4 ms·

I think Apple is getting too much slack. They made it way to easy to add a new credit card.

by vilmosi 12y ago

37prime 12y ago
Some Credit Card issuing banks actually went through verification process when a card was aadded to Apple Pay. For example, a colleague added her United Airlines MileagePlus Club Card. She had to verify her identity before the card was approved for Apple Pay. Meanwhile, another credit card issuing bank which shall remain unnamed, did not go through the verification process when the card was added to Apple Pay.
- charlesarthur 12y ago
  No, name it. Why should known bad players go unnamed? They're the ones which will ramp up the cost of doing business because they get defrauded, and you can bet it's not coming off their yacht bills.
- BaconJuice 12y ago
  why would it be un-named? are you employed by them or something? It would be nice to know who has no verification more than anything.
  - 37prime 12y ago
    No, I am not employed by any financial institutions. At that time my colleague added her Wells Fargo card to Apple Pay and it went through without any notifications from the bank. She has been using this card with iTunes store though. Another colleague added her F&A Federal Credit Union card and went through with little notifications. First National Bank of Omaha notifies the email address on file that that the card is added to Apple Pay. US Bank actually sends a letter via mail that the card was added to Apple Pay. This could change by now.
- urda 12y ago
  > Meanwhile, another credit card issuing bank which shall remain unnamed, did not go through the verification process when the card was added to Apple Pay. No, you need to name the bank. Seriously.
serve_yay 12y ago
Perhaps so, but you won't catch me complaining about that.
joshstrange 12y ago
They made it as easy as the banks allowed them to, some banks require bank login details, some require a call, and some require nothing. The ones in the last two groups are the ones that will be effected not the first (Unless the thief has your bank login and then you're just fucked).
- stevesearer 12y ago
  US Bank required a call to customer service to activate Apple Pay. I don't remember what exactly I had to verify once on the phone, but it wasn't as simple as adding a card number to a phone. The only place I've been able to use Apple Pay so far is Whole Foods and I'm pretty sure it takes a little bit longer than swiping my card. It also feels like showing off for some reason, like "look at what I can do".
  - charlesarthur 12y ago
    "I'm pretty sure it takes a little bit longer than swiping my card." It probably does, but swiping your card is about as insecure as a transaction can be. (Thieves love it though - they break into POS systems and there are tons of mag stripe details.) However, as time goes by you'll have to enter a PIN (as we do in the UK) which is a bit slower - perhaps slower than Apple Pay.

I think Apple is getting too much slack. They made it way to easy to add a new credit card.

by vilmosi 12y ago

I think Apple is getting too much slack. They made it way to easy to add a new credit card.

Some Credit Card issuing banks actually went through verification process when a card was aadded to Apple Pay. For example, a colleague added her United Airlines MileagePlus Club Card. She had to verify her identity before the card was approved for Apple Pay. Meanwhile, another credit card issuing bank which shall remain unnamed, did not go through the verification process when the card was added to Apple Pay.

charlesarthur 12y ago
No, name it. Why should known bad players go unnamed? They're the ones which will ramp up the cost of doing business because they get defrauded, and you can bet it's not coming off their yacht bills.
BaconJuice 12y ago
why would it be un-named? are you employed by them or something? It would be nice to know who has no verification more than anything.
- 37prime 12y ago
  No, I am not employed by any financial institutions. At that time my colleague added her Wells Fargo card to Apple Pay and it went through without any notifications from the bank. She has been using this card with iTunes store though. Another colleague added her F&A Federal Credit Union card and went through with little notifications. First National Bank of Omaha notifies the email address on file that that the card is added to Apple Pay. US Bank actually sends a letter via mail that the card was added to Apple Pay. This could change by now.
urda 12y ago
> Meanwhile, another credit card issuing bank which shall remain unnamed, did not go through the verification process when the card was added to Apple Pay. No, you need to name the bank. Seriously.

serve_yay 12y ago

Perhaps so, but you won't catch me complaining about that.

joshstrange 12y ago

They made it as easy as the banks allowed them to, some banks require bank login details, some require a call, and some require nothing. The ones in the last two groups are the ones that will be effected not the first (Unless the thief has your bank login and then you're just fucked).

stevesearer 12y ago
US Bank required a call to customer service to activate Apple Pay. I don't remember what exactly I had to verify once on the phone, but it wasn't as simple as adding a card number to a phone. The only place I've been able to use Apple Pay so far is Whole Foods and I'm pretty sure it takes a little bit longer than swiping my card. It also feels like showing off for some reason, like "look at what I can do".
- charlesarthur 12y ago
  "I'm pretty sure it takes a little bit longer than swiping my card." It probably does, but swiping your card is about as insecure as a transaction can be. (Thieves love it though - they break into POS systems and there are tons of mag stripe details.) However, as time goes by you'll have to enter a PIN (as we do in the UK) which is a bit slower - perhaps slower than Apple Pay.