I unabashedly love apple pay and use it preferentially whenever I can.
in the US, it's faster than chip-and-pin cards by a LOT. It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM and not care about skimming. More and more gas stations are upgrading their pump POS pads so i can refuel my bike without digging under my armour for my wallet.
On websites, my only quibble is that it's often very hard or not possible to enter discount codes or other special checkout options like "pick up in store" when using the apple pay button(s); when I don't have any codes, I dearly appreciate not having to make an account for that merchant and i'm significantly more likely to spend money at websites that support it.
> It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM
Nope. That's deliberately confusing Apple marketing. You get one PAN per device. The new "number" is just the EMV unpredictable number. You get that with any EMV card.
Another nice feature thing about Apple Pay (and maybe some others?) is automatic updating.
Some place I could not use Apple Pay with was involved in a breach, and so my bank notified me that I was getting a new card, and to start using it as soon as it came in the mail.
At about the same time as I got the email notice that this was happening, I got a notification on my iPhone that the card had been updating in Apple Pay to the new one. No action was required on my part.
I have no idea how they did that. I know there is a credit card updater service provided by at least Visa, MC, Discover, and AmEx that allows merchants with those cards on-file to ask for updates. We use that where I work, but the interface to it involves posting a file that contains one record per card we want updated in a fixed field format straight out of the punched char days (but wider than punched card). Then, typically in two or three days, a similar file comes back with update records for some of those cards. More updates trickle in that way over the next few days. And some never get a response.
Anyone know what it takes to get access to the kind of updates Apple is getting, where apparently the banks push the updates and they are very timely? Is this something only very high volume entities can get?
What frustrates me is the way everyone talks about Apple Pay as if it's the standard in mobile payments. Everyone calls contactless payments Apple Pay, which is technology other countries have had for many years built into the cards themselves via an NFC chip. Visa calls it PayWave(TM), because you just wave your credit card over the terminal to pay. I have been taking advantage of the benefits of contactless pay since 2011 with PayWave. Phones later came out with NFC support and now we can emulate this "contactless" signal with the phone's NFC chip rather than those in credit cards. Other than the added security of making up a new card number for your particular credit card when you add it to your digital wallet (read: Google Pay or Apple Pay or Samsung Pay, etc.), and separate accounting, there's no difference from contactless payments that have been around for OVER a decade now.
We talk about Apple Pay as if that's the standard. We talk about Apple Pay as if it's what allows you to pay with your watch. It's not. Contactless payments are. You can read about it here: https://en.wikipedia.org/wiki/Contactless_payment. The intro paragraph:
> Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g. Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or any bank mobile application that supports contactless) for making secure payments.
So as you can see, Google Pay is practically identical to Apple Pay, Samsung Pay, etc. and neither of them are the standard. NFC payments are. And they don't have to be in an Apple device.
Apple Pay is great, but I wish it was more universally accepted at point of sale. But in the US we're not even at consistency in any form of POS payment method.
Disney World (Florida) notably spent a BILLION dollars implementing a wonderful contactless payments++ system called MagicBand. [1]
Last week I was shocked that at Disneyland (California), where they haven't implemented MagicBand, they not only don't accept Apple Pay or other contactless payments, they weren't even consistent about chip vs. mag swipe!
During one transaction, after unsuccessfully swiping, the teller told me to insert the chip in a tone like I've been living under a rock. I had defaulted to swipe after the previous 3 transactions had been. There was no post-it note like many businesses resort to.
If even Disney can't get this right in their highly-curated-experience theme park, I'm not holding my breath for universal adoption anytime soon.
I honestly love Apple Pay, but I don't use it super often because it makes me self-conscious. I feel like a bit of a dick for some reason. If you try to do something "weird" and it doesn't work, people get annoyed, or it feels like an imposition. Even when it works, people sometimes make some kind of comment. Relatedly, it's unpredictable whether it will work or not. It usually does, as long as the card machine says you can "tap", but sometimes it doesn't.
This would all be better if I ever saw anyone else use it, but I don't.
