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It says that Apple Pay protects your privacy by randomizing the number, but Clover based stores seem to have no trouble tracking my loyalty rewards once I linke

It says that Apple Pay protects your privacy by randomizing the number, but Clover based stores seem to have no trouble tracking my loyalty rewards once I linked my phone number to my virtual card. Same for transit like OMNY in NYC. It tracks my virtual card enough to implement fare capping.

SOLAR_FIELDS 3y ago
There must be at least some truth to the fact that it makes the process more difficult. In Central Texas the most prominent grocery retailer by far is HEB, who has purposefully and intentionally not supported any sort of NFC payments, presumably because it somehow makes it easier to track people’s purchases over time by preventing NFC. FWIW they are the only holdout. You can pay with NFC at Walmart, Costco, gas stations, regular retail outlets, etc almost anywhere else in Central Texas. HEB absolutely sticks out like a sore thumb in their lack of NFC support. And it’s not that they aren’t tech savvy - they own and maintain an Uber-Eats like app here called Favor that works pretty well. They clearly understand technology
- easton 3y ago
  Are you sure about Walmart? They’ve always held out because they want you to use Walmart pay I thought.
  - astura 3y ago
    I guess it could vary by location. My local Walmart is the only place I go to regularly where I have to insert my card instead of tapping.
- cptskippy 3y ago
  I wouldn't be surprised they'd just completed an infrastructure upgrade that didn't support NFC prior to it's growth in popularity and now they're unwilling to pay that upgrade toll all over again. But that's just pure uninformed speculation on my part.
  - SOLAR_FIELDS 3y ago
    No, the readers they install actually have NFC in them, believe it or not. So even the hardware in the POS at the store supports it
deleted 3y ago
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lxgr 3y ago
The merchant's payment service provider receives a unique identifier for the card these days, which was explicitly designed for loyalty and transit use cases: https://www.securetechalliance.org/wp-content/uploads/EMVCo-PAR-WP-FINAL-April-2018.pdf https://www.securetechalliance.org/wp-content/uploads/EMVCo-... > Same for transit like OMNY in NYC. It tracks my virtual card enough to implement fare capping. That's per DPAN, though. Capping doesn't work across devices (or people would just add their cards to friends' and family members' iPhones and split the capped fare).

SOLAR_FIELDS 3y ago

There must be at least some truth to the fact that it makes the process more difficult. In Central Texas the most prominent grocery retailer by far is HEB, who has purposefully and intentionally not supported any sort of NFC payments, presumably because it somehow makes it easier to track people’s purchases over time by preventing NFC. FWIW they are the only holdout. You can pay with NFC at Walmart, Costco, gas stations, regular retail outlets, etc almost anywhere else in Central Texas. HEB absolutely sticks out like a sore thumb in their lack of NFC support. And it’s not that they aren’t tech savvy - they own and maintain an Uber-Eats like app here called Favor that works pretty well. They clearly understand technology

easton 3y ago
Are you sure about Walmart? They’ve always held out because they want you to use Walmart pay I thought.
- astura 3y ago
  I guess it could vary by location. My local Walmart is the only place I go to regularly where I have to insert my card instead of tapping.
cptskippy 3y ago
I wouldn't be surprised they'd just completed an infrastructure upgrade that didn't support NFC prior to it's growth in popularity and now they're unwilling to pay that upgrade toll all over again. But that's just pure uninformed speculation on my part.
- SOLAR_FIELDS 3y ago
  No, the readers they install actually have NFC in them, believe it or not. So even the hardware in the POS at the store supports it

deleted 3y ago

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lxgr 3y ago

The merchant's payment service provider receives a unique identifier for the card these days, which was explicitly designed for loyalty and transit use cases: https://www.securetechalliance.org/wp-content/uploads/EMVCo-PAR-WP-FINAL-April-2018.pdf https://www.securetechalliance.org/wp-content/uploads/EMVCo-... > Same for transit like OMNY in NYC. It tracks my virtual card enough to implement fare capping. That's per DPAN, though. Capping doesn't work across devices (or people would just add their cards to friends' and family members' iPhones and split the capped fare).