Anyone using Google/Apple/ Samsung Pay for their purchases?

[NutBucket]

Ok, so they get some data about who is buying what. I'll grant you that. Do you have one or two tinfoil hats?

 

[lxskllr]

Do you have one or two tinfoil hats?

Iron. Nothing beats iron.

 

[quikah]

Easier than 10 cards, for sure.

you use 10 card to pay? Maybe try using just one next time.

 

[Ichinisan]

I don't see the advantage of Apple/Android pay over using the standard contactless swipe that's out now, what am i missing?

Biometric security. One device instead of many cards. Also, many forms of protection. Your actual card number is never exposed to the retailer.

 

[KMFJD]

Biometric security. One device instead of many cards. Also, many forms of protection. Your actual card number is never exposed to the retailer.

Too many added layers, theft protection already covered by cc's so not a concern, easier to carry around a card than to grab phone, unlock etc....waste of time imho

 

[Ichinisan]

Too many added layers, theft protection already covered by cc's so not a concern, easier to carry around a card than to grab phone, unlock etc....waste of time imho

Apple Pay works from lock screen. You don't even need to wake the device. Have your thumb on the phone as you place it near the reader and Apple Pay pops-up with your default card and reads your thumb in a split second. If you want to select a different card, double click the home button (where you already have your thumb) and tap the card you want to use, then place the phone near the reader.

Seriously. It's quicker than getting out the wallet and selecting a card.

I don't understand how you can say a card is easier.

After selecting a card from your wallet, you still need to handle the wallet while you're handling the card. Check the orientation of the mag stripe and swipe it. Depending on the type of card, it might buzz loudly and nag you to insert in a chip reader after you try to swipe. If you try to go straight to the chip reader, the terminal may nag you that the chip reader isn't active and you need to swipe (I'm in USA, where many retailers are just starting to get POS terminals with chip readers). The chip readers require you to leave your card inserted for a period of time, which is very annoying. Perhaps this will lead to many cards left behind by accident. Sometimes you're asked to type a PIN. Sometimes the keypad is a huge pain or doesn't work at all. Sometimes the card doesn't read and you have to start over. Sometimes you have to wrap a plastic bag around the card as you swipe (picky machines).

[edit]

Forgot to mention a lot of places ask for my ID when I pay with credit card.

 

[KMFJD]

Apple Pay works from lock screen. You don't even need to wake the device. Have your thumb on the phone as you place it near the reader and Apple Pay pops-up with your default card and reads your thumb in a split second. If you want to select a different card, double click the home button (where you already have your thumb) and tap the card you want to use, then place the phone near the reader.

Seriously. It's quicker than getting out the wallet and selecting a card.

I don't understand how you can say a card is easier.

After selecting a card from your wallet, you still need to handle the wallet while you're handling the card. Check the orientation of the mag stripe and swipe it. Depending on the type of card, it might buzz loudly and nag you to insert in a chip reader after you try to swipe. If you try to go straight to the chip reader, the terminal may nag you that the chip reader isn't active and you need to swipe (I'm in USA, where many retailers are just starting to get POS terminals with chip readers). The chip readers require you to leave your card inserted for a period of time, which is very annoying. Perhaps this will lead to many cards left behind by accident. Sometimes you're asked to type a PIN. Sometimes the keypad is a huge pain or doesn't work at all. Sometimes the card doesn't read and you have to start over. Sometimes you have to wrap a plastic bag around the card as you swipe (picky machines).

1 second to take card out 1 second to swipe card, 1 second to put back it back....i think we are talking about 2 different things(?) you just wave or hold it for less than a second (audible beep when done)

It's basically the same thing, without a phone taking it's cut....

 

[JackBurton]

It's basically the same thing, without a phone taking it's cut....

Wrong, the phone takes its "cut" for convenience and the MUCH higher security incorporated, which was already pointed out to you. If I lose my phone, I don't have to call the credit card companies to report lost cards. I'm also not impacted when there is a security breach at some company. Every time there is a compromise to a company's CC DB, the CC company automatically issues me a new card, meaning I now have to re-setup my autopays for services, which is a pain in the ass. That doesn't happen with ApplePay, since each transaction uses a unique identifier that is only good for that transaction. If someone happens to find some way to steal that number, it doesn't matter. It's no longer any good since it's already been used.

As for convenience, I don't even have to pull out my phone. I tap my AppleWatch that's already out and I'm done. It doesn't get any more convenient than that.

 

[edro]

I'm just trying to figure out which stores require the chip insert vs swipe.
I know if my default was to use my phone, 90% of the places would say "that doesn't work".

 

[KMFJD]

Wrong, the phone takes its "cut" for convenience and the MUCH higher security incorporated, which was already pointed out to you. If I lose my phone, I don't have to call the credit card companies to report lost cards. I'm also not impacted when there is a security breach at some company. Every time there is a compromise to a company's CC DB, the CC company automatically issues me a new card, meaning I now have to re-setup my autopays for services, which is a pain in the ass. That doesn't happen with ApplePay, since each transaction uses a unique identifier that is only good for that transaction. If someone happens to find some way to steal that number, it doesn't matter. It's no longer any good since it's already been used.

