13 ms·

Looks like Walmart doesn't take Apple Pay or Android pay after a quick Google search. After the whole CurrentC thing, I don't think I'd trust any store owned pa

by Keverw 11y ago

Looks like Walmart doesn't take Apple Pay or Android pay after a quick Google search. After the whole CurrentC thing, I don't think I'd trust any store owned payment apps. I thought the whole goal of Apple Pay was to simplify things, then all these stores want to make their own versions. To much fragmentation in the mobile payment space, better to just carry a regular major credit card, at least it's accepted almost everywhere universally.

fluxquanta 11y ago
Very much what I was thinking. To add, the integration of mobile (itemized?) receipts is nice, but not nice enough for me to have to install and maintain an app on my device just for one store; an app that will undoubtedly hound me through push notifications about sales and other garbage.
- nickpsecurity 11y ago
  Not just for one store: just for The Store. Walmarts the nations largest retailer with a momentum and presence that few stores have. They're putting that "not just any store" attribute to use here to break past that reaction in many potential users. It will work for many. Like you, I'm skipping it, though.
  - fluxquanta 11y ago
    >Not just for one store: just for The Store. Fair point. I live in a rural area where I'm sure a majority of people shop exclusively at Walmart. For someone like that, it would probably be a great app to have. I shop at Walmart too, but not as often as my local grocery store and specialty shops. I would much rather pay in one, standard way at all of them instead of some patchwork of differing methods: EMV card here, mag swipe there, NFC here, take a picture of a QR code there. It just adds hassle on top of the direct advertising platform(s) I would be voluntarily installing to my device. The benefits just aren't worth it.
- heywire 11y ago
  I was thinking the same thing until I realized that I use a dedicated Starbucks app for mobile ordering and payment...
  - fluxquanta 11y ago
    At least in the case of mobile ordering at Starbucks, that app sounds like it's adding real, additional value: It allows you to do something you otherwise can't do without the app. Aside from the digital receipt thing (which, in my opinion, is really only useful if you are planning on returning an item or collecting receipts for tax deduction) where is the additional value with the mobile Walmart app?
    - heywire 11y ago
      The mobile ordering is a recent addition to the Starbucks app. I've been using it for payment for years -- mostly due to their rewards program, though that is available with a card too.
- deleted 11y ago
  [deleted]
- rblatz 11y ago
  The store that is cluttered and has palettes of junk clogging every aisle. The store that has a terrible meat selection. The store that smells like the inside of a Subway. The store that has made subsidizing your payroll with tax payer funded food stamps common. The store that pivoted from proud to be made in America, to one of the main drivers of outsourcing manufacturing. It's an awful system, just like the rest of their stuff. I'm sure it's going to be very successful.
- VLM 11y ago
  fluxquanta is very close to the full answer. Note that my credit union "app" is just a wrapper for the website which also demands full access to my contact list and GPS and camera. For marketing reasons they want to know where I am and who I hang out with and what competing stores I visit. Imagine your coordinates being determined to be the entrance of an OB/GYN office, and suddenly getting megs of push spam for your new baby. Or you appear to stand around the parking lot at the sportball field for hours every summer weekend, expect lots of push spam about charcoal, disposable grills, brats, picnic stuff. What I don't understand is from a market dominance standpoint, why would walmart of all people want that data? Maybe they think they can market the data to other companies. Everyone has to shop at walmart sooner or later, maybe that means everyone will have their app sooner or later, so they'll have lots of privacy to sell to other companies.
baldfat 11y ago
> the whole goal of Apple Pay was to simplify things I use Android pay and I still think it is harder to pay by phone. I have it in case I forget my wallet at home. http://www.forbes.com/sites/quickerbettertech/2015/06/01/why-is-almost-no-one-using-apple-pay/ http://www.forbes.com/sites/quickerbettertech/2015/06/01/why... The hysterical thing is Apple Watch I saw this guy pay with it and then had to enter the pin and he was doing it through the watch interface. It took him FOREVER and I said "That was simple." He in return said "Simple as Brain Surgery." Don't they already have his finger print???
- Bahamut 11y ago
  Sadly, it's much easier to just pay with Apple Pay on the iPhone.
  - pbreit 11y ago
    Happily, it's much easier to pay with a credit card than all of them.
    - Someone1234 11y ago
      That will change when Chip & Pin are common. Instead of just swiping, yes, yes, done, it will be inserting the card into the reader, the reader fails to read the chip, spitting on it, then trying again, and finally entering the pin and yes, yes, done. Don't misunderstand, chip & pin is something the US has long since needed. But the chips are unreliable and entering a pin on some terminals is annoying. A phone with NFC might be easier than that, just fingerprint to unlock, and then press a single button on the phone.
      - riffraff 11y ago
