Ah. So, 75% of Android users can use Google Wallet, they just can't use it. Presumably, they can enter credit card info...but they just can't actually pay for things at a NFS terminal.
Got it.
<p style="color:rgb(51,51,51);margin-bottom:11.326px;">And, a month from now, I'd bet, far less used than Apple Pay as well.</p>
So NOW you believe what I've written rather than those other sources you've been relying on.
Ah. So, 75% of Android users can use Google Wallet, they just can't use it. Presumably, they can enter credit card info...but they just can't actually pay for things at a NFS terminal.
He goes on. The fact is, Google Wallet is like many other Android software and hardware features - they sound cool in an ad, but they're so full of fragmentation and implementation gotchas, that even techies just can't seem to make them work. And so, to be brutally honest, no one other than hardcore Fandroid geeks even try to.
Less security, less privacy, less ease of use than Apple Pay.
And, a month from now, I'd bet, far less used than Apple Pay as well.
All new Android phones have the ability to use tap to pay Google Wallet and most phones sold last year. So it's not that big of a deal. How many iPhone 5S/5/4S/4 phones can do Apple Pay with the phone right now?
That story you posted can go for anyone using any new tech. Just how many times do you think people will get the same reaction when they use Apple Pay for the first time in a retailer for the first time? A lot. That's how many. I have a story that has the opposite experience.
Quote:
Making a purchase with Apple Pay:
I was successful withone of three attempts at McDonald's. I even tried using Apple Pay without a case and with a Griffin Survivor rugged case to see if a case impacted the ability to make a successful purchase. Honestly, I don't know why only one purchase worked since I had the iPhone Touch ID activated and it was touching the pay terminal sensor.
The cashier was familiar with Apple Pay and asked me about my iPhone 6 Plus. She let me try making the transaction a few times and was patient with my attempts.
Making a purchase with Google Wallet:
Google Wallet worked every single time without any hesitation at all, which matches all of my experiences over the last year when carriers stopped restricting things for the most part.
The transaction was quick and easy with a summary receipt appearing on the Android device after the purchase was made.
So, as you can see. In this case, Apple Pay only worked 33% of the time whereas Google Wallet worked 100% of the time. There will be ton's of people having issues using Apple Pay as well. I'm already getting many text messages from friends asking why it's not working properly.
This is new. This will grow. Be happy with what you have and don't worry about what others have. I happen to use all tech so I have a well rounded understanding of how things work in real world use. Apple Pay is fantastic and I'm excited finally came out with this as I believe it's the future. I also use Apple Pay and, for me, works just as well and just as fast as my Google Wallet.
You’re in a store, like Target, that utilizes Apple Pay. Via GPS or iBeacon technology in the store’s app, your device knows you’re there. Apple Pay and the store have worked out a deal wherein you save 5% on an item or brand when you use Apple Pay to check out. You get a pop-up notification, and go on with your shopping experience, knowing you’ll save 5% off the item(s) for using your phone.
The loyalty program is said to rely on iAds, Apple’s mobile ad network. That’s where the brand discount comes into play in the scenario listed above. A brand uses iAds, and you get notified of the deal when you’re out and about — which may entice you to buy the goods listed in the pop-up notification. It’s a new digital advertising frontier.
Apparently Apple was going to roll this out in 2015, but the stores are apparently pushing them to roll it out for this holiday season.
I forget - where does Google make all of its profits from? Oh, yeah - advertising.
This is probably a really stupid question so please forgive me. If a store accepts wireless payments but isn't on the list of supported stores BUT you have your credit card in Apple Pay, can you use it there?
That is not a stupid question at all, mostly because there is so much misinformation being spread like that from another person who replied to you.
You CAN use Apple Pay as long as the retailer supports NFC-based payments. They do NOT have to be on Apple's list. I know this because I used it at two places yesterday and another one today that I know support NFC but were not mentioned by Apple, and everything worked perfectly fine.
My bank/debit card is not yet supported, but luckily I can funnel everything through my Capital One credit card. That is the only rub, your bank must support Apple Pay directly. The retailer, not so much.
