Why Walmart and Best Buy aren’t backing Apple Pay



When Apple Pay was unveiled Tuesday, Eddy Cue was quick to mention that 83% of US card issuers are already on board. 220,000 stores will also support the mobile payment initiative at launch, including big chains like McDonalds, Walgreens, Staples, and of course, Disney.

But that doesn’t mean Apple Pay’s adoption will be smooth sailing going forward. There are still plenty of merchants that haven’t signed on, and some of the biggest names, including Walmart and Best Buy, don’t plan on supporting Apple Pay any time soon.

Both Walmart and Best Buy have no plans to equip their stores with NFC scanners, according to The Wall Street Journal. The iPhone 6, 6 Plus, and Apple Watch utilize NFC to process mobile payments.

A Best Buy spokesperson told the Journal that it installed NFC checkout systems years ago, but eventually ditched them because they cost too much to maintain. Google Wallet and other services have been trying to get NFC payment processing off the ground for years, but adoption in the US has remained stagnant.

The real reason Best Buy and Walmart won’t be supporting Apple Pay is their allegiance to a retailer-owned mobile commerce network called Merchant Customer Exchange. MCX uses an iOS and Android app called CurrentC that involves the customer scanning a QR code instead of using NFC’s tap-and-pay. It’s basically a cross-platform take on Passbook. The app will be available nationally next year.

The mobile payments race in the US will be between Apple Pay and MCX. Photo: Roberto Baldwin/The Next Web.
The mobile payments race in the US will be between Apple Pay and MCX. Photo: Roberto Baldwin/The Next Web.

Other MXC partners include Target, 7-Eleven, Southwest Airlines, Gap and Shell.

What’s interesting is that Target is a MXC and Apple Pay partner. During Tuesday’s keynote, Apple Pay was demoed running inside Target’s iOS app.

Even though the likes of Walmart and Best Buy aren’t on board now, there’s good a chance that Apple Pay will become more ubiquitous over the next year.

US financial institutions are forcing merchants to support electronic EMV credit cards or risk liability for fraudulent card activity and identity theft. Point-of-sale terminals must be upgraded by October of 2015, and PandoDaily posits that the timing is perfect for Apple. “And when these merchants shell out for new card-readers, something they might do at most once or twice per decade, there’s a good chance they’ll opt for all the ‘bells and whistles.’ Following Apple’s announcement, NFC is right at the top of the list of must-support technologies.”

Banks have been beyond excited to support Apple Pay, with some undergoing extreme measures to keep their involvement a secret. Apple has convinced card issuers that its combo of Touch ID and NFC is the most secure option that in turn dramatically reduces the risk of fraud. That’s why Apple will reportedly earn 15 cents of every $100 spent using Apple Pay, an unprecedented rate that no other company has managed to get.

Apple Pay launches in October, and more merchants and banks will be brought on board as the service rolls out in the US.

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  • Windlasher

    Best Buy is becoming less and less relevant anyway so who cares. The Walmart thing surprises me.

    • Adrayven

      Shouldn’t though.. Walmart is part of Sam’s Club.. and Sam’s has always bucked the trends.. they only ‘just’ started supporting Mastercard.. For years it was a Discover Card only shop. They still don’t take VISA.

      • Wei Yang

        Costco doesn’t take anything besides debit and Amex…

      • Joe Siegler

        “Part of Sam’s Club”? It’s the other way around. Sam’s Club was a spinoff/part of Walmart.

      • Conrad2010

        I have no problem w/ Walmart accepting my Visa.

      • graywolf323

        I’ve used my Visa no problem at Sam’s Club :-/

    • DJchubbZZ

      Best Buy Less relevant ??? Not as I look at the Ticker going up.

  • sanfordandsons

    Wally has their own outrageously high interest credit card that will change from Discover to Visa this fall, it will include a security chip for security. Best Buy? Who is that?

    • Wei Yang

      Best Buy will soon be the future Circuit City.

