Originally Posted by
pdxer
That's the bank's fault for allowing stolen cards to be added to ApplePay.
Not disagreeing on that. But perhaps there's pressure being applied to stores to do a better job at preventing fraudulent sales in the first place, even if stores themselves aren't liable.
Originally Posted by
pdxer
It's a lot slower to unlock a phone, launch an app, generate a QR code and have it scanned, versus just tapping a phone or watch to the terminal.
Also not disagreeing. However, if merchants find that it's much less expensive to, say, accept Venmo (kinda like how Alipay and WeChat Pay supposedly only command interchange of 0.25% or less), I can see a significant chunk of them accepting it immediately and encouraging its use. After all, a lot of people already use Venmo for P2P payments, so it wouldn't be a stretch to start using it to buy things too.
Originally Posted by
RedSun
There is nothing misguided. It is store policy. All or most of the local ShopRite stores. Other grocery stores are not much better.
The issue is clearly the virtual wallet, Apply Pay included. Most of the traditional stores are still afraid of the new technologies. If you add the cashers earning "minimum wages", it makes things even worse. There is no problem if you just pay with your regular plastics.
Misguided as in store policies, not your decision to shop at said stores. Though I suspect if you really wanted gift cards, there's at least one store in your area who'd sell them.
Also, when the consequence for letting someone use a card without ID against company/store policy is potentially getting fired (and the loss of badly needed income that results), it's no surprise the cashiers follow the rules to the letter.
Originally Posted by
msp3
If you remember far back enough during the heyday of ISIS Wallet (before that turned out to be a terrorist caliphate) tap to pay on non-Apple phones used to require a secure element in your SIM card, and like Apple Pay did not need any data signal to work. The issue was the "secure element" gave the carriers a foot in the door of the process and they asked for a very small percentage of the fees (much like what Apple gets through Apple Pay today), which Google balked at. Google made an end run around the carriers by virtualizing the secure element in Android Pay and pushed it out on their own with the flaw of requiring an active data connection.
IIRC, even with HCE, the major carriers for the most part refused to allow the old Google Wallet app to be installed on Android devices. It only became a thing after Google bought out the remnants of ISIS/Softcard post-Apple Pay introduction.
Originally Posted by
msp3
I still think something like Samsung's implementation (mag stripe emulation) is vastly superior
In the US maybe. And even then, MST isn't anywhere near 100% reliable in my experience. Not to mention that I find it to be fewer steps to use Google Pay (unlock phone and tap vs. select card, push Pay and then tap for Samsung Pay).