1. kristenelaine1991's Avatar
    I'm thinking about upgrading my iphone and starting to use apple pay. Can anyone tell me the pros and cons of apple pay? DO you like it? How is it compared to samsung pay, paypal visa express?
    11-13-2016 10:17 AM
  2. TwitchyPuppy's Avatar
    I love it!

    And it's works everywhere contactless payment is accepted (Thanks to the NFC chip).

    So far, the cons are if I use it in restaurant since you can include tip directly with the card reader which requires the card to be inserted in their machine.
    11-13-2016 10:41 AM
  3. Just_Me_D's Avatar
    Easy to pay without taking out your wallet or purse

    If you forget your wallet or purse, you can still make a purchase.

    Well supported.
    TwitchyPuppy likes this.
    11-13-2016 11:04 AM
  4. reeneebob's Avatar
    I like it a lot - when I remember to use it. Lol. I never used Samsung pay so I can't speak to that but Apple Pay has been pretty seamless to me.
    Just_Me_D and TwitchyPuppy like this.
    11-13-2016 11:14 AM
  5. JuanGuapo's Avatar
    + Faster than most EMV chip reader terminals. It's less than a second to use Apple Pay vs. sometimes 20-30sec with EMV chip.
    + Virtual card number as opposed to your real debit/credit card number.
    + Works nearly everywhere/anywhere contactless payments are accepted.
    + TouchID security
    + Convenience of not having to take out your wallet.
    + Digital copy of your receipts.


    - Not every merchant supports contactless payments; some that do still don't work reliably (i.e. McDonalds).
    - Not every bank and credit union supports it for debit and/or credit cards. I have BofA, they support it for everything; meanwhile, my credit union only supports it for their credit card.
    - Reinstall iOS, may have to re-setup your Apple Pay (secure).
    - (Not uncommon) Some older contactless card readers don't actually work, or work reliably--not specifically an Apple Pay issue but just crummy terminals, you may have to bust out your wallet.
    12-03-2016 12:46 AM
  6. kataran's Avatar
    After Reading all these threads I feel safe trying it for the first time now that my big bank, one of the last hold outs got around to joining the digital world

    Santander Bank
    05-02-2017 02:03 PM
  7. Ledsteplin's Avatar
    There's still not a lot of businesses here that do Apple Pay. I've used it at Subway a few times and at McDonald's. It doesn't work in the drive thru at McD's, but does inside.
    kataran and Tartarus like this.
    05-02-2017 02:26 PM
  8. SparklyPickle's Avatar
    There's still not a lot of businesses here that do Apple Pay. I've used it at Subway a few times and at McDonald's. It doesn't work in the drive thru at McD's, but does inside.
    If they accept contactless payments, it'll work.
    05-24-2017 09:05 AM
  9. TwitchyPuppy's Avatar
    Pros: Convenience!
    Cons: Merchant has to have a contactless enabled terminal. (Yeah, some haven't reached the 21st century yet)
    09-14-2017 03:25 PM

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