4 ms·

I love the convenience of Apple Pay, but most vendors don't have it. Pretty much the only place that I've used it regularly is Wegmans, but if I'm buying beer I

I love the convenience of Apple Pay, but most vendors don't have it. Pretty much the only place that I've used it regularly is Wegmans, but if I'm buying beer I have to show my ID and at that point I may as well pay with my card. I like Apple Pay, I really do, but there's hardly enough vendor adoption. Hard to see where the blame lies, aside from the obvious chicken-and-egg problem.

jpmattia 11y ago
> but most vendors don't have it. Is there any financial incentive for them to do the work on installing and maintaining yet another payment method?
- dangoor 11y ago
  The sort of is, now. Retailers in the US that don't support chip cards now have to accept the liability for fraud. For many retailers, that means getting new credit card terminals... and if you're upgrading your credit card terminal, I'm guessing the new one would support contactless payments as well.
- mikeyouse 11y ago
  The big incentive came in October of this year, the liability for fraudulent payments at the terminal switched from the card issuer to the merchants accepting payments. This is in coordination with the roll-out of Chip cards in the US. So basically, all merchants are going to have to upgrade their terminals soon and it really makes no difference to their back end whether you pay via credit card or Apple Pay. http://www.emv-connection.com/understanding-the-2015-u-s-fraud-liability-shifts/ http://www.emv-connection.com/understanding-the-2015-u-s-fra...
- rbritton 11y ago
  The only incentive I can think of is a potentially lower rate of fraud/chargeback.