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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

#411
post #380
post #345

Earlier quoted context omitted.

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.

I've never paid with a magstripe in Finland. I only remember having some kind of a loyalty program card that required a swipe.

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

#412

Earlier quoted context omitted.

> What is generated per transaction is the EMV unpredictable number, but this is part of the EMV protocol and done for any EMV transaction. What about when magstripe emulation is in use, does Apple Pay support that in the US?

Nope, Apple Pay is EMV only. Only Samsung Pay does magstripe emulation.

Are you sure? Only Samsung (and LG apparently?) have the hardware feature where it tricks a magnetic stripe reader into thinking a card was swiped. However, the kind of magstripe emulation I meant is a feature of EMV where it can provide the same information as a magnetic stripe would, but over NFC, for compatibility with legacy (US) payment systems. Does Apple not support this latter system either? (It's apparently not supported for Apple Card, but Google isn't helping me for Apple Pay.)

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

#413

Earlier quoted context omitted.

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.

Why? Just make me choose shipping and discount options, then present me payment options. All Apple needs to know is the total to charge. Shopify just fucks this up by only having an option to enter a discount code after you've already missed your change to choose Apple Pay.

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

#414

Earlier quoted context omitted.

Apple should really provide a tip when you have done it the wrong way multiple times. I too didn’t know that was a better sequence.

The phone tells you the sequence every time. You double-press the button, it shows the FaceID prompt. You authenticate with FaceID, it tells you to hold it near the reader.

Yeah, but it doesn't tell you the sequence all at once. So you don't know that it's going to tell you to hold near reader, but you know that it needs to be held there, so you try to hold it there while you authenticate, which is at the wrong angle for auth, so it fails, so you click the button again, which this time turns the screen off...

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

#415

Earlier quoted context omitted.

Considering how frequently people use their devices while sitting on a toilet, I'm not so sure.

That doesn't matter, though. No one else touches the device.

You put your device down in public areas. You touch your nasty device and then touch other people, their desks, door handles, and on and on and on. The germs don't magically stay on the device.

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

#416
post #46

I just found out it works at gas stations in Canada where I’d normally have to go inside and have them charge my card and sign for it. It’s made traveling a lot nicer when places support.

> I just found out it works at gas stations in Canada where I’d normally have to go inside and have them charge my card and sign for it. Say what? I live in a rural part of Canada and contactless payments are accepted nearly everywhere, most right at the pump. At worst you're using chip and pin. I can't even remember the last time I had to sign my name for a credit card transaction.

US credit cards you do, at least for me. Sorry if that wasn't clear. I travel to Canada frequently and buying gas is one of the most frustrating parts of it.

Also today a station actually declined my apple pay and I still had to go in. Guess it's not perfect yet.

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

#417
post #262
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

Right, Apple doesn't, Goldman Sachs does. I wonder which one you trust more and if you really prefer this data to be stored by GS.

Once again Apple's marketing makes people believe things that aren't true, without actually lying.

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

#418

Earlier quoted context omitted.

Typically in the US the waiter will take your credit card back to a payment terminal rather than bringing a card reader to you. Contactless isn’t really an option in that case.

Why would you hand anyone your credit card... to take it somewhere else... and do whatever with it ....

Because somehow that's still a normal and accepted practice in the US.

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

#419
post #266

Earlier quoted context omitted.

> No need for any special hardware, any special software Umm, except for the whole Apple device...

You don't need an Apple device. The same tech used by Apple Pay is directly built into a lot of credit cards. https://en.wikipedia.org/wiki/Contactless_payment

And almost every other smartphone.

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

#420
post #317

Earlier quoted context omitted.

The U.S. is notoriously behind on this sort of stuff

"The U.S. is notoriously behind on this sort of stuff" Which is to say, after inventing the credit card , the US has since fallen behind. Too busy inventing The Internet I suppose ...

> Which is to say, after inventing the credit card, the US has since fallen behind.

Yes, it has indeed.

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