That's how it works now. Apparently Starbucks will be rolling out nfc payments at its stores versus the scanner based system. The wrinkle they and Wegmanns are working out is doing nfc and retaining the loyalty/member card rewards aspect.
Wasn't there supposed to be support for loyalty programs built into iOS 9?
[quote name="kkqd1337" url="/t/189020/apple-pay-coming-to-starbucks-kfc-chilis-in-2016#post_2788235"]I never carry cash. I hate having cash especially coins which are annoyingly used a lot in the UK as I always loose them or just shove it in a bowel at home and it never gets used.
Fingerprint is a problem with messy fingers, sugar, water, gloves etc
Dont quite know where to start with Apple Watch. Did I mention over engineering in my first post?[/QUOTE]
That's a lot of forced bellyaching for an optional choice.
[QUOTE]You literally can't beat a 5cm piece of plastic for design genius, literally tap in and you pay from your bank in a second.[/QUOTE]
So you get pick-pocketed, lose/leave your wallet and someone use uses the card. Great! Now you have to have the card replaced. How may days does that take. You'd likely also lose all your cards so all of them need to be replaced. Even if you had setup Apple Pay on your device(s), as soon as you report that physical card as lost/stolen all the Apple Pay cards die instantly, too, since they only virtual cards on your account off that one card via your bank, hence the extra security and convenience. If you lost your iPhone or Watch, well, someone would need to know you pretty well to gain access, and in just a moment's time you could destroy those virtual cards on that device or those devices, and start anew with you're replacement device, or even use your physical card in a pinch. So, yes, 0.0cm with literally no tapping involved, because NFC, and you have a more secure and convenient system. Boom!
[QUOTE] just shove it in a bowel [/QUOTE]
Your'e [U]holing[/U] it wrong!
[QUOTE]Wallets and mechanical watches are traditional items that should be relished.[/QUOTE]
Talk about over engineering. You can hate the addition of a better, more convenient option for payments all you want, but when you make a claim about over engineering don't refer to something antiquated that purposely tries to be complex to attract buyers, especially when mechanical watches aren't even close to the accuracy of a digital device that gets its timing from synchronized atomic clocks.
Wasn't there supposed to be support for loyalty programs built into iOS 9?
Which is undoubtedly why Starbucks is going forward as well as others like Wegmanns that still have loyalty programs in implementing nfc Apple Pay alongside their transition to the EMV compliant terminals. On a related note: that sticking the end of the chip card into a terminal and leaving it there? At least feels like a big time suck. My car repair shop just switched and I had only the one experience but For me it seemed longer.
That's a lot of forced bellyaching for an optional choice.
So you get pick-pocketed, lose/leave your wallet and someone use uses the card. Great! Now you have to have the card replaced. How may days does that take. You'd likely also lose all your cards so all of them need to be replaced. Even if you had setup Apple Pay on your device(s), as soon as you report that physical card as lost/stolen all the Apple Pay cards die instantly, too, since they only virtual cards on your account off that one card via your bank, hence the extra security and convenience. If you lost your iPhone or Watch, well, someone would need to know you pretty well to gain access, and in just a moment's time you could destroy those virtual cards on that device or those devices, and start anew with you're replacement device, or even use your physical card in a pinch. So, yes, 0.0cm with literally no tapping involved, because NFC, and you have a more secure and convenient system. Boom!
Your'e holing it wrong!
Talk about over engineering. You can hate the addition of a better, more convenient option for payments all you want, but when you make a claim about over engineering don't refer to something antiquated that purposely tries to be complex to attract buyers, especially when mechanical watches aren't even close to the accuracy of a digital device that gets its timing from synchronized atomic clocks.
Lol
Fair point about the watch. But they are wonderful in a way a smart watch can never compete with.
Why? I've dumped my wallet. I never carried bills in my wallet, just cards, and now I use an iPhone case with a slot for 3 cards in the back. I don't need a big rectangle digging into my butt simply so that I can carry a piece of plastic that you seem to romanticize.
In the past we carried big cases with all the brochures and samples in them when you visited clients or files full of invoices and spreadsheets. Rather than holding on to the past, I like t carry that information on my thin laptop or my tablet. I am getting older ... it's easier on the back ;-)
Ok so I'm going to be very arrogant here! Brace yourself
I literally pity you for not having a wallet.
I have a collection of 3 absolutely beautiful leather wallets, they are stunning, robust, sleek and practical. Admittedly I haven't seen your iPhone case. But I'm assuming it's a ugly overpriced piece of cloth/plastic wrapped around your beautiful iPhone. I think your case is offensive to Apple designers who worked on your phone for years.
