Major retailers start blocking Apple Pay and Google Wallet

Major retailers start blocking Apple Pay and Google Wallet
Apple has been quite vocal about all of the retail "partners" that it has on board for Apple Pay (most of which have been accepting Google Wallet for a while now), but it looks like the pushback from retailers is already coming to fragment the NFC payment market. A number of major retailers have started blocking Apple Pay and Google Wallet payments in favor of another proprietary payment option on the way.

The competing payment platform is CurrentC, which has the backing of Merchant Customer Exchange (MCX), but not one single bank yet. MCX is a partnership created back in 2012 with major retailers like Walmart, Target, CVS, Best Buy, Dunkin Donuts, Gap, 7-Eleven, Sears, and many more. Despite the fact that CurrentC isn't on the market, has no banks on board, and won't be available until next year sometime, the MCX partners have started blocking Apple Pay, Google Wallet, SoftCard, and other mobile payment systems. 

So, it looks like there will essentially be two different types of stores once next year rolls around - those in MCX who support CurrentC, and everyone else. In the worst case scenario, MCX will gain more retail backers, or other major retailers will break off to create even more locked-down systems. But, we're hoping that the more open standard wins out, and the choice of mobile payment platform is left up to the consumer. 

source: iMore via The Verge

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90 Comments

1. DeusExCellula

Posts: 1390; Member since: Oct 05, 2014

This consumer chooses NO mobile banking and will opt to spend 5-8 seconds more pulling his credit card out of his wallet instead of using a possibly unsecure and most likely hackable smartphone app. Thanks but no thanks

2. jasaero

Posts: 46; Member since: Oct 20, 2014

And your retailers will be hacked and you will need a new card number once or twice a year. The mobile schemes with virtual card numbers are more secure in many respects with virtual card numbers and single point you have to monitor for stolen cc info in the peeps offering the app. With old cc's your card number could be compromised from using who knows where and you would never know. I am all for some app that virtualizes my number so it's not getting shared everywhere and biometric security with fingerprint scanners and such is an option.

3. DeusExCellula

Posts: 1390; Member since: Oct 05, 2014

I guess I just wont buy anything then -_-

26. sgtdisturbed47

Posts: 960; Member since: Feb 02, 2012

Pay cash, problem solved.

79. Knicknevin

Posts: 153; Member since: Mar 18, 2011

In the light of all the recent system intrustions, I plan to move to the Wilderness of the Yukon Territory, live off the land, and never rely on "The Man" to safeguard my data, and then I won't have to use any sort of currency ;)

12. dimas

Posts: 3296; Member since: Jul 22, 2014

You are aware that mobile phone malware used by hackers is more prolific nowadays yes? If you put all your sensitive datas on one device, you're just going to make it easy for hackers and thieves to get all they need to know from you. After post iCloud, Dropbox, and Snapchat problems, no bank and retailers will trust private cloud storage services on their finances. And in case you're still living under the rock, magnetic strip cards are becoming obsolete and being replaced with chips that change bank algorithm codes after every use.

33. Napalm_3nema

Posts: 2236; Member since: Jun 14, 2013

Yeah? Good luck with that. It is easier to hack POS systems than Android and Apple smartphones due to encryption. The retailers are doing this for one reason, and only one: customer data. This isn't safer, it sure isn't faster, and it is a step backward in technology.

50. vincelongman

Posts: 5628; Member since: Feb 10, 2013

Also Apple and Google use tokenization So even if people intercept the tokens, they are supposedly unless As well as NFC being far more convenient than QR code

37. emoemeka

Posts: 20; Member since: Oct 09, 2014

@Dimas - The major credit card companies apparently have enough trust to sign-up on Apple pay? The bottom line is that POS fraud is more prevalent and retailers are the weakest link in the security chain. Apple has had close to a million credit card numbers on it's server for years now with no issue. In contrast almost all major retailers have been hacked.

