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Apple Pay on pace to account for 10% of global card transactions

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Re: Apple Pay on pace to account for 10% of global card transactions

#241

Post by selimthegrim »

Marsymars wrote: post #226
notJim wrote: post #26

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…

> 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.

CTA in Chicago takes Apple Pay, as does Ventra (the commuter rail app) and WMATA in DC is supposed to soon I think. Surprised Canada hasn't caught on to that.

Re: Apple Pay on pace to account for 10% of global card transactions

#242

Post by robjan »

a2tech wrote: post #210
45ure wrote: post #165

Earlier quoted context omitted.

As mentioned by others, the limit was raised to £30 over 4 years ago. Although, there is SCA (Strong Customer Authentication) regulation in the pipeline. I received an alert from at least two providers last year, albeit it does not apply to Apple Pay or Google Pay. However, due to Brexit, it remains to seen, if the banks will continue to implement it, or maybe change it to fit a new framework or renege on this pledge…

I wonder what that meansーーwill you get an actual rejection or some sort of ‘downgrade’ workflow where you’ll be prompted to swipe? Or will I just look like a broke dude semi-randomly?

Probably the same thing it does now randomly. The reader says "Please use chip and PIN" then you follow the chip and PIN flow which automatically unlocks your card.

Re: Apple Pay on pace to account for 10% of global card transactions

#243

Post by namibj »

a2tech wrote: post #210
45ure wrote: post #165

Earlier quoted context omitted.

As mentioned by others, the limit was raised to £30 over 4 years ago. Although, there is SCA (Strong Customer Authentication) regulation in the pipeline. I received an alert from at least two providers last year, albeit it does not apply to Apple Pay or Google Pay. However, due to Brexit, it remains to seen, if the banks will continue to implement it, or maybe change it to fit a new framework or renege on this pledge…

I wonder what that meansーーwill you get an actual rejection or some sort of ‘downgrade’ workflow where you’ll be prompted to swipe? Or will I just look like a broke dude semi-randomly?

It will tell the terminal to demand a PIN, just as if you had inserted the card. It happening regularly will make the flow non-weird, at least.

Re: Apple Pay on pace to account for 10% of global card transactions

#244

Post by robjan »

Spare_account wrote: post #131
tokamak-teapot wrote: post #127

Earlier quoted context omitted.

£30 currently. Though mobile payments don’t fall foul of this in theory, in practice some terminals are limited to £30 to match the card limit, which can be annoying when you want to pay by mobile (the most secure way).

> £30 currently. Though mobile payments don’t fall foul of this in theory I believe Apple Pay supports payments >£30 but I use Android Pay and it has never allowed me to exceed £30. I understand that it is probably a limitation of the terminal in many cases but I have observed an Apple Pay transation exceed £30 and then been rejected by my Android Pay device on the same terminal in one case.

Think it's a limitation of the issuer. I use my Hong Kong contactless card all the time for transactions up to 100GBP (the HK$1000 limit set by my bank) and the terminals just accept it.

Re: Apple Pay on pace to account for 10% of global card transactions

#245

Post by selimthegrim »

remir wrote: post #229
herpderperator wrote: post #117

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 sin…

One of Apple's core strength is in marketing. I heard some folks refer to an Android phone as an iPhone. When I pointed out that it was in fact an Android (LG), they didn't knew what Android was. For them, the category of devices that we call "smartphones", are named iPhones. Again, Apple did a hell of a marketing job here.

Usually Kleenex or Coke or Xerox when it gets to this point start suing around loose usage in the media to avoid watering down their trademark.

Re: Apple Pay on pace to account for 10% of global card transactions

#246

Post by reaperducer »

ProfessorLayton wrote: post #188
reaperducer wrote: post #174

Earlier quoted context omitted.

pulling my phone out > hold near reader > phone says get face closer > double tapping the lock screen button which is kind of out of the way on my iPhone 11 You're doing it wrong. Pull phone out → double-click wallet button → Authenticate face → Hold next to reader → done.

Fair point, however, it is worth pointing out I upgraded from a Touch ID phone, where one simply places the phone close to the reader and applied the same behavior to a Face ID phone. I don't believe I'm alone in this learned behavior, and blaming the user for "doing it wrong" is not a sign of great UX. Anyway, thanks for the tip (being sincere here).

My personal phone is FaceID. My work phone is TouchID. I always pick the wrong method when I need to use it.

Re: Apple Pay on pace to account for 10% of global card transactions

#247

Post by NamTaf »

grogenaut wrote: post #88
gregdoesit wrote: post #61

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 w…

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.

Honestly, this runs so counter to the experience that not only I but everyone I know has experienced here, that it almost sounds made-up (though I'm not accusing you of that).

We use contact for everything, with the limit being (for me) $100. Signature is explicitly not allowed any more (overseas cards excepted), with anything over $100 requiring chip + PIN instead. When I say everything, I mean that I don't recall the last time I saw someone use cash to buy a coffee, and the one mate I have who uses cash when he's out at the pub is a unique anomaly to me. Even our public transport systems are (slowly) moving towards augmenting existing NFC transit cards with just allowing you to tap your CC on the reader and charging you a ticket fee directly. I generally don't even bother carrying cash any more, and the biggest payment issue I encounter is whether AmEx is supported (since contactless terminals don't necessarily display that during the payment process).

I would be taken aback if one waiter here was "stunned" by you not needing a PIN to buy things. For "most" to be so beggars belief. As a sibling comment said, the only explanation I can think of is that if you're clearly American due to your accent, then many service staff will be used to Americans being the single different group who can't use contactless and thus prepare to hand over a pen for signature whenever they hear the accent.

Re: Apple Pay on pace to account for 10% of global card transactions

#248

Post by reaperducer »

xenocratus wrote: post #221
reaperducer wrote: post #160

Earlier quoted context omitted.

I've seen it demonstrated on local news programs, and sometimes I see TV commercials for metallic sleeves you can put your NFC cards in so they don't get skimmed. When I had a Washington State combined driver's license/North America passport, it came with one of those little sleeves. So there must be some kind of threat, or the government wouldn't hand those out.

It's not skimming, it simply presents an NFC transaction to the card through wallet/clothes. The card instantly approves, without you doing anything. It's a one-time loss, capped at the transaction limit for contactless. They could try and do it over and over, I guess

The TV reports stated that the cards could be cloned in this manner. Nobody is bringing a store point of sale terminal on the bus and holding it to your butt.

Re: Apple Pay on pace to account for 10% of global card transactions

#249

Post by lttlrck »

Infinitesimus wrote: post #236
aggie wrote: post #167

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 A…

> 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. That's something Samsung got right with their execution. It also emulates a mag stripe so it works in way more places in the US (its always fun when casher tells you you don't accept contactless payments and they see it work)

But 5 years after Samsung introduced MST, Apple Pay is closing in on 10%.
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