Just got back from the UK. Nearly everything is contactless. Blows my mind how in the USA credit card companies see chip-and-signature as the solution to fraud. I really need someone to explain this to me!
Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
31–40 of 113 posts
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#32Earlier quoted context omitted.
Really? In Canada, almost everyone uses them and almost everywhere supports them
Yeah, but I see people using cards contactlessly (oof..) but rarely using their phone, and when I do it seems clunky and awkward...
I've been using my Apple Watch With Apple Pay for the past few months and all it takes is to tap my wrist to the terminal
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#33Earlier quoted context omitted.
It's definitely a US thing. Here in Australia, everyone hardly uses Apple Pay and all major banks have their own cards/app that does NFC payments. I find it really strange that it is not widely adopted in the US since it removes a lot of friction when it comes to paying for stuff ergo encourages more business. I.e. my usual coffee joint was always packed in the mornings and since they adopted NFC payments a few years…
Experience here is the complete opposite. When I buy a coffee I hand the guy a few bucks and leave. If the clown in front of me starts waving their iPhone at the terminal, I start rolling my eyes and tapping my fingers.
Contactless from credit/debit cards are a lot faster and more reliable. You just tap the card against the chip reader. In the rare occasion where it doesn't work (e.g. cost is too high, too many purchases per day) you can just slot the card into the slot and enter pin - which takes maybe 10 seconds instead of 1.
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#34I think a better market to look at for contactless payments is Australia. Over here we use them for everything . Apple pay has just started rolling out and pretty much 95% of places I've shopped/eaten at support it. If you're curious about adoption rate, it's a good case study as there's an existing contactless credit card system already in place.
The problem is that it's just more fiddly to pay for things using my phone than my card, which makes the use case pretty small (times when I have my phone but not my wallet).
I do like that once I've linked my card to Samsung Pay I get instant transaction notifications whether I actually pay with my phone or with my card though.
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#35Earlier quoted context omitted.
It's definitely a US thing. Here in Australia, everyone hardly uses Apple Pay and all major banks have their own cards/app that does NFC payments. I find it really strange that it is not widely adopted in the US since it removes a lot of friction when it comes to paying for stuff ergo encourages more business. I.e. my usual coffee joint was always packed in the mornings and since they adopted NFC payments a few years…
Experience here is the complete opposite. When I buy a coffee I hand the guy a few bucks and leave. If the clown in front of me starts waving their iPhone at the terminal, I start rolling my eyes and tapping my fingers.
As one of those "clowns" I wish there were more like you as I'm always waiting for someone to grab exact change. You can even order from your phone at some places... actually, the order process is what I find also slows things down. I'd love to put in my order directly by phone and skip that line entirely.
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#36I really don't get what the whole hoopla about contact less payment is in the US we have had contact less payment cards for years now. And now they are working on a system that can use android pay and other nfc payment systems for mrt and bus services as well. Currently we can use the same nfc debit/credit card we have but it has a separate top up system.
I don't quite follow if you're in the US or not. I've only once in my life seen a US bank-issued contactless card; It was a debit card I had with Union Bank of California, which I never used because it was a side savings account I rarely touched.
I don't know who "we" is, or who is deploying NFC payments for MRT (?) and bus services. I also don't get why using the same nfc debit/credit cards requires a separate top-up system.
Anyway, I've had great experience with Apple Pay, just need NFC more widely adopted in the US. It's amazing how few places have even EMV readers active. It's great to be able to go out for a run or whatever, take my phone with me, and be able to buy coffee on my way home without having to worry about a separate payment device. Yes, credit cards are far smaller than a phone, but it's still one more thing to remember.
I've used Apple Pay with my US-based bank cards in a number of countries; many places had never even seen someone pay with a phone before. Memorably, a petrol station in New Zealand in April 2015, and more surprisingly, somewhere in Denmark or Sweden a couple of months ago (!).
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#37Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#38I kept my Australian bank issued Visa card for a while when I first moved to Thailand, and used it while we were getting stuff set up locally. Even though it's never presented locally, with that card cashiers would often get the "sign or pin" prompt on the terminal, and then ask me (or gesture if their English wasn't great), and I'd usually pick pin, which would then produce a slip with "No signature required" printe…
Thailand is a massively cash based society, especially with that whole "nobody pay their taxes" thing. Credit card are mostly used to take money out of the atm.
Yeah, I'm aware of that aspect, but I've never been anywhere else where the staff can't follow a simple instruction (No signature required) because they are so ingrained that card === signature.
Also, for the younger generation (i.e. 20s/30s) I think credit cards are much more popular than their parents generation - my sister-in-law and her husband (both Thai, so not influenced by western approach) use cards most places they can, while my mother in law regularly has anything up to 100K THB in her handbag.
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#39It's frustrating how the US is the only country I travel to where I cannot use my non American NFC cards. Half the terminals I encounter really only accept apple pay or a form thereof.
Huh. Contactless cards effectively don't exist in the US, but I'd expect any Apple Pay-compatible system to accept your card as well. Sounds like its more foreign bank issues (eg, the banks can't agree on rules) than a technology issue. NFC is NFC.
Re: Apple Pay Now Accounts for Three-Fourths of U.S. Contactless Payments
#40Earlier quoted context omitted.
It's definitely a US thing. Here in Australia, everyone hardly uses Apple Pay and all major banks have their own cards/app that does NFC payments. I find it really strange that it is not widely adopted in the US since it removes a lot of friction when it comes to paying for stuff ergo encourages more business. I.e. my usual coffee joint was always packed in the mornings and since they adopted NFC payments a few years…
Experience here is the complete opposite. When I buy a coffee I hand the guy a few bucks and leave. If the clown in front of me starts waving their iPhone at the terminal, I start rolling my eyes and tapping my fingers.
Tipping probably has something to do with this. On US EFTPOS terminals you're prompted to add a tip/percentage/cash/okay/okay/okay/pay with card.
In Australia you're given a total, the cashier sees the card in your hand, asks "Paypass?", and bang, it's done. Entire transaction is over in Additionally, the lack of tipping means that people who pay with cash expect their exact change back and will wait for it, or will fish around for coins to find the exact amount, which slows down transaction processes.