        As a european who has always had chip cards, it has never happened to me[0] that the reader failed to read the chip. Granted, I don't use the card very often, but I would say in the last 10 ten years I have probably used it a few hundred times. Chip & signature, is usually slower. OTOH, NFC credit cards are now also becoming more common in europe too, i.e. https://www.visa.co.uk/products/visa-contactless/ https://www.visa.co.uk/products/visa-contactless/ http://www.mastercard.com/contactless/ http://www.mastercard.com/contactless/ [0] EDIT: it might have happened and I can't remember it, which is effectively the same thing in context.
pbreit 11y ago
Walmart is in a position to pull this off. The equivalent Starbucks "card" is a major success. Large merchants with loyal followings can do this successfully.
- olentangy 11y ago
  The only reason I use the Starbucks "card" is that I get free drinks with it. Walmart will only succeed if they offered some similar type of kickback to the customer. I don't see it happening.
rjv 11y ago
I try to use Android Pay when I can just for the security benefits of the one-use tokens. Sometimes it's easy, other times it takes forever.. particularly if my cell reception isn't great in the store. Once all stores truly make use of the card chip in the United States, I'll probably just use that because it's essentially the same thing. At this point probably 95% of the stores I shop at still want me to swipe the card rather than enable the chip receiver.
- gst 11y ago
  Same here. I don't care about the convenience, but mostly about the security benefits. In the past 4 years I had to get two credit cards and one debit card replaced after fraudulent charges / fraudulent ATM transactions. Yes - as a customer I'm not liable for those charges, but it's still annoying if it, e.g., takes a few weeks until your bank refunds you the hundreds of Dollars that someone withdrew from your checking account.
rdudek 11y ago
I bet you they don't take Apple Pay or Android Pay because of transaction fees. Them rolling out their own payment system probably saves them quite a bit on fees.
- ascagnel_ 11y ago
  They're taking credit and debit cards, so they have to pay some amount of transaction fees as a built-in part of that. I see nothing where this is any more beneficial to the consumer other than 'it's Walmart' vs. Apple Pay/Android Pay/Samsung Pay/etc.
- jonknee 11y ago
  No, they don't take Apple Pay or Android Pay because they don't have the POS terminals to support them and were part of CurrentC. Walmart wants the data and you can't get that when you don't know who the customer is. That's also why I use Apple Pay.
Shivetya 11y ago
I have read more than one article that many don't use Apple pay either. I have it and honestly have no reason to use it because credit cards just work. It would be one thing if fraud was prevalent and using your credit card was difficult but that has never been the case. I still don't understand the business case other than trying to open a new revenue stream because it certainly wasn't solving a problem
- Zikes 11y ago
  Presumably it's more secure as it shouldn't expose your credit card number to the point of sale. Given the number of major hacks in that area in recent years, that should really be the #1 touted feature of such "X Pay" systems.
  - RussianCow 11y ago
    EMV chips more or less solve this problem, though, they just haven't caught on here in the US yet.
    - usaphp 11y ago
      All of my credit card companies and banks issued me new "chipped" cards within a month or so without my request, so I am guessing they are tryingto take it serious now
      - abakker 11y ago
        FWIW, the transaction time using the chip to authorize vs apple pay is night and day. The Apple pay swipe is quick and you can put the phone back in your pocket. The chip card has to linger through the authorization process and makes the whole thing feel slow.
      - jcheng 11y ago
        EMV liability shift is why both banks and retailers suddenly got serious: http://www.emv-connection.com/understanding-the-2015-u-s-fraud-liability-shifts/ http://www.emv-connection.com/understanding-the-2015-u-s-fra...
joosters 11y ago
Apple Pay (and all other mobile payments) are an odd niche, IMO. They are great in the US, where the alternative currently is signing for a payment, and faster than PIN entry in countries that support chip+pin. But it's still more cumbersome than contactless payment cards. Contactless is as quick as a payment will ever be: Hold your card near the reader for less than a second, and you're done. No need to wait for your phone to wake up and accept a fingerprint, fumbling around trying to hold the phone right, and then put it near the reader. Once contactless cards become more prevalent, Apple Pay / Google Pay becomes pointless.
- erik 11y ago
  I've never used it, but contactless payment from a watch seems like it would be an improvement over retriving a card from my wallet to make a contactless payment.
  - sithadmin 11y ago
    It is. If I have the option to use Apple Pay, I use my Apple Watch.
  - joosters 11y ago
    A watch would make it easier, certainly. But it's a big limiter - smart watches are not widely used, and it adds another battery worry. If my tepid watch battery dies, now I can't pay for stuff.
    - natch 11y ago
      For people who do use watches, it works great. The battery hasn't ever died once on my watch, but if it did, like most people I also have a phone, so the situation you're afraid of doesn't arise.
- sliverstorm 11y ago
  Two thoughts: 1) Contactless uses (needs) the same terminal technology as Apply Pay & Android Pay. So all three are in the same boat, and benefit from the expansion of the others. 2) Just speculating, but Contactless will probably move towards a PIN or something of that nature. The whole payment industry is moving towards 2-factor. Contactless by itself is not 2-factor.

