Yes. And whenever I'm skateboarding past an outdoor stand and want to pay without stopping (and apparently not need to actually either tell the clerk what it is I want to order or take what it is I'm purchasing), I'll be sure to you use Visa Pay instead. I hear this is also a great way to pay when:
- jumping off a diving board
- using a trampoline
- skydiving
- riding in a high speed elevator
- riding a train
- needing to pay a merchant who is driving past me at 60mph.
And I bet somewhere in that ad, there's a disclaimer stating that it actually doesn't work like that. And even if it did, then Apple Pay on the same terminal would probably also have that capability. But if it did, then am I going to clock a purchase any time I get near a Visa Pay terminal with a card in my pocket? That would be annoying. Imagine walking around a department store and every time you pass a terminal, you get a false positive.
But having said that, while Apple Pay does have security advantages (not that I'm responsible for illegal use of my credit card info anyway), until it's ubiquitous and available in small retailers as well as the big chains, it still means that one has to carry credit cards around anyway, so it's not going to thin my wallet. Also, I doubt it will ever be usable at an ATM, so I still need to carry my debit card. In the video, it really wasn't faster than swiping the credit card and in some stores I shop in, the terminals ask if you want to donate money and if you want cash back and I suspect they're still going to do that, which will not save time. If they're giving you a printed receipt, I'm going to take my wallet out of my pocket to put the receipt in anyway. So as far as I'm concerned, it's "nice to have", but it's certainly not "must have".
That's great. So what this is doing is merely transferring your credit card information (number, name, etc) using RFID instead of the magnetic strip. This still requires a card (which can be stolen) and transfers your information, most likely in plain text, or easily decrypted form to the terminal. What people are not "getting" is the new security in ApplePay. This uses tokens so no personal information is transmitted to the POS system and it requires your fingerprint. This means that someone, even if they stole your phone, still couldn't access your information.
These readers are still (if not more) susceptible to external readers that can grab your information. Your information is still being transmitted to retailers to be stored in a database that can be hacked.
For the *very common* use case of drinking a latte while skateboarding in a skate park... this may be fine. For every other normal use case, this is dumb. I still need to carry multiple freaking plastic cards!!! Don't you see I want to get away from carrying a wallet? I always have my iPhone. With ApplePay, I don't need to carry something else.
Another thought... what happens if I lose my PayWave card? Oh yeah, that's right... someone else can use it and I can't find it... ApplePay... I can find my iPhone and disable it at anytime. Again, this PayWave is a dumb comparison.
Oh yeah, and how the ____ did the clerk know what these people wanted to drink? Uh... duh?
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I too don't understand the point of tapping the terminal; it shouldn't be necessary. I'm guessing this is holdover behavior from users that were required to tap the terminal with previous NFC incarnations.
I can see a receipt for fast-food: it typically has an order number on it. But that is a behavior that a user should be able to choose a default for the first instance, receipt or email.
Apple is probably working a way to do that where you don't have to give your email to McDonald's or wherever you are. This is obviously an area for improvement, but giving out my email address is not the solution I want. I can wait for a private way to get receipts. Paper will work in the mean time.
It seems simple enough but it really doesn't seem any easier than pulling out a card from my wallet. Of course, security is another matter but since I don't have to pay a penny for my card being used fraudulently who cares? I will say it definitely looks better than anything I have seen on Android. I think it will probably be more convenient with the Apple Watch.
That being said, I will be merciless with the snarky comments the first time I am in line behind an Apple Pay user and it isn't working.
I had this card, and I loved it. It did only have a £15 cap on a contact less payment though. Anything more and a pin was needed. Properly can't wait for ApplePay to hit the UK.
Yes. And whenever I'm skateboarding past an outdoor stand and want to pay without stopping (and apparently not need to actually either tell the clerk what it is I want to order or take what it is I'm purchasing), I'll be sure to you use Visa Pay instead. I hear this is also a great way to pay when:
- jumping off a diving board
- using a trampoline
- skydiving
- riding in a high speed elevator
- riding a train
- needing to pay a merchant who is driving past me at 60mph.
And I bet somewhere in that ad, there's a disclaimer stating that it actually doesn't work like that. And even if it did, then Apple Pay on the same terminal would probably also have that capability. But if it did, then am I going to clock a purchase any time I get near a Visa Pay terminal with a card in my pocket? That would be annoying. Imagine walking around a department store and every time you pass a terminal, you get a false positive.
