Apple Pay: anyone here use it yet?

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    Oct 28, 2014 3:52 AM GMT
    I finally got around to activating Apple Pay on my iPhone 6. Only the 6 has the NFC capability. The Apple side of the software equation was easy, as one would expect.

    But then I ran into a problem with my bank approving my account for use with Apple Pay and linking to it. Their new Apple Pay app, needed for installation, kept stalling. And then it took over an hour of waiting for the bank to flip the switches at their end to complete the process.

    But now I've got it running, just haven't tried it yet. It's not quite clear to me how to actually operate it. We do have sites in our area. Although I just read that some businesses like Wal-Mart won't be using it (but then I don't shop there anyway)

    Seems some of the big retailers want to go with their own system, that doesn't rely upon accounts with Master Card or Visa, to save them money.

    So is anyone here actually using this thing?
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    Oct 28, 2014 4:31 AM GMT
    In before Southbeach crashes this thread!
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    Oct 28, 2014 4:39 AM GMT

    Probably needs a bit more beta testing icon_neutral.gif


    CVS And Rite-Aid Turn Off Apple Pay
    http://www.forbes.com/sites/paularosenblum/2014/10/27/cvs-and-rite-aid-turn-off-apple-pay-why/
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    Oct 28, 2014 4:45 AM GMT
    I just bought a bicycle for $1300+ via Apple Pay. It works. icon_cool.gif
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    Oct 28, 2014 5:38 AM GMT
    scruffLA said
    Probably needs a bit more beta testing icon_neutral.gif
    CVS And Rite-Aid Turn Off Apple Pay
    http://www.forbes.com/sites/paularosenblum/2014/10/27/cvs-and-rite-aid-turn-off-apple-pay-why/

    I hope they fail miserably. I'm all for competition, but not at the expense of consumers. Plus, their proposed system is seriously flawed. Paying with a QR code is just ripe for abuse and fraud.
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    Oct 28, 2014 5:55 AM GMT
    xrichx said
    scruffLA said
    Probably needs a bit more beta testing icon_neutral.gif
    CVS And Rite-Aid Turn Off Apple Pay
    http://www.forbes.com/sites/paularosenblum/2014/10/27/cvs-and-rite-aid-turn-off-apple-pay-why/

    I hope they fail miserably. I'm all for competition, but not at the expense of consumers. Plus, their proposed system is seriously flawed. Paying with a QR code is just ripe for abuse and fraud.



    If its anything like video and photos, your purchasing and credit info could be uploaded to the cloud too.
    I myself, prefer cash transactions whenever possible




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    Oct 28, 2014 5:56 AM GMT
    xrichx saidI'm all for competition

    Anything that Apple brings out will not be open and available for everyone; in other words, it's highly unlikely that you'll see Apple Pay on Android or Windows Mobile devices.

    The ones who need to come up with a mobile payment solution are the same ones who currently provide us with our highly secure credit cards. icon_twisted.gif

    Sarcasm aside, it should be done by the same group that's doing the EMV chip credit cards.
  • somedaytoo

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    Oct 28, 2014 10:15 AM GMT
    Did iPhones finally add NFC? Windows Phones have had this for years, but nice to see Apple playing catch up.
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    Oct 28, 2014 12:16 PM GMT
    How do I verified my profile picture
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    Oct 28, 2014 12:35 PM GMT
    somedaytoo saidDid iPhones finally add NFC? Windows Phones have had this for years, but nice to see Apple playing catch up.

    The latest iPhone 6 and 6 Plus have NFC (near-field communication). I believe Apple Pay can be used on the same NFC store devices that other smartphones do. It's just the way in which Apple processes the information at their end, with your bank, that is different, not how it communicates with the NFC store device.

    So these decisions by CVS (another store I won't use) and others to develop and use their own technology is not specifically targeting Apple. I believe it concerns the bank side, where the big retailers don't want to have any involvement by Visa and MasterCard in the billing, as Apple Pay and others do. If I read these news reports correctly.
  • theob

    Posts: 64

    Oct 28, 2014 1:47 PM GMT
    I bought some sushi at Whole Foods with it. I also bought a bunch of random stuff from the Target app with it.

    I'm disappointed with retailers. Frankly, I think they're being selfish. Apple has created an awesome system for doing mobile payments, and all these retailers can think about is how to cut out the middle man. What about your customers who clearly like to pay this way?
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    Oct 28, 2014 2:44 PM GMT
    theob said... disappointed with retailers...
    i got a bogus charge of ~$200 from a out of state homeDepot. Had to re issue the credit card. Dont see how security can get worse.

