Apple Pay catches the attention of retail customers

Apple Pay catches the attention of retail customers
According to retailers, customers inside stores are using Apple Pay. This makes it the first mobile payment service to see widespread use. And while Apple never intended for its rivals to ride piggyback on Apple Pay's success, competitors like Softcard (formerly ISIS) and Google are noticing that their services are being used more frequently. Michael Abbott, chief executive of Softcard, said, "Apple Pay has been a huge tailwind." Abbott added, "It’s a rising tide that has lifted all boats."

There is some data that we can pass along. Take McDonald's for example. The fast-food pioneer has 14,000 locations in the U.S. that accept Apple Pay. Just three weeks after Apple Pay was available for use, it now makes up half of Mickey D's tap-to-pay transactions. Walgreen's says that the number of mobile payment transactions seen across its nationwide chain has doubled. And at Whole Foods, 150,000 Apple Pay transactions have been run through.

The downside to Apple Pay right now, is that only the Apple iPhone 6 and Apple iPhone 6 Plus are equipped with the NFC chip that is required for Apple Pay to work. Add the small number of retailers that are supporting the service for now, and you have a feature that will take years to catch on among iPhone users. And some iPhone users are just learning how the technology works. This was cited by Toys R Us for the reason that it has had relatively few customers use Apple Pay, even though the technology is supported in all 870 of the toy chain's stores.

source: NYTimes



1. HugoBarraCyanogenmod

Posts: 1412; Member since: Jul 06, 2014

Retail prefer Apple pay because Apple user are rich and able to buy every craps. Android user are mostly window dresser who refuse even to pay 99¢ for apps. That's why they don't pay attention about Google wallet

3. AlikMalix unregistered

Completely Disagree!!! Android users and apple users don't difer much. There's a slight difference statistically but the difference is so tiny that it pointless to argue.

8. HugoBarraCyanogenmod

Posts: 1412; Member since: Jul 06, 2014

You will see significant difference when you go Louis vuitton, Dior, Jimmy Choo and Prada. Tell me how many Forbes listed people using android?

14. RebelwithoutaClue unregistered

Lol how many rich people are there? And how many millions of iPhone users are there? If a lot of rich people use iPhones, doesnt mean the average iPhone user is a rich person. Most really rich people rather use their platinum cards to show off their wealth anyway. So no, an iPhone user isn't rich by default nor is the Android user mostly window dressing.

31. loaner

Posts: 3; Member since: Oct 25, 2014

Rebelwithouseaclue You are so wrong. (You have no clue) Yes their are more less wealthy people than there poor people with I-Phone. However the buying power of the smaller percentage of well to do and wealthy I-phone users are much higher. (for example : 47% of the employed population do no pay any income taxes. Because they do not make enough to do so). The top 10% of those that pay taxes pay 70% of all taxes. You probably do not know a lot of wealthy people. Because most wealthy people I know do not want people to know that the have money. So they do not go flaunting their buying power (especially old money. New money like the Kardashians are the type to flash their Platium cards as you say.). I know a lot of wealthy people that if they asked you for money you would give it to them because the clothes they wear is cheaper than yours. The I-Phone 6 & 6+ are the only phone that has the NFC chip. The average poor person is not upgrading every year or every other year to new I-Phones. it is always the people that are financially better off. Whole Foods for example is not being patronized by poor people because the items in Whole Foods are much more expensive than in Food For Less for example. Last article I read that 1% of all purchases in the last month at Whole Foods, were paid for with Apple pay. Apple pay will take off for two reasons.(1) It is the Safest type of payment available today and not subject to being hacked because access to your payment information is encrypted and not keot on a server anywhere. (2) Next year all Retailerswill have to upgrade their payment terminals to NFC or terminals that can take cards with the magnatic strips or they will be responsible for any POS fraud.