So, as you can see. In this case, Apple Pay only worked 33% of the time whereas Google Wallet worked 100% of the time. There will be ton's of people having issues using Apple Pay as well. I'm already getting many text messages from friends asking why it's not working properly.
When you’re ready to pay at a store with a contactless terminal, you hold your iPhone close to the device. The Apple Pay interface opens and shows the credit card you have set as the default. You can then change cards or just put your finger on the fingerprint reader to complete the purchase.
It’s wildly simple, although the process might be slightly different depending on what store you’re in.
Perfect? Of course not - she had trouble with online third-party shopping apps that incorporated Apple Pay. But where Apple was able to control the whole experience, it was "wildly simple". I don't think I've ever heard a tech columnist use a descriptor like that for Google Wallet.
By the way, I am happy with what I have...or, more accurately, what I will have when I ditch my company-issued BB and pick up my first iPhone this fall - (as soon as someone has one to sell!) I just object to the usual Fandroid crowd downplaying Apple Pay because "Android users have had this for years"; in fact, only a minority of Android users have had a capability anywhere close to this, and only a tiny slice of them have found it user-friendly enough to actually use.
But hey - to that miniscule group, I say "cheers!"
Ah. So, 75% of Android users can use Google Wallet, they just can't use it. Presumably, they can enter credit card info...but they just can't actually pay for things at a NFS terminal.
Got it.
Actually, no you don't got it. Like ApplePay, the tap and go feature of Google Wallet has a limited release area, so you can't take wild guesses like you have done.
Perfect? Of course not - she had trouble with online third-party shopping apps that incorporated Apple Pay. But where Apple was able to control the whole experience, it was "wildly simple". I don't think I've ever heard a tech columnist use a descriptor like that for Google Wallet.
By the way, I am happy with what I have...or, more accurately, what I will have when I ditch my company-issued BB and pick up my first iPhone this fall - (as soon as someone has one to sell!) I just object to the usual Fandroid crowd downplaying Apple Pay because "Android users have had this for years"; in fact, only a minority of Android users have had a capability anywhere close to this, and only a tiny slice of them have found it user-friendly enough to actually use.
But hey - to that miniscule group, I say "cheers!"
I'll go bottom up with you on this. I agree big time to the objection of some of the Fandroid crowd downplaying Apple Pay because "Android users have had this for years". I strongly dislike those people and call them out on it just as I strongly dislike iSheep or whatever you want to call them and call them out as well. It's wrong on both sides. I have many friends who have both types of phones and they always come to me with questions on how to make their phones better or to fix them. So, I agree with you on this wholeheartedly.
No, Apple Pay is not perfect and many people will have/are having many issues of some sort as Apple does not control the last step. Which is the payment process dealing with cashiers and the NFC POS system. They never will. What Apple does have is Apple Pay that is far better than anything that is out there right now, including Google Wallet. Apple will help with the adoption rate of NFC payments making EVERYTHING better in the long run.
I can go toe to toe with you with stories about who has had a better experience with each of the platforms. I won't. I was just pointing out that one time where the person I quoted showed where someone had a bad experience and I easily found one of the opposite. That's all. You can do that with ANY subject matter.
At this point, you may be starting to embarrass other Android users (if that's even possible).... Stop.
I'm not the one who said security is the most important thing. If security is the most important thing, then Apple ][ must not ever hand a credit card to a server, right?
Well, no, you're not - everyone who appreciates the ?Pay approach said it.
You're the one countering with ludicrous off-point analogies like armored cars...try to follow the flow.
I fundamentally disagree. Google Wallet has moved the mass collection of data from data sets only available to the individual retailers to a "total data set" that Google is attempting to have about all purchasing. It's absolutely terrible. Even if you trust Google, it's a single source of all information. That's essentially a terrible situation.
I understand your concern but think of it like this. When using Wallet or ApplePay the vendor gets a token. Now if you use your CC physically they get your CC number. Now what is better using the tokens or having your CC information in all kind off databases that each can possibly be breached. Just look at the retail breaches there have been lately.
