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CVS & RiteAid disable NFC payments

Discussion in 'GENERAL Wireless Discussion' started by viewfly, Oct 27, 2014.

  1. viewfly

    viewfly Mobile RF Advisor
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    As this affects both iPhone users and Android OS, it would be valuable to hear opinions.

    As the headlines state, CVS and RiteAid disabled NFC payments over the weekend, turning off Apple Pay and Google Wallet, and NFC in general. The reason? According to a RiteAid memo, they are telling customers to wait for a CurrentC solution (app based) in 2015 that will use your checking account, or store branded CC's instead. This will also allow them to collect shopping patterns and bypass CC fees.

    Basically under pressure, the story goes, from their consortium from CurrentC, a start up, they turned off NFC. Clearly, Apple Pay was a threat, and also Google Wallet.

    I don't know the inside reasons, but this is plausible. And seems a bit unfair to customers. It seems with Apple Pay at least, MC, VISA and AMEX (and 500 banks) have signed on and are willing to pay Apple 0.15% per transaction (from CC to Apple, NOT from the store) because of the increased security. I guess the estimate is the loss from stolen CC is far greater than 0.15%.

    Anyhow, seems shortsided for all. I, in particular, would not trust CVS with my checking or savings account info, in the cloud, in order to purchase goods at the store.

    what do you guys think? I'm a newbie with NFC, however my first experience was 'cool'

    and an article on GSMArena for a Google and Apple user boycott for CurrentC
    http://www.gsmarena.com/apple_and_a...oin_forces_to_boycott_currentc-news-10052.php
     
    #1 viewfly, Oct 27, 2014
    Last edited: Oct 27, 2014
  2. viewfly

    viewfly Mobile RF Advisor
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  3. viewfly

    viewfly Mobile RF Advisor
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  4. viewfly

    viewfly Mobile RF Advisor
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  5. dmapr

    dmapr Silver Senior Member
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    I think I first heard of it back in September, in the context of Wal-Mart and Best Buy. I haven't really read much about CurrentC, but from little that I did it doesn't sound like it's a very secure solution, so I was really surprised to see Wal-Mart being a part of them (considering that Wal-Mart is one of the very few retailers that has already enabled EMV in its stores).

    On the personal level though I don't really care much. I think I've used NFC for payments a grand total of three times since it became available to me back in 2012, so no big loss.
     
  6. RadioRaiders

    RadioRaiders RF Black-Belt
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    My new credit card has NFC on it and I never used it. My phone has NFC on it, and I've never used it.
    As for security, none of them are really secure, they can all be hacked (albiet some easier than others)
    If you want security, pay cash. Nobody will ever have your bank account number. Nobody can trace your purchases or habits.
    You can even get an Apple logo to go with the old-school technology:
    [​IMG]
     
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  7. viewfly

    viewfly Mobile RF Advisor
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    So profound. You talk like a low tech curmudgeon.
     
  8. QLR

    QLR RIP Note!
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    I've used NFC payments a few times, as my Note 3 has the Softcard app baked in. I didn't like it because you have to place the phone perfectly on the machine. Or some merchants didn't have the device working. I was hoping that the Apple Pay would get merchants going, but that's not the case so far. The currentc thing is not something I'd consider using... I am not linking a checking account to a NFC service.

    I would have used Softcard more, but they restrict the cards that can be added.
     
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  9. RadioRaiders

    RadioRaiders RF Black-Belt
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    I learned a new word today :) And I also found it's fun to say it when spoken in a dry British accent

    PS- I never used Bluetooth either ;)
     
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  10. dmapr

    dmapr Silver Senior Member
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  11. viewfly

    viewfly Mobile RF Advisor
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  12. viewfly

    viewfly Mobile RF Advisor
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    I read in another forum that most Europeans have NFC on a CC and its popular to use. But NFC in Android phones is not available to use for payments via Google Wallet.

    Must be distrust of Google.
     
  13. dmapr

    dmapr Silver Senior Member
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    I'm not sure whether the merchant networks distrust Google or Google itself decided to disable the Wallet outside the US.
     
  14. charlyee

    charlyee Ultimate Insanity
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    Google Wallet can only be used for online payment outside the U.S. In selected countries and the app is not available outside the U.S.

