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?
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Walmart Still Doesn't Accept Apple Pay in U.S. Despite Many Customer Requests
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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
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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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.
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.
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.
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.
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.
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.
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
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.
Honestly credit card companies should require these companies take contactless payments just like they mandated the change to using the chip cards.
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.
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.
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.
It was a class action lawsuit, not SCOTUS.
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).
Good for you? That still doesn’t change the fact that an app is not required to shop 🙄
Right? Imagine that, people not caring about Apple Pay enough to not shop at Walmart.
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 🙄
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.
SCOTUS ruled that surcharging is legal on First Amendment grounds.
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.
My mistake. I was referring to the anti-surcharging provisions in VISA/MC contracts. They were eliminated after a class action back in 2013. But you were talking about anti-surcharging laws.
However, your source points out that SCOTUS did NOT rule that surcharging is legal. They simply remanded the decision to the second circuit.