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Yes he does. They want you to use their app to pay everytime you enter the store.

And store my actual credit card info on their servers? no thank you. Besides, that response just shows that they really have no reason to refuse to accept contactless other than them being stubborn on wanting people to use their app, which is far from a good reason.
 
The problem is that Zelle is only for person to person transfers. FedNow, if it’s anything like what has existed for years in the rest of the world, likely also allows instant transfers to/from business bank accounts, which companies will prefer to use over ach which takes 1-3 days. That will prevent FedNow from failing completely.
Zelle works for business accounts at some banks (like Chase), but only if the person sending you money is using a bank that natively supports Zelle within their own app (IOW, can’t use the Zelle app with a debit card).
 
If a supermarket in the UK didn’t accept contactless payments like Apple Pay (they all do), I wouldn’t bother going there. Still boggles my mind a country like America has retailers this far behind.

It is a common thought that all businesses in developed countries accept card payments.

Some businesses in other developed countries, if you do not include the USA, do not like to accept card payments but accept only cash payment.

This is common in Germany, Austria, Switzerland, Spain, Portugal, and Japan. In these developed countries, there are businesses that accept only cash payment. These businesses decided not to accept card payments.
 
It is a common thought that all businesses in developed countries accept card payments.

Some businesses in other developed countries, if you do not include the USA, do not like to accept card payments but accept only cash payment.

This is common in Germany, Austria, Switzerland, Spain, Portugal, and Japan. In these developed countries, there are businesses that accept only cash payment. These businesses decided not to accept card payments pay processing fees.
FTFY.
 

Walmart stores of USA still refuse customer demands for Apple Pay and NFC contactless payments.

I wonder how the Walmart employees in USA will have to deal with customer complaints on Apple Pay and other NFC contactless payments for many years to come as other major retailers in USA accept such payments as Walmart is the last holdout.
 
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Walmart stores of USA still refuse customer demands for Apple Pay and NFC contactless payments.

I wonder how the Walmart employees in USA will have to deal with customer complaints on Apple Pay and other NFC contactless payments for many years to come as other major retailers in USA accept such payments as Walmart is the last holdout.
It looks like walmart would rather die than accept apple pay and contactless.
 

Walmart stores of USA still refuse customer demands for Apple Pay and NFC contactless payments.

I wonder how the Walmart employees in USA will have to deal with customer complaints on Apple Pay and other NFC contactless payments for many years to come as other major retailers in USA accept such payments as Walmart is the last holdout.

Have you actually been to Walmart?

There’s one just a couple miles from my house.

There’s basically two kinds of shoppers there - those looking for the cheapest items possible, and those who chose it because of convenience - it has a pretty good grocery department, and is located in a great spot. (The store was built in the 80s when much of the land just west of it was still farmland, but now it’s smack in the middle of a nice suburban area).

Neither of these people would make a big fuss about Apple Pay.

Walmart’s competitiveness is driven by other factors. They’re cheaper than most anybody else, and they carry a surprisingly good selection of products (especially if you are primarily using them for groceries).
 
To this UK reader it just seems a little odd that the land that brought us Apple has such a large destination that won't accept Apple Pay. I just spent a month in France without ever using cash or cards and they were slower than the UK to use AP. I also heard that the US was slow to accept chip and pin but don't know if that's true.
 
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To this UK reader it just seems a little odd that the land that brought us Apple has such a large destination that won't accept Apple Pay. I just spent a month in France without ever using cash or cards and they were slower than the UK to use AP. I also heard that the US was slow to accept chip and pin but don't know if that's true.
I’m English, can confirm - I was confused when I moved here and not only was chip and PIN not a thing, not only did it take forever to be a thing, but also “bringing a little payment gizmo to your table so your card never leaves your sight” isn’t super common still. Tap to pay is catching on but it seems far more prevalent in the UK.
 
I’m English, can confirm - I was confused when I moved here and not only was chip and PIN not a thing, not only did it take forever to be a thing, but also “bringing a little payment gizmo to your table so your card never leaves your sight” isn’t super common still. Tap to pay is catching on but it seems far more prevalent in the UK.
Thanks for confirming! France has really jumped forward in the last few years. I used to see men in their 30s paying for a few coffees with a cheque book! The other thing is 5G is everywhere across France within just a year. The UK meanwhile seems stuck on this and full fibre. It’s ease of payment with Google Pay and Apple Pay that just work so well here now.
 
Have you actually been to Walmart?

There’s one just a couple miles from my house.

There’s basically two kinds of shoppers there - those looking for the cheapest items possible, and those who chose it because of convenience - it has a pretty good grocery department, and is located in a great spot. (The store was built in the 80s when much of the land just west of it was still farmland, but now it’s smack in the middle of a nice suburban area).

Neither of these people would make a big fuss about Apple Pay.

Walmart’s competitiveness is driven by other factors. They’re cheaper than most anybody else, and they carry a surprisingly good selection of products (especially if you are primarily using them for groceries).
Apple Pay/contactless has never been a factor for anyone to choose where they shop. That’s why customer demand for contactless has never been a factor to get any merchant to turn it on due to loss of customers.
 
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To this UK reader it just seems a little odd that the land that brought us Apple has such a large destination that won't accept Apple Pay. I just spent a month in France without ever using cash or cards and they were slower than the UK to use AP. I also heard that the US was slow to accept chip and pin but don't know if that's true.
It is true. In fact, although the US did migrate to chip they haven’t fully adopted the use of PIN (they use it on debit cards, but not at all on credit cards) and likely never will.
 