Please correct me if I am wrong because I don't usually stop at the local Starbucks.
But I thought you use a form of payment to put say, $25 on the Starbucks app. And then use the Starbucks app to pay and get the points and freebies.
So then you would just Apple Pay as the form of payment when you need to re-load your Starbucks app. Again I could be 100% wrong about this but at least that is how I thought the Starbucks app worked in the US.
Edit: I just realized you said Starbucks card and not app. But either way it should be the same.... I think.
You can, but your Wallet (nee Passbook) pass which you load up from the Starbucks app, or the Starbucks app have your barcode. You can also use the Starbucks app to reload the card via Apple Pay right within the app. It's also clever enough that you can reload and make a purchase at the same time, which you can do with a mobile order which will print out immediately at that store, thus bypassing everyone else in the line, including those that are at the register whose order and payment hasn't been completed. It's a huge timesaver, even if you are going to drink inside.
What this means is the same location-aware Wallet pass would appear on your Home screen (if you allow that to be visible), and you can then pay with your Starbucks card via NFC instead of IR. The only question I have will be if the location aware aspect of the Wallet pass will allow for the Starbucks card to come up first when it gets close to the NFC field at my local Starbucks or will it be my primary CC in Apple Pay and then I'll have to flip through to get to the Sbux card. I'd guess the former.
PS: I use different cards at different places, based on the points I get. 2–3% retained over a year when you put over 80% of your purchases on a CC which you pay off each month is a good sum. I would like options for different types of locations, like pharmacy or gas station, or a different store name, to cause a different card to load up as the primary. Very, very minor request. Not imperative, but would be nice. I'd also like for Macs to get Apple Pay, and for Apple to create a secure payment system for websites that doesn't feel as violating as using PayPal.
Wow, apparently I'm living in the future! I have a US debit card from a supported bank, and I use it at Starbucks all the time ... in Canada, where nearly every merchant has contactless-savvy POS terminals. I've heard it works almost worldwide if you have a supported US card, I'll have to try it in the UK and elsewhere. It certainly gets a lot of use from me for all kinds of purchases up here.
The key to Apple Pay's success will be more contactless terminals. That's pretty much it -- the merchant doesn't have to officially support it if the terminal supports contactless cards, your bank handles things (and, importantly, the merchant gets zero data other than the approval). The US is way, way behind most of the developed world with more secure chip-and-PIN cards and contactless payments (like a decade behind!), but that seems to be slowly changing, which is great.
As for the specific vendors named, I've always liked Panera Bread (and I've used Apple Pay there already), so as far as I'm concerned the more the merrier. I can tell anyone reading this who hasn't used it yet -- it is way simpler and way faster than pulling out the wallet, getting the right card, and going through the current process (even for chip PIN cards). If you've done contactless cards, you have had the experience of using Apple Pay. I use it on my Watch, which is fun (and occasionally gets an "oh wow!" from the cashier).
In the UK we use chip and pin and have done for 5-10 years now, so use that for anything above £30.
I heard the issue around this is that if you use a PIN for payment the bank will take no or much less responsibility for fraudulent transactions because they blame you for revealing you pin to someone.
So the change to pin in a lot of countries was held as a signature leaves banks and retailers more answerable and responsible for fraud
But chip and pin has nothing to do with the ease of use of ApplePay. For example, you can use ApplePay at certain places and then be asked to either sign ("chip and sign") or be asked for a member number (e.g., in a drugstore such as Walgreens that accepts ApplePay).
Use of credit cards also has nothing to do with liability: banks in the IS are responsible for any unauthorized use of your card for over $50.
It appears to me -- I might be wrong about his -- that you do not know, or have not have had experience with, how ApplePay works and how incredibly smooth and convenient it is.
But chip and pin has nothing to do with the ease of use of ApplePay. For example, you can use ApplePay at certain places and then be asked to either sign ("chip and sign") or be asked for a member number (e.g., in a drugstore such as Walgreens that accepts ApplePay).
Use of credit cards also has nothing to do with liability: banks in the IS are responsible for any unauthorized use of your card for over $50.
It appears to me -- I might be wrong about his -- that you do not know, or have not have had experience with, how ApplePay works and how incredibly smooth and convenient it is.
But chip and pin has nothing to do with the ease of use of ApplePay. For example, you can use ApplePay at certain places and then be asked to either sign ("chip and sign") or be asked for a member number (e.g., in a drugstore such as Walgreens that accepts ApplePay).
