My favorite thing is going into a store and paying with my samsung gear S3, and having the cashier go "oh we dont do the apple pay thing" and then it goes BEEEP, and a receipt spits out and they are like huh??? Samsung pays works EVERYWHERE, so amazing to not have to carry a wallet ever or worry about whether a place accepts samsung pay or not. I am sure apple will get there eventually, in a few years......
I'm curious: are you saying that there are contactless NFC terminals that will take Samsung pays, but not Apple Pay? I too have had the experience where the clerk doesn't know what they take or how it works, yet I complete the transaction from my Apple Watch and Apple Pay.
Samsung bought that company that came up with the technology that allow phones to be use as swipe cards. You just have to place the phone next to where you would swipe and the cc machine thinks you swipe your card. I hear is not as save as Pay but is cool. Me I'm sticking with Pay
Let's be clear, the LoopPay system Samsung bought is contactless but it's NOT NFC. It sends a RF that is picked up by the magnetic receiver in the card swipe mechanism. Even in the US we're getting rid of card swipes—which includes the LoopPay-based systems—in favor of chip-based physical card, because cards are easily cloned from the magnetic stripe. The LoopPay-based system just makes this more insecure, but more importantly its acceptance is dying (in the US) as fraudulent activity using the magnetic card swipe becomes the responsibility of the retailer.
My favorite thing is going into a store and paying with my samsung gear S3, and having the cashier go "oh we dont do the apple pay thing" and then it goes BEEEP, and a receipt spits out and they are like huh??? Samsung pays works EVERYWHERE, so amazing to not have to carry a wallet ever or worry about whether a place accepts samsung pay or not. I am sure apple will get there eventually, in a few years......
I'm curious: are you saying that there are contactless NFC terminals that will take Samsung pays, but not Apple Pay? I too have had the experience where the clerk doesn't know what they take or how it works, yet I complete the transaction from my Apple Watch and Apple Pay.
Samsung bought that company that came up with the technology that allow phones to be use as swipe cards. You just have to place the phone next to where you would swipe and the cc machine thinks you swipe your card. I hear is not as save as Pay but is cool. Me I'm sticking with Pay
Yup. It's the same technology that thieves use to 'bump' up against you, and PRESTO; they just stole your credit card data.
I live in a Southern California "beach town"...My experience here is that somewhere between .36% and 3.6% of the merchants accept Pay (even factoring in the stores where the clerks are utterly clueless), rather than the impressive 36% posited here. I must live in the most unenlightened backwater in the hemisphere...
U.S. merchant adoption has been of the biggest obstacles for Apple Pay. Though a number of major chains are onboard, many still aren't, likely owing to the cost of upgrading to sale terminals with compatible NFC.
It would seem logical for Apple to pick up the tab.
I fail to see the logic in that statement.
"I can't afford your products." "I could make them less expensive to you. I could give you a discount based on the volume of future business." "Hey, that would be nice. Thanks."
That's not why CVS and RiteAid won't accept NFC payment at their NFC-capable payment terminals. They've already got the equipment. It's not about "I can't afford your products." It's because of credit card transaction fees with the banks. Should Apple pick up the tab for that too?
U.S. merchant adoption has been of the biggest obstacles for Apple Pay. Though a number of major chains are onboard, many still aren't, likely owing to the cost of upgrading to sale terminals with compatible NFC.
It would seem logical for Apple to pick up the tab.
I fail to see the logic in that statement.
"I can't afford your products." "I could make them less expensive to you. I could give you a discount based on the volume of future business." "Hey, that would be nice. Thanks."
That's not why CVS and RiteAid won't accept NFC payment at their NFC-capable payment terminals. They've already got the equipment. It's not about "I can't afford your products." It's because of credit card transaction fees with the banks. Should Apple pick up the tab for that too?
Alll the RiteAides (and Walgreens) support Apple Pay around me.
BTW and FYI, AFAIK it's only CVS that's been a PITA by making an APB to make NFC DOA ASAP by disabling the EDS on their POS b/c they were BFFs with MCE over the now MIA CurrentC.
U.S. merchant adoption has been of the biggest obstacles for Apple Pay. Though a number of major chains are onboard, many still aren't, likely owing to the cost of upgrading to sale terminals with compatible NFC.
It would seem logical for Apple to pick up the tab.