Edit: wanted to add that here in Portland, we have the special Apple Pay transit wallet for the bus, which is amazing! I only infrequently take the bus, and it's so nice to never worry about whether I have exact change for the fare.
This is a very US biased thing. In the UK it’s been months since I last encountered a card reader that didn’t do contactless, and almost as long since I’ve been told a place doesn’t accept cards. These days you’ll get looked at funny if you put your card in the machine unless you’re doing a substantial transaction.
I still carry a small amount of cash on me just in case, but the same £10 note has been sitting unused in my wallet since November now, slowly gathering dust.
Due to the forced slowness of US chip readers, Apple Pay is often much faster (to feeling magically faster) on average, that as I have gotten used to my device's own haptic feedbacks for the action, that I don't feel too much self-consciousness in those few times I try it, it fails, I dig out a physical card. At this point I don't think anyone notices if I try it or not other than when it succeeds "too quickly" and they want to know what voodoo I used to checkout faster than them, and I like talking about tech and enjoy explaining in that case.
Most of the remaining awkward are the cashiers/business that still like to "touch" the physical card itself (for whatever reason and/or ignorance), hiding the chip reader behind a counter or facing it away from the user. If the reader is too hidden you know not to try at all. The "pardon my reach" is sometimes embarrassing to try when the reader is in an accessible but awkward position, but sometimes I still like to try it, just to somewhat send a message that there are reasons they should move the reader closer to the buyer than the register and they just hadn't seen them yet.
> I honestly love Apple Pay, but I don't use it super often because it makes me self-conscious. I feel like a bit of a dick for some reason. If you try to do something "weird" and it doesn't work, people get annoyed, or it feels like an imposition.
1. Get an Apple Watch. In the following, I will assume you wear this on your left wrist.
2. Set up Apple Pay on the watch. Keep the card you have set up as your main Apple Pay card in your left pants pocket.
3. When you wish to pay with Apple Pay in a situation where you feel self-conscious, reach into your left pocket with your left hand and get your card.
4. Move the card toward the terminal, at the same time using your right hand to double-click the side button on the watch to bring up Apple Pay.
5. Continue moving the card toward the terminal as if you are going to swipe or insert it as appropriate, but while doing this bring the watch near the place you would for Apple Pay.
6. If you get the haptic feedback that indicates a successful Apple Pay, great. Put your card back in your wallet, and no one is the wiser.
7. If you don't get the haptic feedback, go ahead and finish with the actual card.
(If you are worried about terminals that are a little slow with Apple Pay, and so you might get an Apple Pay response after you have gone ahead and inserted the card, you could modify step #7 to be pull the left hand away while using the right hand to continue with the physical card).
I've gradually started getting over my similar feeling-like-a-dick sentiments. I definitely always have the worry that it's not going to work (Google Pay for me here, though), and occasionally I'll fumble to hold my phone in exactly the right way for the particular card reader I'm presented with. I still also feel like if I hand a card to a cashier, and it isn't working right, I implicitly blame the store or their equipment, where if I can't get Google Pay to work, I blame myself, and then feel bad for wasting other people's time.
If I’m not sure, I say “Apple Pay okay?” to the cashier first in what I hope is a friendly way. Sometimes they’re not sure and will say, “you can try,” and then it feels more okay to give it a shot.
Feeling rude happens because when you suddenly produce your phone or watch, you suddenly reveal you’ve been thinking of the transaction differently and maybe that the cashier was incorrect or ignorant to assume you would swipe your card. You are unmasking yourself, in a sense. Proactively mentioning it lets them work with you and share their knowledge about the terminal if it’s relevant.
That's an interesting viewpoint. Where do you live? I would imagine you live somewhere that is not along the coastline in the USA.
The only time I have ever run into any kind of social friction (percieved or actual) it was only around the time that it had just rolled out and everyone would groan and say stuff like "yeah, it says we do apple pay but it wont work"
But after those initial bumps it is really prevalent and easy to use. I never feel like I am inconveniencing anyone.
Never had any weird looks from people (other than CA, I've used it in NV, AZ, MA, OR, WA). Almost every-time, it makes me quicker than everyone else, so not sure why would people make a comment. Also, if I don't see any NFC payment sign around, I would quickly ask while cashier is scanning my items.