But having said that, while Apple Pay does have security advantages (not that I'm responsible for illegal use of my credit card info anyway), until it's ubiquitous and available in small retailers as well as the big chains, it still means that one has to carry credit cards around anyway, so it's not going to thin my wallet. Also, I doubt it will ever be usable at an ATM, so I still need to carry my debit card. In the video, it really wasn't faster than swiping the credit card and in some stores I shop in, the terminals ask if you want to donate money and if you want cash back and I suspect they're still going to do that, which will not save time. If they're giving you a printed receipt, I'm going to take my wallet out of my pocket to put the receipt in anyway. So as far as I'm concerned, it's "nice to have", but it's certainly not "must have".
Just for clarification, that Wave video above was an advertisement using a fictional premise to demonstrate an actual payment system.
Going back a bit, that 1984 ad, the hammer thrower was an actor, and all that stuff going on happened on what's called a "sound stage." Wikipedia might help here.
Worked just fine at Home Depot yesterday, which does have the standard wireless pay symbol but nothing Apple Pay specific showing.
Interestingly, Apple Pay does have an email address associated with my card, and Home Depot does offer to email the receipt to you, but it required typing the address into the terminal manually. I wonder if having "support" for Apply Pay (rather than just generic NFC capability) would ever take advantage of that attribute automatically in some way?
Except it's less secure and inconvenient.. You have to 'load' your Google account with funds.. which is the first killer.. Can't just charge to an existing card... Second, you don't have a way to do it security from lock screen..
With your Android Phone, you need to:
Unlock phone
Open Google Wallet
Unlock Google Wallet
Load Google Wallet if not enough funds 'loaded into Google Wallet Account. If you have money in Google Wallet you can use it and you cannot charge directly to a CC/Debit Card.. must keep funds loaded.. hate that..
Place Android Phone near terminal to complete
The process is klugey / clunky ... and Google keeps a copy of your CC / Debit card info so you can 'load' your Google Wallet with funds. Apple Pay does NOT..
It should also be pointed out that Paypal and many other pay services keep a copy of your account info.. Apple Pay is very unique in that it doesn't need it.. Making it very secure from the 'hacked' account issue we've seen with retailers and online payment services.
Apple Pay:
Place iPhone near terminal
Put finger on Touch ID, Done
Seems Android has some catching up to do........
Well, you got some of this right. Not all. I'm not starting a war here as I know that Apple Pay amazing in what it does. I do think Apple Pay is better and I could not wait for it to come out and love using it.
But....
Quote:
Originally Posted by Adrayven
Except it's less secure and inconvenient.. You have to 'load' your Google account with funds.. which is the first killer.. Can't just charge to an existing card...
Not true. You do not have to "load" your Google account with funds. You can use Google Wallet as normal and it'll charge whatever card you have connected to it. No need to load at all. I've done it hundreds of times. You can choose to have Google Wallet take from funds loaded already on there or straight from the card itself.
Quote:
Originally Posted by Adrayven
Second, you don't have a way to do it security from lock screen..
Not true. You can place your phone by the NFC, it'll wake your phone, open the app for you to put in your pin, pay, leave. Or do it the way I do it and as I'm walking around getting stuff, I'm on my phone anyways doing work, just open the app when no one is around and put my pin and I can skip this step when I pay.
Quote:
Originally Posted by Adrayven
With your Android Phone, you need to:
Unlock phone
Open Google Wallet
Unlock Google Wallet
Load Google Wallet if not enough funds 'loaded into Google Wallet Account. If you have money in Google Wallet you can use it and you cannot charge directly to a CC/Debit Card.. must keep funds loaded.. hate that..
Place Android Phone near terminal to complete
Actually it's more like:
Place phone by NFC, pay and go.
Just like Apple Pay.
That's it. I know as I use all tech including this and have been for a while. It's not as hard as you are making it seem to be.
In fact, I ran a test yesterday with my iPhone 6 Plus and Note 4 with Apple Pay and Google Wallet. Both took the same amount of time to pay and go. Both were just as easy as the other. Both worked extremely well.
Now the Google getting your info. That's on you and the way you think about it. I have no issues with it. The Credit Card companies sell your same info anyways.
