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Apple Pay, which was unveiled to the world at the launch of the iPhone 6 and 6 Plus, has officially launched in the U.S. today alongside iOS 8.1. Experiences with the service on its first day have been mixed, and notably, Eddy Cue this morning to acknowledged that in saying that Apple still has “a lot of work to do.” Some banks are requiring verification processes which are taking time, and some widespread credit card companies, like Discover, aren’t yet supported at all. But some experiences with Apple Pay have been seamless and it seems that, so far, the service is working as expected despite its slow roll-out.
Customers can use Apple pay at a wide variety of launch partners, including Aeropostale, BJ’s Wholesale Club, Foot Locker, Office Depot, Urban Outfitters, Apple’s own retail stores and many others. If you want to get your device set up to use the service, be sure to check out our guide to getting started with Apple Pay, and be sure to let us know what your experience has been so far. As for the rest of the internet, with the exception of some locations having employees who are simply uneducated about the service, it appears as if public opinion is fairly positive.
Piper Jaffray Apple analyst Gene Munster tested it out at a few locations and had this to say:
We tested Apple Pay at McDonald’s, Whole Foods, and Walgreens and were able to successfully compete our transaction at each location. We note that the McDonald’s and Whole Foods employees were aware of Apple Pay, but the Walgreens employee that helped us was not. We believe that stores depending on employee education at the local level might have varied experience across stores, but we expect participating store employees to all be up to speed after having Apple Pay for a month or two.
Walgreens uploaded a video showing off a demo of the service in one of its stores:
One experience at McDonalds got caught on video:
Another McDonalds experience was documented, in which one customer had an awkward encounter at the drive through:
Gizmodo gave the service what they called a “slightly rocky spin”:
Deciding to try our luck at Subway, we were met with a few “ums” and some confused looks when we asked about contactless payment. The store had just received the hardware that day, it seemed, and they were still getting the hang of things. After some discussion and deep study of the machine’s new instructions, the farthest we were able to get was bringing up a screen with a QR code—which is to say, not very far at all.
TechCrunch seems to have had a pretty good experience at Walgreens:
Holding my thumb to Touch ID and my phone to the payment terminal, it took about a second and a half to register at Walgreens and the same amount of time at McDonald’s. Don’t expect it to change the entire experience however: you still have to sign for the amount shown at the drug store and get a receipt to show to the cashier when picking up your order at a fast good joint.
Harry McCracken of Fast Company is going to try to use the service as his sole payment method for a week:
So in theory, I should be able to do this without major headaches or adjustments to my daily habits. We’ll see. I do reserve the right to let my wife pay for things if she happens to be around. And if the whole experiment is a fiasco, I will sheepishly terminate it before its scheduled conclusion next Sunday.
Reactions from Twitter users have been generally positive, but as I’ve experienced myself, Wells Fargo verification seems to be delayed:
Okay, just used #ApplePay. Simple. Tapped my #iPhone6Plus on the reader, scanned my thumb, done. Got an alert on my phone about my purchase.
— brettlarson (@brettlarson) October 20, 2014
so I can’t verify my @WellsFargo cards with #applepay through the verify app. So Frustrating!
— Will Lassalle (@wlassalle) October 20, 2014
So Panera manager “informs” me #ApplePay won’t work for another 2 weeks. I said fine and still paid with it. Faster than what they demo’ed.
— Super Tino (@supertino) October 20, 2014
Just used Apple Pay! It’s so cool, and easy to use! #ApplePay #Apple
— Wayne Gross Jr. (@campingsk8er) October 20, 2014
The service is already inspiring some Vines, too:
Here’s the Verge’s initial run thru
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You're reading Apple Pay Day: Experiences With Apple’s New Payment Service Mostly Positive
Contactless payment apps offer a safe, convenient way to pay by smartphone. For non-iPhone users, there are two major players in this space—Samsung Pay and Google Pay.
In this article, we’ll list the features of and differences between Samsung Pay and Google Pay and describe which mobile payment app is most worth using.
Table of ContentsWhat Is Google Pay?