I feel this just a little bit too, when there's an actual cashier. It just sort of screams "tech yuppie". But that alone I can live with; I just always make sure to check that it'll work beforehand, because if it actually holds up the line that's super uncomfortable.
Problem with these contactless payments is you first try contactless, then wait to figure out if it fails, then if it does, you're dealing with the slowness of a physical card on top of all the time you wasted with contactless. Until it reliably works everywhere, you kind of have to do a little math estimation to decide what to use:
T(card) = time it takes to use a physical card
T(ap) = time it takes to use Apple Pay
T(fail) = time it takes to realize Apple Pay failed
P(fail) = probability that Apple Pay will fail to work
So if T(card) < T(ap) x [1-P(fail)] + [T(ap) + T(fail) + T(card)] x P(fail)
...then you should just use your physical card. I don't even try Apple Pay anymore because merchant support is so unpredictable and spotty.
> wanted to add that here in Portland, we have the special Apple Pay transit wallet for the bus, which is amazing!
I'm aware of this, because here in Canada, if you add a transit pass to Google Pay, the only options are 1) Las Vegas Monorail, 2) Melbourne myki, 3) Portland Hop and 4) Manatee County, Florida MCAT.
One of the first times i paid with my iPhone, the cashier tensed up a little when I authenticated with FaceID before paying.
I apologized for being rude by looking at my phone during the payment, but that I had to authenticate with it with my face to be able to pay. She relaxed and said it was okay, so apparently the unfamiliarity was the source of the confusion.
The trick with the "weird" feeling is to bail quickly and use cash or a traditional card if the ApplePay process isn't working, so folks behind you don't get annoyed.
I've found that AP either works or doesn't in the first couple seconds (and is overwhelmingly the former).
It's funny, often I'll get a confused look and they just pass over the terminal and are surprised and usually happy when it works. I do feel a little weird when it doesn't work, but the number of times it fails drops all the time.
well it doesn't help that recent updates to iOS have caused Apple Pay to trip up. It used to work flawlessly for me at every machine but now I find myself having to unlock the phone first which I never did before
I always rub my phone on card readers like an idiot on the off chance it accepts Apple Pay. When it doesn't work I feel like an idiot for a second then move on. So worth if I go to a particular place often.
It has never worked for me. Even at the Apple store!
Clearly it works for someone because "10% of global transactions" but, I'm guessing it has something to do with how bad Apple is at dealing with international issues like the fact the App Store is completely fucked if you need apps from multiple countries I can only guess Apple Pay is just as fucked.
I had dinner with members of the Apple Pay team a year or two back. I asked them, “So, who are your competitors? Google Pay? PayPal?”
They laughed.
“No, we don’t really track them. We have one main competitor. Credit cards. We care about Apple Pay being better, easier and more convenient to use than any of your credit cards.”
And then, finishing dinner, the guy paid with his Apple Watch, using Apple Pay. The waiter was stunned - he’d never seen anything like that before.
If this occurred in the USA, I'm surprised the story doesn't end with the waiter asking this guy to take his Apple Watch off so the waiter can take it to the back where the payment terminal is located. Portable terminals that are brought to the table (so the customer can enter their PIN) still seem to be a rare occurrence in the US.
When I was in Australia this August, most waiters were "Stunned" that I didn't need a pin to buy things. It doesn't take much to "Stun" a waiter when it comes to tech.
5% at the moment seems like an incredibly high number to me, at least in the US. I looked it up here, where the stats say a different number: https://www.pymnts.com/apple-pay-adoption/
Also latest is about 51% of merchants have compatible equipment.
1.1% of sales is apple pay. Also usage numbers have gone down from 2018 to 2019. Seems like a puff piece to me?
They’re claiming 5% of global card transactions, that surely can’t be true, there are quite a few developed countries where iPhones are not that common, and countries where other contactless payment systems are already widespread. And what about middle income and poor countries?
I have no idea if 5% is correct, but worth noting that 1.1% figure is total sales, not including online. The article is about total credit card transaction volume.
