbying). There's no sane reason to allow a third-party to take a percentage of every transaction when a network already exists (the internet).

Theoretically surcharging for debit cards is still disallowed by card network rules but in my experience, the smaller businesses that do surcharge do so for all card types. One would think that the major retailers (assuming surcharging does become "standard" in this country) would at least follow the rules that do exist.

Anyway, I don't think we'd go back to cash but we'd probably end up more like Europe in that most people end up using debit cards for everything (and CC use is rare/uncommon as a result). From a societal standpoint, this might actually be a good thing since fewer people might get themselves into financial trouble as a result.
 
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