Use of credit cards also has nothing to do with liability: banks in the IS are responsible for any unauthorized use of your card for over $50.
It appears to me -- I might be wrong about his -- that you do not know, or have not have had experience with, how ApplePay works and how incredibly smooth and convenient it is.
hmmmm well I'm not sure
In the UK we have had contactless payments for many years. Everyone in London uses it daily - on the underground, we use it in most shops and bars with our credit cards. You just tap to pay as long as the transaction is less than £30. No pin or signatures, it's great. If it's more than £30 then you need the pin. If basically everything is broken you sign, but that is very rare.
So Apple Pay/Digital payments came along. No big deal, same rules apply. More complicated to do the exact same thing. And that is the honest general opinion in the UK.
I must have used it say two hundred times already on buses, the underground, supermarkets, bars. I did give it a good go, but I basically am bored of it and just using my card is easier so that's what I go for.
Plus - if your battery dies on the underground and you can't use it to tap out of the underground station you are fined as if you don't have a ticket £70-£100 or something like that. Those are not good Apples.
So Apple Pay/Digital payments came along. No big deal, same rules apply. More complicated to do the exact same thing. And that is the honest general opinion in the UK.
I must have used it say two hundred times already on buses, the underground, supermarkets, bars. I did give it a good go, but I basically am bored of it and just using my card is easier so that's what I go for
Your honest opinion, sample size n=1.
It's easier and faster using Apple Pay on the Apple Watch than fumbling around taking wallets from pockets and cards from wallets.
I thought you surgical doctors didn't have time to waste standing around!
Speaking of which, speciality and college?
Comments
That's how it works now. Apparently Starbucks will be rolling out nfc payments at its stores versus the scanner based system. The wrinkle they and Wegmanns are working out is doing nfc and retaining the loyalty/member card rewards aspect.
Wasn't there supposed to be support for loyalty programs built into iOS 9?
Fingerprint is a problem with messy fingers, sugar, water, gloves etc
Dont quite know where to start with Apple Watch. Did I mention over engineering in my first post?[/QUOTE]
That's a lot of forced bellyaching for an optional choice.
[QUOTE]You literally can't beat a 5cm piece of plastic for design genius, literally tap in and you pay from your bank in a second.[/QUOTE]
So you get pick-pocketed, lose/leave your wallet and someone use uses the card. Great! Now you have to have the card replaced. How may days does that take. You'd likely also lose all your cards so all of them need to be replaced. Even if you had setup Apple Pay on your device(s), as soon as you report that physical card as lost/stolen all the Apple Pay cards die instantly, too, since they only virtual cards on your account off that one card via your bank, hence the extra security and convenience. If you lost your iPhone or Watch, well, someone would need to know you pretty well to gain access, and in just a moment's time you could destroy those virtual cards on that device or those devices, and start anew with you're replacement device, or even use your physical card in a pinch. So, yes, 0.0cm with literally no tapping involved, because NFC, and you have a more secure and convenient system. Boom!
[QUOTE] just shove it in a bowel [/QUOTE]
Your'e [U]holing[/U] it wrong!
[QUOTE]Wallets and mechanical watches are traditional items that should be relished.[/QUOTE]
Talk about over engineering. You can hate the addition of a better, more convenient option for payments all you want, but when you make a claim about over engineering don't refer to something antiquated that purposely tries to be complex to attract buyers, especially when mechanical watches aren't even close to the accuracy of a digital device that gets its timing from synchronized atomic clocks.
Lol
Fair point about the watch. But they are wonderful in a way a smart watch can never compete with.
Lol
Fair point about the watch. But they are wonderful in a way a smart watch can never compete with.
Telling time?
Ok so I'm going to be very arrogant here! Brace yourself
I literally pity you for not having a wallet.
I have a collection of 3 absolutely beautiful leather wallets, they are stunning, robust, sleek and practical. Admittedly I haven't seen your iPhone case. But I'm assuming it's a ugly overpriced piece of cloth/plastic wrapped around your beautiful iPhone. I think your case is offensive to Apple designers who worked on your phone for years.
You can, but your Wallet (nee Passbook) pass which you load up from the Starbucks app, or the Starbucks app have your barcode. You can also use the Starbucks app to reload the card via Apple Pay right within the app. It's also clever enough that you can reload and make a purchase at the same time, which you can do with a mobile order which will print out immediately at that store, thus bypassing everyone else in the line, including those that are at the register whose order and payment hasn't been completed. It's a huge timesaver, even if you are going to drink inside.
