I wish more restaurants would use Apple Pay at the table for payment. I really hate seeing my card leave the table to get scanned. Maybe Apple needs to offer a hardware soluton that makes this easier for the restaurants or the makers of restaurant management software.
Some restaurants have these little tablet-kiosks on the table. IME, while they work for paying, they take up room on the table end up getting packed with pay-for-play games that the kids bug us to play and make it so the servers never bother to check with you, so they end up being a net negative. I’d rather the server just have an iphone with NFC scanner like they do in the Apple Store.
I wish more restaurants would use Apple Pay at the table for payment. I really hate seeing my card leave the table to get scanned. Maybe Apple needs to offer a hardware soluton that makes this easier for the restaurants or the makers of restaurant management software.
Every restaurant I’ve been to in Greece can take ApplePay right at the table, as well as credit cards. And wireless credit card systems are in ubiquitous use throughout the world outside of the US, whether they take ApplePay or not. There’s no reason a country as affluent as the US should be behind Greece. Apple has hardware solutions they use in their own stores, which I’m sure they could offer to businesses, and even target restaurants. So it’s a real head scratcher ... then again, the US just got the chip which Europe has had for over a decade, and still have useless signature requirements with no secure PIN in sight ...
Translation: they track all your perchases, no matter how personal. Wal Mart is making you another product that they can sell.
The clear advantage for Apple Pay for me is the privacy, including the tokenized card numbers so that The store doesn’t have them to lose, and they can track my purchase because they don’t know who they sold them to. Almost like paying cash.
"They're tracking your purchases" is a somewhat specious complaint. They could track purchases made with a credit card even when a user doesn't use the app. If they wanted to.
Right, but not if they allowed Apple Pay...
That depends on whether the card issuer keeps track of the token Apple Pay sends. I mean, that token is attached to both the biller, i.e. Walmart, and the sale, so while Walmart might not be able to attach purchases to any given individual (and honestly, I think they could do even that given cooperation from the card issuer), but they can attach them to a purchaser, even if they can't identify that person.
The card issuer absolutely has a record of that token (else they wouldn't be able to bill the purchaser), and could (absent any contractual agreement with Apple) share that with the biller to match purchases with buyers.
"They're tracking your purchases" is a somewhat specious complaint. They could track purchases made with a credit card even when a user doesn't use the app. If they wanted to.
But they CAN’T track your purchases if you use ApplePay.
Unless neither Walmart nor the card issuer is saving the token, yes they can. The card issuer needs the token to bill the right user. Walmart needs the token to verify the user with the card issuer.
That token is just data, so unless there is some contractual agreement not to, they can absolutely link purchases to buyers.
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The card issuer absolutely has a record of that token (else they wouldn't be able to bill the purchaser), and could (absent any contractual agreement with Apple) share that with the biller to match purchases with buyers.
That token is just data, so unless there is some contractual agreement not to, they can absolutely link purchases to buyers.