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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

#291

Post by fphhotchips »

hug wrote: post #179
kylorhall wrote: post #149

Earlier quoted context omitted.

In AU/NZ think the default limit is like $75–$150, depending on the type of shop? With Apple/Google/etc Pay in AU/NZ, the same limit seems to apply as with chips. Above the limit, with Apple/etc Pay, I usually need to sign and have the card physically on you if the merchant asks for it. I think even my Paywave card requires a signature if used via Google Pay, but a Pin without, but I almost never use that one for lar…

Your comment is unclear, and I can't tell if you're talking about any of the above happening in Australia or elsewhere. In Australia signatures are not considered a valid form of identification for transactions. It's PIN or nothing.

That's actually not true either. It depends on the card and the issuer. In particular, contactless Amex cards will occasionally fall back to signature.

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

#292

Post by ogre_codes »

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…

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.

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

#293

Post by wyxuan »

zip1234 wrote: post #259
eigenvector wrote: post #133

Earlier quoted context omitted.

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.

For some reason I have started seeing them a lot more lately and I am not in a tech hub. Perhaps having to upgrade to chip readers, the restaurants were able to get the portable readers as well?

Ingenico makes portable card readers

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

#295

Post by unlinked_dll »

zip1234 wrote: post #259
eigenvector wrote: post #133

Earlier quoted context omitted.

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.

For some reason I have started seeing them a lot more lately and I am not in a tech hub. Perhaps having to upgrade to chip readers, the restaurants were able to get the portable readers as well?

Or too many servers were skimming cards on their way back to the PoS terminal

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

#296

Post by fphhotchips »

filoleg wrote: post #63
Angostura wrote: post #42

Earlier quoted context omitted.

Wait until you see the rather nifty charity billboards that you can donate by waving your phone at them. Saw a photo of one on a bus shelter in the UK

That's actually a genius idea. While I strongly believe that everyone should do some research about any charity before they donate to it, the tappable/waveable donation boards would definitely reduce friction to donating (as well as bringing up awareness of the charity to be researched in the first place).

A few hospitals here in Australia have this to donate to their associated foundations, but in the cafe near the payment station. You've just paid for something, and it takes another 3s to donate - it's almost too easy to be nice without thinking!

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

#297

Post by hakfoo »

rconti wrote: post #196
hprotagonist wrote: post #5

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 o…

Also, overseas with a US CC you almost always have to sign, even if you have a PIN on the card, because the card are set to prefer signature (sometimes you can get away with a PIN; eg, in a parking garage with no cashier). However, with Apple (okay, now Garmin) Pay, I never have to sign.

I went to the UK last year and made great efforts to contact Citibank in advance to get a PIN added to my card.

When it finally arrived in the mail (a week after request, literally hours before my flight), it turns out it's not even a Chip-and-PIN PIN, it's for cash advances. I still did a lot of signing reciepts and waiting for poor underpaid M&S cashiers to sort things out.

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

#298

Post by hermanradtke »

jdminhbg wrote: post #214
awinder wrote: post #209

Earlier quoted context omitted.

The lack of discount codes for Apple Pay always puts me in a quandary of whether I want to just save the time or if it’s worth the hassle. From my experience it seems like I run into a lot of Shopify-backed sites, so I’m not sure if this is due to inherent Apple Pay problems or if it’s that a widely-deployed solution doesn’t support it.

As far as I can tell, that's just poor design on Shopify's part. You can work around it by adding a discount code while checking out with a different method, bailing out, then going back through Apple Pay. It's kind of crazy that it's been broken for so long.

Apple’s UX guidelines make things like discount codes and expedited shipping harder to implement.

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

#299

Post by alteria »

zie wrote: post #262
gruez wrote: post #260

Earlier quoted context omitted.

>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

It's worth noting that the merchant, bank, and credit card issuer can and do regularly sell that information off in de-identified form. Card networks especially like monetizing the data since it's very powerful.

I can't find the page describing the program on Visa's website, but their privacy opt-out describes it pretty well [1].

[1] https://usa.visa.com/legal/privacy-policy-opt-out.html

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

#300

Post by grogenaut »

hug wrote: post #105
grogenaut wrote: post #88

Earlier quoted context omitted.

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.

Where in Australia were you? I ask this because, as an Australian, I pay for essentially every single purchase on Apple Pay. Everyone I know uses mostly their phones to pay. Everyone I know has been using contactless payments on their credit cards (or visa/mastercard debit cards) for the past 5 years. No one enters their pins on transactions under $150. Depending on the payment method, that number can be a lot higher…

Melbourne: 9 days (near chinatown, the G, The Espy) Sydney: 9 days (Circle Quay, Barangaroo, Blue Mountains) Cairns, Airlie Beach, Yeppoon, Hervey Bay, Brisbane (2-3 days each).

I'm American, my card doesn't do contactless, nor chip and pin. I also used old straight swipe cards while there for fun.

I used cards for most purchases except at the melbourne market and a few other places where cash was required.

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