  • Michael S

    Sorry, guys you have it wrong… Walmart and Best Buy were aggressive when Visa/MasterCard/Discover/Amex forced them to spend $100 million on all new terminals that accept EMV spec cards. The card issuing companies are not about to force merchants to replace terminals again to accept NFC devices and RFID cards. The issuers began moving to EMV terminals 3 years ago. Apple is somewhat late in getting their system into the marketplace.

    Remember that RFID based cards began to be issued 3 or 4 years ago and most issuers have stopped issuing the cards (no real value to cardholders or to merchants).

    That being said, Apple has finally “cracked the code” and figured out a way to make this work. It will just take longer to get the majority of merchants to convert their terminals (again). It will be useful to consumers within two years and ubiquitous within six or seven.

    • Windlasher

      Im thinking that Apple may be a tad late but also right on time. Most merchants are going to have to replace readers to support Chip & Pin in the next year. Apple seems to be getting in right when almost everyone HAS to do it anyway.

      • josephz2va

        They’ll have to now with credit card breaches all over the market. Best buy and Walmart are next to be hacked. I guarantee you they’ll hit the news by the end of the year for a massive credit card breach. Only a matter of time.

    • AdamJoseph

      Here in Canada, RFID is widely available and used in most establishments, for both debit and credit card purchases. I would say I use it for 75% of my purchase, at store, restaurants, convenience stores, gas stations, fast food outlets, etc.

    • Jimmy Goodwood

      It would not surprise me to see Apple supplying the hardware to some of these holdout companies just to get them on board. From Apple’s perspective the hardware investment will pay for itself in a year or two anyway. They look at things for the long term.

  • frank

    typo: “Google Wallet and OVER services”

  • We The People

    what ever you like to use is your business. If any retail dont want your money than thats their lost. Walmart and best buy is not the only 2 store left in the world. I care less about them. I take my money else where. I know that they need me more than I need them.

  • GMChuck1

    Can’t stand Walmart anyways. They have 25 lanes but only two open, so its no surprise they aren’t intrested in helping customers get through those two lines any faster. Now that I think about it I guess that is why my Wife prefers to shops at Target.

    • PastTense

      OMG. So funny you mention that about the Wally Mart experience. I go into a Wally Mart maybe 1/year. Just last week I was in one and almost died waiting in line for over 25 min while a woman did three separate transactions. Twenty lanes; only three were open.

      I am sure that experience took three or four years off my life.

  • Scott Simon

    Apple will give them a year to comply, then they will start to leverage their existing product lines; Best Buy and Walmart will find themselves with lower and lower inventory levels of iOS and Mac devices. They’ll fall in line real quick, guaranteed.

    • AdamJoseph

      I tend to think its consumer demand that will drive any change. When their data begins to show that their customers are avoiding purchases because the Apple Pay service isn’t offered, they’ll move forward.

    • tornacious

      Is that type of business practice legal?

      • Tallest Skil

        “Is it legal for a company to choose where they sell their product?”

        You’re joking, right?

    • PastTense

      I think you’re right. And @AlaninMontreal:disqus is also right: Consumer demand And low supply from #AAPL will force non-conforming retailers to put their tails between their legs and conform.

      @tornacious:disqus Yes, that is legal. Giving preferential terms to some “partners” and not to other “partners” is quite legal. The contracts would be different of course.

      Focus on the customer and it’s amazing how successful you can be. Customers: the one thing every single business must have.

      • mrswine

        Unless you’re a corporate lawyer, I’d be careful about saying what is and isn’t legal. Tying product availability to use of a completely different product has been famously held to be illegal in the software world; I’m not a corporate lawyer, but it isn’t a stretch to see how one might address that as precedent in any legal proceeding regarding Apple hardware and Apple Pay. And depending on the language of the contracts, the “Most Favored Nations” clauses could come into play, and would most definitely make preferential terms a breach.