More accurately is that many major stores have upgraded to NFC compatible terminals but have deliberately disabled NFC because it prevents them from tracking and recording individual customers which they can them give to hackers.
I don't think I've seen a merchant accept Apple Pay in-store, without showing they also accept Android Pay. Seems like once they make the leap to mobile payments, they do both.
While I agree with this statement, I see more people using ApplePay than Android Pay.
I don't think I've seen a merchant accept Apple Pay in-store, without showing they also accept Android Pay. Seems like once they make the leap to mobile payments, they do both.
afaik, it's just upgrading the terminal to accept NFC - then they're all compatible. Also Mastercard PayPass is an offline solution also - not sure if it's counting those in with it's total percentage (nfc sticker, nfc keyring etc.)
I am finding most places accept Apple Pay here in Canada, but then chip cards have been around for a long time. My issue is the $100.- limit. Why not $500.-?
1) I'm getting the connection between chip-capable and NFC-capable payment systems in your comment. While these are newer technologies that are often included in the same device, it's not a guarantee or a requirement.
2) The low-limit is probably because pre-Apple Pay NFC-based payments were insecure. I'm sure we'll see this improve in time. Most places I use Apple Pay still want me to sign, which has always been part of "security theatre" and is even more ridiculous when using Apple Pay.
My guess is that the signature charade plays on not due to ApplePay, but the ugly cousin Google Pay. Retailers treat all customers the same so they don't get accused of discrimination for non-iOS using customers... the "lowest common denominator" dilemma.
My favorite thing is going into a store and paying with my samsung gear S3, and having the cashier go "oh we dont do the apple pay thing" and then it goes BEEEP, and a receipt spits out and they are like huh??? Samsung pays works EVERYWHERE, so amazing to not have to carry a wallet ever or worry about whether a place accepts samsung pay or not. I am sure apple will get there eventually, in a few years......
Aren't you worried about the watch exploding and taking your hand off at the wrist?
I am finding most places accept Apple Pay here in Canada, but then chip cards have been around for a long time. My issue is the $100.- limit. Why not $500.-?
This probably has to do with theft of chip enabled debit and credit cards. If a thief gets hold of your wallet can you imagine the field day he'd have if the limit was $500? However I do agree with you that $100 is low since most of the time just doing the groceries will set you back >$100.
If they can figure out a way to differentiate mobile contactless from card contactless and give the former a higher limit, I'm all in.
My favorite thing is going into a store and paying with my samsung gear S3, and having the cashier go "oh we dont do the apple pay thing" and then it goes BEEEP, and a receipt spits out and they are like huh??? Samsung pays works EVERYWHERE, so amazing to not have to carry a wallet ever or worry about whether a place accepts samsung pay or not. I am sure apple will get there eventually, in a few years......
Aren't you worried about the watch exploding and taking your hand off at the wrist?
That's only a problem with the Samsung Galaxy Note Watch....
Apple Pay is awesome - even more awesome when you realize you've left your wallet at home. Even better - when my discover card got stolen, the new card linked automatically to my Apple Pay account without having to go through the setup again. Very cool! I agree that it would be nice it if were more clear when a merchant accepts Apple Pay
I'd like to use/support Apple Pay as an Apple fan and shareholder. But, I've rarely been to a store where it's obvious they support Apple Pay. Sometimes I notice after the fact that they do. Most times, it seems they don't. Also, my credit card (Chase) is not accepted by Apple Pay.
I've had Chase debit and credit cards loaded in Apple Pay since day one. My Chase debit is the card I use most often for Apple Pay transactions.
I don't think I've seen a merchant accept Apple Pay in-store, without showing they also accept Android Pay. Seems like once they make the leap to mobile payments, they do both.
While I agree with this statement, I see more people using ApplePay than Android Pay.
U.S. merchant adoption has been of the biggest obstacles for Apple Pay. Though a number of major chains are onboard, many still aren't, likely owing to the cost of upgrading to sale terminals with compatible NFC.
It would seem logical for Apple to pick up the tab.
I fail to see the logic in that statement.
"I can't afford your products." "I could make them less expensive to you. I could give you a discount based on the volume of future business." "Hey, that would be nice. Thanks."
You've described a volume discount, but what you said first was Apple should buy new POS terminals for merchants, who could then accept any NFC payment from other mobile devices with them.
