My friend used SamsungPay at Target and I couldn't stop shaking my head. He's a "know-it-all" so I didn't even begin to tell him how insecure that option is.
Considering the massive data breach of credit card data at Target, it's shocking and telling that they have waited years to do the right thing and support tokenized NFC payments.
It's too late for me, for the most part. My spending there has gone way down, it's rare we make the trek the burbs for Target these days.
My big complaint with ApplePay is not the system, rather that it’s often poorly marked and still has spotty enough availability that I’m often dont know whether it’s accepted at a merchant.
I've found that just seeing the little "sideways wifi symbol" is usually enough for me to give it a try-- I don't mind standing there like a doofus with my watch on the reader to see if it works. Some people at small places don't realize that they accept it-- mainly restaurants-- I did this at my dentist a couple days ago and her response was "oh, hey, I didn't know that worked."
If you see "contactless" or "swipe, insert or tap" or "tap to pay" that's usually a good clue-- In Europe lots of credit cards have the chips in them so tapping to pay with a credit card there is a lot more common-- and invariably Apple Pay works anywhere that tap to pay works.
On the other hand, My local Costco just got pumps that have the tap-to-pay readers in them, but they're not turned on yet, so just seeing the symbol doesn't always mean it works.
This is great, finally. Now maybe Apple Pay has a chance of outdoing the starbucks app in number of transactions.
Hopefully Apple is working on further expansion (after over 4 years....): gas pumps, sit down restaurants, home depot, lowes, walmart, major grocery chains (frustrating that HEB still doesn't take it), websites are few and far between, etc, etc.
The marketing behind apple pay seems to be pretty horrible. Even 4 years later people are still wowed when they seem me use it, yet haven't tried it, and are afraid of security issues (despite of course being incredibly secure).
ffs even the cash app is doing a better job with marketing. 1$ off coffee anywhere.. discounts at chipotle (or other places you can choose).. If I wasn't a fan of Apple and a fan of simplicity (I love Apple Pay) I'd be using the cash app instead.
After 4 years, and beating everyone to the punch in terms of simplicity and security, Apple Pay should be much more dominant.
Once again, another huge miss in the services department.
My big complaint with ApplePay is not the system, rather that it’s often poorly marked and still has spotty enough availability that I’m often dont know whether it’s accepted at a merchant.
I've found that just seeing the little "sideways wifi symbol" is usually enough for me to give it a try-- I don't mind standing there like a doofus with my watch on the reader to see if it works. Some people at small places don't realize that they accept it-- mainly restaurants-- I did this at my dentist a couple days ago and her response was "oh, hey, I didn't know that worked."
If you see "contactless" or "swipe, insert or tap" or "tap to pay" that's usually a good clue-- In Europe lots of credit cards have the chips in them so tapping to pay with a credit card there is a lot more common-- and invariably Apple Pay works anywhere that tap to pay works.
On the other hand, My local Costco just got pumps that have the tap-to-pay readers in them, but they're not turned on yet, so just seeing the symbol doesn't always mean it works.
Yeah - that's pretty safe. There's a lot of places that don't have it that still accept ApplePay, though. I actually found a vending machine that had apple pay once!
Yes, need Walmart and Home Depot and that will change the 65% to something more like 80% of all stores that do accept AP. 8/10 isn't bad, but isn't great either. Still requires to be a guessing game.
This is awesome. We do almost all of our routine shopping at Target and HyVee. The Target app QR system did work well, so it was less of an issue there, but Apple Pay is still more convenient. I assume we’ll be able to add our Target card to Apple Pay. Wince we get a 5% discount with it, using a regular credit card there makes no sense.
It could mean that you can register your Target card as a separate card and use Apple Pay while still getting the 5% discount? I hope that's what it means.
Once fuel stations start supporting AP at the pump and H-E-B Grocery accepts it then 96% of my brick and mortar purchases will be with AP.
Do you have Sheetz where you live? They accept Apple Pay. The few seconds saved is especially valuable at a gas station, avoiding the need to take our your wallet, dip your card, enter the ZIP code, etc.
What I want to see Apple target is online payment of utilities. Many use a service called Bill Matrix which charges outrageous fees for you to be able to use your Check Card/ Debit Card. I paid Entergy (my electric utility) yesterday and Bill Matrix charged $2.95 just to process the transaction. CenterPoint Energy (my gas company) does the same.
In 2019 it should not cost that kind of fee to process a debit card. Since these are utilities you really do not have a choice for online payment unless you want to enter your checking account and give them automatic draft permission.