        Can you name an example of Apple, or any other computer manufacturer for that matter, actually limiting available stock for a purpose such as this? In my experience (and yes, I ran an Apple dealership once upon a time), Apple simply terminates a dealership for non-compliance. I’ve never seen making retail product less available used as any type of punitive tool.

        These are big relationships – dedicated sections within each store – and “throwing your weight around” like this is simply damaging to relationships. As to your point about customers – you do realize that Best Buy and Wal-mart are customers from Apple’s perspective, right?

  • crateish

    Because they are dinosaurs that will be killed by the Internet?

  • digitaldumdum

    “Why Walmart and Best Buy aren’t backing Apple Pay”

    Horrible places to buy from anyway. Walmart treats their employees abysmally, pays the lowest wages and rewards few, if any for hard work. Fifty checkout lanes, and only one or two open at any time.

    And Best Buy? They’re hardly ever the •best• buy, and consistently a frustrating experience for anyone who wishes to be enlightened about a potential purchase; the employees are only a step above those at Walmart. (Okay, hyperbole perhaps, but often not by much.)

    No Apple Pay at either? No problem… at least not here.

    • Don’t like the pay, get out. There are other people that would like a job. *coughs* Self checkout *coughs*

      • digitaldumdum

        Hmmm, I think you missed the point of my post altogether, which frankly, I find hard to understand.

        Not sure what •your• point is, but mine is simply that Walmart, for all it’s wealth and power, pays horribly and treats employees badly. That’s hardly news to anyone who shops at Walmart, works at Walmart… or reads. Don’t think I said •anything• about whether people should or should not work there. Of course it’s a choice… except in the thousands of small towns where Walmart has taken over and driven all the smaller businesses •out• of business, leaving employees with no other place to work. If you travel around the US, you’ll see that first-hand.

        Unless you live and work in Bentonville, Arkansas and surrounding areas (or are part of the Walton family, I can’t imagine why you’d defend them. And sorry, but I don’t quite get the *coughs* thing you included.

      • Barrs Saulzberg

        Walmart at least doesn’t have employees committing suicide like the ones in Apple sweatshops

      • Hats

        Apple does not own any factories… When did they open any up?

      • digitaldumdum

        Your response is nonsensical. There is no relevant analogy present, nor does it belong in this discussion. You don’t have a clue what you’re spouting about.

      • Steven

        Let’s not forget the very important point that we ALL subsidize WalMart’s low wages already, in the form of tax money paid to employees who are eligible for food assistance because their wages are so low.

        I don’t want to get into a WalMart bashing mode here, but I do expect them to change their minds on this one.

      • Did Obama tell that to you? You know it’s much easier to blame a large company like Wal-Mart. (Don’t get me wrong I hate wal-mart like the rest of them and will not shop their because of reasons) Let’s blame wal-mart instead of blaming things like: Parents not being parents, kids dropping out of high school, not giving a single shit about the community, booz, drugs, no college degree. You want a minimum wage increase? It will be 100 at most with taxes taken out. We need to focus on the real problem. We need to strengthen the family.

      • Rafterman00

        Did Rush tell that to you? Obama doesn’t have to tell us what is obvious to anyone who can read. Yes, let’s blame Walmart because Walmart is one of the very few (and largest) companies that have full time employees capable of getting welfare too due to low wages. Why don’t other companies have that problem? McDonalds is the only other big company I can think of that has a low wage problem. Does “parents not being parents” and drugs and booze only affect Walmart and McDonalds? Yet they seem to be one of the very few with a wage problem. So, yes, it IS the company’s fault if they don’t pay their staff enough.

        (and I will wait for the explanation about why the disintegration of the family is causing Walmart to underpay its staff)

      • DigitalBeach

        Zachari has been watching too much 700Club or something. But don’t worry he does’t shop at wal-mart “because of reasons”… whatever the fuck that means.