That's kinda my point.
Mel, are you doing any background reading before making some of your recent comments on how Google Wallet works and what the requirements are?
The current version of Google Wallet is compatible with any Google Android phone running 2.3 or higher. That's means essentially all of "em Mel. Like with Apple Pay the other half of the requirement, NFC, may not be part of the device's hardware tho. Note that it's not at all unusual to find three year old Android smartphones with NFC so I'd guess far more smartphones are compatible with Google Wallet than not.
Personally I don't see any reason for the thread to have veered off into a Google discussion in the first place (Waterrockets perhaps), or why so many are seemingly anxious to tie Apple success with Apple Pay into a grudge match with Google Wallet. Quite obviously a rising tide lifts all ships, so the other half+ of the market that uses a different OS will see greater uptake of virtual wallets too. Until Apple came on board there was no big incentive for the providers and retailers to make the necessary changes. With the perfect storm of recent data hacks adding to the advantages now there is.
Apple Pay is a well-timed and thought-out feature. Kudos to Apple for that.
Weird that folks not on Sprint and not using Nexus devices still use Google Wallet. :rolleyes:
Completely agree on the marketing comment tho. Google doesn't have the kind of marketing savvy network that Apple does. That's why until they came around similar services from companies like Google and PayPal were not going to see much success.
You're in a inn outside of Geneva. You are carrying two credit cards -- Amex and Visa. The inn doesn't take Amex and the Visa won't scan.
What do you/they do?
Either pencil-rub or copy the info from the card to a receipt and call it in manually.
So, the ability to scan a card is convenient -- but not absolutely required.
Now, consider how easy it was to enter your cards into iWallet for Apple Pay -- the camera scans the card and captures the data (you manually enter the auth code). Who's to say Apple or some developer can't duplicate that scan and capture capability and just securely store the images of the cards on the phone.
So when you are not able to use Apple Pay, you just pull up the picture of the desired card -- the merchant copies it as if the card wouldn't scan ...
Just as Inconvnient as above, and works just as well (and the merchant doesn't get access to any personal data).
I'm not arguing the convenience. I'm just saying that it will take a long time before we can stop carrying out credit cards with us. And I've only had a problem with scans a few times in my life. It's not something I even think about. And it's always possible that a terminal will misscan NFC as well.
I understand your concern but think of it like this. When using Wallet or ApplePay the vendor gets a token. Now if you use your CC physically they get your CC number. Now what is better using the tokens or having your CC information in all kind off databases that each can possibly be breached. Just look at the retail breaches there have been lately.
That's kinda my point.
The difference is that Google is the go between, Apple isn't. Google processes all of the Wallet transactions, and sees all of the data. Unless you are buying something from Apple, Apple sees nothing, as it doesn't go through them.
I literally said I wasn't out of my way to use this a few posts back. But I was at Foot Locker and used it since nobody was around. didn't have to waive it or anything like the video showed. Just hold it up, put your finger on it, and it was done. Definitely the future of payments, I just hope more places get on board and it becomes more common to use.
The difference is that Google is the go between, Apple isn't. Google processes all of the Wallet transactions, and sees all of the data. Unless you are buying something from Apple, Apple sees nothing, as it doesn't go through them.
I know that is one of the differences. That was not my point. My point was that using tokens (whether via ApplePay or Wallet) is the better alternative as you are not spreading around credit card information to all kind of merchants who all keep it in their own databases that potentially could be breached. As a side note: When using Wallet you of course can always delete your purchasing history.
Just as Inconvnient as above, and works just as well (and the merchant doesn't get access to any personal data).
Honestly I don't mind the retailers having my purchasing history as I am even signed up for mailing lists and I always get coupons for stuff I actually want to buy. I am not so keen on them storing my CC number though. They really don't need that to tailor their marketing to me. The last four digits should suffice.
You're in a inn outside of Geneva. You are carrying two credit cards -- Amex and Visa. The inn doesn't take Amex and the Visa won't scan.
What do you/they do?
