[colug-432] OT: in pursuit of more secure POS transactions

[davelist at mac.com]

> On Sep 11, 2015, at 2:02 PM, Rick Hornsby <richardjhornsby at gmail.com> wrote:
> 
> 
> Being a more tech-savvy crowd, I’m curious about COLUG folks’ experience with mobile device payments - ApplePay or the Android equivalent.  I’m an iPhone person myself.  Despite the multitude of stories about how this-or-that is now accepting mobile payments, so far, I’ve only found a single vendor that accepts ApplePay (Subway - the sandwich shop).
> 
> Along similar lines, my CC company sent me a new card a few months ago with the “chip”.  Again though - only one place (Target) accepts the chip. Everyone else, including places with chip readers, still require me to swipe the card.  They usually say something like “Oh that doesn’t work”.
> 
> Has anyone else encountered these kinds of limitations?  (or not encountered them) Any ideas why?  Perhaps I just stopped trying ApplePay after the first few weeks of having the phone and no one accepting it, and haven’t noticed?


Regarding Apple Pay, the places you can use it are fairly limited at this point. Meijer is the main place I use it and I've used it the one time I've been in Panera and Macys since last year. It's worked at some Subway shops and not others for me. Here's Apple's list of places you can use it.

http://www.apple.com/apple-pay/where-to-use-apple-pay/

I've got two cards with the chips (replaced this summer). I think in Europe you typically use these along with a 4 digit PIN you enter. Here I think you don't use a PIN. I've yet to go anywhere and use the chip (still using magnetic swipe everywhere I go). It looks like the financial responsibility changes in October. Here's a fairly simple explanation.

http://usa.visa.com/merchants/grow-your-business/payment-technologies/credit-card-chip/liability-shift.jsp

Dave