5% growing to 10% just sounded crazy to me. For this to be true every iPhone user has to be making a butt-load of purchases and always using Apple Pay. I haven't seen any numbers that would back up this level of adoption.
I thought Apple pay was really dumb... and then I started using it. Especially with an Apple Watch: when I get to checkout, I can fumble with my wallet, dig out a card, wait ten seconds for the chip to read, and then put the card away.... or I can tap a button on my watch twice and wave it near the reader. Done.
A big part of this is that apparently US credit card companies decided not to include contactless when they switched over to chip cards, in order to save money. Ironically, contactless was becoming fairly common before the move to EMV, but is now pretty rare. I think about half my cards had it a few years ago, but now none do.
Not to hijack, but I'm really curious to see how this compares with Google Pay adoption and growth rate. Devices capable of Google Pay are likely more prevalent (well, maybe; there could be a lot of old Android devices out there that don't support it), but I wonder if there are similar trends as with the Apple App Store and Google Play Store, where customers of the former are much more likely to spend money.
It would be interesting to possibly make some generalizations about how much money Apple vs. Android users spend in general, even outside their respective app stores. Maybe not useful generalizations, but I'm interested nonetheless.
(I say this as an Android user who loves Google Pay and wishes it were available for web-based payments like Apple Pay is.)
This is quite impressive, although inconclusive... Apple Pay currently accounts for 5% of credit card payments (from article), but, more importantly, this does not include non-card transactions like WeChat!
Still, I think that Apples deep ecosystem integration will ultimately allow them to make a really compelling payments platform. The existing work on the Apple Card is surprisingly compelling. By just offering some basic, but fun bookkeeping (the colors changing on the digital card and a list of purchases), Apple has already made a product many of my peers want to use.
I expect peer to peer payments to get more attention and some "Apple Health for Money" product to come out in the medium term future.
I love Apple Pay for web. It’s seamless compared to Paypal because all you have to do is touch/faceID. It is also ridiculously easy to implement as a developer. If Apple ever goes for the Paypal/Square/Stripe market, they have some very low hanging fruits to pick.
Not in Switzerland! Over here pretty much only credit cards work with Apple Pay. I haven't found a single debit card that works with it (other than Revolut, which is only a bank if you squint at it). I assume this is because there is a thing called TWINT [0] here, which covers several payment concepts (peer to peer transfers, point of sale terminals, online) with an equal degree of mediocrity. It's not ubiquitous, fast, or convenient (derp wait while I scan this QR code instead of using NFC). I'd love to be able to use Apple Pay.
Meanwhile Fred Meyer, Costco and QFC keep resisting. It's ridiculous: I can pay for watered down beer with Apple Pay in a village deep in the bowels of Mother Russia (using my watch, no less), but not in a QFC down the street. Instead, Kroger launched its own "Kroger Pay" which has worse chances of taking off than a lead balloon.
I use Apple Pay mainly for two reasons (US-based):
1) Because rewards programs can be so lucrative per-category, I wind up using like 5 different credit cards constantly. That's too thick to keep in my wallet, so I never bothered before... but now it's effortless on my phone. Now I basically get 3-5% back on most stuff instead of the old 1-2%. It adds up.
2) Chips seem to degrade after a while, as anything contact-based seems finicky. Apple Pay doesn't always work on the first try... but it always works by the second. Which is more than I can say for credit cards, god only knows why.
So now I really just keep one physical credit card on hand -- the one that gives me most rewards dining out, since you need a card to hand them (in the US anyways) -- and to use for the occasional instance a store's terminal doesn't accept Apple Pay (mostly public transit vending machines these days).
Apple Pay makes many purchases almost an impulse buy for me. "Hmm, that looks interesting...and you take Apple Pay? And I am buying it from someone other than Amazon, without my credit card getting stolen again? Take my money with a single click!"
In Denmark we've had a public payment card for a couple of decades now (Dankort). It's a no thrills, dump, payment card, but it is universally accepted, has no fees and virtually impossible to get into financial trouble with.