      • 700Club is for bitches. Go take a econ class, it’s not just as easy as raising the minimum wage. Things won’t just magically get better, of course they will have an extra 100 to spend on booz and tattoos.

        Fuck off.

      • DigitalBeach

        So instead of pointing the finger at a corporation who is in total control of how they conduct their business, we should be pointing the finger at “family” who has no control of said corporation’s operations?

      • Fuck yes.

      • The family DOES have control of how their kids turn out. If you have a parent that does’t give a shit what there kid does, he will be living on minimum wage and the system all his life. But yea let’s blame wal-mart instead of taking responsibility for our own actions.

      • TucsonMatt

        Basically these things are consumer driven. Consumers expect low prices, and you can only pay so much and maintain that.

        If enough people go shop at another store that pays their employees higher wages with better benefits, then Walmart will either go out of business or change.

        The problem with much of this is not understanding economics and ripple effects.

        If you raise the minimum wage to $15/hr, it’s more than just giving these people a higher wage.

        Once you do that, then you have all the people who went to college, worked hard, got a degree so they could have the skills to get a good job having to get a raise as well. People getting out of college are being paid $15/hr. If you think that they’re going to be willing to continue to accept the same amount of pay as some unskilled, high school dropout, then you’re sadly mistaken. They are basically getting paid twice the federal minimum wage, and will expect a raise that maintains that difference as compensation for their willingness to sacrifice, struggle, study and work hard to improve their skills. Now, you have to raise THEM to around $30/hr for them to be happy.

        Well, guess what? Now the people with higher degrees or more experience who are making around $30/hr are going to expect a commensurate increase in THEIR salaries as well and it will ripple all the way up.

        Corporations are entities, not people. Thus, they never pay taxes, wages, benefits, regulatory costs, etc. Those costs are paid by either the consumer in higher prices, or employees by lower wages or fewer hires.

        In six months to a year, the purchasing power of that $15/hr is going to end up buying people the same as the current minimum wage. It’s a false illusion that it’s going to give people better lives for more than a short time.

        The cost of a global marketplace is that US companies have to compete with everyone. If a consumer is in a store looking at two pretty identical products, very few are going to spend 20% to buy one made in the US with higher wages. They’re going to buy the less expensive one, and thus US companies have to move factories, etc. to other countries in order to be able to compete. Many of the same consumers who won’t pay more for USA made products will be the first to condemn the company for moving jobs, even though it is their behavior causing it.

        My in-laws in the 80’s were working as security guards. Congress raised the minimum wage. While Ted Kennedy and others were walking around patting themselves on the back for being for the working person, my in-laws lost their jobs. The higher minimum wage made it cheaper for their employer to install cameras than to pay someone to physically walk around. My in-laws were VERY thankful for that minimum wage increase.

    • TucsonMatt

      I don’t know – I have some clients that work at Walmart, and they are very happy and make excellent money.

      The problem is with people who drop out of high school, have no interest in going to college or doing anything to better themselves but think they have a right to get whatever job they are now qualified for and make $15/hr. They are only qualified for menial, low-skilled work that is minimum wage. My clients started in those jobs, but worked hard, improved their skills and education and moved up into higher paying jobs.

      Why people think that a minimum wage job should entitle them to a comfortable life is beyond me. Minimum wage jobs were never meant to be careers and to raise families on. They are meant to break into the workforce, for younger people, supplemental income, jobs to do while going to school, etc., so you can go out and GET the $15/hr job.

      • digitaldumdum

        Thanks for that thoughtful, pleasant reply. (Getting rare these days.) It give me a different perspective from what I see and glean from talking at random to Walmart employees.

  • Ankit Jain

    Is there anymore information on Apple getting 15 cents per $100? Is that cost borne by the FIs, merchants or customers?

    • jus-sayin

      the 15 cents will come from the charge that the merchant pays the card issuer as % of every transaction is taken by the issuer of the card in the first place

  • moofer

    Well, they already offer NFC payment via credit card. Apple Pay will work whether they like it or not. Works on existing NFC POS hardware.