42. loaner

Posts: 3; Member since: Oct 25, 2014

I suggest a boycott of these stores. Stores like CVS and Rite Aid, I would use a different stratergy. Since CVS and Rite aid already have the NFC system and were accepting Apple Pay up to a few days ago. I would have everyone go into those stores. load their cart or basket. Go to the register and have it rung up. Try to pay with apple pay. If refused. Simply leave the store. If enough people did this. It is going to cost them. They have to pay someone to restoc the shelves. Besides the money they would lose by the loss of the sale. Extrapulate that into millions. (9) Apple Pay is a more secure way of paying, than anything elseavailable. Since the store's aim is to cut the banks out by not having to pay them fees. i suggest we all if we have to buy something from those stores to pay with a credit card so they are forced to pay thosde fees anyway. What these merchants want is to have access to your personal info (Which they will not with apple pay) that way they can sell the info and bombard you with ads through e-mail and regular mail and any other means they can. Let us show that the the comsumer is the one with the CLOUT

71. Ashoaib

Posts: 3269; Member since: Nov 15, 2013

just pay cash guys instead of being a slave of apple pay, orange pay, banana pay or whatever... I have credit cards but I am not using from many years and you cannot imagine the peace of mind, no annoying reminders from the bank, no annoying phone calls from the bank etc

81. Philipand96

Posts: 103; Member since: Jul 12, 2014

You are quite naïve as this is NOTHING to do with Apple, it is the HIGH COST the banks will charge the shops for a relatively low value amount sale, some UK shops will ONLY accept credit card purchases above a certain minimum which is reasonable that a person has some cash. re protets these are business and will have put up notices to state APPLE PAY (NO WAY OK !) If there are in any way polite. Do you really need and is it faster to get your phone out? In the UK we have had chip & pin for years now and is secure. TOUCH ID uses biometric and runs in parallel to chip & pin (my card is secure as I have NOT disclosed my pin, those that disclose are liable for the transaction biometric narrows it down to one person using Apple pay, but the physical card is NOT secure by biometric RE APPLE PAY Apple is investing NOTHING into this. Apple are not installing one piece of hardware in the Apple pay venture Apple are only in it for the money as APPLE will receive 15c per $100 (from the card attached to Apple pay) spent but these fast food will still have pay the banks the standard high cost transaction fee, ( Sales would remain the same but costs go up due to Apple Pay) NOTE NIL FEE is payable by these shop for cash Apple did not even disguise the fact it is a money stream pure and simple, Apple ONLY incorporated the NFC profile that supports Apple Pay and DISABLED all the other NFC profiles from the iPhone6... I guess sharing is not for everybody Apple pay requires a credit card to work. Credit cards do NOT need Apple or I'm guessing here a need to be recharged each night NOTE, the iPhone 6 is this phone but with a larger display and adds Apple Pay did you not see that ?http://www.phonearena.com/phones/compare/Apple-iPhone-5,Apple-iPhone-6/phones/7378%2C8346 This is the APP you need most, COMPARISON 2 years on innovation and...

86. The-Sailor-Man

Posts: 1095; Member since: Mar 25, 2014

YUP iZOMBIES!!!!!!! Just boycott the shops, or throw stones on the windows, or burn them - in the name of your Religion APPLE. Then you might have some success. And Apple could get some profit again. We are watching you:)

91. regbs

Posts: 8; Member since: Dec 29, 2011

New card numbers once or twice a year? That is less than 1% of the trillions of credit card swipe transactions that occur every year. You're more likely to be in a car wreck than to have your card # hacked from a conventional payment processor. Are you dishonest, an idiot, or both? All-flash-no-substance trolls like you make dialogue a chore. The percentage of breaches of the nascent mobile payments industry is exponentially higher than against operators using conventional card swipes. Breeches are so rare that they make worldwide news.

