[ARCHIVED THREAD] - Apple pay (Page 1 of 2)
Posted: 5/10/2015 6:51:32 PM EDT
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did.
Who uses it? Love it? Hate it? |
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Is it that much more convenient than a credit card? With as often as I wear cards out, yes. Some of the readers are just violent on cards. It's a few less steps than pulling my card out of my wallet too. I use it at Albertsons, Thriftway, and Whole Foods. Fred Meyer has the equipment but hasn't turned the feature on yet. I'd like the gas stations to accept it though, because those guys like to fuck my cards up (And thanks to Oregon law, they are in control of the pumps). |
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Is it that much more convenient than a credit card? It can be if you're one who keeps your phone in your hand all the time. It keeps you from digging through your wallet/purse. I've used it a few times. I think if there were more NFC capable devices it would get more use. Like vending machines, bus/train stops, especially gas pumps. Like in some places over seas |
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? I like it when I can find a place where it works. You will be waiting on Walmart for a long while. Walmart is one of the leaders of a competitive system that they and other retailers can avoid credit card fees. So they have no incentive to accept ApplePay. |
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I like it when I can find a place where it works. You will be waiting on Walmart for a long while. Walmart is one of the leaders of a competitive system that they and other retailers can avoid credit card fees. So they have no incentive to accept ApplePay. Quoted:
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? I like it when I can find a place where it works. You will be waiting on Walmart for a long while. Walmart is one of the leaders of a competitive system that they and other retailers can avoid credit card fees. So they have no incentive to accept ApplePay. I've read multiple places that Walmart will begin taking it this summer. So we'll just have to see what happens. Posted Via AR15.Com Mobile |
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When I use it at my local McDonalds, it works the way it's supposed to: 1) Hold phone near device (phone automatically turns on, opens app, and brings up default CC). 2) Touch thumb to home button (check mark appears) 3) There is no step 3. Unfortunately, some idiot businesses still require you to sign their keypad, etc, which is a totally unnecessary step. This will change over time. I can use it at McDonalds, a few gas stations, my grocery store, Panerra Bread, etc. |
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Quoted: Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? I ran to Walgreens the other day and about the time I parked... I realized I had forgotten my wallet at the house. Used ApplePay to pay for my transaction. Saved me a round-trip back home to fetch my wallet. I was tickled. 
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With as often as I wear cards out, yes. Some of the readers are just violent on cards. It's a few less steps than pulling my card out of my wallet too. I use it at Albertsons, Thriftway, and Whole Foods. Fred Meyer has the equipment but hasn't turned the feature on yet. I'd like the gas stations to accept it though, because those guys like to fuck my cards up (And thanks to Oregon law, they are in control of the pumps). Are you old enough to have seen one of these? Talk about cracked cards. 
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I've read multiple places that Walmart will begin taking it this summer. So we'll just have to see what happens. Posted Via AR15.Com Mobile Quoted:
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? I like it when I can find a place where it works. You will be waiting on Walmart for a long while. Walmart is one of the leaders of a competitive system that they and other retailers can avoid credit card fees. So they have no incentive to accept ApplePay. I've read multiple places that Walmart will begin taking it this summer. So we'll just have to see what happens. Posted Via AR15.Com Mobile That is the rumor, along with Best Buy. |
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If you want to speed it up... While you're in line, open the passbook and select your method of payment by tapping the card. Put your thumb on the reader like normal and it'll be ready to pay as soon as the machine totals up. It will stay ready until you exit the passbook. Also, a great thread on it... |
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I love it. It's also much safer than a CC. The vendor gets zero CC info, so you're safe if their system gets hacked (like many have). More places in big cities accept it. I recently paid for a taxi in NYC.  
Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable
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Fuck that. No thanks. Don't need another attack and marketing vector against my credit card. This here. With how easy it is to hack those things? No fucking way am I using it. What's the consumer protection on it when your account gets raped? Probably zero or not nearly enough. No bias here, BlackBerry, iPhone, Android no thanks to any of them and financial apps. |
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I was using it when it was called Google Wallet. It's somewhat useful, I won't say it's faster or better than a card though. I carry a money clip with two card pockets. I've never had that take longer than a few seconds. I could only see it adding value once I can leave my card home. Since NFC pay options are not yet ubiquitous and I have to carry a card anyway, its not different enough to warrant using it.
