People just avoid them, not moan about it. Not everybody carries a wallet with cards in 2022 and rarely carry cash. There’s just no need in a contactless age where everything pretty much can be paid with from a watch or smartphone.
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Walmart Still Doesn't Accept Apple Pay in U.S. Despite Many Customer Requests
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People just avoid them, not moan about it. Not everybody carries a wallet with cards in 2022 and rarely carry cash. There’s just no need in a contactless age where everything pretty much can be paid with from a watch or smartphone.
I don't really agree with this assessment. Then again, the US still significantly lags other places in contactless adoption, so it's still a pretty bad idea not to carry a wallet here. (Fortunately, if you have a physical card you're likely okay. At lease these days you'd have to look pretty hard to find a place that doesn't take cards at all, even if you were willing to pay extra for doing so.)
absolutely no need for me. My driving licence is digital everywhere takes contactless must be **** living in the third world.
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Here I thought my Burgman 400 had a big tank for a scooter, what the heck are you riding?
I was speaking from a European perspective to be honest but I rarely carry cards with me and it’s been like that for about 6 years now.
That’s one thing we are yet to adopt but it’s months away apparently. I rarely carry my driving license to be fair as I don’t often need it. If I think I might need some ID I will stick it in my pocket but I can’t remember the last time I did that.
Yamaha TMax 500Here I thought my Burgman 400 had a big tank for a scooter, what the heck are you riding?
I suited up for the 180 mile ride home because it was cold....in the 30s going over Savage Mountain.
Here are some more transactions for people to track if they so desire.
I hope you use this info irresponsibly and for some incomprehensible evil purpose.
I hope you use this info irresponsibly and for some incomprehensible evil purpose.
How can a retail store accept or not accept Apple Pay? This is all handled by the bank, not by the retailer. The POS treats the phone or watch exactly the same as it treats a regular contactless debit/credit card. It just receives an encrypted data package and forwards it to the bank, and the bank does the rest. It's completely transparent for both the POS device and the cashier.
Over here, as soon as my bank implemented Apple Pay, I was instantly able to use it at each and every POS in the country. Retailers had absolutely no say in the matter, nor did they care. To them it was just like a normal card. As long as the POS beeped and the transaction went through, they were happy.
What's different in the US? How can Walmart accept cards but deny Apple Pay? I must be missing something.
Over here, as soon as my bank implemented Apple Pay, I was instantly able to use it at each and every POS in the country. Retailers had absolutely no say in the matter, nor did they care. To them it was just like a normal card. As long as the POS beeped and the transaction went through, they were happy.
What's different in the US? How can Walmart accept cards but deny Apple Pay? I must be missing something.
My understanding is here in the US using Apple Pay incurs an additional fee on the merchant above and beyond the standard credit card fee, and for this reason some retailers refuse to accept it. I was at a store recently where they would take Apple Pay if it was tied to a debit card, but not a credit card. I assume that was because debit card fees are less than credit card fees, so the total was less or equal to a straight credit card.
Yeah, I get why they may not like it, but how can they technically block it? Neither the POS nor the merchant's bank knows what kind of card you're using; they don't even know the card number (even Apple itself doesn't know it). The only one who knows what kind of card it is is your bank, and your bank doesn't give this information back to the POS; it only says "approved" if you have enough money, or "rejected" if you don't.
I don't doubt that it's happening, but I'm surprised that it's technically possible. I must be missing something about how these things work internally.
interesting
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The POS systems give merchants a lot of control over what and how transactions are processed (POS manufacturers compete for customers like everyone else). As one example, a local liquor store near me had a POS system where the customer could key in a credit card number directly. After a number of cases where a stolen number was entered, he was able to disable that "feature" in the POS system. POS systems can even do things like accept Visa and not Mastercard or vice versa, although I don't think anyone actually turns that on.
Walmart doesn't let you tap your physical card either, just insert it. They're not doing anything to specifically block Apple Pay.
Outside of some pretty specific scenarios (e.g. with debit card routing), it's supposed to cost the merchant the same regardless of whether a card is inserted or tapped.
Ah, I see. Then it makes sense. 👍
Over here you'd be extremely hard-pressed to find a POS without the contactless feature. I think it's been at least six or seven years since I last saw one. That's why Apple Pay worked everywhere as soon as the banks implemented it.
Now I get it. Thanks.
Retailer can choose to buy and configure NFC terminals, or not.
No NFC, no Apple Pay.
I can't remember the last time I carried cash, I seem to use Apple Pay all the time. I carry one debit card just in case but really haven't needed it.
Circle K pumps accept card tap but no Apple Pay, you have to go inside to use Apple Pay.
Walmart Pay doesn't bother me because it makes returns very easy.
Walmart Pay doesn't bother me because it makes returns very easy.
I can't remember the last time I didn't carry cash.
I never carry a debit card though.
Why don't you carry a card? I'm not criticising, just curious. Do you pay cash for everything and larger purchases use a credit card?
Edit, just noticed your post above, seems like you use Apple Pay for most things.
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Because I would never use it, so why carry it? A debit card is too much risk.
"Do you pay cash for everything and larger purchases use a credit card?"
I use credit card whenever possible. Usually via my phone. I carry cash because you never know when you might need cash.
I don't like to leave the house without at least $150 or so in cash. I keep $100 in my phone case for emergency purposes and $50-$60 in my wallet.
That is correct.
Merchants can accept or not accept contactless payments, that’s what it is. At least in the US the merchant can still disable the contactless reader of the POS if they choose to do so. By doing that, they would be effectively banning everything that works by tapping all the way down to contactless cards, not only Apple Pay. And several merchants such as Walmart, Home Depot, HEB or Kroger are doing exactly that.
No that’s not why. That’s a myth. Merchants don’t pay any additional fees for taking apple pay. If that were the case, apple pay wouldn’t work outside the countries where it is officially supported, which it does.
The only reason those retailers refuse to accept Apple Pay is because they can’t harvest customer information out of it like they can out of a physical card. And since they can’t specifically block Apple Pay, or at least they can’t easily, they simply disable contactless payments altogether.
They can’t. They just turn off the contactless readers on their POS devices. That makes it impossible to use anything that works by tapping all the way down to contactless cards, forcing everyone to use chip by inserting a card instead.
But they do shut off the contactless readers, forcing everyone to use a physical card by inserting in the chip reader.