I’m English, can confirm - I was confused when I moved here and not only was chip and PIN not a thing, not only did it take forever to be a thing, but also “bringing a little payment gizmo to your table so your card never leaves your sight” isn’t super common still. Tap to pay is catching on but it seems far more prevalent in the UK.
It sure looks like americans will never, ever, use pin on credit cards. They simply refuse to make that change and still only use pin on debit cards.
 
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To this UK reader it just seems a little odd that the land that brought us Apple has such a large destination that won't accept Apple Pay. I just spent a month in France without ever using cash or cards and they were slower than the UK to use AP. I also heard that the US was slow to accept chip and pin but don't know if that's true.

Did you visit Germany?

I recently visited Germany in August. Most small businesses, even in big cities, there are cash only. So, I was not able to use card payment or Apple Pay and other NFC contactless payments.

In Europe, if businesses accept card payment, then they also accept Apple Pay and other NFC contactless payments. I guess there are some countries in Europe that will stay dominant in cash payment.

This is definitely not a problem in USA.
 
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It’s all fascinating and shows something of the national psyche. I can’t remember the last time I left the house with cash or cards!
 
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Even the vending machines where I am in Scotland take contactless, including Apple Pay. Sooo much more secure than cash and signature-matching a physical credit card, and even more secure than chip and pin. When contactless came out in the UK I thought it would be a security disaster, but it has been fine so far because most mobile phones offer biometric ID functions. I wonder what the relative fraud rates are for credit cards in the US versus the UK....
 
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Did you visit Germany?

I recently visited Germany in August. Most small businesses, even in big cities, there are cash only. So, I was not able to use card payment or Apple Pay and other NFC contactless payments.

In Europe, if businesses accept card payment, then they also accept Apple Pay and other NFC contactless payments. I guess there are some countries in Europe that will stay dominant in cash payment.

This is definitely not a problem in USA.
The cash thing in Germany I believe has something to do with privacy and tax evasion. The same happens in Mexico: there are still lots of small businesses that are cash only.

And like the US, Mexico too still has places where they take card payment but not contactless and apple pay (including some of the same that do it or used to do it in the US such as Walmart and Home Depot).
 
Even the vending machines where I am in Scotland take contactless, including Apple Pay. Sooo much more secure than cash and signature-matching a physical credit card, and even more secure than chip and pin. When contactless came out in the UK I thought it would be a security disaster, but it has been fine so far because most mobile phones offer biometric ID functions. I wonder what the relative fraud rates are for credit cards in the US versus the UK....
I believe the fraud rates in the US must be very very low since they still haven’t fully implemented chip and pin (they have it on debit cards, but not on credit cards), and people aren’t worried about their cards still being taken out of their sight at sit down restaurants (in fact some americans have said in these very forums that they want that to continue and find it unacceptable to have a card reader brought to their table).
 
Apple Pay/contactless has never been a factor for anyone to choose where they shop. That’s why customer demand for contactless has never been a factor to get any merchant to turn it on due to loss of customers.
Wrong. I switched to United instead of HEB when United turned on Contactless. I switched to Walgreens, instead of CVS, when CVS turned contactless off. I switched to Lowes, instead of Home Depot, when Lowes enabled it. I switched from Wal-Mart to Target for a lot of things when Target enabled it. I'm sure I'm not the only one either.
 
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Wrong. I switched to United instead of HEB when United turned on Contactless. I switched to Walgreens, instead of CVS, when CVS turned contactless off. I switched to Lowes, instead of Home Depot, when Lowes enabled it. I switched from Wal-Mart to Target for a lot of things when Target enabled it. I'm sure I'm not the only one either.

I don't think anyone's denying that Apple Pay support is a factor in some people's shopping, just that it might not be enough people doing so to make a difference.
 
Wrong. I switched to United instead of HEB when United turned on Contactless. I switched to Walgreens, instead of CVS, when CVS turned contactless off. I switched to Lowes, instead of Home Depot, when Lowes enabled it. I switched from Wal-Mart to Target for a lot of things when Target enabled it. I'm sure I'm not the only one either.

For Walmart stores in USA to be the last holdout major retailer in USA for Apple Pay and tap to pay, I expect their employees have stress to deal with customer complaints on Apple Pay and tap to pay everyday.

Since Walmart said recently that they still will not do it, expect this stress to continue for a long time on Walmart employees in USA with the same customer complaints to continue as most Walmart customers in USA do not know about Walmart Pay and Scan and Go.
 
Wrong. I switched to United instead of HEB when United turned on Contactless. I switched to Walgreens, instead of CVS, when CVS turned contactless off. I switched to Lowes, instead of Home Depot, when Lowes enabled it. I switched from Wal-Mart to Target for a lot of things when Target enabled it. I'm sure I'm not the only one either.
I’m sure you’re not the only one, but you’re still part of a very tiny minority. Most people couldn’t care less whether a store takes contactless or not, which is why Walmart can refuse to turn it on and face practically no consequence.
 
I’m sure you’re not the only one, but you’re still part of a very tiny minority. Most people couldn’t care less whether a store takes contactless or not, which is why Walmart can refuse to turn it on and face practically no consequence.
Does this include young people. Truly, I don't see kids using cash in the UK. How can the US be at the forefront of tech and people not want to be using what's available on their phones?
 
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