Did the dollar amounts perhaps impact the signature requirement (lower dollar amounts did not require a signature)? I've only made some larger purchases at Staples (over $30.00) and they have required a signature every time. I haven't tried a lower dollar amount at Staples, but the signature requirement is irritating.
That's your credit card company's requirement. Has nothing to do with ?Pay.
Maybe where you live.
I never have to sign with my debit card, just punch in the PIN. I assume Touch ID makes that unnecessary.
Perhaps you are correct WRT a credit card. I don't use one much.
1) That's his point. The systems are still designed to require a signature for CCs when it's over a certain amount. You're using a debit card with a PIN so it's different. This has no bearing on where you live within a country.
2) I agree ?Pay — not Touch ID — should work like a using a PIN, because it's a more secure, but so far that doesn't seem to be enabled. But it's nascent technology. If the biggest complaint is that we still have to sign a CC for large purchases then I think it's doing well.
That's your credit card company's requirement. Has nothing to do with ?Pay.
Seems that Apple somewhat disagrees with you on the "credit card company's requirement" part. Seems the store has some say in the decision, probably based on how much risk they choose to accept. https://support.apple.com/en-us/HT204274
Will my customers need to sign receipts when using Apple Pay?
As they do today with a plastic credit or debit card, they might need to sign a receipt, depending on the store and the transaction amount.
Will my customers need to sign receipts when using Apple Pay?
As they do today with a plastic credit or debit card, they might need to sign a receipt, depending on the store and the transaction amount.
Looks like that settles it.
Additionally, nobody signs anything for online purchases. I don't know why they think this is any different, especially with the added Touch ID factor adding biometric confirmation.
I will toss in my 2 cents for what it's worth; this issue and most surrounding it is a matter of money. Apple has found a way to turn the iPhone and soon the Apple watch in to another type of change box. Funny, for all the potential money that can be coined from apps, in-app purchases and now ApplePay one might imagine Apple would bring down prices on their goods.
Sorry, folks. I'm not believing $17,000.00US is economical. And using ApplePay won't lessen the price....on anything. If Apple wants the money from ApplePay they'll have to pony up and promote it, nurture it and reward it.
Simple as that. No one is going to do Apples' job for them. There is no reward for that. Too, most iPhone users are NOT using Apple pay! There is no reward in it for the user. Get ApplePay points you can redeem for Apple accessories? Hold it! That's not gonna happen anytime soon.
I never have to sign with my debit card, just punch in the PIN. I assume Touch ID makes that unnecessary.
Perhaps you are correct WRT a credit card. I don't use one much.
When I tried using my card that has a chip on it abroad (UK), every terminal where I shoved it into the card reader, the transaction was approved without my entering the PIN but asked for a signature verification.
I wonder if card PINs are country-specific, i.e., only work in the country where the card was issued.
Maybe where you live.
I never have to sign with my debit card, just punch in the PIN. I assume Touch ID makes that unnecessary.
Perhaps you are correct WRT a credit card. I don't use one much.
It is always possible to run a debit card as if it were a credit card. When you do this the card behaves exactly like a credit card including requiring a signature. I wouldn't be at all surprised if this is how ApplePay was running the card.
On a side note, it boggles the mind that banks would try to make a more secure card with a pin and then offer a way to completely bypass all security features, but for whatever reason they did.
When I tried using my card that has a chip on it abroad (UK), every terminal where I shoved it into the card reader, the transaction was approved without my entering the PIN but asked for a signature verification.
I wonder if card PINs are country-specific, i.e., only work in the country where the card was issued.
That is because America is moving to a chip and signature system, not a chip and PIN. I think the argument is that currently chipped cards are a convenience for international travelers, but they probably won't remember a PIN that they don't use every day in their home country. Hopefully when chip readers become ubiquitous and mag stripe readers are retired American banks will start to issue PIN cards.
Seems that Apple somewhat disagrees with you on the "credit card company's requirement" part. Seems the store has some say in the decision, probably based on how much risk they choose to accept. https://support.apple.com/en-us/HT204274
Will my customers need to sign receipts when using Apple Pay?
As they do today with a plastic credit or debit card, they might need to sign a receipt, depending on the store and the transaction amount.
I never sign even when prompted. I just draw a large X or long wavy line. The signatures mean nothing, no clerk ever checks anything anymore - the point of signing is so antiquated and useless it's laughable. Especially with a process that requires an owners' authenticated fingerprint to complete the transaction.
Sorry, folks. I'm not believing $17,000.00US is economical. And using ApplePay won't lessen the price....on anything. If Apple wants the money from ApplePay they'll have to pony up and promote it, nurture it and reward it.