Once again, Apple Pay is awesome but you made things up.
Hey, if you want Google to have access to everything about you including all your purchase history... have at it! Just know that you are the sheep and Google has the shears and making a killing off your private information. As for me, I'd rather my information not be kept ANYWHERE. This includes a retail location's servers or by Google in the cloud. I'm sorry, but my credit card information has been hacked too many times by POS magnetic readers (in a taxi in NYC), Target, Home Depot, a Delta airline steward when ordering a drink... what we need is something more secure, not less secure. Follow the money and you'll see where Google is making theirs and it's off you.
Yeah, it's a huge mystery where Google makes their money. You should send the tip into your local news.
Google Wallet is more secure than an NYC taxi card swiper, so I'm not sure what you're going on about there. It is not less secure. Do some research. Do you jump every time someone says "Ebola" too?
Just for clarification, that Wave video above was an advertisement using a fictional premise to demonstrate an actual payment system.
Going back a bit, that 1984 ad, the hammer thrower was an actor, and all that stuff going on happened on what's called a "sound stage." Wikipedia might help here.
Apples and oranges. The 1984 ad did not show anyone actually using a Macintosh. It was about mindset.
The Visa ad pretended to show people actually using the payment system.
Why would they hand you a receipt? Shouldn't there be a tab in PassBook for receiving, viewing, and storying your receipts? Paper receipts are breaking the consumer experience.
So why aren't you crawling into the back of an armored car, with a full background check on the cashier, every time you make a purchase?
If it were up to me, I'd be carrying an AK-47 in my backpack, but unfortunately, that's not legal where I live.
However, credit card theft, credit card fraud and security breaches where millions of card numbers get stolen are quite common place now, and using ?Pay when possible will provide much greater protection compared to those who do not use it, including the 62 people who regularly use Google Wallet or whatever that flop of a failure is called.
Why would they hand you a receipt? Shouldn't there be a tab in PassBook for receiving, viewing, and storying your receipts? Paper receipts are breaking the consumer experience.
That would require some information from you. You'll always get a paper receipt unless they have a email option which you'll still have to type it into the POS or give to the cashier. At this time, no other way around it.
Comments
Apple Pay looks positively cumbersome.
Yes. And whenever I'm skateboarding past an outdoor stand and want to pay without stopping (and apparently not need to actually either tell the clerk what it is I want to order or take what it is I'm purchasing), I'll be sure to you use Visa Pay instead. I hear this is also a great way to pay when:
- jumping off a diving board
- using a trampoline
- skydiving
- riding in a high speed elevator
- riding a train
- needing to pay a merchant who is driving past me at 60mph.
And I bet somewhere in that ad, there's a disclaimer stating that it actually doesn't work like that. And even if it did, then Apple Pay on the same terminal would probably also have that capability. But if it did, then am I going to clock a purchase any time I get near a Visa Pay terminal with a card in my pocket? That would be annoying. Imagine walking around a department store and every time you pass a terminal, you get a false positive.
But having said that, while Apple Pay does have security advantages (not that I'm responsible for illegal use of my credit card info anyway), until it's ubiquitous and available in small retailers as well as the big chains, it still means that one has to carry credit cards around anyway, so it's not going to thin my wallet. Also, I doubt it will ever be usable at an ATM, so I still need to carry my debit card. In the video, it really wasn't faster than swiping the credit card and in some stores I shop in, the terminals ask if you want to donate money and if you want cash back and I suspect they're still going to do that, which will not save time. If they're giving you a printed receipt, I'm going to take my wallet out of my pocket to put the receipt in anyway. So as far as I'm concerned, it's "nice to have", but it's certainly not "must have".
Apple Pay looks positively cumbersome.
That's great. So what this is doing is merely transferring your credit card information (number, name, etc) using RFID instead of the magnetic strip. This still requires a card (which can be stolen) and transfers your information, most likely in plain text, or easily decrypted form to the terminal. What people are not "getting" is the new security in ApplePay. This uses tokens so no personal information is transmitted to the POS system and it requires your fingerprint. This means that someone, even if they stole your phone, still couldn't access your information.
These readers are still (if not more) susceptible to external readers that can grab your information. Your information is still being transmitted to retailers to be stored in a database that can be hacked.
