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Thread: Apple pay?

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    Apple pay?

    I used Apple Pay today for the first time. I still had to sign my name or input a pin. This was Shaws supermarket. Cashier said it was because it's over $50. Is this normal. I thought my finger print scan was enough.

    The charge seems normal on my bank and states purchase Mobile.

  2. #2
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    See the URL below:
    https://support.apple.com/en-us/HT201239#stores

    Excerpt:
    Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.
    Earl F. Parrish

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    Quote Originally Posted by efparri View Post
    Ok thanks. I was worried I was getting charged twice.

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    Using Apple Pay only eliminates the presentation of the physical card. All other store or bank policies remain in effect.

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    Most probably because it’s the first time. It did that with my credit card.


    Sent from my iPhone 7 Plus

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    There is no way for the store to know whether you have used Apple Pay or a particular charge card before.

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    Quote Originally Posted by efparri View Post
    There is no way for the store to know whether you have used Apple Pay or a particular charge card before.
    The store wouldn't know, but the bank would. Therefore it can certainly require extra security the first time you use your credit card in a new way.
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    Why does the bank concern itself with each merchant? Transactions go through a central clearinghouse which uses accept or reject algorithms. Details are submitted later.

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    It's for security, and they most certainly concern themselves with it. For instance, the first time you get a new or replacement card mailed to you, it could be limited to chip and pin transactions only. After 1 successful transaction, then the tap to pay feature would be available. I've seen this happen before to myself and others. Sometimes even being at a new store or if you're travelling, the bank will see this and limit your pay options too.

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    That has nothing to do with Apple Pay specifically. Those are general security procedures. Banks may question unusual transactions no matter what method you use to pay for credit card purchases. If you are going to be using your credit cards in a widely remote location, it is a good idea to inform your bank in advance.
    Last edited by efparri; 09-07-2017 at 07:26 AM.

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    When I was using an iPhone I did run into 2 issues one was when I was at bestbuy it asked me for the 3 digit security code, and the second was Ralphs market where I was asked the code and zip code

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    Quote Originally Posted by efparri View Post
    If you are going to be using your credit cards in a widely remote location, it is a good idea to inform your bank in advance.
    Depends on your bank. I've done this before and they've thanked me for calling in. But the last time I informed them of my travels they said it's no longer necessary. I even got an email ad once saying the same thing.

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    Apple pay?

    I’ve been using Apple Pay almost 2 years now, never have to input signature or pin, Walgreens, Aldi, Disney World, etc... make sure you enter your billing address and information update on Apple Pay page. My 2 cents. Never have to sign or use pin.

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