4. Sauce2

Posts: 199; Member since: Oct 21, 2014

You REALLY think your CARD is SAFER than our phones? LMAO. Forget the phones for a second. You really think your card is untouchable, unhackable, can't be subject to fraud, etc? Someone splash some water on this kid. Wake him up from this dream he's in lol.

17. dimas

Posts: 3296; Member since: Jul 22, 2014

"You really think your card is untouchable, unhackable, can't be subject to fraud, etc? " You can also say these things with mobile phones. Untouchable? Thieves and security breaking professionals. Unhackable? Phone malware everywhere. Google always asking for your data, even updating and downloading apps require you to share sensitive information to them. Can't be subject to fraud? Again, phone malware. Since when did you start using android and apple powered phones? Yesterday?

28. ManusImperceptus

Posts: 724; Member since: Jun 10, 2014

The bank covers it if your card is misused; how about mobile payment? And what's with the exclusivity? Is it some US thing? The largest bank here in Denmark has released an app for mobile payment that's open for users of all banks. Most of the remaining banks have released an app that's usable for their customers only. Guess what - it's up to the stores whether they'll accept either, and both are gaining ground. The consumers win. Since the mid 80's, we've had a national "credit card" which is incorporated into most cards today; they are used for pretty much any transaction, from buying a tv to buying a cup of coffee. So that's what mobile payment is up against here, just to give you some perspective...

30. emoemeka

Posts: 20; Member since: Oct 09, 2014

The 3 major credit card companies are on board with Apple Pay so fraud will be cover. Using an app makes it less convenient since you'd have to unlock your phone, then bring up the app before paying.

39. ScratchForFun

Posts: 1; Member since: Oct 25, 2014

That's why you use android and Google Wallet. If you have your smart watch on you, then you won't have to unlock your phone. To open the app, just say 'Ok Google', this is something you can do one-handed while walking towards the checkout. Or you could open your real wallet, draw your card and type the code. Which is faster?

48. emoemeka

Posts: 20; Member since: Oct 09, 2014

So you're suggesting buying a watch and then having to speak to the device as a simpler solution than Apple Pay which does not require anything other than placing your thumb on the fingerprint scanner? Let me see: Option 1: bring out my phone, place it next to the reader, place my thumb on the finger print scanner, and voila: Option 2: Spend money on a new smart watch, tell the watch to open up Google wallet while walking to the register, place the phone next to the reader and then enter a PIN I'll stick with Apple Pay, thank you

45. ManusImperceptus

Posts: 724; Member since: Jun 10, 2014

Not covered in my country...

92. regbs

Posts: 8; Member since: Dec 29, 2011

Everyone's in awe of Apple's unbreachable security. Or are they in awe of the hot T&A displayed in dumb bimbos' Apple posts that got hacked? A sure sign of an idiot is seeing "lol" in its post.

7. eN16HTMAR3

Posts: 253; Member since: Oct 08, 2013

Plus 1,000

55. corporateJP

Posts: 2458; Member since: Nov 28, 2009

As much as I love tech myself, I tend to agree that I just want cash or a card with a chip.

62. quakan

Posts: 1418; Member since: Mar 02, 2011

Heard of credit card skimming?

93. regbs

Posts: 8; Member since: Dec 29, 2011

I've also heard of getting struck by lightning while playing golf. Your chances of getting your striped credit card skimmed is just as likely. Getting your naked pics hacked on Apple is much more likely.

70. moroninc

Posts: 193; Member since: Jul 14, 2012

*INSECURE

5. KillgoreTroutTime

Posts: 433; Member since: Jan 06, 2014

Correct me if I am wrong, but wouldn't Android users be able to use MCX and Apples users be locked into just being able to use Apple pay?

8. palmguy

Posts: 965; Member since: Mar 22, 2011

Mmm good question. Judges?

82. Puddss

Posts: 3; Member since: Oct 26, 2014

Yes you can use Google Wallet because Google Wallet also comes with an actual card which is like a PayPal card its not connected to your bank account unless you want it to be. You have to option.

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