Simple as that. No one is going to do Apples' job for them. There is no reward for that. Too, most iPhone users are NOT using Apple pay! There is no reward in it for the user. Get ApplePay points you can redeem for Apple accessories? Hold it! That's not gonna happen anytime soon.
1) And yet, banks are advertising the crap out of ?Pay. It's almost like there is financial benefit to a secure payment system that reduces fraud.
2) Anytime either convenienxe or secure is involved for the customer there is a reward.
It's almost like there is financial benefit to a secure payment system that reduces fraud.
A penny saved is a penny earned. Of course there's a financial benefit to a secure payment system. Cutting losses yields higher gains, but you already knew that.
this is where it gets very confusing for Americans and hence the poor adoption of using mobile nfc payments instead of traditional cards
apple pay is not a system or merchant services they don't run their own payment networks or gateways
when your paying with an iphone your paying with MasterCard visa or American express the very same nfc technology put in you plastic bank card is in the iphone apple don't do anything special.
sounds like the only one very confused is you.
while you are correct they dont run their own gateway, they dont need to. they do indeed "so something special" and thats the tokenization of my cc number and transmission of said disposable token via the NFC antenna to the POS' gateway processor. thats the value add. and no, it is not the same as using the plastic cards available in the US today.
also, the major roadblock to mass adoption of NFC is the lack of NFC terminals in retailers.
I will toss in my 2 cents for what it's worth; this issue and most surrounding it is a matter of money. Apple has found a way to turn the iPhone and soon the Apple watch in to another type of change box. Funny, for all the potential money that can be coined from apps, in-app purchases and now ApplePay one might imagine Apple would bring down prices on their goods.
Sorry, folks. I'm not believing $17,000.00US is economical. And using ApplePay won't lessen the price....on anything. If Apple wants the money from ApplePay they'll have to pony up and promote it, nurture it and reward it.
Simple as that. No one is going to do Apples' job for them. There is no reward for that. Too, most iPhone users are NOT using Apple pay! There is no reward in it for the user. Get ApplePay points you can redeem for Apple accessories? Hold it! That's not gonna happen anytime soon.
No reward? No good. That's the secret.
wrong. the reward is not having your cc number stolen by hackers, which has happened time & time again last year. it's a major hassle for cardholders. another reward is the convenience of not having to take my wallet out, since i often have my phone out already and for stores/banks that dont require the signature its faster.
ill pick a secure payment method over non-secure 100% of the time.
and what does $17,000 have to do with....well, anything?
How do you forget how to use it.. it could not be simpler
Sometimes it's the simplest things which prove the most difficult. Turn a mouse so that the front is in the rear and watch people go nuts.
There are several potential points of confusion with Apple Pay:
1. Do you have to "wake up" your phone before you use it, or will the NFC wake up the phone? And if you don't notice that the phone is "active" and you press the Home button to wake it up, is it actually "paying" and in that case, is it possible to accidentally pay twice?
2. Once recognized and the Apple screen tells you to give it your fingerprint, I've seen people press the fingerprint graphic instead of pressing the Home button. That fingerprint image should have a down arrow below it.
3. I've had experiences where the credit card terminal obviously had NFC but the clerk didn't know if they accepted Apple Pay. It seemed to work at the terminal, but then the transaction was "rejected", according to the clerk. I then paid using my Debit Card instead, but was concerned that I may have been charged twice. As it turned out, I wasn't, but any confusion over Apple Pay will cause people not to use it.
But glad to see that Apple is providing decal kits. This was obviously in the works for some time, but it's exactly what I recommended in a post last week or the week before. I think it's funny though that Apple "suggests" that they place the Apple Pay decal above all the others - usual Apple arrogance. I also think it's funny that Apple is providing such precise layout instructions when in most stores, the decals are very sloppily posted on the entrance door.
Then you would mind catching me up on all these terminals that only displayed "?Pay" for the last 6(?) months that are now saying "Wallet, ?Pay, softcard" because of these leeches that are now copying(?) Apple?
Yes.
At least where I live wallet and softcard were NEVER displayed anywhere on a terminal, POS or store. It was simply unnecessary clutter. And as you've mentioned these services are years old.
In September through November immediately after iPhone 6 was released these same terminals that once displayed "please swipe card"or something relevant to the business now displayed ?Pay on the terminal screen. It was pretty cool how fast they've adapted. I remember being surprised that during the first week of ?Pay being available half of the businesses I visited had "?Pay" displayed on the terminal. Maybe they didn't wanna be left behind?
With the huge success of what was basically non existent in the US(NFC) returned the old failures.
Thanks to Apple as of February half of the terminals that once only displayed "?Pay" are now displaying Wallet/?Pay/softcard as before they were never mentioned. Ever. It's starting to look cluttered and really delute ?Pay.
Thanks to Apple those other mobile payments are now displayed on screen. Imagine if Sammy pay and more competitors enter mobile payments. These terminals are gonna look confusing and ugly.