Google Pay, formerly known as Android Pay, is a mobile payment app that you can use to make purchases, as well as send and receive money. To use it, all you have to do is unlock the phone and tap it against the contactless payment terminal.
Here are the features of Google Pay:
Wide availability. Google Pay is available in 42 countries which is second only to Apple Pay.
Peer-to-peer payments. Easily send and receive money from your friends and family with Google Pay Send. All you need is an email address. However, P2P does come with added fees, and the service is currently only available in the US.
Wide support for credit and debit cards. Google Pay supports most major credit cards and payment services, including American Express, Discover, MasterCard, Visa, and AMEX. It also supports most major banks – check the list on Google’s support page. Google Pay also makes it possible to pay via PayPal.
Google Wallet stores your passes and cards. Google Pay allows you to store loyalty, membership, and gift cards, as well as travel passes, tickets, and account cards in one place.
Support for Wear OS smartwatches. You can install and use the Google Pay app via your Wear OS smartwatch. It just needs NFC (Near Field Communication) capabilities.
Google Pay offers. You can opt-in to Google Pay rewards and receive exclusive offers, collectibles, promo codes, etc.
Added security. Google Pay uses industry-standard tokenization and NFC technology to send encrypted data to merchants, making it more secure than traditional credit cards. The app also allows fingerprint scanning or facial recognition access, and there are limits to the amount that can be purchased or sent via the app.Where Google Pay Falls Short
Google Pay is packed with features, and for most users, it is a perfectly suitable app. However, it has a few shortcomings, including:
Limited features outside of the US. P2P support is only available for users within the US, which is bad news for international users.
Cluttered UI. The revamped Google Pay app has received substantial criticism for its confusing layout. Making payments is easy enough, but sorting through the cards in your digital wallet can be difficult.
Google Pay is not always accepted. Though most stores now support Google Pay purchases, some do not. You still need to carry around a secondary payment method, which for some people, removes the entire point of having a contactless payment app in the first place.What Is Samsung Pay?
Samsung Pay is a convenient one-tap contactless payment and digital wallet app available to Samsung phone owners. A simple swipe up from the lock screen opens your payment options, allowing you to pay instantly.
Recently, Samsung Pay has overtaken Google pay as the second-largest mobile payment app (behind Apple Pay, the most popular app).
Features of Samsung Pay:
Availability in 29 countries. While this is fewer countries than Google Pay supports, the list is constantly growing.
Support for most major credit and debit cards. Samsung Pay supports most major payment platforms, including all major credit card companies. The full list is on their support website. Samsung Pay also offers support for PayPal payments.
Samsung Rewards. With Samsung Rewards, you can earn points for each purchase you make while using the app. These points can be redeemed to make purchases using the Samsung app (or on the Samsung website).
Mobile wallet for cards and passes. Store and use gift cards, membership cards, and loyalty cards with the app by scanning the card’s barcode. Samsung Pay also allows you to create a digital wallet, including creating a verified Vaccine Pass from your vaccination documents.
Compatible with Samsung smartwatches. Some Samsung Galaxy wearables support Samsung Pay, including the Gear S3, Galaxy Watch3, and Galaxy Watch Active2.
Supports both NFC and MST (Magnetic Secure Transmission). MST technology allows your Android phone to communicate with older magnetic stripe card readers that require you to swipe a card. However, support for MST is being removed as of the Galaxy S21.
Added security. Your Samsung Pay details are protected by Samsung Knox and tokenization. Like Google Pay, your card information isn’t sent to merchants. Further, Samsung Pay allows you to use Find My Mobile to remotely lock your account or remove the app from your mobile phone. The app also supports fingerprint and facial recognition authentication.Where Samsung Pay Needs Improvement
While Samsung Pay meets the major requirements of a contactless tap-as-you-go payment app, it has three significant drawbacks in functionality.
Limited compatible smartphones. Samsung Pay is only available on Samsung smartphones and does not work on other Android models. If you decide to buy a non-Samsung device, you’ll have to set up Google Pay (or another alternative) as Samsung Pay won’t be available. Despite this limitation, Samsung Pay has more active users than Google Pay.Samsung Pay vs. Google Pay: Which is Better?