In Australia online payment of utility bills is free. It's a service called BPay. EFT payments are free at both ends, CC payments incur a fee to the vendor, but not the customer.
What I want to see Apple target is online payment of utilities. Many use a service called Bill Matrix which charges outrageous fees for you to be able to use your Check Card/ Debit Card. I paid Entergy (my electric utility) yesterday and Bill Matrix charged $2.95 just to process the transaction. CenterPoint Energy (my gas company) does the same.
In 2019 it should not cost that kind of fee to process a debit card. Since these are utilities you really do not have a choice for online payment unless you want to enter your checking account and give them automatic draft permission.
I use my credit union's bill pay system. While one can set up automatic payments, I do not. CU sends a check to whoever I want. No extra fees for me. I'm sure the CU is paying a fee, but they aren't passing it on to me. At least not in that form.
What I want to see Apple target is online payment of utilities. Many use a service called Bill Matrix which charges outrageous fees for you to be able to use your Check Card/ Debit Card. I paid Entergy (my electric utility) yesterday and Bill Matrix charged $2.95 just to process the transaction. CenterPoint Energy (my gas company) does the same.
In 2019 it should not cost that kind of fee to process a debit card. Since these are utilities you really do not have a choice for online payment unless you want to enter your checking account and give them automatic draft permission.
I use my credit union's bill pay system. While one can set up automatic payments, I do not. CU sends a check to whoever I want. No extra fees for me. I'm sure the CU is paying a fee, but they aren't passing it on to me. At least not in that form.
I’ve often wondered about that - Wells Fargo doesn’t charge me at all for using bill pay. I’m not sure exactly how the money gets transferred. My guess is it’s electronically whenever possible but for some payees it must involve mailing a check and I assume they pay for postage, etc. It could be that there are other processing efficiencies that make up for the cost?
Once fuel stations start supporting AP at the pump and H-E-B Grocery accepts it then 96% of my brick and mortar purchases will be with AP.
Do you have Sheetz where you live? They accept Apple Pay. The few seconds saved is especially valuable at a gas station, avoiding the need to take our your wallet, dip your card, enter the ZIP code, etc.
No. The 2300 mile round trip to the nearest one to me might negate the time savings of AP. I'm in Texas.
Once fuel stations start supporting AP at the pump and H-E-B Grocery accepts it then 96% of my brick and mortar purchases will be with AP.
Do you have Sheetz where you live? They accept Apple Pay. The few seconds saved is especially valuable at a gas station, avoiding the need to take our your wallet, dip your card, enter the ZIP code, etc.
I live where there’s Sheetz, I like that there’s Apple Pay, however I still have to pull up my card for them to scan my Sheetz card. It’s not like Walgreens where it just pops up which is annoying.
Also, Speedway is redoing all their gas stations here. Boggles my mind that they didn’t add contactless payments at the pump when they literally upgraded all of the terminals at the pump.
Once fuel stations start supporting AP at the pump and H-E-B Grocery accepts it then 96% of my brick and mortar purchases will be with AP.
Do you have Sheetz where you live? They accept Apple Pay. The few seconds saved is especially valuable at a gas station, avoiding the need to take our your wallet, dip your card, enter the ZIP code, etc.
I live where there’s Sheetz, I like that there’s Apple Pay, however I still have to pull up my card for them to scan my Sheetz card. It’s not like Walgreens where it just pops up which is annoying.
Also, Speedway is redoing all their gas stations here. Boggles my mind that they didn’t add contactless payments at the pump when they literally upgraded all of the terminals at the pump.
And I've seen plenty of new pumps in the past few months without chip readers -- so it's still using the mag stripe. I imagine the fuel stations will muscle their way into another credit card swipe extension again (because of stupidity on multiple levels).
This is where it's much quicker and more secure than other systems. Critical mass is when Home Depot climbs on board... With the addition of Target, I'm sure Walmart will too as well.
My prior post to similar topics went on unanswered by the OP's/writers as they generally made post saying bank institutions are accepting Apple Pay, meh.
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Glad secure payments are coming to Target.
It's too late for me, for the most part. My spending there has gone way down, it's rare we make the trek the burbs for Target these days.
Also, Speedway is redoing all their gas stations here. Boggles my mind that they didn’t add contactless payments at the pump when they literally upgraded all of the terminals at the pump.
This is where it's much quicker and more secure than other systems. Critical mass is when Home Depot climbs on board... With the addition of Target, I'm sure Walmart will too as well.
My prior post to similar topics went on unanswered by the OP's/writers as they generally made post saying bank institutions are accepting Apple Pay, meh.