Either pencil-rub or copy the info from the card to a receipt and call it in manually.
So, the ability to scan a card is convenient -- but not absolutely required.
Now, consider how easy it was to enter your cards into iWallet for Apple Pay -- the camera scans the card and captures the data (you manually enter the auth code). Who's to say Apple or some developer can't duplicate that scan and capture capability and just securely store the images of the cards on the phone.
So when you are not able to use Apple Pay, you just pull up the picture of the desired card -- the merchant copies it as if the card wouldn't scan ...
Just as Inconvnient as above, and works just as well (and the merchant doesn't get access to any personal data).
I'm not arguing the convenience. I'm just saying that it will take a long time before we can stop carrying out credit cards with us. And I've only had a problem with scans a few times in my life. It's not something I even think about. And it's always possible that a terminal will misscan NFC as well.
Logic tells me that you are correct that the cards will be with us for a while ...
But, experience and knowledge of human self-interest tells me otherwise. If it is to the advantage of the consumer, the merchant and the bank -- they'll find a way to make it happen (eliminate the card),
I'm not talking convenience, security or privacy, here, I'm tanking $.
If all of the above can make/save $ -- then it will happen! ASAP!
It's easy to argue that the merchants won't upgrade to expensive NFC terminals ... Nor, should they!
Apple could easily offer a $200 iPad (or $75 AppleTV) with NFC ... Not only that, they could incentivize small (or large) merchants by offering them a Pay as you ApplePay plan -- there is no charge up front, and Apple takes a .01 cut of each ApplePay transaction until the terminal is paid for. Likely, the bank would charge the merchant less for the ApplePay transactions ... So there would be little or no downside.
Then, there's parking meters and vending machines ...
Comments
So NOW you believe what I've written rather than those other sources you've been relying on.
Ah. So, 75% of Android users can use Google Wallet, they just can't use it. Presumably, they can enter credit card info...but they just can't actually pay for things at a NFS terminal.
Got it.
Here's what the tech writer for the Minneapolis Star-Tribune said, a few days pre-Apple Pay:
He goes on. The fact is, Google Wallet is like many other Android software and hardware features - they sound cool in an ad, but they're so full of fragmentation and implementation gotchas, that even techies just can't seem to make them work. And so, to be brutally honest, no one other than hardcore Fandroid geeks even try to.
Less security, less privacy, less ease of use than Apple Pay.
And, a month from now, I'd bet, far less used than Apple Pay as well.
All new Android phones have the ability to use tap to pay Google Wallet and most phones sold last year. So it's not that big of a deal. How many iPhone 5S/5/4S/4 phones can do Apple Pay with the phone right now?
That story you posted can go for anyone using any new tech. Just how many times do you think people will get the same reaction when they use Apple Pay for the first time in a retailer for the first time? A lot. That's how many. I have a story that has the opposite experience.
Making a purchase with Apple Pay:
I was successful with one of three attempts at McDonald's. I even tried using Apple Pay without a case and with a Griffin Survivor rugged case to see if a case impacted the ability to make a successful purchase. Honestly, I don't know why only one purchase worked since I had the iPhone Touch ID activated and it was touching the pay terminal sensor.
The cashier was familiar with Apple Pay and asked me about my iPhone 6 Plus. She let me try making the transaction a few times and was patient with my attempts.
Making a purchase with Google Wallet:
Google Wallet worked every single time without any hesitation at all, which matches all of my experiences over the last year when carriers stopped restricting things for the most part.
The transaction was quick and easy with a summary receipt appearing on the Android device after the purchase was made.
http://www.zdnet.com/apple-pay-vs-google-wallet-hands-on-experiences-at-mcdonalds-7000034897/
So, as you can see. In this case, Apple Pay only worked 33% of the time whereas Google Wallet worked 100% of the time. There will be ton's of people having issues using Apple Pay as well. I'm already getting many text messages from friends asking why it's not working properly.
This is new. This will grow. Be happy with what you have and don't worry about what others have. I happen to use all tech so I have a well rounded understanding of how things work in real world use. Apple Pay is fantastic and I'm excited finally came out with this as I believe it's the future. I also use Apple Pay and, for me, works just as well and just as fast as my Google Wallet.