by Keverw 11y ago

fluxquanta 11y ago

Very much what I was thinking. To add, the integration of mobile (itemized?) receipts is nice, but not nice enough for me to have to install and maintain an app on my device just for one store; an app that will undoubtedly hound me through push notifications about sales and other garbage.

nickpsecurity 11y ago
Not just for one store: just for The Store. Walmarts the nations largest retailer with a momentum and presence that few stores have. They're putting that "not just any store" attribute to use here to break past that reaction in many potential users. It will work for many. Like you, I'm skipping it, though.
- fluxquanta 11y ago
  >Not just for one store: just for The Store. Fair point. I live in a rural area where I'm sure a majority of people shop exclusively at Walmart. For someone like that, it would probably be a great app to have. I shop at Walmart too, but not as often as my local grocery store and specialty shops. I would much rather pay in one, standard way at all of them instead of some patchwork of differing methods: EMV card here, mag swipe there, NFC here, take a picture of a QR code there. It just adds hassle on top of the direct advertising platform(s) I would be voluntarily installing to my device. The benefits just aren't worth it.
heywire 11y ago
I was thinking the same thing until I realized that I use a dedicated Starbucks app for mobile ordering and payment...
- fluxquanta 11y ago
  At least in the case of mobile ordering at Starbucks, that app sounds like it's adding real, additional value: It allows you to do something you otherwise can't do without the app. Aside from the digital receipt thing (which, in my opinion, is really only useful if you are planning on returning an item or collecting receipts for tax deduction) where is the additional value with the mobile Walmart app?
  - heywire 11y ago
    The mobile ordering is a recent addition to the Starbucks app. I've been using it for payment for years -- mostly due to their rewards program, though that is available with a card too.
deleted 11y ago
[deleted]
rblatz 11y ago
The store that is cluttered and has palettes of junk clogging every aisle. The store that has a terrible meat selection. The store that smells like the inside of a Subway. The store that has made subsidizing your payroll with tax payer funded food stamps common. The store that pivoted from proud to be made in America, to one of the main drivers of outsourcing manufacturing. It's an awful system, just like the rest of their stuff. I'm sure it's going to be very successful.
VLM 11y ago
fluxquanta is very close to the full answer. Note that my credit union "app" is just a wrapper for the website which also demands full access to my contact list and GPS and camera. For marketing reasons they want to know where I am and who I hang out with and what competing stores I visit. Imagine your coordinates being determined to be the entrance of an OB/GYN office, and suddenly getting megs of push spam for your new baby. Or you appear to stand around the parking lot at the sportball field for hours every summer weekend, expect lots of push spam about charcoal, disposable grills, brats, picnic stuff. What I don't understand is from a market dominance standpoint, why would walmart of all people want that data? Maybe they think they can market the data to other companies. Everyone has to shop at walmart sooner or later, maybe that means everyone will have their app sooner or later, so they'll have lots of privacy to sell to other companies.

baldfat 11y ago

> the whole goal of Apple Pay was to simplify things I use Android pay and I still think it is harder to pay by phone. I have it in case I forget my wallet at home. http://www.forbes.com/sites/quickerbettertech/2015/06/01/why-is-almost-no-one-using-apple-pay/ http://www.forbes.com/sites/quickerbettertech/2015/06/01/why... The hysterical thing is Apple Watch I saw this guy pay with it and then had to enter the pin and he was doing it through the watch interface. It took him FOREVER and I said "That was simple." He in return said "Simple as Brain Surgery." Don't they already have his finger print???

Bahamut 11y ago
Sadly, it's much easier to just pay with Apple Pay on the iPhone.
- pbreit 11y ago
  Happily, it's much easier to pay with a credit card than all of them.
  - Someone1234 11y ago
    That will change when Chip & Pin are common. Instead of just swiping, yes, yes, done, it will be inserting the card into the reader, the reader fails to read the chip, spitting on it, then trying again, and finally entering the pin and yes, yes, done. Don't misunderstand, chip & pin is something the US has long since needed. But the chips are unreliable and entering a pin on some terminals is annoying. A phone with NFC might be easier than that, just fingerprint to unlock, and then press a single button on the phone.
    - riffraff 11y ago
      As a european who has always had chip cards, it has never happened to me[0] that the reader failed to read the chip. Granted, I don't use the card very often, but I would say in the last 10 ten years I have probably used it a few hundred times. Chip & signature, is usually slower. OTOH, NFC credit cards are now also becoming more common in europe too, i.e. https://www.visa.co.uk/products/visa-contactless/ https://www.visa.co.uk/products/visa-contactless/ http://www.mastercard.com/contactless/ http://www.mastercard.com/contactless/ [0] EDIT: it might have happened and I can't remember it, which is effectively the same thing in context.

