Have you used Apple Pay?

Discussion in 'iOS 8' started by iprncess, Oct 22, 2014.

  1. Europa

    Europa Moderator
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    Just got my Apple Pay fix at the gas station. :D
     
  2. up10ad

    up10ad Genius
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    @Europa have you checked out the app MasterCard Nearby? It has an option to show all locations that accept Apple Pay. MasterCard Nearby by MasterCard

    https://appsto.re/us/uQhyU.i
     
  3. liberated

    liberated Genius
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    May I suggest installing the LockGlyph as a cheaper alternative to your apple pay addiction? You get the satisfying graphic and sound every time you unlock your device without the expense :D
     
  4. Europa

    Europa Moderator
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    No, I'm just checking as I go in stores. So far, everywhere I've gone supports Apple Pay. I still need to try the big chains like Target and Best Buy, but all the local stores that I've gone to take it.
     
  5. Zanthe

    Zanthe #apple
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    What did you buy there? A pack of gum? :D
     
  6. MoneyMaker79

    MoneyMaker79 Genius
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    Best Buy here takes Apple Pay. My memory cannot recall if Target has it though.
     
  7. Napoleon PhoneApart

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    Gas?
     
  8. efuseakay

    efuseakay Contributor
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    Ditched my long-time CC for lack of rewards and the fact that the company could not tell me when, or even if, they were going to approve it for ApplePay, and used my new one the other day at Panera. Worked like a charm.
     
  9. Europa

    Europa Moderator
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    I used Apple Pay for about the tenth time tonight and for the first time, they made me sign a receipt. I asked about it since I've never had to sign before with the Apple Pay payment method and they said it was because the transaction was greater than $20. I looked back through my transactions and I had a couple at another store that were over $20 and they didn't make me sign. Having to sign makes it kinda pointless.

    Is anyone else finding a signiture is required when you spend more than $20?
     
  10. MoneyMaker79

    MoneyMaker79 Genius
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    Could it be just that store requiring it for safety check purposes?
     
  11. Europa

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    What is the point of having it if you have to sign? You are not supposed to have to reveal your name or any other information with Apple Pay.
     
  12. up10ad

    up10ad Genius
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    I have had to sign several times for larger Apple pay purchases. The receipts never show my information including my name or phone number. No one can read my name for my signature so it's not an issue. So far.
     
  13. Ledsteplin

    Ledsteplin Genius
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    The first part of this are excerpts from an article. It was full of a lot of fat, so I cut it and changed some of the wording.

    American Express says, "The whole idea of Apple Pay is that you shouldn't have to sign. And there is no fixed dollar amount that triggers a signature requirement. Instead, the normal fraud prevention rules apply, and they could kick in depending on the circumstances. Plus the merchant may have its own policies."
    VISA says there is a transaction mode reported electronically. Depending on both Visa Corporate policy and the issuing bank's policy, the Apple Pay transaction can, apparently, be treated in a certain way. For example, one purchase made at Macy's was logged as "Proximity payment (probably meaning NFC); magnetic stripe rules."
    That means, even though the transaction was known to be via NFC, it was determined by someone in the chain that mag stripe rules would apply: that is, electronic signature required (subject to any local policy on low cost items). That could have been tied to the dollar amount, but they say there is generally no fixed dollar amount in the formula. It's more related to their procedures for fraud prevention, methods they don't tell you about, and merchant policies.The merchant always has the option, at the point of sale device, to elect to protect themselves in a high dollar purchase by asking for a signature. A Macy's sales clerk, for example, may be unaccustomed to Apple Pay and might triggered a request at the cash register for a signature for a (very modest) jewelry purchase. Also, while American Express and VISA don't require a signature for a fixed amount, other banks and lenders may do so.

    I think it's more the merchant protecting themselves against fraud than any bank requirement. When I finally get Pay and run into that situation, I'll go to the store manager and tell them if I have to sign with Pay, I'll take my business elsewhere. Because you're right about it being pointless with a signature.

    Here's the full article.
    http://www.macobserver.com/tmo/article/when-apple-pay-requires-a-signature-and-when-it-doesn't


    Sent from my ancient but trustworthy iPhone 5.
     
  14. iPutz

    iPutz Zealot
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    I've used ApplePay 5 or 6 times and had to sign twice. The first time I questioned why it was needed and was told that it was store policy. So I gave them a signature that couldn't possibly be read and they were fine with it. Same with the second time. Don't know why they required a signature when any old unrecognizable squiggly line seemed to suffice. Stupid.


    If it ain't broke, don't fix it!!

    Sent from my iPhone 6
     
  15. Napoleon PhoneApart

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    I don't have Apple Pay yet, but I'm growing more disenchanted about using it. If I have to sign a piece of paper after my transaction, where's the efficiency in that?
     
  16. liberated

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    Sorry but "taking your business elsewhere" seems a little excessive and borderline compulsive. If I have a great deal at a store and waited on a long line to pay I will not give two rats behind if I have to sign after using Apple pay. Moreover does anyone think a manager will care whether anyone takes their business elsewhere? Really?! With all that said I recognize that what is a non-issue to me may be a deal breaker for someone else. We are all different :)
     
  17. MoneyMaker79

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    In my opinion, signing is not a huge deal if I have to, I think at one location I had to...CVS. At least I didn't have to take my wallet out and all that.
     
  18. Ledsteplin

    Ledsteplin Genius
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    If I went somewhere that required a signature, I may as well pull out the debit card. Pay is supposed to make it more expedient. Having to sign drags it out. And if a manager got a few hundred people complaining and threatening to shop elsewhere, you bet he'll pay attention. Policy can be changed.


    Sent from my ancient but trustworthy iPhone 5.
     
  19. Europa

    Europa Moderator
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    Exactly. If I'm going to have sign for a debit card Apple Pay purchase, I may as well just use my actual debit card and pin in the card reader.
     
  20. liberated

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    I don't disagree, I just don't see it as a big deal. The process is young and I'm sure as the level of confidence increases we will see more companies do away with the signature.
     

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