You have to be either stupid, crazy, a Luddite, or all three (and an Android user) not to understand that Apple Pay is the most secure form of payment yet invented — and for people with an Apple Watch, the fastest and most convenient as well. Apple Pay is safer than cash, cheque, all other credit cards — even (given the problems we’ve seen) more secure than cryptocurrency at present (and, unlike crypto, will protect you if somehow your ApplePay is misused by say a soon-to-be-divorced spouse or something).
In countries with their act together, Apple Pay doesn’t require a signature or PIN input (as designed), but does have a limit of $100 (which should be raised, but I get it, these are still early days for this tech). Apart from Apple’s hardware, Apple Pay has been the single best service/software to add value to my life. I use it constantly, and am genuinely shocked when (mostly in the US) I encounter some business too dumb or stubborn (usually both) to implement it. It’s insane to me that not every transit system on earth has adopted it yet.
And now there’s Apple Card ... the future is “not so much mindless data-gathering,” merchants, and you’d better get used to that.
Using Apple Pay at Sheetz with an Apple Watch is such a pleasure. Especially on a bitter cold day when every second counts.
You can leave your gloves on; no fiddling with your wallet; no entering your ZIP code. It's great.
I used Apple Pay at another gas station and it was not quite as great, as it still asked for my ZIP code. Weird.
I believe a lot of the weirdness we sometimes encounter with Apple Pay is a limit/choice of implementation of that particular business. There’s a grocery store near me that requires a signature on any Apple Pay transaction over $25. A few stores down is a diner we frequent that takes Apple Pay and so far I haven’t had to sign at all, with meals up to about $50, anyway.
The grocery store where I do most of my shopping (Big Y) raised their signature required limit to somewhere north of $150. I don’t know the limit because I haven’t hit it yet, but I never have to sign and I don’t have to do anything other than hold my Watch up to the terminal while they’re scanning my items. Meanwhile, right next door is an Ocean State Job Lot that also accepts Apple Pay, but when I use it I always have to wait until all items are scanned before I can pay and then I have to tap the button that says “credit” on the screen that offers credit or debit. Huh? I’m using a credit card, not a debit card, shouldn’t the system realize that and not ask?
Either way, I’m happy that all of these places take Apple Pay and feel it can only help to drive adoption and awareness of contactless payments. These oddities will be a thing of the past in the (hopefully) not too distant future.
My friend has no trouble sticking her debit card into a gas pump (the largest source of scanners) -- but refuses to use ApplePay because she thinks it is too risky. Nothing I have been able to say seems to convince her otherwise.
Apple has a mountain to climb. ... She probably won't be convinced till her kids start using it and she looks old fashioned and foolish.
Not only that. Many merchants mix up the idea that their NFC device would not take ApplePay, because they think that it is something that they have to get from Apple. In fact many merchants are not aware that their device can process contactless transactions. The thing is that where ever there is a contactless point of sale device, transactions through Apple, Android and Samsung Pay can be processed but many consumers and merchants aren’t aware. Also most people are looking for that Apple Pay sticker before they think to use it. But a contactless POS device is a contactless device. It doesn’t need a sticker from Apple, Android, or Samsung.
I for one, love Apple Pay. Weirdly, all my hipster co-workers (all of whom are iPhone users) think Apple Pay is "for old people". I don't get it.
I wish I had kept track of how many times the person behind the counter exclaimed something to the effect "I didn't even know our system did that!". It is becoming less frequent though. It will catch on eventually. Like Steve said "death will take care of that.".
All you need to do is convince one hipster co-worker to use it, the rest will fall in line.
The reason why you might still need punch in your PIN is because the card you are using is a debit card. It’s less about who you are and more about the card you are using. If you choose your credit card, no PIN required.
Apple Pay is about creating a digital version of the cards you put into your Digital Wallet on your phone, your Watch, your iPad and your MacBook with TouchID ie a debit card has 5 iterations including the plastic card.
I bank with Chase. I don’t need my actual plastic debit card to withdraw money. I just tap my watch or phone, choose the Chase debut card as if I was using the plastic one, and type in the PIN. ✅
The security lies in the fact that each device being its own debit card, has its own 4 digit “card” number and that’s what you’ll see on the receipt when you pay. It’s “fake” and the establishment is later hacked, all they get is a number that’s meaningless to them.
Just 13 percent claimed they would be "no more likely" to use Apple Pay if they had Apple Card, and 7 percent admitted they were not interested in Apple Pay at all.
Hmm, I would probably fall into the "no more likely" category but that's simply because I'm extremely likely to Apple Pay right now, wherever I can. Having Apple Card won't change that. But the way it's worded makes it sound like 13% of respondents wouldn't really be using Apple Pay very often, especially when the next line is saying how 7% were not interested in Apple Pay at all. That makes me think those 7% are just ill informed.