As for convenience, I don't even have to pull out my phone. I tap my AppleWatch that's already out and I'm done. It doesn't get any more convenient than that.

Alrite....so now i have to have a smart phone and an apple watch to match the convenience of a credit card..gotcha. If you lose your phone your out a hell of a lot more than me losing my card which is easily replaced.

 

[WelshBloke]

1 second to take card out 1 second to swipe card, 1 second to put back it back....i think we are talking about 2 different things(?) you just wave or hold it for less than a second (audible beep when done)

It's basically the same thing, without a phone taking it's cut....

Yeah that.

I'm not getting the "but the phones quicker" thing. Contactless cards are pretty much instantaneous here.
I've used my phone for payment a few times and it's OK, it's definitely easier using a card though. The card is just better suited to tapping on a reader.

 

[edro]

I believe Chase removed the NFC (Blink) chips from all their credit/debit cards when they rolled out the security chip versions.
I no longer have the NFC logo on the back of the card.
I also remember getting emails/snail mails about them removing the functionality for security reasons.
I really liked it for the few years it worked.

From their FAQs:
Do chip cards use contactless, NFC (Near Field Communication) or blink technology?
NFC technology is different from chip technology. At this time, Chase cards with chip cannot be used directly for NFC payments. However, you can load your Chase chip card to a digital wallet that uses NFC technology to make payments.

Do chip cards use RFID (Radio Frequency Identification)?
At this time, Chase cards with chip do not have RFID technology and cannot be scanned for RFID payment. For this reason, there is no need for a special sleeve to protect from accidental scanning.

 

[NutBucket]

IMHO Chase removed it because it wasn't heavily used. I surprise cashiers all the time when I do contactless with my Amex card.

 

[KIAman]

I've been using samsung pay on my s6 edge wherever I can. Saved me lots of times in those rare cases I left wallet at home. I don't like carrying my wallet around (i know some people find it strange), I usually leave it inside my glovebox in my car, so this is nice.

 

[cronos]

My wife is using Android pay everywhere. I haven't been used to it, so usually when I realized it's too late. I do always use it for the vending machine, though. Way more convenient than having to carry change or fighting with the machine smoothing the singles (I rarely carry any cash with me anyway).

 

[foghorn67]

Dummies. It's about security. But all of you are crying about how your antique card is more convenient.
Charitable for your local swipers that want to go on an electronic store shopping spree, I guess.

 

[Ichinisan]

I'm just trying to figure out which stores require the chip insert vs swipe.
I know if my default was to use my phone, 90% of the places would say "that doesn't work".

They'd usually be wrong too. They often doesn't realize their terminal supports RF apartment and that supports Apple Pay.

 

[WelshBloke]

Dummies. It's about security.

My card is free, the data on the chip is encrypted, any loses are covered by my bank if it gets stolen.

My phone is very expensive and I have to pay for it if I drop it or it gets nicked. I'd rather not wave it around in public if I don't need to use it.

 

[foghorn67]

My card is free, the data on the chip is encrypted, any loses are covered by my bank if it gets stolen.

My phone is very expensive and I have to pay for it if I drop it or it gets nicked. I'd rather not wave it around in public if I don't need to use it.

The insurance behind the recovery isn't free. It's passed on to the consumer.
But we are talking about US banks and cards. Most people in the States are still stubbornly in love with mag stripes.
And Samsung Pay is a wonderful way to make transactions secure since most places don't accept chips.

 

[Ichinisan]

Dummies. It's about security. But all of you are crying about how your antique card is more convenient.
Charitable for your local swipers that want to go on an electronic store shopping spree, I guess.

I don't even get the convenience argument. You have to open your wallet to select a card. You have to handle the wallet WHILE you use the card. Apple Pay is easier than RF cards. Period.

One thing comes out of my pocket and goes back into my pocket 2 seconds later. I probably had it out of my pocket already if I was waiting in line.

 

[Ichinisan]

Alrite....so now i have to have a smart phone and an apple watch to match the convenience of a credit card..gotcha. If you lose your phone your out a hell of a lot more than me losing my card which is easily replaced.

So now I don't need a phone because I have a card?

 

[Ichinisan]

My card is free, the data on the chip is encrypted, any loses are covered by my bank if it gets stolen.

My phone is very expensive and I have to pay for it if I drop it or it gets nicked. I'd rather not wave it around in public if I don't need to use it.

Do people still steal iPhones? With iCloud lock and Touch ID, they should be practically worthless to thieves except as replacement parts.

 

[KentState]

Use it all the time since my phone is with me. Only need my license at the most when out.

 

[WelshBloke]

....

 

[foghorn67]

The insurance is free to me or as free as it would be using any payment method.
My cards free
But we are talking about US banks and cards. Most people in the States are still stubbornly in love with mag stripes.
And Samsung Pay is a wonderful way to make transactions secure since most places don't accept chips.

Haha. You suck at quoting
Anyway, bank fees, hidden. It cost money to insure. It's not free to them so you will never see it as a direct charge.
Simple, really.