tmiw

I'm not sure it's dying in the US per se as Google Pay at least is still mandating authentication before every tap (and most terminals complain with a specific "check phone" message if you don't). However, terminals/software that's being certified now might be more likely not to print out anything on the receipt indicating such and/or ignore the CDCVM indicator once the phone allows payment.

EDIT: BTW, speaking of CDCVM, I suspect Chase ATMs are blocking all non-CDCVM transactions on Visa (and simply not supporting any other networks at all); tapping my physical Schwab card at a Chase ATM last night just caused the ATM to beep a couple of times. Which would be weird since Chase has had contactless debit cards for a while.

Magna

Oh, Google Pay is dying? I mainly use Apple Pay, but have Google Pay set up. I received an email from Google telling me that I have to switch to their new Google Pay in January 2021 and this new app requires I register a phone number whereas the old one didn't. Perhaps Google's plan for saving Google Pay is to associate all Google Pay purchases to a phone number and then sell that data in order to save Google Pay?

BTW, is Samsung Pay dying too?

tmiw

Google Pay isn't dying. The previous post was about CDCVM, a form of authentication for contactless transactions. The GPay app is a separate deal and it involves their move into consumer banking (think something like Revolut).

As for Samsung Pay, they're basically killing what little remains of their rewards system, but that's also different than outright ending the service.

Hawaiian717

As long as the US doesn’t have a contactless limit, there’s no effective difference to a terminal to do CDCVM vs No CVM. In other countries where there is a limit on card-based contactless transactions, recognizing CDCVM and accepting it allows the terminal to accept a transaction above the limit for a mobile device payment.

tmiw

US terminals would still need to know about CDCVM in order to properly handle the current behavior of the various mobile wallets (which reject all transactions without a CVM). Otherwise, mobile wallets would be unusable domestically.

Of course, this again brings up the question of why mobile wallets insist on CVM for US cards in the first place when Google Pay at least allows low-value transactions without one for non-US cards (not to mention the de facto "official" CVM in the US being effectively "none").

tmiw

PYMNTS is still pushing the "Apple Pay isn't popular" meme, this time through an article about how Apple maybe should let third parties use the NFC chip on iPhones:


Last I checked, 2.65% is a 28% increase over 2019 figures--and that's using incomplete data as 2020 isn't done yet. I will concede that it's likely we'll eventually end up with the majority of transactions being done online, though, but that was a trend happening prior to COVID-19 (and isn't related to NFC adoption except by virtue of reducing card present transactions in general).

BTW, speaking of online, the article also claimed that 4x more people prefer to use PayPal over Apple Pay for online purchases. PayPal has been around a lot longer than Apple Pay, so I'm not sure that's a good comparison.

RedLight2015

The only advantage of Samsung Pay over Google Pay for android users seem to be MST support now. And it seems that point keeps getting more and more moot as each day passes. I think even using QR payment services like Walmart Pay is better than MST at this point.

tmiw

If you know the library card trick, MST is still somewhat useful for gas pumps (albeit finicky). Granted, you'd probably be better off just paying inside where it's pretty likely the gas station supports contactless. Except that weird MX915 7-Eleven near me for some reason that has outdoor EMV enabled.

Speaking of which, I can confirm offline PIN does work at Costco pumps, though outside of non-US cards and the slowly shrinking pool of US Visa credit cards (what little that existed, anyway), I'm not sure it matters much. The pump I used also didn't have the "optical scan not working" sticker on the barcode scanner, so hopefully this means that they're about to enable digital membership at the pump for all locations.

exp

How would you even use PayPal at retail?

Do they have some QR code app?

If that's what they're relying on, no I doubt that's more popular.

tmiw

They do have a QR code thing for in person shopping that came out during the pandemic but the article was referring to their normal "log in with a username and password" thing for online purchases.

Majuki

The ATMs support Chase debit cards with contactless. Our most recently issued ones are from February and have contactless.

The problem with the new Google Pay is that one can only have a single registered device per phone number. It's unhelpful for those of us who carry multiple devices and want to register everything under a single phone number or account.

tmiw

I knew Chase's debit cards have had it for a while but kinda figured that the ATMs only did mobile wallets. I wonder why Schwab's didn't at least spit out the "only Chase cards are supported" message.

Seems like a weird restriction to have. IIRC not even Revolut does this, and I'm fairly sure Venmo and CashApp don't either.

diburning

I would argue (against those Apple Pay statistics) that with current generation Apple phones not having Touch ID (fingerprint sensor) and requiring either Face ID or a passcode to use Apple Pay, that if I'm pulling something out of my pocket to pay, it might as well be my wallet. I would simply pull out the card that I want, and tap that, instead of pulling my phone out, double tapping the side button, selecting a credit card, letting the Face ID fail twice (because I'm wearing a mask) before it shows me the "Pay with Passcode" button that I have to tap and then enter my passcode, and then hold the phone to the pin pad, which takes longer than simply taking card out, tapping it, and putting it away. If we all didn't have to wear masks in public, then yes, Face ID is faster, but during these times, I've found that pulling a card out of my wallet is faster.

PrendellHiggins

Just the new "GPay" app has that limitation. You can still access your cards and passes by going to Settings > Google > Account services > Google Pay. You can make a shortcut to the service by following this guide.

ecs0013

Other than entering in the passcode, it hasn't been that much slower for me. If I'm doing in-person Apple Pay, I'm typically using the default card, so there's no card selection and there was an iOS update earlier this year that caused Face ID to "fail" immediately with a "Pay with Passcode" button if you're wearing a mask, rather than attempt to authenticate twice. I'm also not carrying all my cards, so it still wins there. Even pre-pandemic, I've always had it ready to go before getting to the terminal, so it might just be out of habit. Still, I know we all have our own routines and expectations and if your go-to card is contactless and it works better for you, nothing wrong with that!

I suspect the statistics for Apple Pay also account for in-app/web site-based uses, which I'm typically doing without a mask on (in the car to order something for pickup, buying things while at home, etc.) Still, ultimately, my Apple Watch has gotten more in-person use since it's always "authenticated" and has my cards and wallet passes for places. It does become a two-step process if I'm buying groceries (loyalty pass barcode, then the payment card, typically Square's Cash Card, not the default).