    • PMB01

      I read that as “NFC piece-of-shit hardware” lol

      I need to get off the Internet.

    • mrswine

      Sorry, but that’s not correct. All the NFC hardware does is allow a connection to the backend system. If the retailer doesn’t support the system, your NFC works technically but will do nothing.

    • Chad Vincent

      BestBuy tap-and-pay terminals (when they work) block PayPass Debit, which Google Wallet uses on the backend. So no, they can likely block Apple Pay, too.

  • Christian Marth

    Australia have recently enforced EMV payments on all terminals and discontinued the use of signing in place of pay pass and pin, seems odd that US is still so far behind with payments

    • Windlasher

      I am getting really sick of all these “WHY IS THE US SO FAR BEHIND.”

      Let me see if I can explain this in a way you will understand. The US is behind on many technologies for two reasons and two reasons only.

      REASON #1
      The US is behind because the US did it first. The US initially built infrastructure was done in the 50 and 60s when most of the world was still using soup cans and strings to communicate. The initial infrastructure was built using then available technology. Now technology has changed and needs to be updated. The technology in other countries is better because THEY DID IT LAST and benefited from advances in technology where that technology had become a cheap commodity and was fiber and wireless instead of outdated copper.

      REASON # 2

      The population of most countries in the world is equivalent to one or two of our most populous states. The population of Australia is currently 23 million. The population of the ENTIRE United Kingdom is 64 million. The population of CALIFORNIA by itself is 38 million.

      It cost a HELL of a lot more to change out every piece of tech in the US that is does for most other places in the world which is one of the main reasons the US has not done it. We cannot re-wire every home for fiber just because some other tiny country did it because of the costs, distances and sheer number of businesses involved. BP Australia has 1300 stations in the country. BP US has over 9000 stations. Understand. Its not that easy to change out every terminal just to keep up with Australia.

      I lived in Cambodia working for the UN, and I always got 4 – 5 bars on my phone even when we were out in the middle of no-where. Thats because all of the towers in Cambodia were state of the art Fiber based transmitters, bought from the US in the early 2000s and installed by US contractors.

      YOU Benefitted from our getting it done first. YOU are a fraction of our population and YOUR infrastructure is TINY compared to ours. Its not so simple as to just do it because we want to. Yes, the systems in these countries may be better than ours. You’re welcome.

  • tevfikret

    In the short term or long term, it doesn’t matter. Everybody will sit on Apple’s lap.

  • Barrs Saulzberg

    since they’ve given up on inventing anything interesting in the past 4 years, being a payment middleman service makes sense for apple

    • digitaldumdum

      Soooo, you’re still using a Motorola flip phone and Windows 95, I imagine.

  • Steven

    One thing I’ve not heard mentioned is the fact that most wealthy/affluent folks use Apple exclusively. (Let me post a link so everyone understands I’m not trying to start a war here: http://www.mobilecommercepress.com/mobile-commerce-most-popular-among-ios-consumers/855477/). I can understand why this might not interest WalMart, but Best Buy? That greatly surprises me, especially since I’ve actually bought a few Apple products there in the past.

    In any case, I don’t think it’s such a bad thing. Competition will make everyone’s experience better in the long term. Now, if only we could introduce a little of that into our broadband providers…

  • Grunt_at_the_Point

    Looks as though some here feel when Apple snaps its fingers we should all jump. There is room in the marketplace for everyone. There is no need make villains out of companies who choose to go another direction.

  • robogobo

    The only thing prohibiting a standard by which all devices will operate is the struggle between privacy and info collection. I wonder which one will ultimately win?

  • robogobo

    I actually choose only shopping center over the other because of its parking garage which let’s you use a credit card at entry in lieu of a paper ticket. Little conveniences do make a difference. Walmart should take heed.

  • Just saying

    They are not getting 15cents of every dollar. They are getting .15 cents.