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Quoted: This here. With how easy it is to hack those things? No fucking way am I using it. What's the consumer protection on it when your account gets raped? Probably zero or not nearly enough. No bias here, BlackBerry, iPhone, Android no thanks to any of them and financial apps. Quoted: Quoted: Fuck that. No thanks. Don't need another attack and marketing vector against my credit card. This here. With how easy it is to hack those things? No fucking way am I using it. What's the consumer protection on it when your account gets raped? Probably zero or not nearly enough. No bias here, BlackBerry, iPhone, Android no thanks to any of them and financial apps.  |
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Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable Quoted:
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I love it. It's also much safer than a CC. The vendor gets zero CC info, so you're safe if their system gets hacked (like many have). More places in big cities accept it. I recently paid for a taxi in NYC.
Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable No need to be jealous. If you can't afford the luxury of iPhone, I think I have a spare one around here somewhere that you can have for free. It's an iPhone 4, but hey, it works. just let me know. |
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Quoted: No need to be jealous. If you can't afford the luxury of iPhone, I think I have a spare one around here somewhere that you can have for free. It's an iPhone 4, but hey, it works. just let me know. Quoted: Quoted: Quoted: I love it. It's also much safer than a CC. The vendor gets zero CC info, so you're safe if their system gets hacked (like many have). More places in big cities accept it. I recently paid for a taxi in NYC. Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable No need to be jealous. If you can't afford the luxury of iPhone, I think I have a spare one around here somewhere that you can have for free. It's an iPhone 4, but hey, it works. just let me know. Google wallet had Apple beat since 2011. Google even loaded $10 into the app for free. It's a pretty cool idea but after using it a couple times I just found it easier to swipe my card. |
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Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable Quoted:
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I love it. It's also much safer than a CC. The vendor gets zero CC info, so you're safe if their system gets hacked (like many have). More places in big cities accept it. I recently paid for a taxi in NYC.
Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable if you don't think tokenization of your CC info protects you more than using a physical card, I don't know what to tell you |
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Quoted: Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? Apple pay is overrun with Fraud. I stay far far away from it. |
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Apple pay is overrun with Fraud. I stay far far away from it. Quoted:
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? Apple pay is overrun with Fraud. I stay far far away from it. Oh? |
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Apple pay is overrun with Fraud. I stay far far away from it. Quoted:
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? Apple pay is overrun with Fraud. I stay far far away from it. I haven't heard any fraud concerning it. I would think that would be pretty big news on the web. I did read about the double charges when it first went live but those problems with ApplePay and the banks were fixed |
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Oh? Quoted:
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Got an iPhone 6 about a month ago (after being on Android for 5 years). Love Apple Pay. Use it at Walgreens. Jewel (Chicago area grocery chain), Meijer. Waiting for Walmart and Target to take it. Wished to gas stations did. Who uses it? Love it? Hate it? Apple pay is overrun with Fraud. I stay far far away from it. Oh? I don't believe an Apple pay user (or the apple pay system) has been compromised, but already-stolen and sold card info can be loaded into an Apple pay account without any secondary verification. In that sense, non- Apple pay users can be victims of Apple pay... but only if their card has already been compromised. |
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Google wallet had Apple beat since 2011. Google even loaded $10 into the app for free. It's a pretty cool idea but after using it a couple times I just found it easier to swipe my card. Quoted:
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I love it. It's also much safer than a CC. The vendor gets zero CC info, so you're safe if their system gets hacked (like many have). More places in big cities accept it. I recently paid for a taxi in NYC.
Only apple users think that adding a layer somehow protects you. Ever hear about how paypal can freeze your bank account? Or ebay? Add to that PCI compliance says no vendor can store credit card info.... that sure seems to stop them from doing it and getting hacked..... Apple users, knowing nothing and claiming its better since ignorance became acceptable No need to be jealous. If you can't afford the luxury of iPhone, I think I have a spare one around here somewhere that you can have for free. It's an iPhone 4, but hey, it works. just let me know.