One more interesting take, from SlashGear:
You’re in a store, like Target, that utilizes Apple Pay. Via GPS or iBeacon technology in the store’s app, your device knows you’re there. Apple Pay and the store have worked out a deal wherein you save 5% on an item or brand when you use Apple Pay to check out. You get a pop-up notification, and go on with your shopping experience, knowing you’ll save 5% off the item(s) for using your phone.
The loyalty program is said to rely on iAds, Apple’s mobile ad network. That’s where the brand discount comes into play in the scenario listed above. A brand uses iAds, and you get notified of the deal when you’re out and about — which may entice you to buy the goods listed in the pop-up notification. It’s a new digital advertising frontier.
Apparently Apple was going to roll this out in 2015, but the stores are apparently pushing them to roll it out for this holiday season.
I forget - where does Google make all of its profits from? Oh, yeah - advertising.
Has anyone seen their implementation? Their whole payment operation was based on roaming sales staff with Vodafone card readers and iPhones.
Didn't purchase an item in the store, because they didn't have the color I wanted yet.
But I did order it for pickup with the Apple Store App.
Added the item to the Apple Store app's cart, tapped the "Purchase with Apple Pay" button, and that was it.
I got an iMessage from Apple confirming the purchase, with the availability date.
Oh well. Next time I'll buy something that they have in stock with Apple Pay.
I imagine you'd just tap the Easy Pay button in the upper right corner of the app, scan the bar code,
then authorize with your fingerprint. I don't see any need for NFC in the Apple Store.
This is probably a really stupid question so please forgive me. If a store accepts wireless payments but isn't on the list of supported stores BUT you have your credit card in Apple Pay, can you use it there?
That is not a stupid question at all, mostly because there is so much misinformation being spread like that from another person who replied to you.
You CAN use Apple Pay as long as the retailer supports NFC-based payments. They do NOT have to be on Apple's list. I know this because I used it at two places yesterday and another one today that I know support NFC but were not mentioned by Apple, and everything worked perfectly fine.
My bank/debit card is not yet supported, but luckily I can funnel everything through my Capital One credit card. That is the only rub, your bank must support Apple Pay directly. The retailer, not so much.
Hope this helps
So, as you can see. In this case, Apple Pay only worked 33% of the time whereas Google Wallet worked 100% of the time. There will be ton's of people having issues using Apple Pay as well. I'm already getting many text messages from friends asking why it's not working properly.
"In this case". And this is what happened when the NY Times tech writer tried ApplePay on the first day:
When you’re ready to pay at a store with a contactless terminal, you hold your iPhone close to the device. The Apple Pay interface opens and shows the credit card you have set as the default. You can then change cards or just put your finger on the fingerprint reader to complete the purchase.
It’s wildly simple, although the process might be slightly different depending on what store you’re in.
Perfect? Of course not - she had trouble with online third-party shopping apps that incorporated Apple Pay. But where Apple was able to control the whole experience, it was "wildly simple". I don't think I've ever heard a tech columnist use a descriptor like that for Google Wallet.
By the way, I am happy with what I have...or, more accurately, what I will have when I ditch my company-issued BB and pick up my first iPhone this fall - (as soon as someone has one to sell!) I just object to the usual Fandroid crowd downplaying Apple Pay because "Android users have had this for years"; in fact, only a minority of Android users have had a capability anywhere close to this, and only a tiny slice of them have found it user-friendly enough to actually use.
But hey - to that miniscule group, I say "cheers!"
Actually, no you don't got it. Like ApplePay, the tap and go feature of Google Wallet has a limited release area, so you can't take wild guesses like you have done.
"In this case". And this is what happened when the NY Times tech writer tried ApplePay on the first day:
Perfect? Of course not - she had trouble with online third-party shopping apps that incorporated Apple Pay. But where Apple was able to control the whole experience, it was "wildly simple". I don't think I've ever heard a tech columnist use a descriptor like that for Google Wallet.