    • No, it’s 15 cents.

      Math is hard.

  • RaptorOO7

    Which in turn offers benefits to Google Wallet as well so ultimately mobile payments win regardless and its less about Apple making it happen then it is about the Credit Card Companies MAKING it happen with required upgrades. Google & Apple will just get the benefits.

  • HeWhoGameZ

    I don’t care much for Walmart or Bestbuy. But I do like target but not enough to download a separate app to shop at their stores. Big businesses like Target need to figure this stuff out or they will be left behind.

  • RBR

    No biggie; I only visit Best Buy when I’m impatient for a movie. I’ve never been to a Walmart, but the photos and stories are enough to keep me at distance, plus my city doesn’t allow Walmart.

  • gingermavy .

    The reason is that the typical Walmart user is an unemployed welfare loser who cannot afford an iPhone.

    • TucsonMatt

      I wish that were true. I see people all the time swiping their EBT cards while chatting on their iPhone and then driving off in their lowrider with fancy wheels and tires that I could never afford!

      I understand that sometimes people with EBT cards and nice cars were people who lost their jobs and are struggling until they find new ones and we can’t expect them to see their BMW immediately after getting laid off – especially if said BMW is paid for or nearly so.

      However, many of those I see don’t look, act, or talk as if they’ve had any job other than filling out government assistance applications.

  • Nick

    People that shop at Walmart don’t have iPhones…

  • yeld

    It seems really weird that in the US most shops still take the magnetic stripe, while in my country – Poland, every shop takes chip cards and I’d say 90% of them support PayPass or PayWave NFC technologies from Visa and MasterCard. I still am onboard with ApplePay because of how easy it seems to be to add a card and use it.

    • Windlasher

      Yeah, yeah, whatever – I explained this above. YOU have the US to thank for your technological superiority. Get over yourself.

  • Omar Fierros

    And one more reason for me not to shop at Walmart and Best Buy.
    Best Buy say that is too expensive to maintain and adopt those card readers, well it is even more expensive for us the consumers not having a better and secure credit card system, even countries like Mexico have the chip integrated in their credit cards, so we are being behind.

  • Matt

    I’m 33 and have no interest to pay for anything with a smartphone…. I like my wallet and cards/cash thankyouverymuch…. And it gets worse for older people. Only half of the people over 65 use the internet and only 40% have broadband… around 10% still use dialup or public access areas. “Intriguingly, the agency found that half of offline households simply
    don’t want Internet — they either feel they don’t need it, they can use
    it elsewhere, or it infringes on their privacy”

  • Craig B

    Walmart is bucking Apple for now because majority of their customers are low-income which for the most part use Android devices. They see no benefit when even with Android dominated users as their customer base, those users themselves aren’t even subscribed to Google Wallet. You have to remember that a good percentage of their consumers are on public assistance, so do you expect those to have iPhones?

    • Hoek

      Funny thing is those on public assistance seem to be the ones that do have iPhones, well here where i live anyways. To think poor people buy Androids shows how uninformed you are, i have nothing against Apple and Android but you clearly do with a statement like that.

      • Craig B

        Awwwww, would you like some bus fare? Send me your paypal and I’ll make sure to drop you a 3 month pass.

      • Hoek

        What in my comment makes you think i need your donations? i can almost guarantee my income is higher then yours. As for the people i see out in society, many of the less unfortunate have iPhones, not all but its quite common. None of my high up business colleagues own iPhones, actually one does but its a 5 and im guessing he will upgrade soon to something more open for our business environment.

      • Craig B

        I seriously doubt that your income is higher than mine when you can’t even distinguish the difference between “then” and “than”.

        My offer stands. Simply provide your PayPal and I would happily provide you, this time, with a 6 month pass.