Samsung Pay and Google Pay are similar in terms of the service they provide and payment methods they support (including online payments). Still, Google Pay supports more devices and is available in more countries.
The main reason to choose Samsung Pay is if your area still mainly uses MST terminals. In that case, you won’t run into the issue of being unable to pay with Google Pay. However, with NFC technology becoming more popular (and Samsung withdrawing support for this), it isn’t a deciding factor.
Google Pay offers peer-to-peer payments in the US, which can be helpful in many situations and helps to cut down on the number of apps you need. This is possible with Samsung, but you need to sign-up for Samsung Pay Cash as well.
Another major reason to choose either app is the other accessories you own. For example, if you have a Samsung smartwatch, you’re better off going with Samsung Pay.Which Should You Choose?
Both Google Pay and Samsung Pay are great choices if you want to move into the world of all-in-one contactless payment and card wallet apps.
Since the two apps are so similar, we recommend installing both (they’re both free to set up) and trying them out. This way, you’ll get a feel for each, and you can decide on the app which fits your preferences.
Android devices have the Google Pay service to facilitate paying with your phone, whereas iPhone has Apple Pay. On Samsung Galaxy phones, you get Samsung Pay too. What is Samsung Pay and how to use it to pay from your phone? Find the answer in this post.
Good to know: not sure whether Samsung Galaxy phones actually run Android? The answer is yes, but here are the differences.What Is Samsung Pay
Samsung Pay is a contactless mobile payment system built right on your Samsung Galaxy phone or smartwatch. With Samsung Pay, you can pay at retail stores around the world with your Samsung phone using the credit or debit card details stored on it.
Samsung Pay is like a digital wallet where your phone acts as your card that you need to hold against the card machine to make payment at any merchant store. On top of credit and debit cards, Samsung Pay also lets you save gift, and membership cards on your phone. Earlier Samsung Pay was a separate app but now Samsung Pay and Pass services have been merged into the Samsung Wallet app.
To use Samsung Pay, you must save the card details in the Samsung Wallet app on your phone. You can then make payments without worrying about carrying the actual card with you.
Typically, with physical cards, you need to take the card out of the wallet, swipe it up on the machine, enter the card PIN, and then put it back in your wallet. Samsung Pay simplifies the entire process. Once Samsung Pay has been set up on your phone, all you need to do is hold the phone on top of the Point of Sale (POS) terminal or card machine and authenticate the card using a fingerprint sensor or Iris scanner of your phone.
Tip: learn all about the difference between Samsung Pay, Google Pay, and Apple Pay.How Samsung Pay Works
Samsung Pay uses Near Field Communication (NFC) technology of your phone to make payments at machines that support wireless technology. Your card details are transferred to an NFC-enabled payment terminal by placing your phone near to the machine.
However, in some regions like India, many merchants still have the traditional payment machines where you need to swipe the card in the machine. Samsung Pay works with those machines as well on some Samsung Galaxy phones.
Generally, Samsung Pay works at all places where you can swipe or tap a physical card.
Tip: check out other ways to use NFC on your phone.What You Need to Use Samsung Pay
First of all, you will need a Samsung Galaxy phone that supports Samsung Pay. Essentially, all Samsung flagships and some mid-range models support Samsung Pay. You will also have to know the details of your credit, debit, gift, or membership card. Finally, you must have a card from a compatible bank. Check with your financial institution to see if they offer this option.
Image source: Pexels
The bottom line is that you don’t need to purchase anything to use Samsung Pay. You don’t even need to visit the bank. All the technology is present natively on your phone. You just need to register the cards once on your phone and you are good to go.
In a nutshell, to use Samsung Pay, you will need to:
Set up Samsung Pay on your Samsung phone.
Add your payment cards to Samsung Pay.
When you are ready to make a payment, open Samsung Wallet and select the card you wish to use.
Hold your Samsung phone near the contactless reader until you see a payment confirmation message.How to Add Cards in Samsung Pay
Follow these steps to register a card in Samsung Pay on Samsung Wallet:
Open the Samsung Wallet app on your Samsung Galaxy phone. If you don’t see it, look for the Samsung Pay app. If either app isn’t available on your phone, update your phone’s software to the latest version.
