Anyone use it? If so likes/dislikes pros/cons.

Those that don't use it any specific reason why not?

Thanks for all input.

I have used Android Pay, Samsung Pay and been with family who used Apple Pay. To me mobile payments are not useful at this time. Most stores don't take it in the US. By the time you asked or look around to see if the store takes it, it's faster and more convenient and probably just as secured to use your chipped credit cards.

The only mobile payment system that comes close is Samsung Pay as it works on even the most basic credit card machines that don't take normal mobile payments. However there's a learning process to it as you have to align the top of your Samsung phone to the read head of the credit card machine. Samsung Pay does work with chipped credit cards.

Overall, I think that mobile payments will make real headway when:

1) all stores take it.
2) all of your wallet contents can be loaded into your phone (i.e. driver's license, health insurance card, auto insurance card, CHL/CCW, etc.)
3) Police, hospitals, doctor's offices take mobile cards.
4) Restaurants have to bring mobile payment scanner onto the guest's table as many people will not hand over their phones to the waiter to pay at his station.

I use it with my Apple Watch, which is linked to my iPhone. That means I have to have my iPhone nearby. A double-click on the side button (NOT the crown button, which is the round one) and put my watch near the NFC reader, wait for the acknowledgment, and I'm done.

The only down side I find is that some of the readers require me to turn my wrist all the way around, so that the watch faces down. Works great!

I use it all the time. It's handy and stores don't get your actual credit card info so don't have to worry about local card numbers theft. I don't know why the above poster thinks they aren't taken at many places. Maybe it's because I'm a city slicker but around here just about every place takes mobile payments. Even small mom and pop shops who have new chip readers take them. Most of them don't know they take them but once you see that little mobile payment symbol on the pin pad where you enter your debit pin you are good to go. Shit I even used Apple Pay at a gunshow the other day. The vendor had a chip reader that accepted it.

Places where I shop like Pizza hut, Walmart, HEB, CVS, Home depot and many local shops here in Austin area don't take mobile payments. This is precisely why I haven't used Android Pay in a long time.

Samsung Pay is the only one that comes close to working universally in all stores including those that expressly do not take mobile payments. However as said, there's a learning curve to it.

I've used it several times via my Apple Watch. It's slick and easy -- just put your wrist near the reader and the payment is done.

The concept is solid and secure.

I've had it set up for some time but never actually used it.

I live in the boonies and none of the places I frequent accept it. If they did, I would use it without reservation.

Most of the stores I shop at have CC chip readers. Totally convenient, and secure – store employees can't get your CC info. If Apple Pay has some advantage, I don't know what it would be.

Edit: One of those stores requires me to enter a PIN number. The rest don't.

I use it when I remember to. It's handy.

Love it use it every chance I get

I'm getting old. What benefit is there to me to add yet another layer between me and the person whose goods or services I'm trying to procure?

I use apple pay. What I like about it is that it's fast. Faster than sticking your chip embedded credit card into the slot waiting for it to be processed.

5 seconds at most with the apple pay, at least over half a minute with the chipped credit card. Makes me feel like i'm unzipped with my dick hanging out in the air.

quote:

Originally posted by trapper189:
I'm getting old. What benefit is there to me to add yet another layer between me and the person whose goods or services I'm trying to procure?

A couple of advantages. The merchant doesn't get your credit card info. Apple Pay generates a one time use number. Also within the Apple Pay app you can go in and easily look at exactly what you have paid for, it keeps a log of usage. It allows you to go for a run etc... without bringing a wallet. It's faster than using a card. It is secured by your own finger print (phone.) It saves you the hassle of getting new cards. I don't know about the rest of you but my most often used cards fall apart within a year or two from constantly coming in and out of my wallet. My debit card for instance never makes it until the expiration day.

quote:

Originally posted by BamaJeepster:
The concept is solid and secure.

I've had it set up for some time but never actually used it.

I live in the boonies and none of the places I frequent accept it. If they did, I would use it without reservation.

I have found that a lot of places accept it they just don't know that they do. I have educated multiple store clerks on Apple Pay. They had no idea they were set up for it. Often the NFC reader isn't on the credit card machine itself it's on the pin pad they hand you.

Just look for this symbol. A place I didn't realize until recently accepted Apple Pay is Chik-fila.

I've got a couple of questions about this.

As I understand it, Apple has your CC info and is the one actually charging your card, thus the vendor doesn't get your info.

So you can probably look up what got spent where via Apple's records, but I assume your CC statements just show a bunch of unrelated 'iTunes' like transactions?

If that is true, then is there a way to capture the detailed information about your transactions with a money management program like Quicken?

Ok so shoot me.. A third question is what is transaction resolution like? Gotta go through Apple? Do they guarantee the transactions like American Express or other CCs?

I keep finding more questions... Does Apple charge the vendor anything for the transaction? Most CC companies charge a transaction fee to the vendor for processing the transaction. Used to be the funds were held for a period of time in case there was a transaction dispute. Same with Apple?

If I go buy gas with my Chase card Chase will immediately enter a $1 transaction to my account until the transaction is completed by the vendor. On the other hand, if I do the same thing with my American Express, they put a $125 charge on the account until completion. What does Apple do?

Ok, I'll quit, for now.

I have only used it at the vending machine (if I don't have any ones) and at the grocery store once, but it always shows up on my statement as the vendor.

I just bought a Mountain Dew. This is what my phone says. The same will be on my bank statement.

I use it any chance I get. I love it. Great form of payment. Like others have said, lots of places don't realize they even take it. Just look for that symbol and most likely they will accept Apple Pay. As of now, if I had to guess, it accounts for about 25% of my transactions.

This message has been edited. Last edited by: cmparrish,

quote:

Originally posted by cmparrish:
I use it any chance I get. I love you. Great form of payment. Like others have said, lots of places don't realize they even take it. Just look for that symbol and most likely they will accept Apple Pay. As of now, if I had to guess, it accounts for about 25% of my transactions.

I love you too, man.

I like it for the security.

I have a Chase credit card and at least once a year the number gets stolen and I have to do the whole account-freeze-new-card routine.

As has been noted, when you use Apple Pay the merchant never sees your card and so a dishonest employee can't steal your number.

quote:

Originally posted by jbcummings:
I've got a couple of questions about this.

As I understand it, Apple has your CC info and is the one actually charging your card, thus the vendor doesn't get your info.

So you can probably look up what got spent where via Apple's records, but I assume your CC statements just show a bunch of unrelated 'iTunes' like transactions?

Someone can answer this better than me, but Apple Pay is a payment technology not a card processor. For example, Ingencio makes the devices you swipe your card through, but they aren't the processor and your charge doesn't say Ingencio.

I don't think either Apple or Ingencio obtains or stores your card info.