Apple Pay gains 54 more US card issuers ahead of Canadian, Australian launches

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Comments

  • Reply 21 of 37
    There are hundreds of banks here in Canada. But there are only a few that are responsible for the vast majority of banking.

    http://www.osfi-bsif.gc.ca/Eng/wt-ow/Pages/wwr-er.aspx?sAll=1
  • Reply 22 of 37
    ecatsecats Posts: 272member
    Australia's local banks (the most profitable in the world, including Switzerland) have been reluctant to embrace apple pay for fear of losing even a slight amount of profit or control.

    These banks claim that their local solutions are just as good (they're not, in fact their solutions are laughable.)

    The commonwealth bank (the nations largest bank) asks users to glue a small mini-card to their phones for a similar functionality. Worse still the phone is the only method most users have to turn off the mini-card. Meaning a stolen phone = pay day for criminals. Utterly backwards in comparison to apple pay.
  • Reply 23 of 37
    As the restauranteur, how are you notified of the payment at the table?
    Since I was the customer, not the restauranteur, I don't know an exact technical answer. In my case, I had the server watch me pay via Apple Pay at the table, then she said "OK!" and we were done.

    I assume my mobile app sends a message to the BJ's server, and that forwards notification back to my local restaurant. You have to be in their rewards program, so the local restaurant may lookup my payment confirmation by my Rewards account number.
  • Reply 24 of 37
    rcfarcfa Posts: 1,124member
    konqerror wrote: »
    freerange wrote: »
    Bank of the West and Fidelity where the hell are you? Fire your dumbass legal team, marketing team and or IT heads and get some competent people in charge!

    Fidelity doesn't issue their own cards, they are white-label Bank of America, for now at least. There's rumors of a switch. Or perhaps the problem is that there isn't enough money to offer the generous rewards and for Fidelity to take their cut.

    Fidelity debit cards are issued by PNC Bank, last I checked it doesn't work.
    BoA has no issues with ApplePay
  • Reply 25 of 37
    Quote:

    Originally Posted by Slprescott View Post





    Since I was the customer, not the restauranteur, I don't know an exact technical answer. In my case, I had the server watch me pay via Apple Pay at the table, then she said "OK!" and we were done.



    I assume my mobile app sends a message to the BJ's server, and that forwards notification back to my local restaurant. You have to be in their rewards program, so the local restaurant may lookup my payment confirmation by my Rewards account number.



    This is a great idea once these details are ironed out - just have an NFC at the table and pay when you are done.  Really what's preventing people from dining and dashing anyway except waiters/staff/cameras around?

  • Reply 26 of 37
    solipsismysolipsismy Posts: 5,099member
    joelsalt wrote: »
    Really what's preventing people from dining and dashing anyway except waiters/staff/cameras around?

    Ethics. They can still dine and dash when their waitress goes in the kitchen, bar, or another table at your typical dine in restaurant, too.
  • Reply 27 of 37
    Quote:
    Originally Posted by SolipsismY View Post





    Ethics. They can still dine and dash when their waitress goes in the kitchen, bar, or another table at your typical dine in restaurant, too.



    That's what I mean!

     

    edit: that is, using an Apple pay system without the server watching you pay (like they do with credit card chip-in systems we have here) isn't really adding the to the risk of non-payment

  • Reply 28 of 37
    chiachia Posts: 713member
    Quote:
    Originally Posted by pakitt View Post

     

    Any chance to get Apple Pay at all in the EU, particularly in Germany??? Maybe by the end of this century?


     

    Apple Pay is in the EU as it's active in the UK.

     

    As the second largest net contributor to the EU Budget, you'd definitely financially miss the UK if it wasn't a member of the EU.

  • Reply 29 of 37
    slurpyslurpy Posts: 5,384member
    Quote:
    Originally Posted by mstone View Post

     



    Really? One person? That is pretty pathetic in itself. I use my AMEX Gold card all the time. Great service and good rewards, plus they have offices all over the world in case you need help while traveling. That is the only card I bothered to put in Apple Pay.  I never use my debit card for anything but getting cash from the ATM. If an establishment does not accept AMEX, which I haven't experienced in a very long time, I'll use a Visa.