You will be asked to sign in to your Samsung account in case you haven’t already done so. Enter your login details.
Note: Samsung doesn’t allow taking screenshots in the Samsung Wallet app.
Grant the necessary permission to the Samsung Wallet app and tap on the “Continue” button.
You will be asked to set up a verification method to use the Samsung Pay service. Select “Fingerprint” or “Wallet PIN.” If you select fingerprint, you will still need to set up a PIN.
Once the verification method is set up, you will be taken to the app’s home screen. Tap on the “Menu” tab at the bottom and select “Credit/debit cards.”
Tap on the “Add” (+) icon at the top.
The app will open the camera and ask you to point it toward your card. Your phone will proceed to scan the card details. Alternatively, tap on the “Add card” manually button to manually enter all the card details or press the “Add using NFC” button to automatically get card details by just touching the NFC-based card to the back of your phone.
Once the app detects the card details, you will be asked to enter the CVV code (3 or 4 digits) and cardholder name. Press the “Next” button.
The app will start validating your card and you will be asked to agree to the Terms and Conditions. Tap on “Agree.”
Finally, you will be asked to verify your card. For that, you can either choose to receive an SMS or call on the registered mobile number of your bank account. Enter the code to verify the card.
That’s it. The card will be successfully registered on your Samsung Galaxy phone. Similarly, you can add more cards to the Samsung Pay service.
Tip: make your home screen on your Samsung Galaxy phone stand out with these tips.How to Use Samsung Pay to Make Payments
After you have registered at least one card in the Samsung Wallet app, you can use the Samsung Pay service to make payments at any retail store using your phone by following these steps:
Open the Samsung Wallet app on your phone. You can access it quickly by swiping up from the bottom of the screen.
Your default card will show up. In case you have multiple cards, swipe right or left to get to the preferred card.
Ask the cashier to enter the payment details on the machine.
Scan your fingerprint using the fingerprint sensor or enter the Wallet PIN on your phone.
Your phone will start looking for terminal or card machines. Touch the back of your phone to the machine to authorize the payment. You have 50 seconds to do so.
If you have the necessary funds in your account, your transaction will be successful and you will be notified about process being finalized.
Moreover, every transaction detail will be saved in the Samsung Wallet app which you can check as shown below.
Tip: learn what to do if you experience credit card fraud.How to Check Previous Samsung Pay Transactions
To see your Samsung Pay transaction history in the Samsung Wallet app, follow these steps:
Open the Samsung Wallet app on your Samsung Galaxy phone.
Tap on the Menu tab at the bottom and go to “Credit/debit card.”
Tap on the card whose transaction history you want to check.
You will see the past transaction details under the “Recent transactions” section.How to Delete a Card from Samsung Pay
To remove a saved card from Samsung Wallet, follow these steps:
Launch the Samsung Wallet app on your phone.
Tap on “Menu” tab followed by “Credit/debit cards.”
Tap on the card that you want to delete.
Press the three-dot icon at the top and select “Delete card” from the menu.
Tip: want to be less dependent on physical credit cards? Check out the best virtual credit card services.Frequently Asked Questions What happens if you lose your Samsung Galaxy phone?
If you lose your phone where you have registered Samsung Pay service, your card details will remain safe and secure as the thief will need your fingerprint or Wallet PIN to authorize the payments. Moreover, if you lock your phone by using the Find My service, Samsung Wallet will be locked too.How many cards can be registered in Samsung Pay?
You can add up to 10 payment cards in Samsung Pay.What’s the difference between Samsung Pay and Samsung Wallet?
Earlier, Samsung had two different services to store important information. Samsung Pay is for credit, debit, and gift cards whereas Samsung Pass is for passwords, addresses, and similar information. Samsung Wallet replaces both these apps and combines the features offered by them in a single app. So you can now access Samsung Pay services and Samsung Pass service right from Samsung Wallet.
All screenshots by Mehvish Mushtaq
Mehvish is a tech lover from Kashmir. With a degree in computer engineering, she’s always been happy to help anyone who finds technology challenging. She’s been writing about technology for over six years, and her favorite topics include how-to guides, explainers, tips and tricks for Android, iOS/iPadOS, Windows, social media, and web apps.
