Do You Use Apple Pay???

Anonymous · ‎08-07-2019

Thanks! I was on the phone at a store, believed to accept Apple Pay, and it kept saying card read error so I had to pull out my physical card. I never got off the phone though to see if it worked though.

@iced wrote:
@Anonymous wrote:
Awesome! Thanks so much! Do you know if you can use Apple Pay while you're on the phone? Does it affect the NFC transmission?
It shouldn't. It's not using data or cellular and the frequency isn't going to overlap (there's a reason the FCC regulates frequency use). I've never been on a phone call while using it to confirm, but I do know it works with no wifi and in airplane mode, so you should be pretty safe.

Anonymous · ‎08-07-2019

Thanks! I find it slightly faster than inserting the chip but that is an interesting point about what info is stored.

@kdm31091 wrote:
No. I don’t find it saves much time vs tapping or inserting and I find it feels pointless to me since I’d still carry the physical cards as backup anyway. Plus I’m not sure I buy that the companies exchange no information about your purchase habits, no matter what they claim.

Anonymous · ‎08-07-2019

Thanks! Didn't know that about the Altitude Reserve, I'd use it for that reason too I've yet to use my Apple Watch to pay for anything though.

@Anonymous wrote:
Only reason I use it is because I have the altitude reserve that gives you 4.5% back on mobile spend. Otherwise, I seldom use it. I do find it to be convenient to use at the vending machines at my job that accept Apple Pay. I just use my Apple Watch to pay and it’s super quick.

I still don’t find it that much quicker than just pulling out your card.

Anonymous · ‎08-07-2019

@Anonymous wrote:
Thanks! I actually just used it at Petco though I wasn't sure if they accepted because I didn't see any sign. Glad they did 😄

That’s my only problem with it. On the store level no one is incentivized to put up signs. They have many more important things to worry about. Once I realized this I started just using wherever. That was a game changer because 95% of the places I shop use it and most don’t let you know. As you said restaurants (anything above casual dining) don’t use it yet.

I like that is logs the transactions on my phone so for cards that don’t give notifications I have a built in receipt. I carry two back up cards just in case. I stopped carry cash years ago. Wallet feels so much lighter.

blindambition · ‎08-07-2019

I use it whenever possible. I’m blind, ApplePay has been a lifesaver.

Many times I’ll find an app has issues with my screen reader when entering payment info.

When in a store... My cards have tactile markers to find right card. ApplePay allows me to not hold up a line. That makes me nervous and anxious.

Mobile payments have been instrumental in making credit cards more accessible for those with disabilities.

Anonymous · ‎08-07-2019

95%?!? That's awesome, I'm going to have to use mine more often now When I went to the grocery store, I asked the cashier if it was accepted and she looked so confused. I just decided to go for it and it worked. Then upon my research, I realized just about any place that accepts contactless payments or NFC, accepts Apple Pay if they have device turned on. Definitely not a lot of education out there about it.

Anonymous · ‎08-07-2019

Wow! Thank you so much for sharing.

HeavenOhio · ‎08-08-2019

@Andypanda wrote:
Yes, By not pulling out my wallet, decreases the chances of me dropping, or loosing a card. Plus it saves time, and the fact that apple pay uses tokens, it decreases the chances of someone getting a hold of my card info, and causing fraud.

This is exactly why you should use it. It's more secure in several ways. In particular, not having to take the card out of your pocket is huge.

An issue that's just as big as acceptance is merchants whose equipment doesn't work. The terminal announces that it takes contactless payments (or specifically Apple Pay), then the transaction doesn't go through. That wastes time. But I still always go into a transaction expecting Apple Pay to work.

Another issue is that employees are oftentimes poorly trained. Ikea's terminals have a weird sequence to follow for an Apple Pay transaction. I've shown several of their employees how to process them.

@Anonymous, if you want to know whether or not a merchant accepts Apple Pay before reaching the checkout, check out its card in Apple Maps. If Apple Pay is accepted, it'll be noted in the "Useful to Know" section of the merchant's information card. Here's an example.

Queen_Etherea · ‎08-08-2019

I will always use Apply Pay if I have a choice. It's 10x easier to pull it up on my phone (which is already in my hand) than digging in my purse for my wallet and then trying to find the card I want in my wallet. Most places I go accept Apple Pay, except Ralph's (grocery store) which irritates the crap out of me. At least they have a Wells Fargo in the store, so they have that going for them.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.