Apple Pay Goes Live in Canada with AMEX Support - Page 3 - ehMac.ca
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Old Nov 28th, 2015, 08:21 AM   #21
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Define "known fact". Again, Amex was my primary credit card for several years and--among the retail establishments I frequented--Amex was accepted at virtually every place that accepted any credit card. I only ever encountered a handful of places that would take Visa/Mastercard but not Amex. Your claim that "that most small merchants will not" is overblown.

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You must only frequent the bigger retailers. I've owned amex for a very long time and at one point tried to switch over to using amex exclusively. I found that most of the small ones would not accept amex but were fine with visa/mastercard. I don't have the numbers but it was enough of a burden that I gave up trying to switch over to amex exclusively.

Of course if you go to a mall most of the merchants there will accept amex as most of those stores are established brands. I'm talking about restaurants/stores that are owned by a family(they only own that one restaurant or store) that just cant accept the high merchant fees that Amex charges. In Toronto, there's always a new restaurant/shop popping up that doesn't accept Amex. Maybe where you frequent, there aren't as many openings of small merchants that you would not have noticed this trend.

WCraig, just ask if they accept Amex tap to pay. If they do, apple pay should work. It's not enough to accept Amex. Many places accept Amex but not Amex tap to pay.
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Old Nov 28th, 2015, 10:08 AM   #22
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...WCraig, just ask if they accept Amex tap to pay. If they do, apple pay should work. It's not enough to accept Amex. Many places accept Amex but not Amex tap to pay.
The point is that I'm not going looking for places to use ApplePay. If I could assume it would work at most of the places I frequent, I might get in the habit of using it.

I've gone to a couple of places where it should have been a no-brainer (Metro, LCBO) and struck out. They clearly take Amex; either they don't take Amex-tap-to-pay or the tap-to-pay function was broken. I'm not going to spend time asking a brain-dead cashier ahead of time. Or stand there trying first one thing and then another while people behind me assume that I've maxed out my cards!

As it stands, this "launch" of ApplePay is for a few die-hard Apple fans, only. IF the big banks hammer out the money side with Apple and bring on Visa and Mastercard, THEN it may be more than a novelty.

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Old Nov 28th, 2015, 10:17 AM   #23
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I've been using visa exclusively for years. Just running with one card. Figured for fun I'd get an air miles American Express card for Apple Pay. Card came and it set up in a minute. Longest part was just activating the card.

Tried using the card to buy milk at Macs. Asked if they took American Express and they do, however they don't accept tap for American Express.

For me my iPhone is built into my wallet, so pulling out a card or my phone is about the same. However if I use my watch then there is not pulling out anything.


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Old Nov 28th, 2015, 04:13 PM   #24
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Why are you so averse to asking a simple question before you pay wcraig? Earlier you were complaining about how humiliating it is to try using it because you don't know if it's going to work. All you have to do is ask one simple question.

If it's so humiliating to use then you should just wait until the banks are on board because everwhere pretty much accepts tap-to-pay for visa/mastercard. Unfortunately that's what you get if you go with Amex and Apple really has no say as to which merchants turn on Tap for Amex cards.
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Old Nov 28th, 2015, 07:19 PM   #25
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I used it at Shoppers today and it worked smoothly.

BestBuy doesn't have ApplePay and the lady at the checkout said she expected BB to get on board ... someday ... LOL
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Old Nov 29th, 2015, 12:12 AM   #26
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Not to offend all you fine people who work in retail, but all too often the person at the checkout has an IQ slightly above that of a bruised apple. If I ask "Do you support ApplePay", I expect they'll either say "What's that" or "No". If I ask "Do you take Amex-tap-to-pay", I might get the right answer...or not. Flip a coin.

BTW, I would have thought that BestBuy would be another slam dunk. I _know_ they take AMEX. They are the type of chain that you would expect to support tap-to-pay for all their cards. I think "the lady at the checkout" may have had it wrong.

Maybe I'm not like most people. When I finally get my turn at the cash register, I've got my cash or card ready in my hand. I want to finish my business and get out. Trying to cipher out whether ApplePay is going to work or fail holds no fascination for me. After trying it and having it fail at several different places, what benefit do I get by continuing to try? I like Apple products, generally, but it is not my job to put credit card commissions in their pocket. The unpredictability negates the slight advantages that ApplePay might otherwise have.

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Old Nov 29th, 2015, 09:47 AM   #27
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Not to offend all you fine people who work in retail, but all too often the person at the checkout has an IQ slightly above that of a bruised apple. If I ask "Do you support ApplePay", I expect they'll either say "What's that" or "No". If I ask "Do you take Amex-tap-to-pay", I might get the right answer...or not. Flip a coin.

BTW, I would have thought that BestBuy would be another slam dunk. I _know_ they take AMEX. They are the type of chain that you would expect to support tap-to-pay for all their cards. I think "the lady at the checkout" may have had it wrong.

Maybe I'm not like most people. When I finally get my turn at the cash register, I've got my cash or card ready in my hand. I want to finish my business and get out. Trying to cipher out whether ApplePay is going to work or fail holds no fascination for me. After trying it and having it fail at several different places, what benefit do I get by continuing to try? I like Apple products, generally, but it is not my job to put credit card commissions in their pocket. The unpredictability negates the slight advantages that ApplePay might otherwise have.

Craig
I've with you on this.

When I am watching a movie, I don't want to notice the technical details. When I am making a purchase, I want the transaction to be as smooth as possible.

I don't have Amex and lately I've been using my debit card more. Tap to pay has been hit and miss. With about a third of the retailers the transaction does not go through and the message is 'Declined'. Freaked me out the first time it happened. But when I used the same card again with the chip, it went through without a problem. So there are definitely user experience issues that should be addressed.

I have a background in retail point of sale systems so I may look at things differently. Although it's been years since I have worked with the them full time. There used to be benchmarks that were highly sought after goals when we were developing new systems. Those seem to have gone out the window.

With the competition from online shopping, bricks and mortar retailers should be doing all they can to improve the customer experience. Sadly few of them are and this appears to be another example.
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Old Nov 29th, 2015, 11:24 AM   #28
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I think "the lady at the checkout" may have had it wrong.
She seemed to be the "go to" person for other staff asking questions so I assumed she might know. I wasn't all that surprised the BB is behind the curve.
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Old Nov 29th, 2015, 12:03 PM   #29
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Used Apple pay off my watch yesterday for the first time. Spent over $100 at a Shell station gas and 3 months of car washes. The clerk was confused as they saw the payment go through but couldn't understand how I paid with my cuff. So there my first purchase over $100 and very painless. More to come I suspect.
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Old Nov 29th, 2015, 11:47 PM   #30
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Paid at Starbucks on Thursday. Fast, and seamless. Transaction still not showing up on my Amex online banking. Other Thursday transactions using Amex card (not Apple Pay) are visible. Maybe a few more days of credit?
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