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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

#371

Post by SifJar »

tzs wrote: post #231
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…

Another nice feature thing about Apple Pay (and maybe some others?) is automatic updating. Some place I could not use Apple Pay with was involved in a breach, and so my bank notified me that I was getting a new card, and to start using it as soon as it came in the mail. At about the same time as I got the email notice that this was happening, I got a notification on my iPhone that the card had been updating in Apple…

I think Google Pay does this too. Last time my debit card expired & a new one got issued, I went to replace the one stored in Google Pay; it was only in the fraction of a second between hitting the delete button & the card being removed that I noticed it had already automatically updated to the new number

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

#372

Post by 72deluxe »

commandar wrote: post #275
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…

>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. This is literally the first time I've heard a use case that would actually make me care about contactless versus a swipe/insert. Grabbing my phone off the RAM mount would be considerably easier pulling my gloves off and trying to fish out my wallet. In the past, I've always been incredi…

I always thought it would save you touching the communally-used PIN pad and thereby avoid potential contagion.

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

#374

Post by 2zcon »

zie wrote: post #122
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…

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.

Payment providers already sell this data to the finance sector.

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

#375

Post by jk563 »

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.

Not sure where you are or why you experience this - I've made £300+ payments on my phone for sure (car service) and I think I might have done one close to £1000 at one point.

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

#376

Post by rescbr »

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.

Chicago's CTA only accepts US cards, even when paying with Apple Pay. My international cards weren't accepted at all, the card reader failing with a generic error message. I didn't expect Apple Pay being declined, though.

On the other hand, both Las Vegas and Portland transit systems readily accepts foreign cards.

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

#377

Post by jedieaston »

digsy wrote: post #198
Multicomp wrote: post #193

Earlier quoted context omitted.

The number of integrations between MagicBand and the existing &/or legacy systems must be staggering. At the very least, there is the integration between the MagicBand and FREEDOM-POS, the point of sale software running at Disney parks. It could be as simple as the band functioning as a reference to the built-in EFT account called 'play money', which is a stored value account generated on a POS and assigned to a give…

Technology wise, Magic Bands are awesome. You can pay with them in the parks (no fishing around for cash or your credit card), it links to your Disney accounts, you can use them as a ticket to get into the parks and it functions as your door key at Disney hotels and cruise ships. And it all just works. The amount of data they collect from this must be staggering.

It’s insane. There’s long range detectors all over the parks that can pick up the general amount of people in that area of the park for analytics purposes. For example, in the Star Wars area of the park, your MagicBand is detected behind the scenes and your performance on the Millennium Falcon is saved, and cast members can comment on it at point-of-sale terminals (“Hey! I heard you crashed the Falcon!”).

Here’s some of the FCC filings: https://fccid.io/Q3E#axzz3XOMIw4yj

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

#378

Post by javajosh »

divbzero wrote: post #336
CKN23-ARIN wrote: post #330

Earlier quoted context omitted.

So that retailers won't be able to use DPAN to uniquely identify me across transactions.

On the flip side, the ability to look up your past purchases can enable returns without receipts. The other week a store clerk failed to look up my purchase when using my physical credit card, but succeeded when using the same credit card via Apple Pay. I would have been out of luck if I had rotated my Apple Pay number.

Or perhaps your device could store previous identifiers and offer those to the vendor to lookup in their system? Assuming the vendor isn't doing something shady like building an association table between identifiers, this would preserve your privacy and let you change your identifier as much as you like.

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

#379

Post by turc1656 »

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…

MagicBands are awesome. Took the family to Disney last year and it made everything a breeze. Photos, food plans, park/hotel/room access. Everything. All professional photos from the photographers walking around were just in our account when we logged in and could download whatever we wanted. FastPasses were linked as well from whatever we selected on our mobile phones. Best billion dollars they ever spent. Hands down made the trip for my wife and I orders of magnitude simpler. If you really wanted, you could literally not carry a single thing except for your phone and the band around there.

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

#380

Post by AnssiH »

rimliu wrote: post #345
Hamuko wrote: post #309

Earlier quoted context omitted.

In Finland pretty much all places support NFC cards and by extension Apple Pay. Yet to come across a place where it didn't work.

I think Europe got rid of magstripes 15 years ago. IIRC 2005 was the deadline.

My last magstripe transaction in Finland was in 2010 at a local supermarket that upgraded late.
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