2) Even better is using the Starbucks app to order ahead (which still allows you to use Apple Pay in the app, as many iOS apps allow), and then just walk in to pick it up. No barista writing your order on the cup which they may get wrong, no having some incorrect spelling of your name, and no waiting in line. Even if you're going inside the store to sit it's great to use the app because your order gets printed out on a sticker that goes on the cup ahead of everyone else in line, including the person that is currently ordering.
I know. I have only tried it once since it came out. It's pretty convenient and I remember thinking, "this is how all fast food orders should be". The closest we have here are kiosks for ordering at McD. Not bad, but not as good as ordering within an app.
Have you tried the McDonald's app? It works exactly as you describe with the exception being that you can't finalize the order until it confirms you're at the location.
As I said years ago, CVS will eventually support Apple Pay. I think the longest holdout will be Walmart, but I think eventually they will succumb to the inevitable.
And don’t forget about Home Depot. They are still holding out too.
The funny thing is that they said they were going to Support Apple Pay. But that was a few years ago. Apple Pay did work at first and they stopped it. But later said it was going to come. Where is it?
https://www.cultofmac.com/321682/home-depot-flipping-switch-back-on-for-apple-pay/
So what happened? This was back in 2015 when they said they were going to support Apple Pay in their stores over 3 years ago.
I have a 7/11 down the block from my house. So that will be nice. I can walk over and just have my Apple Watch on me.
CVS, I'm going to assume no one used their crap Bar code system. I think at some point even Wal-Mart will cave in as no one wants to deal with their QR code based garbage either. It could take them another 10 years to finally give up on their dream of their own system.
The list of places I go to that support Apple Pay keeps growing. Even small places are supporting it and may not even know it. I'll give it a try and they're surprised, especially when I use my Apple Watch to do it.
I can't wait for Apple Pay to come here to Germany. It is one of the few valid examples I can point to when I tell people that moving to Germany was, in some respects, like moving back in time. That is not always bad, because "progress" (in the sense of modernization) is not unequivocally good. A slower pace of life definitely has up sides as well. Payment is one area that I really miss the "progress" of the US because it is a mundane task that can and has been improved dramatically.
On a trip 2 years ago to the US I drove thru a Starbucks, ordered, stuck my arm out the window, and payed with ApplePay on my watch. That is nearly an unfathomable scenario here. I just hope Sparkasse is an "early" adopter so that I don't have to change banks.
I often see in US movies that checks are used. This is so Stone Age for me. In Germany you just transfer the money through online banking. Easy.
In Australia most people just wave their credit card over things. It only asks for your PIN if its over a certain amount. It's actually illegal now to do transactions over $10,000 in cash, how would Germans react to that law!
That said, more and more people are registering their cards on their phone/watch and leaving their wallets at home. I predict that once house and car keys become predominantly digital a phone/watch will be the *only* thing people carry.
On vacation a week ago I rode my bike to the liquor store only to find I left my wallet at the house. No problem I had my watch. Still, I had to go to 4 stores before I found one that supported Apple Pay—of course, that store got the family business for the rest of the week.
(I can’t wait till support is universal!)
Now we just need wide-scale Apple Wallet-based ID
Yup. I rarely need cash or insurance cards or even my driver’s license. If my driver’s license and passport could become digital and added to Apple Wallet I could leave my wallet home permanently. As it is I frequently make trips without it. Apple Pay works at many of the places where I purchase things so carrying a wallet around in my pocket becomes unnecessary. If I know my stops are all going to accept Apple Pay I just leave it at home. Not to mention it’s annoying having to bring it along. I hate to sit on it in the car so I take it out and put it on the console. Then I have to put it back in my pocket when I get out, even if I’m not going to need it (I’m not just going to leave it in the car) and then repeat when I return to the car. It’s a lot of wasted effort and time for something I’m just carrying around because of my license.
The digital ID is an interesting one. How will people know it's genuine? Will you have to unlock your iPhone completely if, say, you get pulled over and a cop needs to see that information? With Touch ID Apple could implement a separate finger that would only show your DL or passport but with Face ID you're limited to completely unlocking the device.
I just read an article that mentioned digital wallets and how ”soon” our phones will replace physical wallets. I thought this part was interesting: “Consider that in 2018 several states have rolled out studies and pilot programs that favor shifting residents’ driver’s licenses to Department of Transportation apps, with Iowa’s set to launch next year.” The article didn’t really have much in the way of details but that’s an interesting way to do it.
Perhaps after signing into the DoT or DMV website and verifying your identity or similar in an app there will be a “Add to Apple Wallet” button.
Maybe with Face ID it could be similar to Apple Pay. Double click the sleep/wake button, verify it’s you, then swipe to hide the credit card and reveal your I.D.
1) The US isn't nearly as advanced as other EU countries where just getting Apple Pay support in the country means that nearly all places accept it by default because NFC-based payments have been available for years, but Germany really seems like stepping back in time; not just a few years before NFC-based payments, but decades before CC and debit cards were commonplace. What is the reason for this?
There is a very strong cultural tie to cash transactions here. The average German consumer only spends what they have (which is much healthier than the Average American); this includes, however, limiting their spending to just the amount of cash in their pocket at a given moment. This is changing, but very slowly.
Well, there’s certainly a big preference in Germany for debit cards over credit cards, since the charges by CC companies (to the vendor) are very high (some small shops lose over 5% when you pay with a CC).
Will be glad to see Apple Pay finally appear here. NFC machines have been slow to roll out in my area though, so not sure when it’ll really be ubiquitous.
The reason "credit" card companies take such absurdly high transaction fees (and why retailers hate them and avoid them whenever possible) is that almost nobody actually has a real CREDIT card as used in America, with long-term payment plans and the accompanying interest to profit from.
Our "credit" cards are just deferred-payment debit cards that are usually balanced monthly. So apart from the yearly card fee (if there is one), banks don’t make any money off the customer for offering them — so they grab high fees off the merchants (it's usually up to 4% though, and not "over 5%", IIRC).
As I said years ago, CVS will eventually support Apple Pay. I think the longest holdout will be Walmart, but I think eventually they will succumb to the inevitable.
And don’t forget about Home Depot. They are still holding out too.
The funny thing is that they said they were going to Support Apple Pay. But that was a few years ago. Apple Pay did work at first and they stopped it. But later said it was going to come. Where is it?
https://www.cultofmac.com/321682/home-depot-flipping-switch-back-on-for-apple-pay/
So what happened? This was back in 2015 when they said they were going to support Apple Pay in their stores over 3 years ago.
Could’ve been due to unexpected costs having to deal with their massive data breach?
Comments
CVS, I'm going to assume no one used their crap Bar code system. I think at some point even Wal-Mart will cave in as no one wants to deal with their QR code based garbage either. It could take them another 10 years to finally give up on their dream of their own system.
The list of places I go to that support Apple Pay keeps growing. Even small places are supporting it and may not even know it. I'll give it a try and they're surprised, especially when I use my Apple Watch to do it.
Perhaps after signing into the DoT or DMV website and verifying your identity or similar in an app there will be a “Add to Apple Wallet” button.
Maybe with Face ID it could be similar to Apple Pay. Double click the sleep/wake button, verify it’s you, then swipe to hide the credit card and reveal your I.D.
Our "credit" cards are just deferred-payment debit cards that are usually balanced monthly. So apart from the yearly card fee (if there is one), banks don’t make any money off the customer for offering them — so they grab high fees off the merchants (it's usually up to 4% though, and not "over 5%", IIRC).
http://fortune.com/2017/03/09/home-depot-data-breach-banks/