    I believe it is a Google decision.


    Sent from my iPad Air using Tapatalk
     
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  15. Yasaout3

    Yasaout3 New Member

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    Google Wallet,I find it well done, if it is not a fake
     
  16. viewfly

    viewfly Mobile RF Advisor
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    I used Apple Pay at T-Mobile. It worked quick and smooth again.
     
  17. Scrumhalf

    Scrumhalf Bronze Senior Member
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    Used Google Pay at Walgreens and Best Buy. Transaction was smooth as silk. However, I haven't yet encountered another store that accepts NFC payments. I love the technology, just wish the proliferation is more widespread.
     
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  18. JFB

    JFB Gold Senior Member
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    My understanding is that US credit cards are due to be replaced with cards with chips in them - like Europe has had for a while. Maybe that is what will push NFC to be more widespread.
     
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  19. dmapr

    dmapr Silver Senior Member
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    They are being replaced. Most of the issuers (with Capital One being a notable exception) have been sending out chipped cards this year. However, these chips are just like the ones on the SIM card, they have nothing to do with NFC. In Europe the cards that have NFC chips embedded as well are a lot more widespread.

    The subject of chipped credit cards (and how US cards are different from European cards, as well as why you still can't fill up your car at an unattended gas station or can't buy train tickets from an automated kiosk) is probably too big for a post here, but those curious to read up in more detail should head over to http://www.flyertalk.com/forum/cred...ilable-today-chip-pin-chip-signature-189.html when they have a few days to kill reading :)
     
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  20. JFB

    JFB Gold Senior Member
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    dmapr - Ah, thanks for the education(y)
     
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  21. dmapr

    dmapr Silver Senior Member
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    Sorry, didn't mean to sound like I was lecturing or anything, it's just that for me the problem of credit card use abroad has been a painful one, so I ended up studying the subject and it still pains me that US keeps staying behind :-(
     
  22. Scrumhalf

    Scrumhalf Bronze Senior Member
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    Thanks for posting that link. I'll be reading it when I get some spare time. Being in the computer industry where American ingenuity is an everyday fact, I guess I have a visceral reaction at being behind on techie stuff!
     
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  23. KevinJames

    KevinJames WA's 1st retired mod
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    Ya know, if it weren't for all the legal hassles, all the law-suits and counter-law-suits, all the hackers that want to bring us back to the 1800's, technology would actually be a sweet and wonderful things. But now it is just as much a horrid nightmare as it is a Utopian ideal.
     
  24. viewfly

    viewfly Mobile RF Advisor
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    I was able to fill my car up with gas at an unattended gas station in Canada with my BoA chip card. Used the chip and not the stripe. No signature required. Also was able to do the same at a fast food place. Other restaurants requir d the signature, but the chip was used. I think all this is changing.

    Also used the chip card in a German unattended train station


    Sent from my iPad using Tapatalk
     
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  25. JFB

    JFB Gold Senior Member
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    No, you didn't - genuine thanks for pointing out the distinctions.
     
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  26. dmapr

    dmapr Silver Senior Member
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    I had also been able to do that with my BofA card in France this spring, but it was more of an exception than the rule. Encountered quite a few places overall where my chip card worked, my friend's magstripe didn't. Found a few where the BofA didn't work in the kiosk, had to go to the clerk.
    Also, some places, like toll booths did not accept any American cards we tried (France). Worked in Spain though.
    So overall it's definitely better to have a chip-and-signature card than none at all.
    Viewfly, find out what your cash advance pin is if you don't know it yet. There are places where online pin verification is enabled and the BofA card supports it with the cash advance pin (undocumented). The transaction completes as a regular credit charge, not cash advance (in Europe for sure).
     
  27. dmapr

    dmapr Silver Senior Member
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    Glad to hear!

    Wow, the Tapatalk understands the time limit between posts :) Cool!
     
  28. viewfly

    viewfly Mobile RF Advisor
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    Nice link dmapr. Like you this has become a problem in the last 2 years.


    Sent from my iPad using Tapatalk
     
    #28 viewfly, Dec 17, 2014
    Last edited by a moderator: Dec 18, 2014

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