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American Express credit cards have supported Apple Pay since the iOS device-based mobile payment service launched nearly a year ago, and today AmEx announced that it has turned on support for corporate cards in the United States. Previously, American Express cards in the US were limited to consumer cards and OPEN Small Business cards. Apple CEO Tim Cook first shared that the expansion was coming during last month’s quarterly conference call with analysts. In addition to being among the initial debit and credit card issuers for Apple Pay’s launch in the US last fall, American Express was present last month for Apple’s mobile payment service international debut in the UK as well.
With American Express corporate cards now supported by Apple Pay in the US, Discover credit cards are among the last major cards absent with support coming later this fall. Apple is also adding support for store reward cards with iOS 9 this fall.
Apple has continued to add support for additional banks and credit unions across the US as well with more than 40 new institutions added at the beginning of the month and the total now exceeding 400.
Apple Pay is available for use in stores with the iPhone 6/Plus and Apple Watch, in stores and apps with the iPhone 6/Plus, and in apps with the iPad Air 2 and iPad mini 3.American Express Adds Apple Pay for U.S. Corporate Cards
American Express (NYSE: AXP) today announced that it is the first major Corporate Card portfolio activated for Apple Pay™, allowing Card Members to pay on the go with compatible Apple devices. The mobile payment option is available today for eligible U.S. Corporate Cards¹.
“Businesses today are going digital, and American Express is at the forefront of digital innovation, helping companies to streamline their payments systems and simplify their processes,” said Greg Keeley, Executive Vice President, Global Corporate Payments, American Express. “We continue to invest and expand digital offerings for our corporate customers in ways that maximize security and enhance the user experience.”
Apple Pay allows American Express® Card Members to add their eligible Corporate Card¹ and pay with their mobile devices at contactless merchants in stores, or within participating apps that accept American Express. American Express added Apple Pay for Consumer Cards and OPEN Small Business Cards in late 2014.
Security and privacy is at the core of American Express and Apple Pay. When you add a Card to Apple Pay, the actual Card numbers are not stored on the device, nor on Apple servers.
Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code.
(1) An “eligible American Express Corporate Card” means the following American Express Corporate Cards issued by American Express Travel Related Services Company, Inc. to you as an employee of a commercial card customer working in the United States: American Express® Corporate Green Card; American Express® Corporate Gold Card; American Express® Corporate Platinum Card; American Express® Corporate Centurion Card; American Express®/Business Extra® Corporate Card; and American Express® Corporate Defined Expense Program Corporate Card. Prepaid Cards and other products are not eligible.
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One of the new features that were being developed, the introduction of paid publications on Telegram, was abandoned due to the “restrictive ecosystem of Apple” in Durov’s words. The Telegram CEO, however, pledges to continue fighting for his cause.
“Some content creators started using third party payment bots to sell access to individual posts in their Telegram channels. This way, content creators could receive close to 100% of whatever their subscribers paid, which was great” said Durov.Telegram looks for new ways to get around Apple’s limitations
First of all, Telegram was getting ready to launch a new monetization system on its platform, according to software analyst @MattNavarra. More specifically, the publications for which we would need to make a payment in order to view them.
This would be one of the means employed by those in charge of Telegram. To find additional revenue streams for its users, particularly the professional public. It would also serve as an additional source of income for the business itself.Gizchina News of the week Telegram’s paid posts are the latest “victim” of the Apple fee
It is significant to note that this week the Android and iOS app users were introduced to this new feature. We are talking about the launch of paid publications. However, the iOS application on iPhone quickly removed this option, depriving users of this system.
We should note that this function has not been available formally for Telegram’s stable version. However, users of the Beta version (trial version) for both mobile OSs already had access to it.
According to Telegram, this innovation would include a brand new way for users to receive payment. And in reality, we would only be able to view specific messages and contents after paying for them.