For the *very common* use case of drinking a latte while skateboarding in a skate park... this may be fine. For every other normal use case, this is dumb. I still need to carry multiple freaking plastic cards!!! Don't you see I want to get away from carrying a wallet? I always have my iPhone. With ApplePay, I don't need to carry something else.
Another thought... what happens if I lose my PayWave card? Oh yeah, that's right... someone else can use it and I can't find it... ApplePay... I can find my iPhone and disable it at anytime. Again, this PayWave is a dumb comparison.
Oh yeah, and how the ____ did the clerk know what these people wanted to drink? Uh... duh?
Also...I just noticed that the article said that it took longer for the employee to hand the receipt than it took for ApplePay to execute the transaction...receipt? Why not email the receipt?
I too don't understand the point of tapping the terminal; it shouldn't be necessary. I'm guessing this is holdover behavior from users that were required to tap the terminal with previous NFC incarnations.
I can see a receipt for fast-food: it typically has an order number on it. But that is a behavior that a user should be able to choose a default for the first instance, receipt or email.
Apple is probably working a way to do that where you don't have to give your email to McDonald's or wherever you are. This is obviously an area for improvement, but giving out my email address is not the solution I want. I can wait for a private way to get receipts. Paper will work in the mean time.
It seems simple enough but it really doesn't seem any easier than pulling out a card from my wallet. Of course, security is another matter but since I don't have to pay a penny for my card being used fraudulently who cares? I will say it definitely looks better than anything I have seen on Android. I think it will probably be more convenient with the Apple Watch.
That being said, I will be merciless with the snarky comments the first time I am in line behind an Apple Pay user and it isn't working.
-kpluck
I had this card, and I loved it. It did only have a £15 cap on a contact less payment though. Anything more and a pin was needed. Properly can't wait for ApplePay to hit the UK.
Yes. And whenever I'm skateboarding past an outdoor stand and want to pay without stopping (and apparently not need to actually either tell the clerk what it is I want to order or take what it is I'm purchasing), I'll be sure to you use Visa Pay instead. I hear this is also a great way to pay when:
- jumping off a diving board
- using a trampoline
- skydiving
- riding in a high speed elevator
- riding a train
- needing to pay a merchant who is driving past me at 60mph.
And I bet somewhere in that ad, there's a disclaimer stating that it actually doesn't work like that. And even if it did, then Apple Pay on the same terminal would probably also have that capability. But if it did, then am I going to clock a purchase any time I get near a Visa Pay terminal with a card in my pocket? That would be annoying. Imagine walking around a department store and every time you pass a terminal, you get a false positive.
But having said that, while Apple Pay does have security advantages (not that I'm responsible for illegal use of my credit card info anyway), until it's ubiquitous and available in small retailers as well as the big chains, it still means that one has to carry credit cards around anyway, so it's not going to thin my wallet. Also, I doubt it will ever be usable at an ATM, so I still need to carry my debit card. In the video, it really wasn't faster than swiping the credit card and in some stores I shop in, the terminals ask if you want to donate money and if you want cash back and I suspect they're still going to do that, which will not save time. If they're giving you a printed receipt, I'm going to take my wallet out of my pocket to put the receipt in anyway. So as far as I'm concerned, it's "nice to have", but it's certainly not "must have".
Just for clarification, that Wave video above was an advertisement using a fictional premise to demonstrate an actual payment system.
Going back a bit, that 1984 ad, the hammer thrower was an actor, and all that stuff going on happened on what's called a "sound stage." Wikipedia might help here.
Why are there pathetic shills pushing and spamming insecure, laughable, inferior and dangerous payment systems made for bums here?
You're on the wrong forum bud.
Except it's less secure and inconvenient.. You have to 'load' your Google account with funds.. which is the first killer.. Can't just charge to an existing card... Second, you don't have a way to do it security from lock screen..
With your Android Phone, you need to:
The process is klugey / clunky ... and Google keeps a copy of your CC / Debit card info so you can 'load' your Google Wallet with funds. Apple Pay does NOT..
It should also be pointed out that Paypal and many other pay services keep a copy of your account info.. Apple Pay is very unique in that it doesn't need it.. Making it very secure from the 'hacked' account issue we've seen with retailers and online payment services.
Apple Pay:
Seems Android has some catching up to do........