I live in a Southern California "beach town"...My experience here is that somewhere between .36% and 3.6% of the merchants accept Pay (even factoring in the stores where the clerks are utterly clueless), rather than the impressive 36% posited here. I must live in the most unenlightened backwater in the hemisphere...
I'd be shocked if there were so few NFC POS terminals in your town. Many small businesses have NFC equipped POSTs and don't even realize it until a customer uses it. They needn't advertise for Apple Pay on them to work.
I don't think I've seen a merchant accept Apple Pay in-store, without showing they also accept Android Pay. Seems like once they make the leap to mobile payments, they do both.
So apparently your anecdotal rebuttal is wrong. Apple Pay dominates the various other NFC payment choices.
It sounded more like an observation from him, not a rebuttal. I have also notice the same, most of the places I have seen that accept Apple Pay also accept Android pay. I have seen more people use Apple Pay, well actually I haven seen anyone use Android Pay yet. I also have notice that where they accept both, Apple Pay is advertise more than the Android Pay option. So I am assuming merchants are implementing both at the same time to save on cost.
There is nothing specific to Apple Pay implementation vs. Android Pay. Generally, most "wireless/tap-to-pay/contactless" solutions will work with Apple Pay (or Android Pay). There are a few which don't implying there may be some very small configuration items not set on every implementation, but in my experience those are very small.
Here in Canada, there is little-to-no branding for Apple Pay, but it simply works at about 90% of terminals which take NFC/wireless payments.
I live in a Southern California "beach town"...My experience here is that somewhere between .36% and 3.6% of the merchants accept Pay (even factoring in the stores where the clerks are utterly clueless), rather than the impressive 36% posited here. I must live in the most unenlightened backwater in the hemisphere...
I'd be shocked if there were so few NFC POS terminals in your town. Many small businesses have NFC equipped POSTs and don't even realize it until a customer uses it. They needn't advertise for Apple Pay on them to work.
You'd think...but let's refer back to the clueless clerks (and indifferent managers) part of the equation. I went into a Starbucks today - I'm not that frequent a customer, but when I go, I try to remember to ask whether they accept it yet, if I'm not using the Starbucks embedded in the grocery store (which doesn't accept it). Today they said, "Yes! We just started!" ...and then it failed to function.
In fairness, they insisted I use the same "reader" they use for slotting chipped cards, which, I dunno, may be incorrect (if so, the manager knew no more than the clerk or I). Also, in fairness, the chip reader failed to complete the transaction when I slotted my card, as well. So, it's hard to tell what combination of ignorance, inexperience, ineptitude or malfunction was "at work".
But the point is, if you don't live in a fairly urban area, there may simply not be enough Apple devices in the population to tip the equation to where merchants insist on training their staffs sufficiently in response. But, if you can't use it, it almost doesn't matter why, at that point.
I also think that, perhaps, Apple might be more proactive than a page or two on the Apple site itself instructing merchants. If you aren't already Apple-aware, you aren't likely to stumble across it. and my own experience in & with retail is that very many companies are proficient at looking smart in their ads and literature, but drop the ball when it comes to the actual mechanics of rolling out even their own proprietary procedures, let alone outside parties. And this is still the case, with Pay, almost two and a half years in.
I live in a Southern California "beach town"...My experience here is that somewhere between .36% and 3.6% of the merchants accept Pay (even factoring in the stores where the clerks are utterly clueless), rather than the impressive 36% posited here. I must live in the most unenlightened backwater in the hemisphere...
I'd be shocked if there were so few NFC POS terminals in your town. Many small businesses have NFC equipped POSTs and don't even realize it until a customer uses it. They needn't advertise for Apple Pay on them to work.
You'd think...but let's refer back to the clueless clerks (and indifferent managers) part of the equation. I went into a Starbucks today - I'm not that frequent a customer, but when I go, I try to remember to ask whether they accept it yet, if I'm not using the Starbucks embedded in the grocery store (which doesn't accept it). Today they said, "Yes! We just started!" ...and then it failed to function.
In fairness, they insisted I use the same "reader" they use for slotting chipped cards, which, I dunno, may be incorrect (if so, the manager knew no more than the clerk or I). Also, in fairness, the chip reader failed to complete the transaction when I slotted my card, as well. So, it's hard to tell what combination of ignorance, inexperience, ineptitude or malfunction was "at work".