What this means is the same location-aware Wallet pass would appear on your Home screen (if you allow that to be visible), and you can then pay with your Starbucks card via NFC instead of IR. The only question I have will be if the location aware aspect of the Wallet pass will allow for the Starbucks card to come up first when it gets close to the NFC field at my local Starbucks or will it be my primary CC in Apple Pay and then I'll have to flip through to get to the Sbux card. I'd guess the former.
PS: I use different cards at different places, based on the points I get. 2–3% retained over a year when you put over 80% of your purchases on a CC which you pay off each month is a good sum. I would like options for different types of locations, like pharmacy or gas station, or a different store name, to cause a different card to load up as the primary. Very, very minor request. Not imperative, but would be nice. I'd also like for Macs to get Apple Pay, and for Apple to create a secure payment system for websites that doesn't feel as violating as using PayPal.
No
Try again?
Lol
I'm a surgical doctor
My phone auto correct knows bowels and not bowls
The key to Apple Pay's success will be more contactless terminals. That's pretty much it -- the merchant doesn't have to officially support it if the terminal supports contactless cards, your bank handles things (and, importantly, the merchant gets zero data other than the approval). The US is way, way behind most of the developed world with more secure chip-and-PIN cards and contactless payments (like a decade behind!), but that seems to be slowly changing, which is great.
As for the specific vendors named, I've always liked Panera Bread (and I've used Apple Pay there already), so as far as I'm concerned the more the merrier. I can tell anyone reading this who hasn't used it yet -- it is way simpler and way faster than pulling out the wallet, getting the right card, and going through the current process (even for chip PIN cards). If you've done contactless cards, you have had the experience of using Apple Pay. I use it on my Watch, which is fun (and occasionally gets an "oh wow!" from the cashier).
No
Try again?
I may have missed something but I looked at my wife's Panerai and can't see what else it can do.
In the UK we use chip and pin and have done for 5-10 years now, so use that for anything above £30.
I heard the issue around this is that if you use a PIN for payment the bank will take no or much less responsibility for fraudulent transactions because they blame you for revealing you pin to someone.
So the change to pin in a lot of countries was held as a signature leaves banks and retailers more answerable and responsible for fraud
But chip and pin has nothing to do with the ease of use of ApplePay. For example, you can use ApplePay at certain places and then be asked to either sign ("chip and sign") or be asked for a member number (e.g., in a drugstore such as Walgreens that accepts ApplePay).
Use of credit cards also has nothing to do with liability: banks in the IS are responsible for any unauthorized use of your card for over $50.
It appears to me -- I might be wrong about his -- that you do not know, or have not have had experience with, how ApplePay works and how incredibly smooth and convenient it is.
(Meh. What's the point).
hmmmm well I'm not sure
In the UK we have had contactless payments for many years. Everyone in London uses it daily - on the underground, we use it in most shops and bars with our credit cards. You just tap to pay as long as the transaction is less than £30. No pin or signatures, it's great. If it's more than £30 then you need the pin. If basically everything is broken you sign, but that is very rare.
So Apple Pay/Digital payments came along. No big deal, same rules apply. More complicated to do the exact same thing. And that is the honest general opinion in the UK.
I must have used it say two hundred times already on buses, the underground, supermarkets, bars. I did give it a good go, but I basically am bored of it and just using my card is easier so that's what I go for.
Plus - if your battery dies on the underground and you can't use it to tap out of the underground station you are fined as if you don't have a ticket £70-£100 or something like that. Those are not good Apples.
No
Try again?
I may have missed something but I looked at my wife's Panerai and can't see what else it can do.
It probably tells the date too? C'mon, man, that's YUUUGE....
And that is the honest general opinion in the UK.
Ah, you're not only a surgeon and classic leather-wallet fanatic, but apparently also an opinion pollster in the UK!
Good for you.... wow.
Well - I'd like to think I keep my finger on the pulse of general opinion
;-)
This company is so deceiving. This made me mad. iPhone
Has a Touch ID that you have to use with ?Pay:no: and before them. WTF
EditED
Your honest opinion, sample size n=1.
It's easier and faster using Apple Pay on the Apple Watch than fumbling around taking wallets from pockets and cards from wallets.
I thought you surgical doctors didn't have time to waste standing around!
Speaking of which, speciality and college?
N=20 to be fair! I do have friends
Us medical people don't like additional hassle and that's what Apple Pay is. Keep it simple. Robust.
I'm trainee - general and urology. Kings College London