      • Hoek

        Yeah because some errors in typing on a smartphone arent common it must have something to do with my income smh. You have gone off topic now and are just coming off like a cocky arsehole, typical Apple user, and you wonder why you guys get so much hate these days. You simply are not worth my time, you have brought nothing to the table because you really have no knowledge on the topic which is obvious with all your high income comments. Basically you are a loser who really has no idea and has a phone simply for a fashion accessory, never knew Craig was a girls name.

      • Craig B

        You know, you’d avoid an ulcer if you simply avoid posting comments on articles about Apple products. Why do you have such obsession in trolling and berating Apple fanatics? Leave ’em be and you’ll find you won’t be as stressed in your life and maybe you’ll find happiness in life.

      • Hoek

        How am i trolling? if anything thats what you have done with your ridiculous first comment, its simply not true but you made the comment just to troll. Not one of my replies to you i would consider trolling, are you slightly retarded? do you know what trolling is/means? it sure doesnt look like it. Everyone of your replies are just stupid little insults, you have brought nothing to the table except insults.
        I look at Apple articles because im interested in tech, i have no sides that i will take, i look for the best product trying to ignore brand names and get what is right for me, in researching what is best for me i read articles like these because it could influence my decision, thats what articles are all about.
        Now, why are you here? all you seem to be doing is insulting people and making out your some wealthy individual who will pay for a bus pass, you’re mad rich! how about that 6 month pass instead of buying it, go and give the money to someone homeless, they will need it more. Or go donate it to an Android user as you feel they are all poor people.

      • Craig B

        You obviously have some anger issues. Ok I relent. I will give you the 6 month bus pass plus 10 psychiatric sessions. Enough already. Can we hug it out and move on?

      • Hoek

        How about you go on topic and stop trolling. Im not angry at all, but by you saying that proves even more you are a troll like you are trying your best to test someones patience. I’m disappointed that someone as dumb as you keeps responding and embarrassing yourself. Keep it up, ill keep replying just so i can be amused by each of your dumb arse replies. I didnt know wealthy people trolled like you are, maybe you are so wealthy you have nothing better to do? I suggest you get those psychiatric sessions for yourself you nutter.

      • Craig B

        It’s called technology Hoek. I get an alert when a troller like you replies, then I simply return in kind. My original topic is up there, scroll up that’s the conversation. Prove me wrong. Ciao for now.

      • Hoek

        Again ill reply so you in turn will also, so again i can have a giggle, this time it seems you cant even read you own comments and directed me to your first comment which proves you were never on topic and just talked a whole bunch of crap like a troll would do. If you truly believe in your statement and have evidence to prove me wrong go ahead, but what you stated is false so good luck with that. The burden of proof is on you, you make the claim then back it up with evidence. I simply stated that in my country and within my workplace your statment is incorrect, that seemed to bother you and this has gone on ever since, whats your problem? show me how only poor people buy Android and ill leave you be. Geez im not even an Apple hater or Android supporter and dont agree with you.

  • mustraight

    There will always to be a merchant that wont have NFC just like you will always need a physical card to withdraw from most ATMs. I’m really looking forward to the fact we no longer need to carry all our cards with us, but with the understanding you should always still carry a “back-up” for the companies like Walmart & Bestbuy that wont accept. I have found the ultimate minimalist pocket that fits all iPhones including the NEW iPhone 6 and 6+ Now I can keep my iPhone “naked” and have my back-up & ID with me, GOODBYE overstuffed back-pocket wallet!


  • SE4Lyfe

    Great. NFC card data being the poorly documented after-thought it is, this should go well!

    Truth is the people who designed this standard made getting card data as much of a pain as possible. NFC as a transport mechanism is a good standard, but every King Dingaling on the block (Google, Apple, et al) has their own way of structuring the data itself, and then every card reader has their own way of conveying it. A completely nonstandard mess that every good system engineer would steer clear of if at all possible. Oh, and guess what? None of this is documented anywhere? Where exactly are we supposed to find the information to support this claptrap? Who knows?

    I’m still waiting for a viable alternative because this isn’t it.