The rewards cards I use with Apple pay act like I used the card and give me the full rewards, so I would assume that any card you wanted to use (and supports Apple Pay) will give you the full cash back or whatever rewards your card normally gives.
Apple Pay
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The rewards cards I use with Apple pay act like I used the card and give me the full rewards, so I would assume that any card you wanted to use (and supports Apple Pay) will give you the full cash back or whatever rewards your card normally gives.
Best Buy is now joining Apple Pay: http://www.cnet.com/news/best-buy-to-accept-apple-pay-for-purchases/
This week for the first time I was asked for a signature using Apple Pay at Whole Foods. Pretty sure the clerk screwed up.
The main CC, BJ's Master Card, I use has no place on their web site nor the Bank's payment center to mention Apple Pay. So I sent them an e-note and got this response back:
I use this card to cycle about 90% of my monthly expenses through to get the cash back credit. It usually results in a 50% discount on my monthly food bill when they subtract my credit at the register.
The two things I find disappointing about Apple Pay is how few places I shop have the NFC payment system and how few of my existing CC have the feature with the Bank. Too bad Mastercard and Visa as a company don't simply have Apple Pay for all their member banks. I can understand POS locations like Gas Pumps will take awhile to update for NFC at considerable expense, but at least all the member banks should be more easy to add the option.
For now, my solution is to make Apple Pay a consumer driven demand and when I don't see it offered, ask for it through official channels, like I did with BJ's. The more people let merchants and banks know the more priority we will get.
I use this card to cycle about 90% of my monthly expenses through to get the cash back credit. It usually results in a 50% discount on my monthly food bill when they subtract my credit at the register.
The two things I find disappointing about Apple Pay is how few places I shop have the NFC payment system and how few of my existing CC have the feature with the Bank. Too bad Mastercard and Visa as a company don't simply have Apple Pay for all their member banks. I can understand POS locations like Gas Pumps will take awhile to update for NFC at considerable expense, but at least all the member banks should be more easy to add the option.
For now, my solution is to make Apple Pay a consumer driven demand and when I don't see it offered, ask for it through official channels, like I did with BJ's. The more people let merchants and banks know the more priority we will get.
Yea I saw on the news where Best Buy dumped Current C for Apple Pay. Good news indeed. I had a blast this weekend using apple pay on vending machines at the hospital. My wife and I had our fourth daughter and it was nice not having to whip out the credit cards.
A lot more places should start taking NFC payments towards the end of the year. As merchants have to buy new chip card readers, they can add the NFC option to the terminal for minimal expense.
I saw that Discover should be available before the end of the year. Every little bit helps.
By that time Samsung should have their wireless payment system going for the Galaxy S6 phones. I'm not crazy about the magnetic stripe "manipulation" but it also supports NFC.
By that time Samsung should have their wireless payment system going for the Galaxy S6 phones. I'm not crazy about the magnetic stripe "manipulation" but it also supports NFC.
Yes. My understanding is that by the end of this year, near field and Apple Pay should be more common. Very common.
Yet Panera made me sign a slip. Pretty sure that was a violation of Apple Pay agreement. I will report it.
Maybe it would accelerate if one tenth of all swipe transactions was rejected, with a five minute delay on a reswipe. Heck, one minute would force conversion.
Much more effective is what the CC companies are doing in October. Beginning in October if you do not use the chip on a chipped card (i.e. continue to swipe) you, the merchant are liable for any and all fraud, lost, stolen, etc...
Is it true that all CC will be swapped out for chipped cards by October, or was that a false report I heard?
When I had my merchant account years ago, they would always have these rates you get charged if you didn't use the most advanced technology. When I first got the account, I just did the imprint with carbonless form, then they charged a premium so I got a mag reader for my laptop. Finally gave up on the merchant account and switched to Paypal before retiring. Just never had that many CC charges to process.
When I had my merchant account years ago, they would always have these rates you get charged if you didn't use the most advanced technology. When I first got the account, I just did the imprint with carbonless form, then they charged a premium so I got a mag reader for my laptop. Finally gave up on the merchant account and switched to Paypal before retiring. Just never had that many CC charges to process.
The problem I have with this is that there are so many places like TARGET who has the technology in place and doesnt have it turned on. It frustrates me when I go to use the chip (Preferred method) and I cant. Ironically, this weekend I was at Target getting some stuff, slid my card into the chip reader. The cashier has no clue about how the technology works nore has even been trained on it. So when the process doesn't work, I scolded the cashier on how its much more secure and how you could be stealing my information only to have the transaction get denied and flagged by American Express for fraud right in front of her. I had to call amex, go through the process of them sending me a text message on my phone to authorize the charge as a non fraud charge. Once that was taken care of, I pointed out to the girl that if the chip had been working that transaction would have never been flagged fraudulent. The sad thing is that there is nothing that these stores or cashiers can do as it's corporate policy and the bone heads up in corporate also can care less about this.
Haul enough stuff to the cashier with the technology and when it doesn't work, you leave the cashier with a shopping cart full of stuff because they won't accept your payment. Then the store managers will get the message and get the system training and turned on.