     

    It's nice that you use Amex, but you're in the tiny, tiny minority. My dad recently had a customer pay by Amex, and it was literally the first one in 3 years, and he gets CC payments every day.  They had to contact him to refresh the banking information. My point is a Canadian launch only with Amex cards, is not a launch at all. Almost everyone uses Mastercard or VISA. 

  • Reply 30 of 37
    misamisa Posts: 827member
    uphill wrote: »
    There are hundreds of banks here in Canada. But there are only a few that are responsible for the vast majority of banking.

    http://www.osfi-bsif.gc.ca/Eng/wt-ow/Pages/wwr-er.aspx?sAll=1

    That's 29 Canadian banks.
  • Reply 31 of 37
    Its now official - Apple Pay Via Amex is coming to Australia (Finally) but sigh, the other cartel of banks still holding out!!!

    https://www.americanexpress.com/au/content/apple-pay/?extlink=em-au-mtsi-AU-Yankee-CS-EDM&om_rid=Ns8Rxj&om_mid=_BWOYLEB9HVOZNd&om_lid=amex8
  • Reply 32 of 37
    dunksdunks Posts: 1,254member
    Yay Australia. Now let's hope Visa/MasterCard get on board as Amex is expensive and not supported by many businesses.
  • Reply 33 of 37
    dunksdunks Posts: 1,254member
    "Bank issued American Express Cards will not be supported at this time."

    Sooooo... approximately all of them.

    Goddammit the banking industry in this country make me want to puke. My business goes to whoever implements Apple Pay.
  • Reply 34 of 37

    There may be about 29 "Canadian" banks and credit unions, but there are hundreds of banks operating in Canada. The post I responded to contained the statement "I think we have 29 banks and credit unions combined in Canada."

     

    The important goal for widespread access to Apple Pay is that one can use it with any credit card, including those not issued by banks or credit unions. Getting Apple Pay to be widely useable in Canada involves much more than restricting its adoption only to those financial institutions that have their head offices in Canada and/or the majority of their shareholders being Canadian citizens.

     

    So there are hundreds - one source indicates around 450 - of financial institutions doing business in Canada that need to be brought on board. Some are US and UK institutions, so those will likely be relatively easily included, but there are many that are not currently accepting Apple Pay both in the US and UK and elsewhere.

  • Reply 35 of 37
    I thought this was "The Year of Apple Pay" but it seems like that they keep signing up partners but it hasn't translated into the end users adoption. Now we see a Major US Bank working on its own payment solution. I think more Banks will follow this trend in the future.

    As for putting it on the retailers is not fair at all as the cost falls on them to implement & upgrade older NFC capable terminals. If Apple wanted to be more retail friendly than they would pay for the necessary upgrades that retailers need & not rely on Visa, MasterCard, BofA, or Citi Bank to provide the necessary equipment for them to use.

    They should invest some of that cash horde they have to build better relationships with retailers instead of making them feel pressured into it because the feeling they give you by saying "You're sales & customer base will decline steadily because iPhone users will take their business elsewhere that accepts Apple Pay" (That is what the rep told my Wife's company that has 20 stores nationwide)
  • Reply 36 of 37
    mstonemstone Posts: 11,510member
    Quote:

    Originally Posted by Slurpy View Post

     

     

    It's nice that you use Amex, but you're in the tiny, tiny minority. 


    How does AMEX stay in business if no one uses them?

  • Reply 37 of 37
    mstonemstone Posts: 11,510member
    Quote:

    Originally Posted by Dunks View Post



    "Bank issued American Express Cards will not be supported at this time."



    Sooooo... approximately all of them.

    Only a small percentage AMEX are bank issued. Most people get them directly from American Express and the payments are almost universally processed by AMEX directly not through an issuing bank, which is why they can support Apple Pay without support from any bank. As stated, the few bank issued AMEX cards will not be supported.

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