topic Re: discover - apple pay in Credit Cards

discover - apple pay

Anonymous — Fri, 14 Aug 2015 03:52:04 GMT

i am still quite surprised that discover does not use apple pay. are there any cards that you use on a frequent basis that are not an apple pay or google wallet?

Re: discover - apple pay

Jeff532003 — Fri, 14 Aug 2015 05:59:46 GMT

Discover will work with Apple pay beginning next month FYI. Also yes I use my BJ's perks card and orbitz visa a bit and commenity is not on there last I tried.

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 12:26:28 GMT

thanks for the info. the discover lady didn't know lol

Re: discover - apple pay

kdm31091 — Fri, 14 Aug 2015 13:33:11 GMT

@Jeff532003 wrote:
Discover will work with Apple pay beginning next month FYI. Also yes I use my BJ's perks card and orbitz visa a bit and commenity is not on there last I tried.

Not surprised since Comenity by and large doesn't even have chip yet. Not that I really care much, but it seems a bit suprising they seem to be still mailing out brand new cards without a chip. Target is one retailer who recently started "enforcing" chip: if your card has a chip, the register makes you use it, not swipe. With this being the case, you'd think every issuer would get on the ball with chip. Anyway, this thread is about Apple Pay, not chip, but yeah, Comenity needs to step it up.

Re: discover - apple pay

MASTERNC — Fri, 14 Aug 2015 14:00:28 GMT

@Jeff532003 wrote:
Discover will work with Apple pay beginning next month FYI. Also yes I use my BJ's perks card and orbitz visa a bit and commenity is not on there last I tried.

BJ's card will also work with Apple Pay beginning next month. It is considered a "store card" (despite the MC) and will be one of the first store cards to use Apple Pay (others are Kohl's and JCP).

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 14:19:07 GMT

I read somewhere it was just that discover had a previous contract with some company like PayPal, they were waiting out the clock so they could be available on Apple pay

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 14:54:07 GMT

Apple Pay? How very 2014! New bestest thing ever is Samsung Pay, starting next month.

Re: discover - apple pay

takeshi74 — Fri, 14 Aug 2015 16:42:04 GMT

Again, best. Is highly subjective. Samsung's a nonstarter for me at the moment. Of course, YMMV. Apple's certainly a nonstarter for many as well.

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 17:09:51 GMT

@takeshi74 wrote:
Again, best. Is highly subjective. Samsung's a nonstarter for me at the moment. Of course, YMMV. Apple's certainly a nonstarter for many as well.

While "best" is highly subjective, "bestest thing ever" isn't, as it is not a serious evaluation at all.

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 18:10:18 GMT

lol. i am impartial to either but i just want my darn cards on it

Re: discover - apple pay

UncleB — Fri, 14 Aug 2015 19:21:09 GMT

@Anonymous wrote:
lol. i am impartial to either but i just want my darn cards on it

LOL... you guys are making me feel like I'm behind the times...

I'm using a Moto G LTE, and the only kind of "pay" it works with is an older tech called "take-it-out-of-your-wallet-and-pay"

Maybe my next phone will have ApplePay, SamsungPay, or AndroidPay... I know they're all a bit different, but they all seem cool.

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 20:37:21 GMT

i like apple because they use the Touch ID and it's flawless

Re: discover - apple pay

Anonymous — Fri, 14 Aug 2015 23:00:11 GMT

@Anonymous wrote:
i like apple because they use the Touch ID and it's flawless

The claimed advantage of Samsung Pay is that it will work on "most" terminals, doesn't need NFC enabled ones. But we will see....

Re: discover - apple pay

Anonymous — Sat, 15 Aug 2015 05:32:46 GMT

hmmm not sure how that is possible but as you said.. we will see lol. merchants have to approve it in order for it to work. wal mart won't allow those types of payment methods

Re: discover - apple pay

thecheese — Sat, 15 Aug 2015 08:32:01 GMT

@Anonymous wrote:
hmmm not sure how that is possible but as you said.. we will see lol. merchants have to approve it in order for it to work. wal mart won't allow those types of payment methods

It's supposed to work by emmitting a magnetic signal that emulates that of a regular striped card when you hold it up to the area where you would usually swipe the card, so Walmart or any other merchants don't need to approve anything, it should "just work", but I'd be surprised if it wasn't a bit shoddy on different terminals. We'll see!

Re: discover - apple pay

Anonymous — Sat, 15 Aug 2015 14:10:41 GMT

then what other preventative measures do they take to keep you protected? with apple pay they use "false" card information that expires after each use so no one can copy your info. will they do a similar thing?

Re: discover - apple pay

Jpmack29 — Sat, 15 Aug 2015 14:37:15 GMT

Samsung in general is played out, used to be on their bandwagon when I was a teeny bopper. They just copy Apple.

Re: discover - apple pay

Anonymous — Sat, 15 Aug 2015 15:01:17 GMT

@Anonymous wrote:
then what other preventative measures do they take to keep you protected? with apple pay they use "false" card information that expires after each use so no one can copy your info. will they do a similar thing?

Yes, lots of articles about it now on the web. It uses tokenised information, just like Apple Pay, so no "real" card info is sent. They bought a company the provides the magnetic field technique, I really want to see how well this works. IF it works well, it will be usable much more widely than Apple.

Re: discover - apple pay

NRB525 — Sat, 15 Aug 2015 15:02:36 GMT

@thecheese wrote:
@Anonymous wrote:
hmmm not sure how that is possible but as you said.. we will see lol. merchants have to approve it in order for it to work. wal mart won't allow those types of payment methods
It's supposed to work by emmitting a magnetic signal that emulates that of a regular striped card when you hold it up to the area where you would usually swipe the card, so Walmart or any other merchants don't need to approve anything, it should "just work", but I'd be surprised if it wasn't a bit shoddy on different terminals. We'll see!

It is possible that it works just fine, but the words "Samsung" and "my personal data" I don't ever plan to use in the same sentence.

They don't have a "secure element" hardware in the phone, although Samsung assures us they don't use the data that passes through on the purchase.

I like my ApplePay, because it integrates with the TouchID that secures my phone and certain applications within the phone, and it is hardware secured for the credit card data. ApplePay is gradually finding new stores. Not a lot, I'll admit, but secure where it is.

Samsung, and Android in general, is too easy to hack, in my opinion.

Re: discover - apple pay

Anonymous — Sat, 15 Aug 2015 15:05:48 GMT

@Jpmack29 wrote:
Samsung in general is played out, used to be on their bandwagon when I was a teeny bopper. They just copy Apple.

Varies. Samsung Pay (again assuming the claims are nearly true!) is going to much more than just a copy of Apple Pay. And Android fans are always noting that Apple copies lots of Android features and the Apple fans all think it is a wonderful innovation (e.g. notifications, and finally big screens on Apple) But both are good....