34. Philipand96

Posts: 103; Member since: Jul 12, 2014

In the UK we have had chip & pin terminal for years, I really can’t remember when I physically signed Apple pay WON'T take off due to the high cost of processing a sale due to value {in the UK there is a limit as to the MAXIMUM AMOUNT that can used contactlessly Apple will receive 15c per $100 that is processed via Apple pay the retailer will have NOW have to pay those credit card fees which were NOT payable via cash. This is just a money stream generator, Apple have ONLY "upgraded" one thing on the iPad mini 3, having Apple Pay which the iPad mini 2 did not. Apple have stated NFC profile will not be upgraded on any Apple device to included more feature e.g. file share US retailer will have to pick up the cost of fraud so will be more diligent no doubt Apple pay it is NO safer than any other electronic credit card transaction, to say that credit card information is being “hacked” is Promotional for apple pay (Fraud in the main are paper transactions) No sales assistant ever knows your card details or pin (unless you tell them... er don't) even if they attended to you. All UK card sales receipts only print the last 4 digits of the 16 digit card number Without my pin (3 guesses wrong) my card cannot be used in a shop or to order goods online. Apple pay ONLY restricts the card use to one person, (but if that card were stolen and used and JOHN DOE had written his pin on it, JOHN DOE would be liable for the fraudulent sales In order to use Apple pay you must have an iPhone charged, and a credit card linked to it. It is a joke that getting your phone out is so much faster than getting your credit card out! (My credit card being NFC enabled means I don’t have to buy an iPhone) Apple pay ONLY added biometric, data transmission of card details have always been encrypted (red herring) I presume these stores still issue a paper receipt, The resistance to Apple pay is due front end cost credit card companies charge. Your last paragraph would suggest rampant credit card fraud prior to Apple pay POS fraud is really down to sales person NOT following protocols (or being intimidated due to TIME and allowing suspect transactions to proceed but somebody using JOHN DOES card even if linked to Apple pay would be auth, unless so distant to JD house that the sale is flagged If you lose your credit card you are issued another with a NEW number

48. loaner

Posts: 3; Member since: Oct 25, 2014

Phillipand 96 The Retailers does not pay or have to pay Apple anything. The 15 cents you are talking about is paid by the credit card companies (AMEX, MASTERCARD & VISA) to Apple. All the Merchants have to do is upgrade their terminals to those that accept NFC technology. Many already have it, but are refusing to use Apple pay because they are forming their own payment system (CurrentC) to try and cut out paying the credit card companies. That system will not work because it is slow and collects lots of information from the consumers and is hooked up to consumers checking accounts. That payment system us not available until 2015. Currently is in BETA form and was recently hacked and e-mail info stolen.

62. RebelwithoutaClue unregistered

At least spell my nickname correctly. And wow did you think of that joke yourself? Good for you. I know plenty of really wealthy people and I can tell you, they do flaunt their wealth among themselves. The world is bigger than just America you know. I'm not talking about poor people owning an iPhone, I'm talking about average income people. It's not that the iPhone is very expensive, especially on contract. And perhaps a small percentage of the iPhone users have all the buying power. We're talking about retailers like Walgreen, McDonalds, Toys R us, etc. Hardly shops were only the rich people buy. 47% of the employed people don't pay income tax? What country do you live in? Cause in my country, everybody pays income tax and the very rich people hardly pay, since they have the knowledge and the means to have their money outside the regulations of their country. Again we're not talking about poor people, we are talking about people with average incomes who can afford an iPhone. Ofcourse Apple Pay will take off, even Google Wallet benefits from this. It's easy and safe. And no retailers are not obliged to upgrade their payment terminals. Same that a retailer doesnt need to support credit card for example.

42. DnB925Art

Posts: 1168; Member since: May 23, 2013

Platinum cards? Who uses those? Only the poor-wanna-be-rich cretins use those. It's all about Titanium/Black cards bro ;P hehehe

25. TerryTerius unregistered

I buy Giuseppe Zanotti, Ralph Lauren, Armani, Ermengildo Zegna, David X, Louis Vuitton, and a few other high end (and not so high end) brands, mostly because of my chosen profession; but I'm still an Android user (as a personal phone, iOS is business). If you're talking about percentages, then you're probably right. That being said, that gets into a helluva lot more reasons than simply a statement about how iOS functions vs Android. That has a hell of a lot to do with psychology, brand recognition, brand reputation, and factors far beyond the actual performance of any given Android device vs iOS. that starts to get into the emotional reasoning of a purchase. Though at the end of the day numbers are numbers, trying to extrapolate core reasons from that is a very difficult task.

32. willard12 unregistered

And apparently all these rich people are still eating at McDonald's.

37. mrblah

Posts: 577; Member since: Jan 22, 2013

It is yummy, what does money have to do with that?

