does using Apple Pay affect how transactions are coded?

[dfwxjer]

The merchant MCC passes through Apple Pay so transactions earn rewards as though you swiped/dipped the physical card. 

[ElvisCaprice]

I don't use Apple Pay, just Paypal, assumed it was similiar if not more liberal with merchant codes.  Seems not to be the case as you all are saying here? 

With Paypal there are certain bills if payed thru paypal will trigger an online purchase with my BoA CCR, whereas if I do the transaction direct, without Paypal, I do not receive the online purchase at BoA CCR.

[Follower]

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@ElvisCaprice wrote:

I don't use Apple Pay, just Paypal, assumed it was similiar if not more liberal with merchant codes.  Seems not to be the case as you all are saying here? 

With Paypal there are certain bills if payed thru paypal will trigger an online purchase with my BoA CCR, whereas if I do the transaction direct, without Paypal, I do not receive the online purchase at BoA CCR.

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Is it possible that you are thinking of Apple Cash, rather than Apple Pay? That is their service that's very similar to PayPal and Venmo and has the deposit account you mentioned earlier. I don't use it but I could certainly imagine that it would mess with rewards.

[ElvisCaprice]

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@Follower wrote:

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@ElvisCaprice wrote:

I don't use Apple Pay, just Paypal, assumed it was similiar if not more liberal with merchant codes.  Seems not to be the case as you all are saying here? 

With Paypal there are certain bills if payed thru paypal will trigger an online purchase with my BoA CCR, whereas if I do the transaction direct, without Paypal, I do not receive the online purchase at BoA CCR.

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Is it possible that you are thinking of Apple Cash, rather than Apple Pay? That is their service that's very similar to PayPal and Venmo and has the deposit account you mentioned earlier. I don't use it but I could certainly imagine that it would mess with rewards.

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Oh, I didn't know there was a difference.  Not an Apple guy.  PC/Android all the way.

[Follower]

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@ElvisCaprice wrote:

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Not an Apple guy.  PC/Android all the way.

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I sensed that.

[UncleB]

I've been using Apple Pay since last December so I'm fairly new, but I use it often due to having the U.S. Bank AR.

In my experience the MCC has been transmitted exactly the same as using my physical card.

Note that Apple Pay is a very different concept from Paypal, which is a third-party that has to pass-through the purchase to the bank.  With Apple Pay the token used by the phone to make the purchase is provided by the issuer (not Apple) so there's no middle man to mess with the MCC or any other data.