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When can we expect Costco to accept Apple Pay?

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nyancat
Established Contributor

Re: When can we expect Costco to accept Apple Pay?


@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

BTW Costco also accepts regular Visa/MC debit cards, not just AmEx. And Apple Pay sends the actual AmEx or debit card to the terminal (just different card number), so it shouldn't be any different from a normal credit card transaction.


Do they really accept Visa and Mastercard debit? I thought they didn't accept Visa and Mastercard at all.


http://www.costco.com/member-privileges-conditions.html:

 

We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identification and approval by a supervisor or manager.
* Not accepted at Costco Gas Stations.
** Not accepted at Costco Food Courts.


Which doesn't say Visa/Mastercard debit? I thought Costco used the smaller and regional debit networks.

American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
Message 21 of 25
Anonymous
Not applicable

Re: When can we expect Costco to accept Apple Pay?


@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

BTW Costco also accepts regular Visa/MC debit cards, not just AmEx. And Apple Pay sends the actual AmEx or debit card to the terminal (just different card number), so it shouldn't be any different from a normal credit card transaction.


Do they really accept Visa and Mastercard debit? I thought they didn't accept Visa and Mastercard at all.


http://www.costco.com/member-privileges-conditions.html:

 

We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identification and approval by a supervisor or manager.
* Not accepted at Costco Gas Stations.
** Not accepted at Costco Food Courts.


Which doesn't say Visa/Mastercard debit? I thought Costco used the smaller and regional debit networks.


Generally debit cards with the Visa/MC logo can be used on at least one or two regional networks as well. My Schwab debit card has Interlink, Plus and MoneyPass logos on it (granted, two of those three are owned by Visa).

Message 22 of 25
nyancat
Established Contributor

Re: When can we expect Costco to accept Apple Pay?


@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

BTW Costco also accepts regular Visa/MC debit cards, not just AmEx. And Apple Pay sends the actual AmEx or debit card to the terminal (just different card number), so it shouldn't be any different from a normal credit card transaction.


Do they really accept Visa and Mastercard debit? I thought they didn't accept Visa and Mastercard at all.


http://www.costco.com/member-privileges-conditions.html:

 

We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identification and approval by a supervisor or manager.
* Not accepted at Costco Gas Stations.
** Not accepted at Costco Food Courts.


Which doesn't say Visa/Mastercard debit? I thought Costco used the smaller and regional debit networks.


Generally debit cards with the Visa/MC logo can be used on at least one or two regional networks as well. My Schwab debit card has Interlink, Plus and MoneyPass logos on it (granted, two of those three are owned by Visa).


Not only generally, it is a requirement for US-issued cards. Internationally, they generally support Maestro (Mastercard). So why do you think Costco runs Visa/Mastercard debit transactions? As far as I know, they do not, but I accept I may be wrong on this.

 

One way to tell, in the US, is if you need a PIN or a signature. If it's a signature, it's a Visa/MC transaction. If it's a PIN, it runs on a debit network.

American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
Message 23 of 25
NRB525
Super Contributor

Re: When can we expect Costco to accept Apple Pay?


@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

BTW Costco also accepts regular Visa/MC debit cards, not just AmEx. And Apple Pay sends the actual AmEx or debit card to the terminal (just different card number), so it shouldn't be any different from a normal credit card transaction.


Do they really accept Visa and Mastercard debit? I thought they didn't accept Visa and Mastercard at all.


http://www.costco.com/member-privileges-conditions.html:

 

We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identification and approval by a supervisor or manager.
* Not accepted at Costco Gas Stations.
** Not accepted at Costco Food Courts.


Which doesn't say Visa/Mastercard debit? I thought Costco used the smaller and regional debit networks.


Generally debit cards with the Visa/MC logo can be used on at least one or two regional networks as well. My Schwab debit card has Interlink, Plus and MoneyPass logos on it (granted, two of those three are owned by Visa).


Not only generally, it is a requirement for US-issued cards. Internationally, they generally support Maestro (Mastercard). So why do you think Costco runs Visa/Mastercard debit transactions? As far as I know, they do not, but I accept I may be wrong on this.

 

One way to tell, in the US, is if you need a PIN or a signature. If it's a signature, it's a Visa/MC transaction. If it's a PIN, it runs on a debit network.


That link didn't work for me, so searched the Costco site, found a "Credit Cards Accepted" page. "Transaction fees charged by VISA, MC and Discover are the highest of all the payment options we accept". Allowed cards are:

American Express Cards

PIN-based Debit cards

Costco Credit Cards

Costco Cash Cards

 

So the earlier comment about Costco setting up a Starbucks-like payment system is not too far out. Apple Pay, however, I still don't see as possible.

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Message 24 of 25
nyancat
Established Contributor

Re: When can we expect Costco to accept Apple Pay?


@NRB525 wrote:

@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

@nyancat wrote:

@Anonymous wrote:

BTW Costco also accepts regular Visa/MC debit cards, not just AmEx. And Apple Pay sends the actual AmEx or debit card to the terminal (just different card number), so it shouldn't be any different from a normal credit card transaction.


Do they really accept Visa and Mastercard debit? I thought they didn't accept Visa and Mastercard at all.


http://www.costco.com/member-privileges-conditions.html:

 

We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identification and approval by a supervisor or manager.
* Not accepted at Costco Gas Stations.
** Not accepted at Costco Food Courts.


Which doesn't say Visa/Mastercard debit? I thought Costco used the smaller and regional debit networks.


Generally debit cards with the Visa/MC logo can be used on at least one or two regional networks as well. My Schwab debit card has Interlink, Plus and MoneyPass logos on it (granted, two of those three are owned by Visa).


Not only generally, it is a requirement for US-issued cards. Internationally, they generally support Maestro (Mastercard). So why do you think Costco runs Visa/Mastercard debit transactions? As far as I know, they do not, but I accept I may be wrong on this.

 

One way to tell, in the US, is if you need a PIN or a signature. If it's a signature, it's a Visa/MC transaction. If it's a PIN, it runs on a debit network.


That link didn't work for me, so searched the Costco site, found a "Credit Cards Accepted" page. "Transaction fees charged by VISA, MC and Discover are the highest of all the payment options we accept". Allowed cards are:

American Express Cards

PIN-based Debit cards

Costco Credit Cards

Costco Cash Cards

 

So the earlier comment about Costco setting up a Starbucks-like payment system is not too far out. Apple Pay, however, I still don't see as possible.


PIN-based debit specifically suggests they are NOT using the Visa and Mastercard network routing options, as I suspected. Visa/MC/Discover acceptance is limited to Costco.com

 

I see no reason for them NOT to enable contactless, though of course it'd still be limited to Amex transactions.

American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
Message 25 of 25
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