    -It would save time to avoid paper receipts
    -its going to take a long time for retailers to adopt to new technology

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    Oct 28, 2014 6:45 PM GMT
    Apple Pay? Does it make you pay again every 12-18 months?
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    Oct 28, 2014 9:01 PM GMT
    somedaytoo saidDid iPhones finally add NFC? Windows Phones have had this for years, but nice to see Apple playing catch up.

    Don't be silly; everyone knows that Apple invented NFC. They just had to wait until they perfected it before they started using it in their phones.   icon_rolleyes.gif
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    Oct 28, 2014 9:02 PM GMT
    Stormi14 saidHow do I verified my profile picture

    Look for the Verify app on your iPhone.
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    Oct 29, 2014 1:23 AM GMT
    Stormi14 saidHow do I verified my profile picture

    Have you checked this RJ link?

    http://www.realjock.com/verifyprofile/
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    Oct 29, 2014 2:24 AM GMT
    Macy's printed out a training alert to all of it's employees on the process of learning how to use ApplePay at the register when a customer makes a purchase. Luckily, no one's used it yet. LOL.
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    Oct 29, 2014 2:27 AM GMT
    Writer22 saidMacy's printed out a training alert to all of it's employees on the process of learning how to use ApplePay at the register when a customer makes a purchase. Luckily, no one's used it yet. LOL.

    Macy's will be taking Apple Pay? We shop there, for men's clothing, and sometimes their kitchenware. We have one about 4 miles away. That's good news.
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    Oct 29, 2014 2:54 AM GMT
    Art_Deco said
    Writer22 saidMacy's printed out a training alert to all of it's employees on the process of learning how to use ApplePay at the register when a customer makes a purchase. Luckily, no one's used it yet. LOL.

    Macy's will be taking Apple Pay? We shop there, for men's clothing, and sometimes their kitchenware. We have one about 4 miles away. That's good news.

    But what about Neiman Marcus?
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    Oct 29, 2014 3:32 AM GMT
    Lumpyoatmeal said
    Art_Deco said
    Writer22 saidMacy's printed out a training alert to all of it's employees on the process of learning how to use ApplePay at the register when a customer makes a purchase. Luckily, no one's used it yet. LOL.

    Macy's will be taking Apple Pay? We shop there, for men's clothing, and sometimes their kitchenware. We have one about 4 miles away. That's good news.

    But what about Neiman Marcus?

    They're in the same Fort Lauderdale "Galleria" mall as Macy's. Are they taking Apple Pay, too?

    But NM rarely has sales like Macy's. I got my husband's 1-cup Keurig coffee maker there for less than what Target wanted! And a salesperson in a suit & tie carried it down to my car for me, because I'm handicapped. No discount store would do that for me.

    Plus Macy's is a very strong gay supporter. Annually they give us $5000 for the principle HIV/AIDS charity for which we work & donate, and they support our AIDS walks in Fort Lauderdale & Miami.

    Whereas NM gives us nothing. But they're based in Texas, so that's what we would expect. Obscenely rich Right Wingers pissing on everyone else. icon_razz.gif
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    Oct 29, 2014 4:36 AM GMT
    If they don't want to accept ApplePay, here's my good-old VISA card with 3% VISA tax and crap security.

    I should get an AMEX so it's 5%!
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    Oct 29, 2014 4:55 AM GMT
    pellaz said
    theob said... disappointed with retailers...
    i got a bogus charge of ~$200 from a out of state homeDepot. Had to re issue the credit card. Dont see how security can get worse.

    I've lost two cards to hacking in the last month, one while I was out of town.

    A lot of restaurant and retail Point Of Sale terminals are weirdly equipped PCs. This was Target's flaw.

    This problem was better controlled years ago with those paperback book-sized credit card terminals that were separate from the registers.

    Those didn't have "windows inside".
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    Oct 29, 2014 5:19 AM GMT
    Will this system give me cash back?

    I like my reward cards like AMEX and others that give me perks.

    One year I got 500.00 back from AMEX via the COSTCO system. That's what I like! $$$$ Money talks bullshit walks
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    Oct 29, 2014 9:05 AM GMT
    Art_Deco said
    Writer22 saidMacy's printed out a training alert to all of it's employees on the process of learning how to use ApplePay at the register when a customer makes a purchase. Luckily, no one's used it yet. LOL.

    Macy's will be taking Apple Pay? We shop there, for men's clothing, and sometimes their kitchenware. We have one about 4 miles away. That's good news.

    Any merchant that has a Mastercard PayPass terminal can handle NFC payments from Google Wallet or Apple Pay. Just look for this logo..

    pGEGv5b.jpg
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    Oct 29, 2014 1:26 PM GMT
    if the pay system is embedded into your cell phone or into your credit card; its going to take years for merchants and customers to convert. I havent see anything new at my homeDepot.

    even if whatever credit system is new dosnt say the security is better faster in the longer run. Bet it will still be hacked by the same methods used now.