I have sent e-mails to many of my places I shop and request the service be installed. Most thank me for my interest and say they are looking into it and my e-mail will go a long way for them to make a decision to put it in. They just need convinced there will be enough users to make the investment pay.
Places I want to see NFC / Apple Pay so I can charge by Apple Watch:
All Gas Pumps
Red Box
Hotels
Restaurants
I have sent e-mails to many of my places I shop and request the service be installed. Most thank me for my interest and say they are looking into it and my e-mail will go a long way for them to make a decision to put it in. They just need convinced there will be enough users to make the investment pay.
Places I want to see NFC / Apple Pay so I can charge by Apple Watch:
All Gas Pumps
Red Box
Hotels
Restaurants
I believe by the end of the year roughly 70% of the cards in the US will have a chip on them. Some of the bigger banks are going to be 100% chip, but there are a lot of companies with different phase in plans. If the card does not have a chip and it is swiped the credit card issuer will still be liable for fraud, so they too have an incentive to change to chipped cards.
Essentially the way it works is when a card is swiped it goes to the processor, the processor sees if the card is supposed to be chipped. The processor signals back to the terminal to use the chip. If the terminal says it does not have a chip reader then the swipe will continue to be processed with the merchant being responsible after October for any fraud. If there is a chip reader the terminal should refuse the swipe and insist on the chip being used. That way if a criminal has your swipe data they cannot make "unchipped" cards, the terminals will refuse to use them without a chip.
Now many of the big merchants like Target have their own software they use on their terminals, many of them have replaced the hardware, but have not turned on their software to process chips. Merchants still do not have any liability on the swipe, so many of them have elected to keep doing the swipe to try to make it easy on the consumer. Some merchants like Walmart have it already turned on, so consumers are getting exposed to it. It is a big change for the consumer since they have to leave their card in the terminal for the whole transaction rather than just in and out like a stripe reader at a gas station.
So, at a gas pump, do you see all those moving to the chip reader and hopefully have NFC added at the same time?
So, I got my iPhone 6+, and Apple watch all set up and went to Walgreens to pick up my prescriptions. I'm not sure I am doing this the easiest way, but I opened the passbook and Apple Pay app on the watch, selected the card I want to use. I entered 3 cards and the one I will use most of the time is a rewards cash back card. I selected it on the watch even though it was my default card the way I set it up. Then moved my wrist/ watch near the terminal and I heard the ding and up came a place for me to sign. I did and the receipt printed out.
I was under the impression that I could just move the watch near by and the NFC would access the information without me having to bring up the app on the watch. Is the only time I need to bring up the app is when I wish to select a different card? I will test the Apple Pay without launching the app next time. I do understand the Apple instructions are you have to place your finger over the reader spot and not turn on the iPhone when you don't use a watch.
Just got a call from the CC company ( which I took with my watch
) They wanted to verify security on the Apple pay and also explained that I needed to set up my wife's iPhone and watch separately when she gets home so everything will match up.
I'm really impressed with the enthusiasm and knowledge these 3rd party ApplePay CSR people have, especially the bank. Now if the stores can just get the cashiers all trained better it will be perfect.
I was under the impression that I could just move the watch near by and the NFC would access the information without me having to bring up the app on the watch. Is the only time I need to bring up the app is when I wish to select a different card? I will test the Apple Pay without launching the app next time. I do understand the Apple instructions are you have to place your finger over the reader spot and not turn on the iPhone when you don't use a watch.
Just got a call from the CC company ( which I took with my watch
) They wanted to verify security on the Apple pay and also explained that I needed to set up my wife's iPhone and watch separately when she gets home so everything will match up. I'm really impressed with the enthusiasm and knowledge these 3rd party ApplePay CSR people have, especially the bank. Now if the stores can just get the cashiers all trained better it will be perfect.
For the first time, today it didn't work. No response at all, at a register where I've used it before.
Don, I don't have a watch, but I never pull up the app first on my phone. I've never had to switch from my default card either. I assume that I would need to do that in the app before hand, but I could be wrong. Strange that Walgreens had you sign. My local Walgreens took apple pay without me having to sign anything.So, I got my iPhone 6+, and Apple watch all set up and went to Walgreens to pick up my prescriptions. I'm not sure I am doing this the easiest way, but I opened the passbook and Apple Pay app on the watch, selected the card I want to use. I entered 3 cards and the one I will use most of the time is a rewards cash back card. I selected it on the watch even though it was my default card the way I set it up. Then moved my wrist/ watch near the terminal and I heard the ding and up came a place for me to sign. I did and the receipt printed out.
I was under the impression that I could just move the watch near by and the NFC would access the information without me having to bring up the app on the watch. Is the only time I need to bring up the app is when I wish to select a different card? I will test the Apple Pay without launching the app next time. I do understand the Apple instructions are you have to place your finger over the reader spot and not turn on the iPhone when you don't use a watch.
Just got a call from the CC company ( which I took with my watch
I'm really impressed with the enthusiasm and knowledge these 3rd party ApplePay CSR people have, especially the bank. Now if the stores can just get the cashiers all trained better it will be perfect.
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