By the way, I am happy with what I have...or, more accurately, what I will have when I ditch my company-issued BB and pick up my first iPhone this fall - (as soon as someone has one to sell!) I just object to the usual Fandroid crowd downplaying Apple Pay because "Android users have had this for years"; in fact, only a minority of Android users have had a capability anywhere close to this, and only a tiny slice of them have found it user-friendly enough to actually use.
But hey - to that miniscule group, I say "cheers!"
I'll go bottom up with you on this. I agree big time to the objection of some of the Fandroid crowd downplaying Apple Pay because "Android users have had this for years". I strongly dislike those people and call them out on it just as I strongly dislike iSheep or whatever you want to call them and call them out as well. It's wrong on both sides. I have many friends who have both types of phones and they always come to me with questions on how to make their phones better or to fix them. So, I agree with you on this wholeheartedly.
No, Apple Pay is not perfect and many people will have/are having many issues of some sort as Apple does not control the last step. Which is the payment process dealing with cashiers and the NFC POS system. They never will. What Apple does have is Apple Pay that is far better than anything that is out there right now, including Google Wallet. Apple will help with the adoption rate of NFC payments making EVERYTHING better in the long run.
I can go toe to toe with you with stories about who has had a better experience with each of the platforms. I won't. I was just pointing out that one time where the person I quoted showed where someone had a bad experience and I easily found one of the opposite. That's all. You can do that with ANY subject matter.
Both are "wildly simple" to use.
At this point, you may be starting to embarrass other Android users (if that's even possible).... Stop.
I'm not the one who said security is the most important thing. If security is the most important thing, then Apple ][ must not ever hand a credit card to a server, right?
Well, no, you're not - everyone who appreciates the ?Pay approach said it.
You're the one countering with ludicrous off-point analogies like armored cars...try to follow the flow.
That's kinda my point.
I'm assuming that you do?
I'm not arguing the convenience. I'm just saying that it will take a long time before we can stop carrying out credit cards with us. And I've only had a problem with scans a few times in my life. It's not something I even think about. And it's always possible that a terminal will misscan NFC as well.
The difference is that Google is the go between, Apple isn't. Google processes all of the Wallet transactions, and sees all of the data. Unless you are buying something from Apple, Apple sees nothing, as it doesn't go through them.
I literally said I wasn't out of my way to use this a few posts back. But I was at Foot Locker and used it since nobody was around. didn't have to waive it or anything like the video showed. Just hold it up, put your finger on it, and it was done. Definitely the future of payments, I just hope more places get on board and it becomes more common to use.
Just as Inconvnient as above, and works just as well (and the merchant doesn't get access to any personal data).
Honestly I don't mind the retailers having my purchasing history as I am even signed up for mailing lists and I always get coupons for stuff I actually want to buy. I am not so keen on them storing my CC number though. They really don't need that to tailor their marketing to me. The last four digits should suffice.
Logic tells me that you are correct that the cards will be with us for a while ...
But, experience and knowledge of human self-interest tells me otherwise. If it is to the advantage of the consumer, the merchant and the bank -- they'll find a way to make it happen (eliminate the card),
I'm not talking convenience, security or privacy, here, I'm tanking $.
If all of the above can make/save $ -- then it will happen! ASAP!
It's easy to argue that the merchants won't upgrade to expensive NFC terminals ... Nor, should they!
Apple could easily offer a $200 iPad (or $75 AppleTV) with NFC ... Not only that, they could incentivize small (or large) merchants by offering them a Pay as you ApplePay plan -- there is no charge up front, and Apple takes a .01 cut of each ApplePay transaction until the terminal is paid for. Likely, the bank would charge the merchant less for the ApplePay transactions ... So there would be little or no downside.
Then, there's parking meters and vending machines ...
Who carries a debut card and cash with them? I'd say most Americans.
Who carries a debut card and cash with them? I'd say most Americans.
No debit cards, but gift cards, cash and credit (not to mention a 1/2" thick stack of receipts I can never seem to disgorge).