Apple Pay Experiences

Discussion in 'Apple Products' started by WorldExclusive, Oct 23, 2014.

  1. WorldExclusive

    WorldExclusive [H]ardForum Junkie

    Messages:
    10,867
    Joined:
    Apr 26, 2009
    Walked into a CVS but I didn't want to hold the line up just incase it didn't work, so I went to the pharmacy.
    I held my phone over the terminal and from the sleep screen, the phone activated and displayed the cards stored in Passbook.
    Went to the register and paid in one step. Easy.

    The same at Walgreens.

    Apple Pay > Sliced Bread
     
  2. shansoft

    shansoft [H]ardness Supreme

    Messages:
    5,074
    Joined:
    Oct 20, 2008
    I went to McDonald to get some fries earlier, pretty much the same experience....
    Much easier than taking credit card out of my pocket and wallet...
     
  3. mope54

    mope54 [H]ardness Supreme

    Messages:
    7,437
    Joined:
    Oct 2, 2004
    damn now I have to get a big honkin' phone :|
     
  4. synergyo1

    synergyo1 2[H]4U

    Messages:
    3,591
    Joined:
    Jul 2, 2004
    Went to Whole Foods on Monday. Payment was easy-peezy. Plus I got a free apple out of it for using Apple Pay...
     
  5. Jozone

    Jozone [H]ard|Gawd

    Messages:
    1,401
    Joined:
    Jun 3, 2003
    Sorry for the newb question, but can Apple Pay also integrate your CVS membership card or does that still neeed to be supplied seperately?
     
  6. Terpfen

    Terpfen [H]ardness Supreme

    Messages:
    6,079
    Joined:
    Oct 29, 2004
    Yes, Apple Pay ties into loyalty cards.
     
  7. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    No you don't.... just move to Canada... grab CC you want to use, tap the terminal, put card back in pocket and you're done.

    If I only had ONE CC with the tap feature I wouldn't even have to take it out of my wallet. I could just tap that.

    P.S. Welcome to 5 years ago USA.
     
  8. shansoft

    shansoft [H]ardness Supreme

    Messages:
    5,074
    Joined:
    Oct 20, 2008
    Oh wait, So for most people, we have to take out the card from our wallet and put it back, then into the pocket? :rolleyes:

    Not to mention how many credit card stolen through that Tap features......Now we gotta buy a tin foil wallet.... Ouch
     
  9. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    Yup. I take it out, tap it and put it back in. Complicated I know...

    And on the stolen card thing... let me see... I've owned credit cards for almost 20 years. I've yet to lose how many.... hmmm.... let me think..... Zero. Zilch. Nada. None.
     
  10. ND40oz

    ND40oz [H]ardForum Junkie

    Messages:
    11,441
    Joined:
    Jul 31, 2005
    You don't need physical access to an RFID credit card to have it stolen, someone just needs to get within range and grab the data. If you want safe, Chip and Pin is the way to go.
     
  11. -Strelok-

    -Strelok- [H]ardForum Junkie

    Messages:
    10,002
    Joined:
    Dec 2, 2010
    AFAIK those tap credit cards are limited to certain amounts. I read that in Britain they are limited to 20£.
     
  12. mope54

    mope54 [H]ardness Supreme

    Messages:
    7,437
    Joined:
    Oct 2, 2004
    I didn't mean to fork the thread. I was just hoping if anyone from Apple HQ is reading this right now that some of us would prefer an iPhone 6c, please
     
  13. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    A plastic iPhone based on iPhone 5s internals?? :confused:
     
  14. mope54

    mope54 [H]ardness Supreme

    Messages:
    7,437
    Joined:
    Oct 2, 2004
    yeah, and the form factor
     
  15. dr.stevil

    dr.stevil [H]ardForum Junkie

    Messages:
    9,093
    Joined:
    Sep 26, 2008
    Wish I could use it, but no MasterCard support yet afaik :\
     
  16. brentsg

    brentsg [H]ard|Gawd

    Messages:
    1,693
    Joined:
    Mar 8, 2003
    It must just depend on the bank. It seems to support my Citi Mastercard just fine.
     
