Grocer Kroger launches QR code-based payment service, snubs Apple Pay

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Comments

  • Reply 21 of 52
    Hmm who do I trust with my financial information, the founders of the personal computer
    or grocery store..
    netmagewatto_cobra
  • Reply 22 of 52
    Wasn't Kroger the parent company of now bankrupted Cala Foods?


    slurpy said:
    I would have loved to be in the board meeting to see this insanely idiotic decision being made, and the morons that made it. This kind of payment system has failed each and every single time it's been implemented. Why do they think it will be different in their case? It's shit for the consumer.

    watto_cobra
  • Reply 23 of 52
    Idiotic if u ask me.. ! I love using Apple Pay with my Watch.. and i make a point of supporting establishments that allow Apple Pay. No shortage of them now a days... id say 85% of my transaction are through A-ple Pay now. So Krogers loss !
    watto_cobra
  • Reply 24 of 52
    Idiotic if u ask me.. ! I love using Apple Pay with my Watch.. and i make a point of supporting establishments that allow Apple Pay. No shortage of them now a days... id say 85% of my transaction are through A-ple Pay now. So Krogers loss !
    watto_cobra
  • Reply 25 of 52
    macguimacgui Posts: 1,365member
    charles1 said:
    I went to Target today, mostly to see if they had Apple Pay operating yet. There was no Apple logo on the card terminal, but it had the NFC payment logo so what the hell, I tried it. It worked. The checker said, "Hey you're like the third person to use that, it just rolled out Monday!" I was terribly tempted to tell him, it rolled out 3 years ago but Target snubbed it. But there is no sense pestering minimum wage checkout clerks about poor decisions by corporate management.
    How terribly decent of you to consider the plight of a lowly minimum wage employee. You're a real mensch. (No, not really.) The 'I was terribly tempted to tell him...' says a lot about you.



  • Reply 26 of 52
    macguimacgui Posts: 1,365member
    I stopped using CVS when they passed on Apple Pay. I think some stores had it for a day or two. There was a Walgreens a little farther away so they got my business. When CVS started using AP this time, I started using them again as they're in walking distance. Shop, use AP, and close a couple of rings in the process.

    For the most part, I shop where I can use AP, and pay cash (remember that?) if AP isn't available.

    My local Costco was supposed to be using it, but I tried twice — no joy. Both clerks said it doesn't work with a debit card. If true, it's something Costco did for whatever reason. I didn't bother trying with a credit card.

    The gas pumps at that store don't take any NFC payment yet. That's disappointing. I wish Arco took AP. 
    watto_cobra
  • Reply 27 of 52
    Did Kroger not learn from the failure of every other large retailer who tried the same thing? Massive failure, not to mention security holes everywhere.
    benji888netmagewatto_cobra
  • Reply 28 of 52
    Never liked Kroger and “their card”!!!! Walmart never asks me for a stinking card to get pricing! little do people know they sell that info to marketing companies and anyone else that comes along. I read an article years ago about those loyalty cards, it talked about the grocers selling your info to health insurance companies so that then they could tell you your eating the wrong foods so your premium will be increased! Don’t think it could happen? Think again!!!!!!!
    watto_cobra
  • Reply 29 of 52
    Not accepting standard NFC payments is asinine. In the future, people aren’t going to be scanning wallet app barcodes. They’re going to do what we’re doing now - waving a phone or watch in the briefest interaction possible. Denying NFC is denying reality.
    benji888LordeHawkwatto_cobra
  • Reply 30 of 52
    I am fortunate that I have enough grocers in my area that I can be particular.  So I only shop in those who accept ApplePay.

    My other preference is I avoid those who use so called "loyalty" incentives.   Not only do they raise prices to fund them but then use them to monitor my activity and also to force me to shop where THEY want me to shop in order to use the damn points.

    Kroger fails on both counts.
    But, as I said, I am fortunate to have options.
    watto_cobra
  • Reply 31 of 52
    bageljoey said:
    Idiotic if u ask me.. ! I love using Apple Pay with my Watch.. and i make a point of supporting establishments that allow Apple Pay. No shortage of them now a days... id say 85% of my transaction are through Apple Pay now. So Krogers loss !
    It amazes me how many checkout clerks are amazed when I pay with my watch. We got to do a better job of utilizing this option to make it a “must offer” for retailers!