But the point is, if you don't live in a fairly urban area, there may simply not be enough Apple devices in the population to tip the equation to where merchants insist on training their staffs sufficiently in response. But, if you can't use it, it almost doesn't matter why, at that point.
I also think that, perhaps, Apple might be more proactive than a page or two on the Apple site itself instructing merchants. If you aren't already Apple-aware, you aren't likely to stumble across it. and my own experience in & with retail is that very many companies are proficient at looking smart in their ads and literature, but drop the ball when it comes to the actual mechanics of rolling out even their own proprietary procedures, let alone outside parties. And this is still the case, with Pay, almost two and a half years in.
1) I've been using Apple Pay with Starbucks for years… but in the app, since you want to pay with your Starbucks card so you can get free drinks. As far as I know they haven't rolled out widespread chip or NFC-based payment systems, which is probably because they had their swipe built into the register.
2) If the swipe/PIN pad reader is new and comes with a chip card reader, then it probably also comes with NFC. If both aren't working it's probably not the clerk or manager's fault. It's likely a technical issue which could be any number of points along the transaction route.
3) From my experience, the more "mom and pop" you go—to wit, less urban environment with fewer chain stores—the more likely you are to have Apple Pay support, whether they know it or not.
Comments
Let's be clear, the LoopPay system Samsung bought is contactless but it's NOT NFC. It sends a RF that is picked up by the magnetic receiver in the card swipe mechanism. Even in the US we're getting rid of card swipes—which includes the LoopPay-based systems—in favor of chip-based physical card, because cards are easily cloned from the magnetic stripe. The LoopPay-based system just makes this more insecure, but more importantly its acceptance is dying (in the US) as fraudulent activity using the magnetic card swipe becomes the responsibility of the retailer.
It's the same technology that thieves use to 'bump' up against you, and PRESTO; they just stole your credit card data.
somewhere between .36% and 3.6% of the merchants accept Pay
(even factoring in the stores where the clerks are utterly clueless),
rather than the impressive 36% posited here.
I must live in the most unenlightened backwater in the hemisphere...
BTW and FYI, AFAIK it's only CVS that's been a PITA by making an APB to make NFC DOA ASAP by disabling the EDS on their POS b/c they were BFFs with MCE over the now MIA CurrentC.
However I do agree with you that $100 is low since most of the time just doing the groceries will set you back >$100.
If they can figure out a way to differentiate mobile contactless from card contactless and give the former a higher limit, I'm all in.
Apple Pay is awesome - even more awesome when you realize you've left your wallet at home. Even better - when my discover card got stolen, the new card linked automatically to my Apple Pay account without having to go through the setup again. Very cool! I agree that it would be nice it if were more clear when a merchant accepts Apple Pay
Here in Canada, there is little-to-no branding for Apple Pay, but it simply works at about 90% of terminals which take NFC/wireless payments.
I went into a Starbucks today - I'm not that frequent a customer, but when I go, I try to remember to ask whether they accept it yet,
if I'm not using the Starbucks embedded in the grocery store (which doesn't accept it). Today they said, "Yes! We just started!"
...and then it failed to function.
In fairness, they insisted I use the same "reader" they use for slotting chipped cards, which, I dunno,
may be incorrect (if so, the manager knew no more than the clerk or I). Also, in fairness, the chip reader failed to
complete the transaction when I slotted my card, as well. So, it's hard to tell what combination of ignorance, inexperience,
ineptitude or malfunction was "at work".
But the point is, if you don't live in a fairly urban area, there may simply not be enough Apple devices in the population
to tip the equation to where merchants insist on training their staffs sufficiently in response.
But, if you can't use it, it almost doesn't matter why, at that point.
I also think that, perhaps, Apple might be more proactive than a page or two on the Apple site itself instructing merchants.
If you aren't already Apple-aware, you aren't likely to stumble across it. and my own experience in & with retail is that very many companies
are proficient at looking smart in their ads and literature, but drop the ball when it comes to the actual mechanics of rolling out even their own
proprietary procedures, let alone outside parties. And this is still the case, with Pay, almost two and a half years in.
2) If the swipe/PIN pad reader is new and comes with a chip card reader, then it probably also comes with NFC. If both aren't working it's probably not the clerk or manager's fault. It's likely a technical issue which could be any number of points along the transaction route.
3) From my experience, the more "mom and pop" you go—to wit, less urban environment with fewer chain stores—the more likely you are to have Apple Pay support, whether they know it or not.