Used Apple Pay with debit card and terminal still asking for PIN?

[Agpe17]

I couldn't be more pleased with ApplePay.

Just went to CVS for some bread - they have self-checkout registers there. I was literally in and out in about 1 minute. ApplePay worked like a charm!

 

[CD1X]

Yep.....I think the key is to hit the credit button when doing transactions.

 

[TheRewardisCheese]

Used mine at McDonald for coffee earlier this morning and had no issues

 

[anon(52425)]

Found a subway today that had NFC and I was prompted for a PIN. I cancelled it and tried it again after telling the cashier I needed to rescan. She reset something on her end and I tried it again and was not prompted for a PIN.

 

[jaweston12]

Yes, it happened to me at Walgreens yesterday. It must be because I had my debit card on file with Walgreens before Apple Pay came into being.

Perhaps my card is linked to my Walgreens Passbook account and Walgreens runs my debit card through just for good measure. Otherwise, at a never-before-used merchant, I don't think I would need to enter my PIN code.

 

[metacuate]

Yes, it happened to me at Walgreens yesterday. It must be because I had my debit card on file with Walgreens before Apple Pay came into being.

Perhaps my card is linked to my Walgreens Passbook account and Walgreens runs my debit card through just for good measure. Otherwise, at a never-before-used merchant, I don't think I would need to enter my PIN code.

They don't get your debit card number... Not even your name.

 

[MAFMAccountant]

My credit union is not set up for me to use Apple pay. I've tried to load my card but it keeps telling me that my bank hasn't been added yet and to try back later.

 

[rdubmu]

I went to Walgreens yesterday to try out Apple Pay.....I have a Chase debit card....it worked fine but I still had to input my PIN. I thought my fingerprint was supposed to kill that?? Anyone else had this happen to them?

Same thing for me, it asked for a pin

 

[Cleveland]

Must be the way Walgreen's terminal is setup ... Had to chose credit etc but at Pet Smart it worked flawlessly

 

[BreakingKayfabe]

Just to update a little on this thread. I recently switched out my credit card terminals for newer ones as of yesterday. They're equipped with NFC and accept Apple Pay without a problem. I tested the debit method. It seems that once the customer makes the tap, the vendor still has the choice of whether to charge the transaction as a debit or credit. It seems that no matter what, if you're being charged in debit form, it requires a PIN. That's just what debit is.

By the way, no matter how much the sale is, the debit fee on our end is only 15 cents flat on the sale as opposed to a percentage on credit. Which could be why many vendors still choose to charge you debit. They just get charged less.

 

[rdubmu]

One vendor told me it is cheaper to charge credit on items under $25, anything over charge debit

 

[BreakingKayfabe]

One vendor told me it is cheaper to charge credit on items under $25, anything over charge debit

Opposite for me. I pay 15 cents for a debit transaction whether the customer is paying $1.00 or $1,000

 

[rdubmu]

Opposite for me. I pay 15 cents for a debit transaction whether the customer is paying $1.00 or $1,000

Actually we are talking about the same thing... Credit charges %, so it is cheaper under $25, debit is less expensive after $25 as it is a fixed cost


Sent from my iPhone using Tapatalk

 

[robbrick]

How do you set up Apple Pay on the 5s? Or is it only for the 6 and 6+?

ApplePay only works on the 6/6+ in-app or in-store.

 

[Debi Martocci]

The whole thing is explained with CDCVM. Once retailers use this, everything will work the way it's supposed to, the way Apple intends it to. https://support.apple.com/en-us/HT202527

 

[yoshimiya08]

I use apple pay at walgreens and it worked fine and didnt need my pin.

 

[robbrick]

Trader Joe's still asks for a PIN when using Apple Pay for my groceries. I don't mind. It keeps me safer. But I'll agree, it's not as quick having to enter a PIN.