I have to admit, I welcome apple pay with a lot of sceptisism. In my perspective, a lot of innovation in payment over the recent years has been towards better ways of extracting value from basic transactions, or selling confusing products to financially illiterate consumer. With the exception of contactless and mobile payments, which our public solution has picked up as quickly as the commercial vendors.
Semi-related, but is there a way to setup Apple Pay without disclosing your fingerprint? Unlike passwords, fingerprints are not protected by the 5th Amendment
Wow I always thought this was a gimmick that no one used, I'll have to evaluate. even 5% doesn't sound right to me (of course the headline is an estimate).
> Apple Pay accounts for about 5% of global card transactions and is on pace to handle 1-in-10 such payments by 2025,
I was visiting Sydney earlier this year and could use Apple Pay on the metro/ferry/bus. Rather than wasting time at a ticket machine, inserting a card, etc, I could literally just tap my phone on the turnstile and "ding" I was in.
[+] [-] hprotagonist|6 years ago|reply
in the US, it's faster than chip-and-pin cards by a LOT. It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM and not care about skimming. More and more gas stations are upgrading their pump POS pads so i can refuel my bike without digging under my armour for my wallet.
On websites, my only quibble is that it's often very hard or not possible to enter discount codes or other special checkout options like "pick up in store" when using the apple pay button(s); when I don't have any codes, I dearly appreciate not having to make an account for that merchant and i'm significantly more likely to spend money at websites that support it.
[+] [-] needusername|6 years ago|reply
Nope. That's deliberately confusing Apple marketing. You get one PAN per device. The new "number" is just the EMV unpredictable number. You get that with any EMV card.
https://emvlab.org/emvtags/show/t9F37/
> and not care about skimming.
Because the PAN is only valid for online authorized EMV transactions.
[+] [-] tzs|6 years ago|reply
Some place I could not use Apple Pay with was involved in a breach, and so my bank notified me that I was getting a new card, and to start using it as soon as it came in the mail.
At about the same time as I got the email notice that this was happening, I got a notification on my iPhone that the card had been updating in Apple Pay to the new one. No action was required on my part.
I have no idea how they did that. I know there is a credit card updater service provided by at least Visa, MC, Discover, and AmEx that allows merchants with those cards on-file to ask for updates. We use that where I work, but the interface to it involves posting a file that contains one record per card we want updated in a fixed field format straight out of the punched char days (but wider than punched card). Then, typically in two or three days, a similar file comes back with update records for some of those cards. More updates trickle in that way over the next few days. And some never get a response.
Anyone know what it takes to get access to the kind of updates Apple is getting, where apparently the banks push the updates and they are very timely? Is this something only very high volume entities can get?
[+] [-] herpderperator|6 years ago|reply
We talk about Apple Pay as if that's the standard. We talk about Apple Pay as if it's what allows you to pay with your watch. It's not. Contactless payments are. You can read about it here: https://en.wikipedia.org/wiki/Contactless_payment. The intro paragraph:
> Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g. Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or any bank mobile application that supports contactless) for making secure payments.
So as you can see, Google Pay is practically identical to Apple Pay, Samsung Pay, etc. and neither of them are the standard. NFC payments are. And they don't have to be in an Apple device.
[+] [-] aggie|6 years ago|reply
Disney World (Florida) notably spent a BILLION dollars implementing a wonderful contactless payments++ system called MagicBand. [1]
Last week I was shocked that at Disneyland (California), where they haven't implemented MagicBand, they not only don't accept Apple Pay or other contactless payments, they weren't even consistent about chip vs. mag swipe!
During one transaction, after unsuccessfully swiping, the teller told me to insert the chip in a tone like I've been living under a rock. I had defaulted to swipe after the previous 3 transactions had been. There was no post-it note like many businesses resort to.
If even Disney can't get this right in their highly-curated-experience theme park, I'm not holding my breath for universal adoption anytime soon.
[1] https://www.wired.com/2015/03/disney-magicband/
[+] [-] notJim|6 years ago|reply
This would all be better if I ever saw anyone else use it, but I don't.