?Pay opened the door for mobile payments which is the point. I still have no idea why these businesses have added softcard and wallet when they're really not used here.
Good analysis, zoe. The first time or two I used it, I actually did catch myself pushing on the fingerprint graphic on the screen instead if the home button. And I'm not a complete idiot. Something about the pressure of the moment, with other shoppers in line behind you, etc. Once I used it correctly this ceased to be an issue. An arrow pointing down is a good cheap solution. A flashing light around the home button woul be the expensive one. I've noticed that I don't have to open Passbook and select my credit card. The NFC seems to do that automatically. I have two cards but it defaults to the one I pre-designated. At McDonalds drive through, they have a terminal on a long cable that they have to clumsily reach out toward me, and maintaining the connection is rather clumsy. Hope that gets addressed at some point--maybe a slave NFC mounted on the windowsill just to make the connection?
I have been impressed with how well ?Pay handles ambiguities. I've yet to experience any faulty charges.
Comments
It follows the same rules that other tap and pay cards have...if your purchase is above either $25 or $50, you have to sign.
Maybe where you live.
I never have to sign with my debit card, just punch in the PIN. I assume Touch ID makes that unnecessary.
Perhaps you are correct WRT a credit card. I don't use one much.
I've never tried it so have no idea how to do it. Is it tied to iTunes account? I have iPhone 6 but am not sure how to access it.
Could you enlighten me?
Ironic that a company that doesn't like decals on their devices wants their decals on other manufacturers' devices.
And strangely enough, they recommend placing first and above all other decals !? Odd . . .
1) That's his point. The systems are still designed to require a signature for CCs when it's over a certain amount. You're using a debit card with a PIN so it's different. This has no bearing on where you live within a country.
2) I agree ?Pay — not Touch ID — should work like a using a PIN, because it's a more secure, but so far that doesn't seem to be enabled. But it's nascent technology. If the biggest complaint is that we still have to sign a CC for large purchases then I think it's doing well.
Seems that Apple somewhat disagrees with you on the "credit card company's requirement" part. Seems the store has some say in the decision, probably based on how much risk they choose to accept.
https://support.apple.com/en-us/HT204274
Will my customers need to sign receipts when using Apple Pay?
As they do today with a plastic credit or debit card, they might need to sign a receipt, depending on the store and the transaction amount.
Seems that Apple somewhat disagrees with you
https://support.apple.com/en-us/HT204274
Will my customers need to sign receipts when using Apple Pay?
As they do today with a plastic credit or debit card, they might need to sign a receipt, depending on the store and the transaction amount.
Looks like that settles it.
Additionally, nobody signs anything for online purchases. I don't know why they think this is any different, especially with the added Touch ID factor adding biometric confirmation.
Sorry, folks. I'm not believing $17,000.00US is economical. And using ApplePay won't lessen the price....on anything. If Apple wants the money from ApplePay they'll have to pony up and promote it, nurture it and reward it.
Simple as that. No one is going to do Apples' job for them. There is no reward for that. Too, most iPhone users are NOT using Apple pay! There is no reward in it for the user. Get ApplePay points you can redeem for Apple accessories? Hold it! That's not gonna happen anytime soon.
No reward? No good. That's the secret.
Maybe where you live.
I never have to sign with my debit card, just punch in the PIN. I assume Touch ID makes that unnecessary.
Perhaps you are correct WRT a credit card. I don't use one much.
When I tried using my card that has a chip on it abroad (UK), every terminal where I shoved it into the card reader, the transaction was approved without my entering the PIN but asked for a signature verification.
I wonder if card PINs are country-specific, i.e., only work in the country where the card was issued.
It is always possible to run a debit card as if it were a credit card. When you do this the card behaves exactly like a credit card including requiring a signature. I wouldn't be at all surprised if this is how ApplePay was running the card.
On a side note, it boggles the mind that banks would try to make a more secure card with a pin and then offer a way to completely bypass all security features, but for whatever reason they did.
That is because America is moving to a chip and signature system, not a chip and PIN. I think the argument is that currently chipped cards are a convenience for international travelers, but they probably won't remember a PIN that they don't use every day in their home country. Hopefully when chip readers become ubiquitous and mag stripe readers are retired American banks will start to issue PIN cards.
I never sign even when prompted. I just draw a large X or long wavy line. The signatures mean nothing, no clerk ever checks anything anymore - the point of signing is so antiquated and useless it's laughable. Especially with a process that requires an owners' authenticated fingerprint to complete the transaction.
1) And yet, banks are advertising the crap out of ?Pay. It's almost like there is financial benefit to a secure payment system that reduces fraud.
2) Anytime either convenienxe or secure is involved for the customer there is a reward.