“This is just another example of how a trillion dollar monopoly abuses its market dominance at the expense of millions of users who are trying to monetize their own content. I hope that the regulators in the EU, India, and elsewhere start taking action before Apple destroys more dreams and crushes more entrepreneurs with a tax that is higher than any government levied VAT. In the meantime, we at Telegram shall work to offer creators powerful and easy to use tools to monetize their content. Outside of Apple’s restrictive ecosystem.” said Durov.Apple vs Pavel Durov
This function wouldn’t prevent current users from using the platform’s other features. In other words, it wouldn’t interfere with the app’s current functionality. Rather, it would be an addition. In other words, a premium subscription already includes this feature. But it was still possible to pay a fee to view a specific message without being part of the paid plan.
This function, though, violated Apple’s rules because it represented a brand new payment system. In fact, the Cupertino tech firm promptly informed Telegram of this limit. And requested that it adhere to the payment of the 30% tax.
Due to this restriction, the Telegram CEO said that the measure was losing its financial viability. And that iOS users were rapidly losing access to it. He did, however, promise to look into alternatives to Apple’s abusive policy.
Apple Pay has officially expanded to Ireland today for customers of KBC and Ulster Bank, two of the country’s big four banking institutions. The service also works with EU’s Boon prepay system tied to MasterCard. Irish customers who register their Visa or MasterCard credit or debit cards via the Wallet app can start using the service to pay securely for goods in “tens of thousands” of stores, including Aldi, Boots, Burger King, Harvey Norman and Lidl.
Apple Pay is also supported in compatible apps and on some websites. The Cupertino company has added related Apple Pay details to its regional website in Italy, signaling an imminent launch in the 60 million people market. Also, major banks have recently gained regulatory approval to launch Apple’s payments service in Taiwan.
“We ultimately want to bring Apple Pay to as many users in Ireland as possible,” Jennifer Bailey, Apple’s chief of Apple Pay, told The Independent. “But even if your primary bank isn’t involved today with Apple Pay, you can still use Apple Pay with Boon prepay.”
Boon prepay is a European service designed to permit customers to conduct transactions at point of sale terminals that accept MasterCard contactless payments.
Irish customers should check out the localized Apple Pay mini-site for further information, including the list of eighteen retailers and ten featured apps that accept Apple Pay at launch.
According to a report in Focus Taiwan, seven major banks in Taiwan have recently obtained permission from the country’s Financial Supervisory Commission to offer Apple Pay when the service rolls out there.
TUTORIAL: How to use Apple Pay
As of January, the seven banks—Taipei Fubon Commercial Bank, Cathay United Bank, E. Sun Commercial Bank, Taishin International Bank, CTBC Bank, First Commercial Bank and Union Bank of Taiwan—had issued 25.4 million credit cards, or 62 percent of the Taiwan’s total.
Apple’s Taiwanese website has listed Apple Pay as “coming soon” since February.
Beyond Taiwan, the mobile payments service is expected to launch in Germany and Italy in the near future as the iPhone maker recently added complete translations of Apple Pay support documents to its German and Italian websites.
Apple Pay in Italy will support Boon, UniCredit and Carrefour Banca at launch.
Apple Pay is available on iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone 7 and on iPhone 7 Plus. The service can be used with iPhone 5 or later when paired with your Apple Watch. Making payments in apps and on the web is supported with Apple Pay across compatible iPhone, iPad and MacBook devices.
TUTORIAL: How to remove credit cards from Apple Pay
Apple’s support document for U.S. users was updated today with a list of more than two dozen additional banks and credit unions that now accept payments via Apple Pay:
Bank of Washington
Elkhorn Valley Bank & Trust
First Community Credit Union(MO)
First National Bank of Elkhart
IU Credit Union
OAS Staff Federal CreditUnion
Ohio University Credit Union
Plus4 Credit Union
The Conway National Bank
The Farmers & MerchantsState Bank
Town & Country Bank andTrust Co.
And in Japan, the service now supports the following banks and card issuers:
Cedyna Financial Corporation
YJ Card Corporation
Apple Pay is now available in fourteen countries following the addition of Spain last December and New Zealand and Japan in October of last year. The iOS Feature Availability webpage provides an up-to-date list of Apple Pay markets.
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