I too found the interpretation of that response kinda weird. I'm already 100% prepared to use Apple Pay. Having an Apple Card won't make me any MORE likely to use it because I'm already at maximum likely. That question is an example of why I have trouble with most surveys -- the questions so often leave room for more than one interpretation.
I dont use Apply Pay for a simple reason. It is three times the hassle of using a credit card.
1. Remove iphone from holster 2. turn on iphone (thumb or PIN - dont have face version) 3. hold near the receiver and wait 4. return to holster
All this takes what? 1 -1.5 mins with lots of fumbling with phone. Compare wth CC:
1. remove wallet and card from wallet 2. swipe, or stick in slot, or wave near reader. Wait till done. Most are several seconds now. 3. return card to wallet, then poket.
All this takes maybe 30 seconds. So much quicker and easier.
I dont use Apply Pay for a simple reason. It is three times the hassle of using a credit card.
1. Remove iphone from holster 2. turn on iphone (thumb or PIN - dont have face version) 3. hold near the receiver and wait 4. return to holster
All this takes what? 1 -1.5 mins with lots of fumbling with phone. Compare wth CC:
1. remove wallet and card from wallet 2. swipe, or stick in slot, or wave near reader. Wait till done. Most are several seconds now. 3. return card to wallet, then poket.
All this takes maybe 30 seconds. So much quicker and easier.
Huh? I use Apple Pay on a daily basis and can confirm that I spend much less time to fully complete an Apple Pay transaction than my credit card spends in the chip reader alone.
By the way, your step 2 can be mostly eliminated. Unless your phone is completely powered off all you have to do is:
1 remove iPhone from holster 2 hold near receiver and place finger or thumb on TouchID 3 return iPhone to holster
When you hold your iPhone up to an NFC capable terminal it will detect that you are trying to make a payment, turn the display on showing the credit cards you have in Wallet and simply requiring authentication to complete the transaction.
I dont use Apply Pay for a simple reason. It is three times the hassle of using a credit card.
1. Remove iphone from holster 2. turn on iphone (thumb or PIN - dont have face version) 3. hold near the receiver and wait 4. return to holster
All this takes what? 1 -1.5 mins with lots of fumbling with phone. Compare wth CC:
1. remove wallet and card from wallet 2. swipe, or stick in slot, or wave near reader. Wait till done. Most are several seconds now. 3. return card to wallet, then poket.
All this takes maybe 30 seconds. So much quicker and easier.
Huh? I use Apple Pay on a daily basis and can confirm that I spend much less time to fully complete an Apple Pay transaction than my credit card spends in the chip reader alone.
By the way, your step 2 can be mostly eliminated. Unless your phone is completely powered off all you have to do is:
1 remove iPhone from holster 2 hold near receiver and place finger or thumb on TouchID 3 return iPhone to holster
When you hold your iPhone up to an NFC capable terminal it will detect that you are trying to make a payment, turn the display on showing the credit cards you have in Wallet and simply requiring authentication to complete the transaction.
Yup. Note that you hold your finger on the button but do NOT press it.
Start with the phone 'dark." Rest your finger on the Home button and place the phone to the reader the same way you would a card. The phone will "magically" activate in Apple Pay mode and complete the transaction. The only difference between using the phone versus your card is having your finger over the Home button. Otherwise it's exactly the same.
This is one thing that Face ID actually made slightly LESS convenient.
I had only used Apple Pay once because I accidentally left my wallet at home and I needed gas badly at that moment. Credit cards are still my go-to payment method even my "Wallet" app has all the cards in there. This is more of a habit that I'm used to. Not to mention when pumping gas, who wants to walk all the way in the store just to use Apple Pay when the pump accepts only cards.
More pumps are being modified to take payments right at the pump, including Apple Pay. This is starting to rollout at Costco gas pumps, for example.
I've been curious about this for awhile - as I've begun to see wireless payment options on gas pumps. How does it actually work, though? I mean, in a typical ApplePay (or credit card) transaction, you pay *after* receiving the product or service. But on gas pumps, you need to authenticate - usually by sliding your cc - before you can even begin to pump. Does an ApplePay accepting pump basically do two transactions? One with "zero" amount to authenticate and then another once you've pumped?