A penny saved is a penny earned. Of course there's a financial benefit to a secure payment system. Cutting losses yields higher gains, but you already knew that.
this is where it gets very confusing for Americans and hence the poor adoption of using mobile nfc payments instead of traditional cards
apple pay is not a system or merchant services they don't run their own payment networks or gateways
when your paying with an iphone your paying with MasterCard visa or American express the very same nfc technology put in you plastic bank card is in the iphone apple don't do anything special.
sounds like the only one very confused is you.
while you are correct they dont run their own gateway, they dont need to. they do indeed "so something special" and thats the tokenization of my cc number and transmission of said disposable token via the NFC antenna to the POS' gateway processor. thats the value add. and no, it is not the same as using the plastic cards available in the US today.
also, the major roadblock to mass adoption of NFC is the lack of NFC terminals in retailers.
helluva first post.
I will toss in my 2 cents for what it's worth; this issue and most surrounding it is a matter of money. Apple has found a way to turn the iPhone and soon the Apple watch in to another type of change box. Funny, for all the potential money that can be coined from apps, in-app purchases and now ApplePay one might imagine Apple would bring down prices on their goods.
Sorry, folks. I'm not believing $17,000.00US is economical. And using ApplePay won't lessen the price....on anything. If Apple wants the money from ApplePay they'll have to pony up and promote it, nurture it and reward it.
Simple as that. No one is going to do Apples' job for them. There is no reward for that. Too, most iPhone users are NOT using Apple pay! There is no reward in it for the user. Get ApplePay points you can redeem for Apple accessories? Hold it! That's not gonna happen anytime soon.
No reward? No good. That's the secret.
wrong. the reward is not having your cc number stolen by hackers, which has happened time & time again last year. it's a major hassle for cardholders. another reward is the convenience of not having to take my wallet out, since i often have my phone out already and for stores/banks that dont require the signature its faster.
ill pick a secure payment method over non-secure 100% of the time.
and what does $17,000 have to do with....well, anything?
How do you forget how to use it.. it could not be simpler
Sometimes it's the simplest things which prove the most difficult. Turn a mouse so that the front is in the rear and watch people go nuts.
There are several potential points of confusion with Apple Pay:
1. Do you have to "wake up" your phone before you use it, or will the NFC wake up the phone? And if you don't notice that the phone is "active" and you press the Home button to wake it up, is it actually "paying" and in that case, is it possible to accidentally pay twice?
2. Once recognized and the Apple screen tells you to give it your fingerprint, I've seen people press the fingerprint graphic instead of pressing the Home button. That fingerprint image should have a down arrow below it.
3. I've had experiences where the credit card terminal obviously had NFC but the clerk didn't know if they accepted Apple Pay. It seemed to work at the terminal, but then the transaction was "rejected", according to the clerk. I then paid using my Debit Card instead, but was concerned that I may have been charged twice. As it turned out, I wasn't, but any confusion over Apple Pay will cause people not to use it.
But glad to see that Apple is providing decal kits. This was obviously in the works for some time, but it's exactly what I recommended in a post last week or the week before. I think it's funny though that Apple "suggests" that they place the Apple Pay decal above all the others - usual Apple arrogance. I also think it's funny that Apple is providing such precise layout instructions when in most stores, the decals are very sloppily posted on the entrance door.
Yes.
At least where I live wallet and softcard were NEVER displayed anywhere on a terminal, POS or store. It was simply unnecessary clutter. And as you've mentioned these services are years old.
In September through November immediately after iPhone 6 was released these same terminals that once displayed "please swipe card"or something relevant to the business now displayed ?Pay on the terminal screen. It was pretty cool how fast they've adapted. I remember being surprised that during the first week of ?Pay being available half of the businesses I visited had "?Pay" displayed on the terminal. Maybe they didn't wanna be left behind?
With the huge success of what was basically non existent in the US(NFC) returned the old failures.
Thanks to Apple as of February half of the terminals that once only displayed "?Pay" are now displaying Wallet/?Pay/softcard as before they were never mentioned. Ever. It's starting to look cluttered and really delute ?Pay.
Thanks to Apple those other mobile payments are now displayed on screen. Imagine if Sammy pay and more competitors enter mobile payments. These terminals are gonna look confusing and ugly.
?Pay opened the door for mobile payments which is the point. I still have no idea why these businesses have added softcard and wallet when they're really not used here.
I know I was half trolling, Half serious because I was unsure what he meant.
Should the ?Pay stickers say "?Pay inside"?
Probably because they don't want a repeat with what has happened with MasterCard/discover/visa on the same sticker.
To avoid this:
?Pay | Android Pay
SammyPay| softcardPay
On the same space/sticker.
I have been impressed with how well ?Pay handles ambiguities. I've yet to experience any faulty charges.