pbreit 11y ago

Walmart is in a position to pull this off. The equivalent Starbucks "card" is a major success. Large merchants with loyal followings can do this successfully.

olentangy 11y ago
The only reason I use the Starbucks "card" is that I get free drinks with it. Walmart will only succeed if they offered some similar type of kickback to the customer. I don't see it happening.

rjv 11y ago

I try to use Android Pay when I can just for the security benefits of the one-use tokens. Sometimes it's easy, other times it takes forever.. particularly if my cell reception isn't great in the store. Once all stores truly make use of the card chip in the United States, I'll probably just use that because it's essentially the same thing. At this point probably 95% of the stores I shop at still want me to swipe the card rather than enable the chip receiver.

gst 11y ago
Same here. I don't care about the convenience, but mostly about the security benefits. In the past 4 years I had to get two credit cards and one debit card replaced after fraudulent charges / fraudulent ATM transactions. Yes - as a customer I'm not liable for those charges, but it's still annoying if it, e.g., takes a few weeks until your bank refunds you the hundreds of Dollars that someone withdrew from your checking account.

rdudek 11y ago

I bet you they don't take Apple Pay or Android Pay because of transaction fees. Them rolling out their own payment system probably saves them quite a bit on fees.

ascagnel_ 11y ago
They're taking credit and debit cards, so they have to pay some amount of transaction fees as a built-in part of that. I see nothing where this is any more beneficial to the consumer other than 'it's Walmart' vs. Apple Pay/Android Pay/Samsung Pay/etc.
jonknee 11y ago
No, they don't take Apple Pay or Android Pay because they don't have the POS terminals to support them and were part of CurrentC. Walmart wants the data and you can't get that when you don't know who the customer is. That's also why I use Apple Pay.

Shivetya 11y ago

I have read more than one article that many don't use Apple pay either. I have it and honestly have no reason to use it because credit cards just work. It would be one thing if fraud was prevalent and using your credit card was difficult but that has never been the case. I still don't understand the business case other than trying to open a new revenue stream because it certainly wasn't solving a problem

Zikes 11y ago
Presumably it's more secure as it shouldn't expose your credit card number to the point of sale. Given the number of major hacks in that area in recent years, that should really be the #1 touted feature of such "X Pay" systems.
- RussianCow 11y ago
  EMV chips more or less solve this problem, though, they just haven't caught on here in the US yet.
  - usaphp 11y ago
    All of my credit card companies and banks issued me new "chipped" cards within a month or so without my request, so I am guessing they are tryingto take it serious now
    - abakker 11y ago
      FWIW, the transaction time using the chip to authorize vs apple pay is night and day. The Apple pay swipe is quick and you can put the phone back in your pocket. The chip card has to linger through the authorization process and makes the whole thing feel slow.
    - jcheng 11y ago
      EMV liability shift is why both banks and retailers suddenly got serious: http://www.emv-connection.com/understanding-the-2015-u-s-fraud-liability-shifts/ http://www.emv-connection.com/understanding-the-2015-u-s-fra...

joosters 11y ago

Apple Pay (and all other mobile payments) are an odd niche, IMO. They are great in the US, where the alternative currently is signing for a payment, and faster than PIN entry in countries that support chip+pin. But it's still more cumbersome than contactless payment cards. Contactless is as quick as a payment will ever be: Hold your card near the reader for less than a second, and you're done. No need to wait for your phone to wake up and accept a fingerprint, fumbling around trying to hold the phone right, and then put it near the reader. Once contactless cards become more prevalent, Apple Pay / Google Pay becomes pointless.

erik 11y ago
I've never used it, but contactless payment from a watch seems like it would be an improvement over retriving a card from my wallet to make a contactless payment.
- sithadmin 11y ago
  It is. If I have the option to use Apple Pay, I use my Apple Watch.
- joosters 11y ago
  A watch would make it easier, certainly. But it's a big limiter - smart watches are not widely used, and it adds another battery worry. If my tepid watch battery dies, now I can't pay for stuff.
  - natch 11y ago
    For people who do use watches, it works great. The battery hasn't ever died once on my watch, but if it did, like most people I also have a phone, so the situation you're afraid of doesn't arise.
sliverstorm 11y ago
Two thoughts: 1) Contactless uses (needs) the same terminal technology as Apply Pay & Android Pay. So all three are in the same boat, and benefit from the expansion of the others. 2) Just speculating, but Contactless will probably move towards a PIN or something of that nature. The whole payment industry is moving towards 2-factor. Contactless by itself is not 2-factor.