Edit: wanted to add that here in Portland, we have the special Apple Pay transit wallet for the bus, which is amazing! I only infrequently take the bus, and it's so nice to never worry about whether I have exact change for the fare.
[+] [-] jon-wood|6 years ago|reply
I still carry a small amount of cash on me just in case, but the same £10 note has been sitting unused in my wallet since November now, slowly gathering dust.
[+] [-] WorldMaker|6 years ago|reply
Most of the remaining awkward are the cashiers/business that still like to "touch" the physical card itself (for whatever reason and/or ignorance), hiding the chip reader behind a counter or facing it away from the user. If the reader is too hidden you know not to try at all. The "pardon my reach" is sometimes embarrassing to try when the reader is in an accessible but awkward position, but sometimes I still like to try it, just to somewhat send a message that there are reasons they should move the reader closer to the buyer than the register and they just hadn't seen them yet.
[+] [-] tzs|6 years ago|reply
1. Get an Apple Watch. In the following, I will assume you wear this on your left wrist.
2. Set up Apple Pay on the watch. Keep the card you have set up as your main Apple Pay card in your left pants pocket.
3. When you wish to pay with Apple Pay in a situation where you feel self-conscious, reach into your left pocket with your left hand and get your card.
4. Move the card toward the terminal, at the same time using your right hand to double-click the side button on the watch to bring up Apple Pay.
5. Continue moving the card toward the terminal as if you are going to swipe or insert it as appropriate, but while doing this bring the watch near the place you would for Apple Pay.
6. If you get the haptic feedback that indicates a successful Apple Pay, great. Put your card back in your wallet, and no one is the wiser.
7. If you don't get the haptic feedback, go ahead and finish with the actual card.
(If you are worried about terminals that are a little slow with Apple Pay, and so you might get an Apple Pay response after you have gone ahead and inserted the card, you could modify step #7 to be pull the left hand away while using the right hand to continue with the physical card).
[+] [-] kelnos|6 years ago|reply
[+] [-] 1123581321|6 years ago|reply
Feeling rude happens because when you suddenly produce your phone or watch, you suddenly reveal you’ve been thinking of the transaction differently and maybe that the cashier was incorrect or ignorant to assume you would swipe your card. You are unmasking yourself, in a sense. Proactively mentioning it lets them work with you and share their knowledge about the terminal if it’s relevant.
[+] [-] whalesalad|6 years ago|reply
The only time I have ever run into any kind of social friction (percieved or actual) it was only around the time that it had just rolled out and everyone would groan and say stuff like "yeah, it says we do apple pay but it wont work"
But after those initial bumps it is really prevalent and easy to use. I never feel like I am inconveniencing anyone.
[+] [-] truncate|6 years ago|reply
[+] [-] _bxg1|6 years ago|reply
[+] [-] ryandrake|6 years ago|reply
T(card) = time it takes to use a physical card
T(ap) = time it takes to use Apple Pay
T(fail) = time it takes to realize Apple Pay failed
P(fail) = probability that Apple Pay will fail to work
So if T(card) < T(ap) x [1-P(fail)] + [T(ap) + T(fail) + T(card)] x P(fail)
...then you should just use your physical card. I don't even try Apple Pay anymore because merchant support is so unpredictable and spotty.
[+] [-] Marsymars|6 years ago|reply
I'm aware of this, because here in Canada, if you add a transit pass to Google Pay, the only options are 1) Las Vegas Monorail, 2) Melbourne myki, 3) Portland Hop and 4) Manatee County, Florida MCAT.
[+] [-] marvin|6 years ago|reply
I apologized for being rude by looking at my phone during the payment, but that I had to authenticate with it with my face to be able to pay. She relaxed and said it was okay, so apparently the unfamiliarity was the source of the confusion.
[+] [-] ubermonkey|6 years ago|reply
I've found that AP either works or doesn't in the first couple seconds (and is overwhelmingly the former).
[+] [-] ogre_codes|6 years ago|reply
[+] [-] trixie_|6 years ago|reply
You can double tap to pay even before the reader is ready, so that once it is, the transaction happens instantly.