    I get funny looks too when I use my Watch. They watch in amazement...lol. Great feature. I imagine Kroger will eventually give in like Target and some of the other hold outs.
    watto_cobra
  • Reply 32 of 52
    cropr said:

    Unlike Apple Pay, which employs NFC technology to securely transfer user credentials from an iPhone or Apple Watch to a compatible point of sale terminal, Kroger Pay and other QR code-based systems rely on visual assets that in some cases are more easily purloined by hackers. With one-time codes, Kroger's solution is more secure than static QR code options offered by competitors, but may not be as secure as Apple Pay's tokenized transaction technology that replaces credit card information with unique digital identifiers generated on a per-transaction basis.
    It remains to be seen if a dynamic QR code solution is less secure than a tokenized transaction..  If the dynamic QR code is actually a representation of a secure token, they are theoretically identical in terms of security. 

    If a customer is using a QR code for an e-commerce transaction on the phone, than the QR code is even more secure than Apple Pay, as it is considered as an out of band payment (the payment uses a different channel than the e-commerce transaction)
    The real issue is, you give them your credit/debit card number(s) and it’s stored on their servers, yet another chance of getting hacked. With Apple Pay your card numbers are only stored locally in your phone, not on their servers.
    GeorgeBMacwatto_cobra
  • Reply 33 of 52
    tyler82 said:
    Hmm who do I trust with my financial information, the founders of the personal computer
    or grocery store..
    Again, with Apple Pay, apple does not have access to your card numbers, they are stored locally in your iPhone, not on their servers, so not the same at all.
    watto_cobra
  • Reply 34 of 52
    Kroger is slowly in decline and is wearing out its welcome with customers. They are scraping the couch looking for ways to increase income due to a high cost unionized workforce in an industry notorious for thin margins and mostly non-union operators.

    Their problem is that the quality they offer is mass market, but their pricing is increasingly closer to the higher end stores. Think Wal-Mart quality at Fresh Market/Whole Foods prices.
  • Reply 35 of 52
    benji888 said:
    They don’t know how to manage their stores and they don’t know how to stock limited time major sale items, I have problems with their self check out too often, and, I gave up trying to use my own bags long ago because I would always need assistance, pressing “use my own bags” never works right, ...the list goes on. When I move again, I hope I will be able to avoid Kroger.
    Sorry you've had bad experiences with Kroger. Know that it's somewhat anecdotal, though. I've had hardly any problems using my own bags at Kroger self checkout lanes (full service lanes obviously aren't a problem at all), and, at least where I am, sale items are usually in stock. I don't think rejecting Apple Pay is the best long-term answer for them, but Kroger has so far managed to survive and grow in a notoriously low-margin business against competitors of immense scale, such as Walmart and Amazon/Whole Foods. Besides tight inventory control, they've done it through customer research, analytics and tracking. Based on their results, I'd say they're doing it better than almost anyone else. Keeping all that data in-house is why they decided on their own payment system. Still, they'll eventually have no choice but to give in. Why not just do it now?
    watto_cobra
  • Reply 36 of 52
    I give it 6 months of active use before they realize how stupid this is. Another 6 months to end denial over it. And then another 6 months to go Apple Pay. 
    I think your timeline is too short, but the process is essentially correct. I'll take three years in the pool.
    watto_cobra
  • Reply 37 of 52
    waltg said:
    Never liked Kroger and “their card”!!!! Walmart never asks me for a stinking card to get pricing! little do people know they sell that info to marketing companies and anyone else that comes along. I read an article years ago about those loyalty cards, it talked about the grocers selling your info to health insurance companies so that then they could tell you your eating the wrong foods so your premium will be increased! Don’t think it could happen? Think again!!!!!!!
    Kroger may do some of that, but their customer data primarily is used internally. They want to sell more to you, and they use tracking accounts to do it. And they're very good at it.
    watto_cobra
  • Reply 38 of 52
    mobirdmobird Posts: 220member
    slurpy said:
    This kind of payment system has failed each and every single time it's been implemented. Why do they think it will be different in their case? It's shit for the consumer.
    Kinda like socialism...
    watto_cobra
  • Reply 39 of 52
    benji888 said:
    tyler82 said:
    Hmm who do I trust with my financial information, the founders of the personal computer
    or grocery store..
    Again, with Apple Pay, apple does not have access to your card numbers, they are stored locally in your iPhone, not on their servers, so not the same at all.
    Actually that’s not quite correct - in Apple Pay, your number is not stored anywhere - which is part of the point. 
    GeorgeBMacwatto_cobra
  • Reply 40 of 52
    They make this sound new and revolutionary, but how is this different than paying with something like my Starbucks app???  

    At least I have a choice  with Starbucks.  I can use Apple Pay if I just want to run it through my credit card, or I can use their app if I want to pay with a gift card someone gave me. With the app I earn points and get rewards, but I am aware they are tracking/profiling me. With Apple Pay I am anonymous. My choice.  
    watto_cobra
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