1. appleguy247's Avatar
    What are the pros and cons of using Apple Pay on your iPhone first phone I'm Abel to use it on just trying to get some info
    02-18-2016 09:47 PM
  2. TwitchyPuppy's Avatar
    Pro: It's quick!
    Con: Not accepted everywhere (and if you're in Canada, you can only register an Amex card).
    appleguy247 likes this.
    02-18-2016 10:50 PM
  3. doogald's Avatar
    Pro: you don't share your credit card number with the retailer. If their payment system is hacked, you don't have to worry about somebody stealing it.

    I'm not sure there are many cons for me. If it can be used, why not?
    02-19-2016 06:45 AM
  4. SwitchBeach's Avatar
    It's fast.
    It's encrypted.
    Your credit card number is not shared with the retailer.
    You don't have to pull your credit card out of your wallet. So it's easier.
    Spencerdl likes this.
    02-19-2016 06:56 AM
  5. Quis89's Avatar
    Pros are like everyone has stated. It's really quick and convenient.
    Another pro is the verification message displayed on your phone to let you know it's been processed.
    It's secure and you don't have to worry about anyone being able to use it if you lose your phone.
    Spencerdl likes this.
    02-19-2016 09:54 AM
  6. swarlos's Avatar
    Even quicker if you have an Watch.
    02-22-2016 03:18 AM
  7. Jon Johnson5566's Avatar
    quite detailed sharing. Is there any cons need to notice?
    02-22-2016 04:23 AM
  8. JOSH_WH1TE's Avatar
    Unlike a contactless card someone isn't able to steal it and use it, unless they know your phone's passcode.
    02-22-2016 04:27 AM
  9. robertk328's Avatar
    Pros are like everyone has stated. It's really quick and convenient.
    Another pro is the verification message displayed on your phone to let you know it's been processed.
    It's secure and you don't have to worry about anyone being able to use it if you lose your phone.
    And the verification includes the cost!
    02-22-2016 05:44 AM
  10. robertk328's Avatar
    Unlike a contactless card someone isn't able to steal it and use it, unless they know your phone's passcode.
    Even then they'd need your fingerprint
    02-22-2016 05:44 AM
  11. Rob Phillips's Avatar
    Apple Pay is quite confidently the safest way to pay for things. Any tokenized payment method is going to be incredibly secure but Apple Pay includes the extra layer of requiring the user's finger print using Touch ID.
    This is why the big banks have made a HUGE push toward payment technologies like Apple Pay. I work for the parent company of the largest bank in the country and see all of the internal communication for this stuff.
    Last edited by DevilishBanker; 02-22-2016 at 08:01 AM.
    Laura Knotek likes this.
    02-22-2016 06:37 AM
  12. JOSH_WH1TE's Avatar
    Even then they'd need your fingerprint
    Precisely, no one will try to buy something with Apple Pay using a severed finger.
    Although if it reads the finger wrong multiple times it will then ask for the phones passcode to authenticate it.
    Rob Phillips likes this.
    02-22-2016 06:54 AM
  13. robertk328's Avatar
    ... Any tonenized payment method ...
    Somehow tokenized got mangled

    I'm hoping for more widespread acceptance of Apple Pay. Like you said it's super secure and protects everyone.

    One drawback would be places like Target who can look up your purchase with just a credit card if you need to return without a receipt. Then again Target had a huge breach so not sure I want them having that info
    02-22-2016 07:54 AM
  14. DaytonAnnie's Avatar
    I have been leery, but after reading this thread, and many articles about Apple vs. FBI, I think this is the way to go! Now to convince my husband! Ha!
    02-22-2016 03:08 PM
  15. ghostface147's Avatar
    Cons:

    Not accepted most places I go.
    If accepted, sometimes it's declined and I have to use my debit card.
    If accepted, person behind the counter has no clue how to use it.
    BreakingKayfabe likes this.
    02-23-2016 12:22 AM
  16. Rob Phillips's Avatar
    Cons:

    Not accepted most places I go.
    If accepted, sometimes it's declined and I have to use my debit card.
    If accepted, person behind the counter has no clue how to use it.
    I agree that most places don't accept it yet but it goes rather smoothly for me at places that do.
    02-23-2016 12:34 AM
  17. TwitchyPuppy's Avatar
    In Canada:

    Pros: It's a good idea.
    Cons: Only Amex can be used and it's barely accepted here (in my town, I've yet to see a place where they take  Pay).
    02-26-2016 04:23 PM
  18. scruffypig's Avatar
    Apple Pay also works with various apps from the App Store also. Apple Pay can be used where you see one of these logos in the US:

    What are the pros and cons of using Apple Pay on your iPhone?-imageuploadedbyimore-forums1456554378.902774.jpg


    Here is more info from Apple: http://www.apple.com/apple-pay/where-to-use-apple-pay/
    Last edited by scruffypig; 02-27-2016 at 05:41 PM.
    Rockdog97 likes this.
    02-27-2016 01:26 AM
  19. Trees's Avatar
    While out a few weekends ago bought tickets to Star Wars from Fandango app, and when ready to purchase the tickets noticed an option for Apple Pay. That was a new feature, so thought I'd try it out, but after clicking the Apple Pay option, discovered that there was a $2.70 convenience fee.

    Depending upon how you look at it, I can see the option to use Apple Pay for in app purchases as a pro or con. While $2.70 isn't that much money, it's nearly 9% of the $30.26 ticket price for two adults to see Star Wars in 3D. Maybe that's a con.

    Maybe the pro here is the "tokenization" for the purchase, but since Fandango already has my card info, in this particular case; not sure if the convenience fee was a pro.
    Last edited by Trees; 02-27-2016 at 11:35 AM.
    02-27-2016 10:42 AM
  20. Lightingguy55's Avatar
    So is this convenience fee common ?

    After reading the posts here I was set to register a card, but there no way I'm paying an additional fee.

    SB
    02-27-2016 11:48 AM
  21. scruffypig's Avatar
    While out a few weekends ago bought tickets to Star Wars from Fandango app, and when ready to purchase the tickets noticed an option for Apple Pay. That was a new feature, so thought I'd try it out, but after clicking the Apple Pay option, discovered that there was a $2.70 convenience fee.

    Depending upon how you look at it, I can see the option to use Apple Pay for in app purchases as a pro or con. While $2.70 isn't that much money, it's nearly 9% of the $30.26 ticket price for two adults to see Star Wars in 3D. Maybe that's a con.

    Maybe the pro here is the "tokenization" for the purchase, but since Fandango already has my card info, in this particular case; not sure if the convenience fee was a pro.
    The convenience fee comes from Fandango. It has nothing to do with Apple Pay. Apple Pay is free to use.
    Last edited by scruffypig; 02-27-2016 at 12:21 PM.
    Trees likes this.
    02-27-2016 11:59 AM
  22. BreakingKayfabe's Avatar
    Cons:

    Not accepted most places I go.
    If accepted, sometimes it's declined and I have to use my debit card.
    If accepted, person behind the counter has no clue how to use it.
    The only place I've ever tried to use Apple Pay and the person couldn't get it to work was at....the Apple Store.
    02-27-2016 05:36 PM
  23. TwitchyPuppy's Avatar
    The only place I've ever tried to use Apple Pay and the person couldn't get it to work was at....the Apple Store.
    Hahaha really?!
    02-27-2016 06:45 PM
  24. BreakingKayfabe's Avatar
    Hahaha really?!
    Yup. You could see her face full of embarrassment. Really cringeworthy.
    02-28-2016 02:43 AM
  25. eyecrispy's Avatar
    Fast, convenient, easy. I use it all the time at the grocery stores near me, Walgreens and Panera.

    Cons are that I forget to take my license and credit cards with me bc I just expect to use AP and then I get in a bind when I need the actual cards.
    02-28-2016 08:43 AM
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