Have a whopping 2 transactions under my belt - very easy. iOS upgrade and Apple Pay CC setup uneventful.
Apple Pay Works....
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US issued card should likely work in Canada on apple pay, it will be the Canadian-issued cards that will take some negotiation.
Apple Pay Fail: Some Bank Of America Customers Getting Double-Charged
Burke used Apple's new mobile-payment system on Monday, the day of its highly touted rollout, to make purchases with his Bank of America debit card at Whole Foods and Duane Reade. Those purchases appeared twice on his bank statement the following day.
Burke reported that he called Bank of America for help, but was told it was a problem with Apple. Burke said Bank of America directed him to Apple's help line. Apple, however, reportedly told Burke that there was “nothing they could do about it,” as the company does not keep a record of transactions for security reasons.
Burke said he eventually got Apple and Bank of America on the same line in a three-way-call. He did not disclose any details on what was said during the three-way call. Though he was ultimately refunded his money by Bank of America, the bank maintained that the problem was with Apple Pay, Burke said.
Links: It's all over the internet.
Apple really has problems copying Android features. Then again - I'm guessing the Bell & Roger NFC don't have wonderful drama that Apple zealots seem to relish.
Burke used Apple's new mobile-payment system on Monday, the day of its highly touted rollout, to make purchases with his Bank of America debit card at Whole Foods and Duane Reade. Those purchases appeared twice on his bank statement the following day.
Burke reported that he called Bank of America for help, but was told it was a problem with Apple. Burke said Bank of America directed him to Apple's help line. Apple, however, reportedly told Burke that there was “nothing they could do about it,” as the company does not keep a record of transactions for security reasons.
Burke said he eventually got Apple and Bank of America on the same line in a three-way-call. He did not disclose any details on what was said during the three-way call. Though he was ultimately refunded his money by Bank of America, the bank maintained that the problem was with Apple Pay, Burke said.
Links: It's all over the internet.
Apple really has problems copying Android features. Then again - I'm guessing the Bell & Roger NFC don't have wonderful drama that Apple zealots seem to relish.
My guess is that the US banks and apple have a mutual goal - drive out EMV adoption (chip and pin) that apple pay relies on. That means they were willing to cut a fee deal with apple, at least for a time period.
Canada already has EMV, and a number of NFC wallets in use already. Apple doesn't have as much leverage here.
Yes, although I've run into very few people who have actually processed an NFC transaction with their phone.... have you?
Yes. The banks have had wallets for some time, and I've seen more than one person use them. Not a flood.
I think I heard a little air rushing out an Apple balloon. Well benstt, you still missed out - you could have said you had twice the number of purchases if only you were using an Apple card !
How long do you think it will take for Apple Pay to account for half of all smartphone NFC transactions?
I don't know how it will go. My guesses...
Most contactless transactions will likely be with physical cards with chips waved at the terminal - Paypass or Paywave. It is simpler. Mobile wallets will be niche for quite a few years until the walletless youth dominate our demographics. This is a long war.
Apple pay will likely do well in the US as a mobile wallet, but as android has a larger market share as far as I know, apple will have a tough time dominating. Google benefits from the EMV rollout in the US as well, and can add the same wallet functionality - it is a standard dictated by the card companies, and apple implemented it. Google can too.
Applepay won't have any share in Canada for the forseeable future. Apple doesn't have leverage in Canada nd will have to come to terms with the banks.
I can see Apple Pay being a benefit if one could do away with a wallet altogether but I can't see that happening any time soon. As an example, I'll still need to carry a small wallet to hold my driver's licence, OHIP card, Costco, credit and debit cards along with a few others.
While it may be "cool" to buy something with your phone using Apple Pay thus bypassing the agonizing trouble of handing over cash, using Paypass, Paywave or the complicated method of inserting a card and entering a PIN, I don't quite get how otb makes it out to be the next best thing since sliced bread.
I'd file Apple Pay under "whatever".
While it may be "cool" to buy something with your phone using Apple Pay thus bypassing the agonizing trouble of handing over cash, using Paypass, Paywave or the complicated method of inserting a card and entering a PIN, I don't quite get how otb makes it out to be the next best thing since sliced bread.
I'd file Apple Pay under "whatever".
I don't know about the sliced bread but it's vastly more secure than a merchant having your credit card details.I can see Apple Pay being a benefit if one could do away with a wallet altogether but I can't see that happening any time soon. As an example, I'll still need to carry a small wallet to hold my driver's licence, OHIP card, Costco, credit and debit cards along with a few others.
While it may be "cool" to buy something with your phone using Apple Pay thus bypassing the agonizing trouble of handing over cash, using Paypass, Paywave or the complicated method of inserting a card and entering a PIN, I don't quite get how otb makes it out to be the next best thing since sliced bread.
That comes with EMV - notice how you don't have to hand over your card. Fraud at merchants has gone way down when chip and pin came in.
I think it's a good idea for Americans who have been more reluctant to move away from cash. Canadians have been far quicker to pick up on alternate pay technologies. Tapping a card is the same thing as tapping a phone.
Until the government lets us carry electronic ID on our phones, using iPay contains no real benefit that I can see (and I'd rather trust/hold accountable my credit card company than have to worry about 2 separate companies passing the/my bucks).
