Apple Pay Blocked at Rite Aid and CVS in Favor of QR Code Payments

26 Oct 2014 | Author: | No comments yet »

Apple Inc. (NASDAQ:AAPL)’s Apple Pay Being Blocked By Major US Retailers.

I’m not sure exactly when it happened, but it was definitely within the last year. The company, which is one of the biggest drug store chains in the country, said it is currently not accepting Apple Pay or the competing Google Wallet.

With Apple Pay’s rocky start, they can’t use any bad publicity but news about a recent scandal from CVS and Rite Aid could put another chain in their proverbial spokes.Apple Pay has generated a lot of hype since it’s announcement, but it seems the service is having a hard time making its way to big retailers in the US.It looks like the newly launched Apple Inc. (NASDAQ:AAPL)’s Apple Pay will face major hurdles in getting accepted as a mobile payment payment in many US retailers.

According to a report by The Verge, retail heavyweights such as Wal-Mart, Kmart, 7-Eleven, and Best Buy, Rite Aid and CVS have made modifications to disable NFC readers in their stores to block Apple Pay and other mobile payment systems such as Google Wallet. But all those days standing in line, seeing other customers pay with their cards, and watching the baristas shrug it off and keep pouring—and they didn’t even have to make change.

I just want to point out as a result of my choice to reject formal religion while still remaining open to the possibility of a theist deity, I got to sleep in last Sunday and then on Monday, I got to feel as though maybe there was an almighty God with complete dominion over all there is and that He deeply approved of the work I was doing here on the mortal plane. Two company spokespeople failed to return numerous calls made on Thursday and Friday, although the company’s customer service department confirmed the ‘tap-and-go’ payment systems were not currently welcome.

Because on Monday morning, mere hours after Apple released the iOS 8.1 update that enabled the Apple Pay feature on its new iPhones, I got a phone call from my bank telling me that it was issuing me a new card. It’s also unclear if the retailer has disabled all NFC payment ability on its terminals, thus also rejecting debit and credit cards with built-in NFC chips, or if it is actively identifying and blocking just those payments made with Apple and Google systems. All you have to do, apparently, is call the credit card from the Passbook application and use the fingerprint authenticator in the iPhone 6 (or iPhone 6 Plus) to finalize the purchase. Although you can make a case that Square’s popularity among coffee shops has played a big role, our changing relationship with cash isn’t limited to snooty coffee houses. I hadn’t become the victim of identity theft or anything; their computers noticed that I had engaged in risky behavior over the past year (i.e., “I bought stuff at Home Depot once or twice”) and they didn’t want to take any chances.

While Rite Aid isn’t commenting on the move, some have linked the decision to the company’s membership in Merchant Customer Exchange (MCX), a mobile wallet app backed by a consortium of retailers that “lets customers securely save, earn participating merchant loyalty points and pay.” The payment system aims to cut out credit card processing fees, and deduct the amount directly from your bank account when you pay at the cash register using the app. The timing was so perfect that I’ve been checking the singe marks on my morning toast all week just in case it contained battery specs on the forthcoming Apple Watch. By using their own payment system, the retailers will be able reduce credit card fees as a joined force. for mobile payment, they could use their own payment cards or prepaid cards. And to show they mean business, both companies have completely shut out all NFC services. “Please note that we do not accept Apple Pay at this time.

A recent BankRate survey found that two out of five consumers carry less than $20 in cash. (I currently have $53 in cash on hand, but I’m travelling so that shouldn’t count.) What are we using instead? The technology behind a conventional credit card has been around for more than fifty years: a number is printed on the surface of your card and anybody with eyes can read it or copy it down. We expect to have this feature available in the first half of 2015.” “If customers attempt to pay for a transaction with Apple Pay, a message will prompt both customers and cashier for a different from of payment.

This has enticed many retailers to jump on the bandwagon, beside Wal-Mart, GAP, 7-Eleven, Old Navy, Kohls, Lowes, Dunkin’ Donuts and the list goes on. We are continually evaluating various forms of mobile payment technologies, and are committed to offering convenient, reliable and secure payment methods that meet the needs of our customers. Cash and even credit cards aren’t difficult to use, but anyone who’s used Uber and jumped out of the car at the end of the trip without reaching for their wallet or signing a receipt will agree that there are some advantages to going digital.

Whereas I could write two thousand words explaining why Apple Pay transactions are secure and I’d still be skipping over lots of the engineering and criminally oversimplifying the math. In simplest terms, when you configure a credit or debit card to work through Apple Pay on an iPhone 6 or 6 Plus (the only two iPhones that support it in brick-and-mortar stores), the phone’s Passbook app talks to your bank and creates a separate “burner” account number that’s securely associated with this one phone and with this one bank card. The battle ground who will control the mobile payment market is filling up quickly and at the moment, it’s wait and see for CurrentC to prove itself in this space, but don’t be surprised to see more retailers join in.

For now, Apple Pay is only available to iPhone 6 and 6 Plus owners, but those users get a service that offers them a safer way to make purchases online and off. Even the store’s own computers don’t receive any data that can be used to make fraudulent purchases, so don’t worry about malware on that ancient unpatched Windows XP machine in the manager’s office. Setting it up is only slightly a step or two trickier than configuring Apple Pay, but in the end you get almost the exact same experience: use your phone to safely pay for things using an existing card account. I usually had to place the phone in contact with the terminal (thus rendering the term “contactless payment” ironic), and when additional validation was necessary, I did it with a PIN instead of TouchID. I must also admit that although I trust Google, the answer to the question “Which company is least likely to harvest data about your habits?” is “Apple.” Otherwise?

When a payment is made, Google Wallet generates a standard system notification on the phone, whereas Apple Pay zips me back to my iPhone home screen so fast that I was left wondering if I was free to leave with my stuff. It isn’t as convenient as contactless phone payments, and you’re still exposing a printed card containing your credit card number to the visible air, but terminals equipped to use chip cards are more secure than magstrip readers.

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