For pay at the pump, merchants can use one of 2 processes generally. 1. Send a realtime (PreAuth) transaction to validate the card (if gas prices are high, it may send an amount to hold, like $150, but usually it's $0). Once pumping is complete, a 2nd realtime (Completion) transaction is sent with the amount of the sale and finally, a (Capture) transaction is sent usually batched once a day with all the Card transactions is sent. The money is moved into the merchant's account in 2-3 days. I'm pretty sure this is the preferred process by Visa, MC, AmEx, etc. 2. Send a realtime (PreAuth) transaction with an amount to hold on funds, but the final amount is sent in the batched (Capture) transaction. This process is or may have been phased out because the full hold on the cardholder's account is in place for several days (meaning that if a $150 hold is placed but only $20 of gas is pumped, $130 isn't available for the cardholder to use until the Capture is processed, 2-3 days up to 14 days).
The above applies to all card transactions not just ApplePay. Basically, ApplePay and GooglePay, use a substitute card number (called a token) for transaction instead of the real card number. This also why generally terminals don't know that ApplePay (and GooglePay) has enhanced security by needing another authentication (passcode, fingerprint, or faceId). To them it is still a card number (and other data too). I've seen some terminals and the data format for transactions start to support the enhanced authentication that ApplePay brings.
Comments
In countries with their act together, Apple Pay doesn’t require a signature or PIN input (as designed), but does have a limit of $100 (which should be raised, but I get it, these are still early days for this tech). Apart from Apple’s hardware, Apple Pay has been the single best service/software to add value to my life. I use it constantly, and am genuinely shocked when (mostly in the US) I encounter some business too dumb or stubborn (usually both) to implement it. It’s insane to me that not every transit system on earth has adopted it yet.
And now there’s Apple Card ... the future is “not so much mindless data-gathering,” merchants, and you’d better get used to that.
You can leave your gloves on; no fiddling with your wallet; no entering your ZIP code. It's great.
I used Apple Pay at another gas station and it was not quite as great, as it still asked for my ZIP code. Weird.
The grocery store where I do most of my shopping (Big Y) raised their signature required limit to somewhere north of $150. I don’t know the limit because I haven’t hit it yet, but I never have to sign and I don’t have to do anything other than hold my Watch up to the terminal while they’re scanning my items. Meanwhile, right next door is an Ocean State Job Lot that also accepts Apple Pay, but when I use it I always have to wait until all items are scanned before I can pay and then I have to tap the button that says “credit” on the screen that offers credit or debit. Huh? I’m using a credit card, not a debit card, shouldn’t the system realize that and not ask?
Either way, I’m happy that all of these places take Apple Pay and feel it can only help to drive adoption and awareness of contactless payments. These oddities will be a thing of the past in the (hopefully) not too distant future.
Hahah that's funny -- I'm workin' on it!
Apple Pay is about creating a digital version of the cards you put into your Digital Wallet on your phone, your Watch, your iPad and your MacBook with TouchID ie a debit card has 5 iterations including the plastic card.
I bank with Chase. I don’t need my actual plastic debit card to withdraw money. I just tap my watch or phone, choose the Chase debut card as if I was using the plastic one, and type in the PIN. ✅
The security lies in the fact that each device being its own debit card, has its own 4 digit “card” number and that’s what you’ll see on the receipt when you pay. It’s “fake” and the establishment is later hacked, all they get is a number that’s meaningless to them.
1. Remove iphone from holster
2. turn on iphone (thumb or PIN - dont have face version)
3. hold near the receiver and wait
4. return to holster
All this takes what? 1 -1.5 mins with lots of fumbling with phone. Compare wth CC:
1. remove wallet and card from wallet
2. swipe, or stick in slot, or wave near reader. Wait till done. Most are several seconds now.
3. return card to wallet, then poket.
All this takes maybe 30 seconds. So much quicker and easier.
By the way, your step 2 can be mostly eliminated. Unless your phone is completely powered off all you have to do is:
2 hold near receiver and place finger or thumb on TouchID
3 return iPhone to holster
When you hold your iPhone up to an NFC capable terminal it will detect that you are trying to make a payment, turn the display on showing the credit cards you have in Wallet and simply requiring authentication to complete the transaction.
Start with the phone 'dark." Rest your finger on the Home button and place the phone to the reader the same way you would a card. The phone will "magically" activate in Apple Pay mode and complete the transaction. The only difference between using the phone versus your card is having your finger over the Home button. Otherwise it's exactly the same.
This is one thing that Face ID actually made slightly LESS convenient.
The above applies to all card transactions not just ApplePay. Basically, ApplePay and GooglePay, use a substitute card number (called a token) for transaction instead of the real card number. This also why generally terminals don't know that ApplePay (and GooglePay) has enhanced security by needing another authentication (passcode, fingerprint, or faceId). To them it is still a card number (and other data too). I've seen some terminals and the data format for transactions start to support the enhanced authentication that ApplePay brings.
Maybe TMI, but I hope that helps.