Well, you got some of this right. Not all. I'm not starting a war here as I know that Apple Pay amazing in what it does. I do think Apple Pay is better and I could not wait for it to come out and love using it.
But....
Quote:
Except it's less secure and inconvenient.. You have to 'load' your Google account with funds.. which is the first killer.. Can't just charge to an existing card...
Not true. You do not have to "load" your Google account with funds. You can use Google Wallet as normal and it'll charge whatever card you have connected to it. No need to load at all. I've done it hundreds of times. You can choose to have Google Wallet take from funds loaded already on there or straight from the card itself.
Quote:
Second, you don't have a way to do it security from lock screen..
Not true. You can place your phone by the NFC, it'll wake your phone, open the app for you to put in your pin, pay, leave. Or do it the way I do it and as I'm walking around getting stuff, I'm on my phone anyways doing work, just open the app when no one is around and put my pin and I can skip this step when I pay.
Quote:
With your Android Phone, you need to:
Actually it's more like:
Just like Apple Pay.
That's it. I know as I use all tech including this and have been for a while. It's not as hard as you are making it seem to be.
In fact, I ran a test yesterday with my iPhone 6 Plus and Note 4 with Apple Pay and Google Wallet. Both took the same amount of time to pay and go. Both were just as easy as the other. Both worked extremely well.
Now the Google getting your info. That's on you and the way you think about it. I have no issues with it. The Credit Card companies sell your same info anyways.
Once again, Apple Pay is awesome but you made things up.
Hey, if you want Google to have access to everything about you including all your purchase history... have at it! Just know that you are the sheep and Google has the shears and making a killing off your private information. As for me, I'd rather my information not be kept ANYWHERE. This includes a retail location's servers or by Google in the cloud. I'm sorry, but my credit card information has been hacked too many times by POS magnetic readers (in a taxi in NYC), Target, Home Depot, a Delta airline steward when ordering a drink... what we need is something more secure, not less secure. Follow the money and you'll see where Google is making theirs and it's off you.
Yeah, it's a huge mystery where Google makes their money. You should send the tip into your local news.
Google Wallet is more secure than an NYC taxi card swiper, so I'm not sure what you're going on about there. It is not less secure. Do some research. Do you jump every time someone says "Ebola" too?
Why are there pathetic shills pushing and spamming insecure, laughable, inferior and dangerous payment systems made for bums here?
You're on the wrong forum bud.
Stereotypes abound. It's the bums vs. the simpletons, amirite?
Do you jump every time someone says "Ebola" too?
Google is as reliable as Obama claiming that the chances of Ebola reaching the US was unlikely. In other words, they both can not be trusted.
Just for clarification, that Wave video above was an advertisement using a fictional premise to demonstrate an actual payment system.
Going back a bit, that 1984 ad, the hammer thrower was an actor, and all that stuff going on happened on what's called a "sound stage." Wikipedia might help here.
Apples and oranges. The 1984 ad did not show anyone actually using a Macintosh. It was about mindset.
The Visa ad pretended to show people actually using the payment system.
Wikipedia has nothing to do with it.
Stereotypes abound. It's the bums vs. the simpletons, amirite?
There's no doubt that ?Pay is far more secure than whatever Google has been offering, and security is what is most important in a payment system.
security is what is most important in a payment system.
So why aren't you crawling into the back of an armored car, with a full background check on the cashier, every time you make a purchase?
THAT was weird and defeating the purpose...
security is what is most important in a payment system.
So why aren't you crawling into the back of an armored car, with a full background check on the cashier, every time you make a purchase?
At this point, you may be starting to embarrass other Android users (if that's even possible).... Stop.
So why aren't you crawling into the back of an armored car, with a full background check on the cashier, every time you make a purchase?
If it were up to me, I'd be carrying an AK-47 in my backpack, but unfortunately, that's not legal where I live.
However, credit card theft, credit card fraud and security breaches where millions of card numbers get stolen are quite common place now, and using ?Pay when possible will provide much greater protection compared to those who do not use it, including the 62 people who regularly use Google Wallet or whatever that flop of a failure is called.
Why would they hand you a receipt? Shouldn't there be a tab in PassBook for receiving, viewing, and storying your receipts? Paper receipts are breaking the consumer experience.
That would require some information from you. You'll always get a paper receipt unless they have a email option which you'll still have to type it into the POS or give to the cashier. At this time, no other way around it.