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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

#261

Post by tzs »

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…

> 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).

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

#262

Post by zie »

gruez wrote: post #260
zie wrote: post #122

Earlier quoted context omitted.

My understanding is Google Pay, Samsung Pay, etc allow Google and friends to track your CC purchases because of the way it's designed, where Apple Pay is designed in such a way that Apple can not tell who you are spending your money with.

>where Apple Pay is designed in such a way that Apple can not tell who you are spending your money with. source on this? AFAIK apple doesn't share it, but they definitely have access to the data.

source: "Apple doesn't retain any transaction information that can be tied back to you—your transactions stay between you, the merchant or developer, and your bank or card issuer."[0]

0: https://support.apple.com/en-us/HT203027

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

#263

Post by gruez »

georgeburdell wrote: post #135

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 https://time.com/3558936/fingerprint-password-fifth-amendmen...

> Unlike passwords, fingerprints are not protected by the 5th Amendment

what's the threat model here? that law enforcement will force to make apple pay transactions? that law enforcement will request fingerprint data from apple?

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

#264

Post by bitxbit »

ckdarby wrote: post #250

If Apple is serious at crushing PayPal it'll purchase Shopify.

Why would Apple pay $57B for something they can develop (a whole lot better) in less than a month? I really cringe when I see people use Shopify. But I understand why mom and pops use it. The same reason why they used to fork over hundreds a year just to register a domain with a low effort generic website.

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

#265

Post by oneplane »

thom wrote: post #206
gregmac wrote: post #199

Earlier quoted context omitted.

Not sure how contactless limits are set, but I suspect it's by the merchant. In Canada most are $100, though there's a handful of places that do $200. Costco is $400. If you go over the limit, you get promted to insert your card and use a pin. Signing a signature is basically obsolete - in fact I can't remember the last time I did. Restaurants usually have a wireless terminal they bring over. It's strange how regiona…

I believe in the UK it's by the card issuers as a security measure (it's definitely a flat £30 for most cards). They're happy to be liable for that amount a few times until the fraud prevention measures kick in, but not more. Apple's appetite for risk is perhaps a little bigger. I don't think I've signed anything for 10+ years tbh, but the UK went pretty heavily for chip and pin early one. But honestly it's a coinfli…

Apple probably requires fully authenticated bi-device on-line transactions making the risk much smaller.

The EMV part requires the merchant device to be online or the process won't happen and the phone part requires user authentication; you'd have to break both at the same time to abuse it. Probably still possible, but much harder than stealing a card and using it until you hit the limit or get flagged.

Probably also why EMV contactless without PIN and EMV contactless with PIN have different limits (amount of transactions and transaction amounts).

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

#266

Post by tree3 »

needusername wrote: post #112
yalogin wrote: post #77

Earlier quoted context omitted.

You can pay using Apple Pay at restaurants? Has to be a special case right?

Sure you can. It's not a special case. That's the beauty of Apple Pay. Industry standard protocol. If the merchant accepts contactless credit cards then Apple Pay will work. No need for any special hardware, any special software or any contract changes.

> No need for any special hardware, any special software

Umm, except for the whole Apple device...

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

#267

Post by zie »

hu3 wrote: post #186
zie wrote: post #122

Earlier quoted context omitted.

My understanding is Google Pay, Samsung Pay, etc allow Google and friends to track your CC purchases because of the way it's designed, where Apple Pay is designed in such a way that Apple can not tell who you are spending your money with.

What happens when someone asks for a refund?

I assume that's handled by the merchant directly to VISA/MC/etc, not by Apple. I've certainly never had to re-auth my apple pay to the payment terminal for a refund.

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

#268

Post by Marsymars »

selimthegrim wrote: post #241
Marsymars wrote: post #226

Earlier quoted context omitted.

> 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.

I don't know that they haven't - I assume those four cities support some additional integration with Google Pay over just paying for tickets.

My local commuter rail "takes" Apple/Google Pay in the sense that you can buy a paper ticket via contactless payment - there are no turnstiles or fare collection, making it essentially an honour system.

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

#269

Post by SlowRobotAhead »

tzs wrote: post #261
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…

> 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…

That’s a lot of work to try and appear to do something no one else cares about.

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

#270

Post by SlowRobotAhead »

1123581321 wrote: post #81
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…

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…

I just try it. And if it doesn’t work I swap for a card and grumble to myself how it’s almost the future.
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