11. androiphone20

Posts: 1654; Member since: Jul 10, 2013

I thought you'd cite your claim but I realised a simple Google search can take you there. So I did that for you :)

15. RebelwithoutaClue unregistered

Like any statistic, numbers don't mean squat. With 85% of the market and 60% or so being low end smartphones, only to replace older feature phones, changes are the owner is average Joe. Only dumb people would hold any value to a statistic like these.

17. RebelwithoutaClue unregistered

chances, not changes...

36. darkkjedii

Posts: 31629; Member since: Feb 05, 2011

Oohhhh, you made a owie lol.

63. RebelwithoutaClue unregistered

lol shame on me haha

33. androiphone20

Posts: 1654; Member since: Jul 10, 2013

Like every stat out there no one said it's totally accurate (funny you actually went after that to "defend" who knows what), but then again we have to have something, right? People who need this stats need to look for a place to start i.e. people like devs could use this information to go after their target demographic. Mind you these people are not "dumb" Also I wouldn't go out calling people dumb if I can't get my grammar correct if I were you (...stat like *this...FTFY ;] )

64. RebelwithoutaClue unregistered

Lol indeed, this instead of these. Thanks ;) English isn't my native language. I'm not calling anyone dumb who uses this statistic for example dev reasons. But some people use this statistic to prove themselves smart, which is dumb.

41. DnB925Art

Posts: 1168; Member since: May 23, 2013

Well said my friend. Plus with Apple Pay, it has helped Google Wallet as well.

7. der_damo

Posts: 213; Member since: Sep 16, 2014

that was the worst comment i've read the whole week. Burry your Nokia 3310 and get into the amazing world of smartphones.

21. sid07desai

Posts: 290; Member since: May 03, 2012

Apple pay is just a fancy way to pay more money than you actually owe just because it is "so much fun" to pay with your iphone.

58. AlikMalix unregistered

And your comment is "just a fency way to" say that you're butthurt by apple pay success. You should read up on who actually pays more, or in this case NOT pay more when it comes to using Apple Pay... Why is it with these trolls that make them believe that if it's Apple somehow it costs more, it's a "rip off", apple customers are "fooled", etc, etc, etc. SHUT UP ALREADY!!! My friends and I made more money from iPhones that we bought new, than used them for 2 years, and sold for more thant double the price, keep the money spend another $200 and buy a new phone, rinse and repeat.... Apple has provided all their apps for free, which mind you, are extremely powerful and a great alternative to the PAID MS Office apps, iMovie is extremely great - best video editor and it's FREE... and now you get 64GB for the price of what used to cost 32GB and massive built-in (read: 4-5 times faster than removable SD cards) 128GB for the price of 64GB... Even back when OG iPhone came out - apple licenced YouTube from Google (and Maps) to insure iPhone users do NOT have to see any ads using these services - no extra cost to consumer. THEN there's FREE and ON DEMAND face-to-face professional assistance in any Apple Store for LIFE whether you own an Apple Device or NOT!!! I can go on for a long while with these... point is, just because you dont understand Apple's vision for it's consumers and it self as a company, it doesnt mean that what you use is better because you got widgets and removable battery, or whatever...

46. pept68

Posts: 38; Member since: Apr 05, 2013

yes... so rich!! Every time i see a mcdonalds employee on a break on their iphone thats exactly what i think.. RICH

47. greathero1

Posts: 584; Member since: Jun 13, 2008

Rich? Far from it bro. Fact is, the iphone is no more expensive than any other flagship device here in the states. With a subsidy for contract buyers or monthly payment scheme from carriers, almost anybody who has cell phone service can get an iPhone if they choose to.

51. JunitoNH

Posts: 1946; Member since: Feb 15, 2012

So what, doesn't makes us bad people.

2. andro.

Posts: 1999; Member since: Sep 16, 2011

Its funny the words "apple" and "pay" always seem to be forever associated with each other. The mark of the beast with apple,its all about spending every penny you have on them or with them.

4. AlikMalix unregistered

What the hell are you rambling about?

6. Sauce2

Posts: 199; Member since: Oct 21, 2014

He's mad that within the first week there have been over a million activations and everyone in the US is using it. Fanboy is fanboy.

23. TerryTerius unregistered

I wasn't aware that everyone in the United States suddenly became an iOS user and that Apple's market share increased dramatically, that is certainly news to me. And to Apple for that matter of fact.

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