  17. harsaphes

    harsaphes [H]ardness Supreme

    Messages:
    4,429
    Joined:
    Aug 29, 2005
    I might be making this up but...I thought there was some sort of code generated each time you use the Apple Pay that does not allow anyone to grab it. Each transaction generates a new code?

    Well it was something like that....from Apple.

    Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card to Passbook, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.
     
  18. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    I hope you're joking...
     
  19. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    I have no idea if what Apple is saying is true or not... but here in Canada we've had tap to pay for years... I've never heard of a single person getting their data stolen via tap to pay. Stolen credit cards? Sure... stolen info from tapping? Never. (PSA - Not saying it can't happen or won't... just haven't heard of it.)
     
  20. mope54

    mope54 [H]ardness Supreme

    Messages:
    7,437
    Joined:
    Oct 2, 2004
    why? I'm entirely serious.

    I was referring specifically to the 5s size being perfect in my hand and not wanting anything to do with this current phablet-mania, but to go even further I absolutely adore the poly 5c.

    it's resilient, won't dent, seems to be much better quality than the 3's, feels smooth as silk in my dickbeaters, won't bend (I guess that's a thing for whatever reason so might as well put it out there), and takes me back to a time when I used to hate on all things apple until a stripper left a 3g in my couch and I fell in love with it compared to my cheapass android phone circa whatever year that was when we were struggling for relevancy just for maximum irony potential
     
  21. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    Hmmm... I always thought the 5c felt "slimy" in my hand... too shiny maybe?? :confused:
     
  22. -Strelok-

    -Strelok- [H]ardForum Junkie

    Messages:
    10,002
    Joined:
    Dec 2, 2010
    He meant the actual form factor, as in the 4" screen. The main benefit of Apple Pay is that you can have multiple cards and it's technically safer since no one ever has direct access to the cards information, just a code AFAIK.
     
  23. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    I think the 4" screen is too small... HATE playing games on the things. 9.7" iPad is a bit too big... I always thought the Nexus 7 was perfect until the iPad mini came out.... now I would say it's a toss up... for games the 7-8" screens are best (IMO of course).
     
  24. mope54

    mope54 [H]ardness Supreme

    Messages:
    7,437
    Joined:
    Oct 2, 2004
    I'm too busy white chess horsing and skeletoning around to worry about iOS gaming :D
     
  25. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
    I don't do much... but when I do I want to throw my iPhone... controls are just too small. My Nexus 7 got dropped too many times and is officially broke and my iPad (as mentioned) is too large to lug around with me so my wife uses it. Time to get a new iPad mini or Nexus 7 I guess.

    EDIT - This is why I have been waiting for Apple to release a bigger phone. Since I bought the original Nexus 7 in 2012 I was smitten with the larger screen... still JUST small enough to carry around and NOT be inconvenient but yet large enough to not make me miss my full sized iPad. If/when I buy a new iPhone is will DEF. be a 6 Plus. If not an iPhone it would probably be a Nexus 6. No need for small tablet anymore.

    Large Phone
    Large Tablet
    Large Laptop

    Life is complete! :D
     
    Last edited: Oct 24, 2014
  26. Snowdog

    Snowdog [H]ardForum Junkie

    Messages:
    9,338
    Joined:
    Apr 22, 2006
    Now you are supposed to buy an Apple Watch, so you don't have to take out your phone.
     
  27. pliablemoose

    pliablemoose n00b

    Messages:
    30
    Joined:
    Mar 24, 2012
    Just used it, worked really quickly and without a hitch.

    It felt like the future. :cool:
     
  28. the_servicer

    the_servicer [H]ard|Gawd

    Messages:
    1,986
    Joined:
    Aug 16, 2013
    Isn't that the same promise PayPal makes?
     
  29. WorldExclusive

    WorldExclusive [H]ardForum Junkie

    Messages:
    10,867
    Joined:
    Apr 26, 2009
    Yep!

    I received an email from Chase stating that a unique card number was generated for my Apple Pay transactions. The number on the card isn't used to identify Apply transactions.
     
