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Costco Accepting Apple Pay and Google Wallet

Costco Accepting Apple Pay and Google Wallet

Old Aug 21, 18, 8:24 am
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Costco Accepting Apple Pay and Google Wallet

I read today that Costco's payment terminals now all accept Apple Pay and other NFC style payments like Google Pay (wallet). Does this circumvent using a Visa card only restriction with Costco or would the terminals detect if my default payment card in the app is an AMEX or other? Anyone have experience recently with it?
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Old Aug 21, 18, 11:43 am
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It does not circumvent using a Visa card only restriction. Any Visa card can be used at Costco, not just the co-branded Costco one.
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Old Aug 21, 18, 3:15 pm
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U.S. American Express Apple Pay FAQs


https://www.americanexpress.com/us/c...-pay/faqs.html

From the link

What is Apple Pay and can I participate as an American Express® Card Member?
U.S. American Express Card Members can now use an eligible American Express Card with Apple Pay to pay on the go at merchants who accept American Express contactless payments, in participating merchant apps, and on the web wherever American Express Cards are accepted. As an American Express Card Member, you can also get these features in Apple Pay:
  • Real-time notifications and details for your purchases when you use Apple Pay on iPhone® or iPad®. Notifications will be for transactions made with Apple Pay or your plastic Card.
  • Seamless connection with the Amex® Mobile app for enhanced account monitoring, servicing on the go and access to rewards and offers.
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Old Aug 21, 18, 10:06 pm
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Apple Pay is still restricted to the merchant's card acceptance policy - for example, I tried using a credit card via Apple Pay at an ARCO gas station and was denied.
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Old Aug 21, 18, 10:24 pm
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I've been doing tap to pay at Costco for two years thanks to Samsung Pay.
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Old Aug 22, 18, 1:50 am
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It's not just Apple Pay that works, now that the wireless tap to pay has finally been turned on you can just tap your Costco credit card itself!
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Old Aug 27, 18, 10:05 pm
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You are still limited to using a Visa card. Apple Pay is just the technology conduit between your credit card and the merchant so it doesn’t override whatever restrictions the merchant has in place.

I found this same issue in Europe this summer in various countries where AMEX isn’t as widely accepted.

Ryan
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Old Aug 28, 18, 9:14 pm
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Originally Posted by ryandelany View Post
You are still limited to using a Visa card. Apple Pay is just the technology conduit between your credit card and the merchant so it doesn’t override whatever restrictions the merchant has in place.
While this is normally true, there are merchants who actually accept AmEx yet heavily discourage you from using one. NFC would be a workaround for such places--until they realize that's what's happening and have it disabled/stop people from using it, of course.
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Old Aug 30, 18, 8:35 pm
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Originally Posted by tmiw View Post
While this is normally true, there are merchants who actually accept AmEx yet heavily discourage you from using one. NFC would be a workaround for such places--until they realize that's what's happening and have it disabled/stop people from using it, of course.
It's up to the merchant to hard-code card types in their system. Before Apple Pay adoption, two local places I frequent both said no Amex, but after their new POS terminal upgrades, Amex would go through at one while the other is actually hard-coded against it.
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Old Sep 1, 18, 12:34 pm
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When will Costco accept Samsung Pay? Just curious!
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Old Sep 1, 18, 2:05 pm
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Originally Posted by allset2travel View Post
When will Costco accept Samsung Pay? Just curious!
They have for a while now thanks to its ability to imitate a magnetic stripe.
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Old Sep 1, 18, 2:47 pm
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Originally Posted by msp3 View Post
It's up to the merchant to hard-code card types in their system. Before Apple Pay adoption, two local places I frequent both said no Amex, but after their new POS terminal upgrades, Amex would go through at one while the other is actually hard-coded against it.
The merchant has to have an agreement with AMEX in order to accept the cards which is more than a merchant hard coding card types.
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Old Sep 1, 18, 7:58 pm
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Originally Posted by tmiw View Post
They have for a while now thanks to its ability to imitate a magnetic stripe.
Cool!
Try it on my next purchase.
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Old Sep 4, 18, 8:42 am
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Originally Posted by allset2travel View Post
When will Costco accept Samsung Pay? Just curious!
See post #5 above....

Originally Posted by pseudoswede View Post
I've been doing tap to pay at Costco for two years thanks to Samsung Pay.
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Old Sep 4, 18, 9:50 am
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Originally Posted by pseudoswede View Post
I've been doing tap to pay at Costco for two years thanks to Samsung Pay.
I have to try that!
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