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I wanted to use Apple Pay so bad.. loaded several cards into it, and tried it everywhere I shopped.. Turns out, not a single place I shop at regularly accepted

I wanted to use Apple Pay so bad.. loaded several cards into it, and tried it everywhere I shopped.. Turns out, not a single place I shop at regularly accepted apple pay/nfc. I know visa/mc/etc are pushing nfc and POSs are required to be updated soon... so maybe next year. I don't think anyone who has tried Apple Pay is wondering why no one is using it.

PaulHoule 11y ago
I have been getting the smart cards with contacts from my bank, I think the banks are pushing the contact standard because smart phones don't support contacts and it helps them keep the card racket going.
- rgbrenner 11y ago
  You're right.. that's EMV (not nfc).. that's what I was thinking of. Merchants are required to update their POSs by Oct of this year for EMV. But when they upgrade, newer terminals usually also support nfc.
  - PaulHoule 11y ago
    My understanding is that EMV is a protocol that can work over the wired interface or over NFC. I have a contactless debit card I was issued some time ago that definitely talks to the NFC radio in my Nexus 7
zippergz 11y ago
Yup. I use it everywhere I can, but it's still a very small percentage of the places I shop. And I live in a major U.S. Metro area, shopping at very normal places. I also run into stuff like Subway keeping the terminal behind the counter, so if I want to pay with Apple Pay I have to ask the employee to slide it over to me. It's a gamble whether they know what I'm talking about or not. It's easier to just give them a credit card. When I first started using it, I worried about being the guy holding up the line fumbling to get it to work. But after the first few, that went away. As long as the merchant supports it, it usually works pretty seamlessly. There are a few that have stupid quirks, and the cashier can screw it up by pushing the wrong button at the wrong time, but on balance it's surprisingly good for me (when I find a place that accepts it). I don't think it was ever reasonable to expect this to sweep the nation and replace credit cards in the first year. It's going to take time.

PaulHoule 11y ago

I have been getting the smart cards with contacts from my bank, I think the banks are pushing the contact standard because smart phones don't support contacts and it helps them keep the card racket going.

rgbrenner 11y ago
You're right.. that's EMV (not nfc).. that's what I was thinking of. Merchants are required to update their POSs by Oct of this year for EMV. But when they upgrade, newer terminals usually also support nfc.
- PaulHoule 11y ago
  My understanding is that EMV is a protocol that can work over the wired interface or over NFC. I have a contactless debit card I was issued some time ago that definitely talks to the NFC radio in my Nexus 7

zippergz 11y ago

Yup. I use it everywhere I can, but it's still a very small percentage of the places I shop. And I live in a major U.S. Metro area, shopping at very normal places. I also run into stuff like Subway keeping the terminal behind the counter, so if I want to pay with Apple Pay I have to ask the employee to slide it over to me. It's a gamble whether they know what I'm talking about or not. It's easier to just give them a credit card. When I first started using it, I worried about being the guy holding up the line fumbling to get it to work. But after the first few, that went away. As long as the merchant supports it, it usually works pretty seamlessly. There are a few that have stupid quirks, and the cashier can screw it up by pushing the wrong button at the wrong time, but on balance it's surprisingly good for me (when I find a place that accepts it). I don't think it was ever reasonable to expect this to sweep the nation and replace credit cards in the first year. It's going to take time.