  30. Ocean

    Ocean [H]ardness Supreme

    Messages:
    4,924
    Joined:
    Oct 19, 2003
    someone should make an infographic video about how this works.
     
  31. QwertyJuan

    QwertyJuan [H]ardForum Junkie

    Messages:
    11,287
    Joined:
    Aug 17, 2000
  32. vsboxerboy

    vsboxerboy 2[H]4U

    Messages:
    3,662
    Joined:
    Oct 17, 2005
    Put your card + friend(s)'s in the same holder and tap it on the pay machine to see who is the chosen one to pick up the tab.
     
  33. WorldExclusive

    WorldExclusive [H]ardForum Junkie

    Messages:
    10,867
    Joined:
    Apr 26, 2009
  34. Ocean

    Ocean [H]ardness Supreme

    Messages:
    4,924
    Joined:
    Oct 19, 2003
    I know one of the reasons walmart couldnt justify doing it was due to over a third of their business was coming from food stamp cards. Maybe cvs and rite aid had medicaid payment issues.
     
  35. wonderfield

    wonderfield [H]ardness Supreme

    Messages:
    7,396
    Joined:
    Dec 11, 2011
    It is, but PayPal stores your account data. Apple does not. They really just mediate the transaction between your bank/card issuer and the merchant, whereas PayPal accepts payment from your bank/card issuer, accepting and/or storing card and account credentials, then doles funds out to merchants. Assuming everything works correctly, anyway.

    Obviously, Apple stores data for any cards you've already added to your iTunes account, but any cards you add through the wallet interface are merely tokenized. The only party who has knowledge of your card number is the card issuer itself.
     
  36. Snowdog

    Snowdog [H]ardForum Junkie

    Messages:
    9,338
    Joined:
    Apr 22, 2006
    No, It is because they along with some other merchants want to role out there own system next year.

    http://techcrunch.com/2014/10/25/currentc/
     
  37. OEM

    OEM [H]ard as it Gets

    Messages:
    20,173
    Joined:
    Jun 15, 2005
    Great...what a cluster fuck this will be. EVERYONE always wants to have their own idiotic system .

    Steam, Orgin, GFWL...ever notice how only one took off and worked?

    I won't be using proprietary mobile pay...fucking stupid. I hate shareholders.

    EDIT: What Android fans aren't telling you is that Google Wallet is turned off, too. Also, people are blowing up CVS's Facebook page about this. Hopefully it'll force them to not bring in their own app/system. Though I'd bet 90% of those people wouldn't care and would willingly give them their info to put in their own app.
     
    Last edited: Oct 26, 2014
  38. WorldExclusive

    WorldExclusive [H]ardForum Junkie

    Messages:
    10,867
    Joined:
    Apr 26, 2009
    QR Code? Really?

    So they are expecting less than savvy people that already have difficulty swiping their card and entering their pin, to go through all of those steps? What a fucking hassle. If Walmart is waiting for this trash system, it's a good reason to avoid shopping there because the checkout lines will now be down the shopping aisles. Like the author said, it only solves the retailers issue not the consumers, which is bad business. Any great business knows you solve the consumers problem first, which Apple has done.
     
  39. OEM

    OEM [H]ard as it Gets

    Messages:
    20,173
    Joined:
    Jun 15, 2005
    Hopefully none of this will matter. I only looked at CVS's and Rite-Aid's FB page, but those two pages were being blown up about them dumping Apple Pay. I then went to Walgreen's page and there were a ton of posts saying basically "I swapped my Rx over to you guys because you take Apple Pay."

    Hopefully this will teach the dumb fuck CEO's and share holders that consumers don't want dumbfuck proprietary bullshit that isn't secure and they'll bring back Apple Pay/Google Wallet.
     
  40. Terpfen

    Terpfen [H]ardness Supreme

    Messages:
    6,079
    Joined:
    Oct 29, 2004
    It's a phone. It has to fit in the pocket. 4'' is excellent for that.

    They weren't on board Apple Pay to begin with. They're launching their own app in 2015 based on… wait for it… QR codes.

    So, instead of tapping your thumb to pay, you unlock your phone, launch the app, and scan a QR code. That's the real LOL.