Google wallet had Apple beat since 2011. Google even loaded $10 into the app for free. It's a pretty cool idea but after using it a couple times I just found it easier to swipe my card. This Been using Google Wallet since it started. Its good for some things, not for others. Apple likes to have its sheeple think they came up with the idea and thats fine. It just makes more stores jump on the tap-n-go pay wagon that benefits Google as well without having to pay for partnerships. |
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http://www.nytimes.com/2015/03/17/business/banks-find-fraud-abounds-in-apple-pay.html?_r=0 There is some debate, obviously, over where the problem lies. The few FIs I deal with are hemorrhaging money through apple pay right now. |
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Quoted: I don't believe an Apple pay user (or the apple pay system) has been compromised, but already-stolen and sold card info can be loaded into an Apple pay account without any secondary verification. In that sense, non- Apple pay users can be victims of Apple pay... but only if their card has already been compromised. Bear in mind, I'm looking at it from the systems side, not the consumer side. |
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It can be if you're one who keeps your phone in your hand all the time. It keeps you from digging through your wallet/purse. I've used it a few times. I think if there were more NFC capable devices it would get more use. Like vending machines, bus/train stops, especially gas pumps. Like in some places over seas Quoted:
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Is it that much more convenient than a credit card? It can be if you're one who keeps your phone in your hand all the time. It keeps you from digging through your wallet/purse. I've used it a few times. I think if there were more NFC capable devices it would get more use. Like vending machines, bus/train stops, especially gas pumps. Like in some places over seas That. NFC was tried a few years ago with a chip-embedded card and I tried it out a few times but more often than not, the reader did not work. |
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http://www.nytimes.com/2015/03/17/business/banks-find-fraud-abounds-in-apple-pay.html?_r=0 http://www.cnbc.com/id/102477081 http://www.pymnts.com/news/2015/spike-in-fraud-has-experts-doubting-apple-pay/#.VVDUSvlVhBc http://www.theverge.com/2015/3/4/8149663/apple-pay-credit-card-fraud-banks There is some debate, obviously, over where the problem lies. The few FIs I deal with are hemorrhaging money through apple pay right now. I heard about those but I don't really consider that fraud from using ApplePay. Those seem to come from already compromised cards and numbers. When you said fraud I was thinking more using ApplePay and your info was stolen and used elsewhere. ETA:See you answered above |
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That mirrors my understanding as well. Bear in mind, I'm looking at it from the systems side, not the consumer side. Quoted:
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I don't believe an Apple pay user (or the apple pay system) has been compromised, but already-stolen and sold card info can be loaded into an Apple pay account without any secondary verification. In that sense, non- Apple pay users can be victims of Apple pay... but only if their card has already been compromised. Bear in mind, I'm looking at it from the systems side, not the consumer side. I think the fix is fairly straightforward, because Apple and your CC company have all of the data necessary to permit easy secondary verification. It's really more on the CC companies, and when THEY get hit with sufficient fraudulent transactions, they'll start requiring a secondary verification. The real problem is that most consumers don't pay enough attention to their card activity. |
| Google Wallet is okay, I use it more for sending money to people than for NFC transactions since there aren't a ton of NFC terminals around me yet. I'm more excited about the LoopPay technology in the new Galaxy phones since it claims to generate a small magnetic field that works with the older card swipe machines, sidestepping NFC entirely. |
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Amex had a wireless keyfob called ExpressPay around 10 years ago. I thought it was great, wave it at the terminal and you're done. They canceled it back in 2008 due to lack of adoption among card holders who were dubious about security. But now that Apple has "invented" the idea, I'm sure it will be big.  |
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Amex had a wireless keyfob called ExpressPay around 10 years ago. I thought it was great, wave it at the terminal and you're done. They canceled it back in 2008 due to lack of adoption among card holders who were dubious about security. But now that Apple has "invented" the idea, I'm sure it will be big.
Exxon had a similar thing for quickpay at the pump. Just wave the tiger tail at the reader.. |
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Quoted: From the articles posted, this seems to be their own fault. Quoted: Quoted: The few FIs I deal with are hemorrhaging money through apple pay right now. From the articles posted, this seems to be their own fault.  I haven't gotten around to those issues due to other more pressing issues, if that tells you anything. |
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I think the fix is fairly straightforward, because Apple and your CC company have all of the data necessary to permit easy secondary verification. It's really more on the CC companies, and when THEY get hit with sufficient fraudulent transactions, they'll start requiring a secondary verification. The real problem is that most consumers don't pay enough attention to their card activity. Quoted:
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I don't believe an Apple pay user (or the apple pay system) has been compromised, but already-stolen and sold card info can be loaded into an Apple pay account without any secondary verification. In that sense, non- Apple pay users can be victims of Apple pay... but only if their card has already been compromised. Bear in mind, I'm looking at it from the systems side, not the consumer side. I think the fix is fairly straightforward, because Apple and your CC company have all of the data necessary to permit easy secondary verification. It's really more on the CC companies, and when THEY get hit with sufficient fraudulent transactions, they'll start requiring a secondary verification. The real problem is that most consumers don't pay enough attention to their card activity. The credit card companies already have a very effective system for dealing with fraud. We pay for it. Why change what works? |
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One of our folks is implementing a digital "wallet" where you store you CCs and gift cards and such. I'm skeptical as hell, but so far the security seems to be pretty good. Losing your locked and encrypted iPhone is much safer than losing your physical wallet these days. |