It could, happens with Paypal but to my benefit.
I don't know anything about paying with fruit but I had this same concern with G-Pay. I've been enjoying using G-Pay to pay for my fast food when using their apps. So far, using G-Pay for fast food payment has been giving me the 'dining' cat (at least with my citi Custom Cash (5%) and my Chase SP (3%)).
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@ptatohed wrote:I don't know anything about paying with fruit but I had this same concern with G-Pay. I've been enjoying using G-Pay to pay for my fast food when using their apps. So far, using G-Pay for fast food payment has been giving me the 'dining' cat (at least with my citi Custom Cash (5%) and my Chase SP (3%)).
Yea, Gpay or now as Google Wallet only, is a little different than Paypal or Apple Pay. Google Wallet only facilitates transactions, no separate deposit account like Paypal or Apple. Think of Google Wallet as a single transaction, whereas Paypal and Apple as a dual transaction, thus the one transaction can disguise the other.
It should not affect transaction coding. I use Apple Pay and have never needed a separate deposit account as ElvisCaprice mentioned. Think of it as an alternative to tapping your card to pay; all transactions just appear as normal charges to your card and the merchant.
@Follower wrote:It should not affect transaction coding.
It does for me or at least how the CC issuer categorizes the transaction. And even that varies. YMMV
@ElvisCaprice wrote:
YMMV
Apparently so.
My most frequent use of Apple Pay is taking public transportation with a designated card set to Express Transit, to let me in with one tap of my watch. Whether I use my Bank of America Preferred Rewards Visa for its travel category or my Citi Rewards+ MC for the bump up to 10 points on small transactions, neither has ever failed to code correctly as transit. (The monthly MasterCard credit for using my city's subway system* also correctly kicks in.) I also use AP to get lunch a lot, and nothing has ever not coded as dining using it as opposed to tapping the physical card.
If you have the time and/or inclination, could you give an example of a charge that you've seen has gone through differently when you've tapped one of your cards, and then another time used Apple Pay with that same merchant and card...?
(*Side note: Do MyFICO members know about this $2.50/month credit?)
@Follower wrote:
@ElvisCaprice wrote:
YMMVApparently so.
My most frequent use of Apple Pay is taking public transportation with a designated card set to Express Transit, to let me in with one tap of my watch. Whether I use my Bank of America Preferred Rewards Visa for its travel category or my Citi Rewards+ MC for the bump up to 10 points on small transactions, neither has ever failed to code correctly as transit. (The monthly MasterCard credit for using my city's subway system* also correctly kicks in.) I also use AP to get lunch a lot, and nothing has ever not coded as dining using it as opposed to tapping the physical card.
If you have the time and/or inclination, could you give an example of a charge that you've seen has gone through differently when you've tapped one of your cards, and then another time used Apple Pay with that same merchant and card...?
(*Side note: Do MyFICO members know about this $2.50/month credit?)
I am unaware of a MC monthly $2.50 subway credit. Not that there are any subways around here, but please do explain @Follower
@ptatohed wrote:I am unaware of a MC monthly $2.50 subway credit. Not that there are any subways around here, but please do explain @Follower
Sure. Info is on this page.
It lasts until the end of the year. Hidden near the end of the FAQs is who doesn't support it: Notably Bank of America (not too surprising since they overwhelmingly offer Visa cards), Capital One, and Goldman Sachs Apple Card.
@Follower wrote:
@ptatohed wrote:I am unaware of a MC monthly $2.50 subway credit. Not that there are any subways around here, but please do explain @Follower
Sure. Info is on this page.
It lasts until the end of the year. Hidden near the end of the FAQs is who doesn't support it: Notably Bank of America (not too surprising since they overwhelmingly offer Visa cards), Capital One, and Goldman Sachs Apple Card.
That is amazing. This particular offer I can't beny from but the concept is very intriguing. It has never dawned on me that the network (MC) could provide offers to card users. I have just always assumed that it had to be the bank/issuer that could/would provide offers. Thanks for sharing.