[+] [-] yalogin|6 years ago|reply
[+] [-] Shivetya|6 years ago|reply
[+] [-] Hamuko|6 years ago|reply
[+] [-] Medicalidiot|6 years ago|reply
[+] [-] asiachick|6 years ago|reply
Clearly it works for someone because "10% of global transactions" but, I'm guessing it has something to do with how bad Apple is at dealing with international issues like the fact the App Store is completely fucked if you need apps from multiple countries I can only guess Apple Pay is just as fucked.
[+] [-] gregdoesit|6 years ago|reply
They laughed.
“No, we don’t really track them. We have one main competitor. Credit cards. We care about Apple Pay being better, easier and more convenient to use than any of your credit cards.”
And then, finishing dinner, the guy paid with his Apple Watch, using Apple Pay. The waiter was stunned - he’d never seen anything like that before.
[+] [-] eigenvector|6 years ago|reply
[+] [-] yalogin|6 years ago|reply
[+] [-] unknown|6 years ago|reply
[deleted]
[+] [-] deadmutex|6 years ago|reply
[+] [-] grogenaut|6 years ago|reply
[+] [-] taurath|6 years ago|reply
Also latest is about 51% of merchants have compatible equipment.
1.1% of sales is apple pay. Also usage numbers have gone down from 2018 to 2019. Seems like a puff piece to me?
[+] [-] Brakenshire|6 years ago|reply
[+] [-] jdminhbg|6 years ago|reply
[+] [-] ticmasta|6 years ago|reply
[+] [-] frockington1|6 years ago|reply
[+] [-] mrosett|6 years ago|reply
[+] [-] notJim|6 years ago|reply
[+] [-] kelnos|6 years ago|reply
It would be interesting to possibly make some generalizations about how much money Apple vs. Android users spend in general, even outside their respective app stores. Maybe not useful generalizations, but I'm interested nonetheless.
(I say this as an Android user who loves Google Pay and wishes it were available for web-based payments like Apple Pay is.)
[+] [-] sambroner|6 years ago|reply
Still, I think that Apples deep ecosystem integration will ultimately allow them to make a really compelling payments platform. The existing work on the Apple Card is surprisingly compelling. By just offering some basic, but fun bookkeeping (the colors changing on the digital card and a list of purchases), Apple has already made a product many of my peers want to use.
I expect peer to peer payments to get more attention and some "Apple Health for Money" product to come out in the medium term future.
[+] [-] bitxbit|6 years ago|reply
[+] [-] cranekam|6 years ago|reply
[0] https://www.twint.ch/en/
[+] [-] m0zg|6 years ago|reply
[+] [-] crazygringo|6 years ago|reply
1) Because rewards programs can be so lucrative per-category, I wind up using like 5 different credit cards constantly. That's too thick to keep in my wallet, so I never bothered before... but now it's effortless on my phone. Now I basically get 3-5% back on most stuff instead of the old 1-2%. It adds up.
2) Chips seem to degrade after a while, as anything contact-based seems finicky. Apple Pay doesn't always work on the first try... but it always works by the second. Which is more than I can say for credit cards, god only knows why.
So now I really just keep one physical credit card on hand -- the one that gives me most rewards dining out, since you need a card to hand them (in the US anyways) -- and to use for the occasional instance a store's terminal doesn't accept Apple Pay (mostly public transit vending machines these days).
[+] [-] mikestew|6 years ago|reply
[+] [-] AdamHede|6 years ago|reply
I have to admit, I welcome apple pay with a lot of sceptisism. In my perspective, a lot of innovation in payment over the recent years has been towards better ways of extracting value from basic transactions, or selling confusing products to financially illiterate consumer. With the exception of contactless and mobile payments, which our public solution has picked up as quickly as the commercial vendors.
[+] [-] georgeburdell|6 years ago|reply
https://time.com/3558936/fingerprint-password-fifth-amendmen...
[+] [-] rb808|6 years ago|reply
> Apple Pay accounts for about 5% of global card transactions and is on pace to handle 1-in-10 such payments by 2025,
[+] [-] cody3222|6 years ago|reply
This was really a game changer.
[+] [-] taywrobel|6 years ago|reply