Why mobile payments are a mess | Bridget Breaks It Down
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- Опубликовано: 28 авг 2024
- Years after Apple Pay’s debut, we’re still fumbling with our wallets at many stores. CNET’s Bridget Carey explains the hurdles in getting mobile payments to catch on with retailers and customers.
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The non mention of Samsung Pay is laughable
*This was a paid Apple Pay advertisement.*
IT IS THE SAME AS APPLE PAY AND GOOGLE PAY.
Dhrumil Shah (Personal) it is not. It works on the mag strip as well
Xavier Robinson that's because it's thrown in the Android category so they see it as Google's, so yea
@@Surtistuff No it's not. You don't know what Samsung pay can do that Apple pay and Google pay can't.
I can't believe you didn't acknowledge Samsung pay
J 10 that's why she said it feels like a mess. I literally use mine everyday and people are still in awe. Some kid said my Note 8 is "wavy" yesterday lol
s3 frontier all i have to do is be close. Samsung pay has worked everywhere and yes still love ppl go wow.
Why would she?! Samsung is a load of shit anyway
I use Samsung Pay, and can use it at more places than Apple Pay...
Hector G. My bank currently doesn't offer mobile payment support for debit cards (Apple Pay, Google Pay, Samsung Pay), but I was told it is coming later this year.
In UK, we can pay with mobile phone everywhere, as long as your mobile phone has NFC. In Asia, it's kind of the norm now, and NFC payment is growing quite fast in Africa. I think the US is the only country not wanting to evolve, so do not generalise this.
Another thing:
Apple didn't introduce mobile payment, stop putting Apple pay in front when talking about mobile payment. Furthermore, what about Samsung pay?
Agreed. I told carry my wallet most of the time now when in the UK
The US is pretty backwards in most ways though, internet speeds, data cost etc
gregstus haha US internet speed have improve immensely over the past 5 years so no, not really an issue. Yes, data prices are shit.
Derek Decker at least from my experience the us speeds are still wayyyy lower than they are in Europe and Asia
Well, she mentioned in the video: Apple Pay is the biggest platform. It has 86M users compared to 34 for Samsung Pay and 24 for Android Pay ... So yes, technically Apple didn't invent the technology, but as usual they revolutionized it and massively sped up the adoption.
In the UK Apple Pay is pretty much supported and widely used everywhere
No mess here. Samsung pay works 99% of the time. I will allow for 1% just in case I have just not run into that store that does something really weird. I pull my phone out, swipe up with my finger already on the scanner, place it near the terminal and I am done. This was not the case with my iPhone. That is where there is a mess. I never knew when a store would accept Apple Pay. More often than not, they didn't. I suppose the same would hold true with Android Pay as well. With Samsung Pay, it doesn't matter. If they accept credit cards and use a machine to swipe, I can use Samsung Pay. They also have a nice little reward system for using it. Not as nice as when it first came out, but it's still nice.
Michael I'm sure it can happen. That's why I didn't say it worked 100% of the time. I've just been fortunate to not have any issues with it. It's always worked really well, but I've noticed that it's been a little quicker in the 6 months or so. I assume due to software improving. Even if you do run into a few issues it's still the best option for mobile payments.
That 1% is because some stores like Home Depot will not allow any mobile payment, I even had them cancel my transaction just to make me use my credit card, I did use it in the self check-out :)
From my research, it looks like rewards (like what Samsung does) are a big part of getting more people to use mobile wallets.
Scott E I'm sure that happens in other stores too. I think it's a lack of education related to mobile payments. I have used mine at Home Depot without issues so I don't think it's a company policy. I do get told "we don't do that here" on a regular basis. Then when the transaction goes through they look at me like I did some sort of magic trick. Lol.
The the issues is with USA not Apple Pay, not Android pay, not NFC, as they are still using their retarded old software which is installed on there computers they need to use terminals which are provided by the banks
What about Samsung Pay?
Samsung Pay works literally everywhere, and in any country/area where credit cards are accepted. The only issue I've ever had is having to tap it twice (looking at you Starbucks)!
Well you pretty much only swipe your card in the US and maybe canada.Most of the european countrys have moved to the way more secure EMV Chip
"I dont think that's gonna work"
[BEEP]
"Oh wow"
-samsung pay
Samsung pay doesn’t require dedicared hardware, and it works pretty well
Samsung pay is only relevant in the US. In other countries, the swipe feature is disabled on most terminals. In other countries NFC technology is already enabled and has been enabled for years, which is why no one uses Samsung Pay outside of the US. Once merchants in the US enable tap, Samsung Pay will be over. Google Pay and Apple Pay will take over.
Singin Girand stop with same it's only used in the US. You sound like a broken record. I use Samsung Pay and like everyone else it work where Apple and Google Pay doesn't. So please stop with same comments
scottie Nixon Samsung pay is irrelevant outside of the us and that’s the truth
Singin Girand are you sure? Samsung Pay works thru old swipe-only terminal to the latest NFC enabled terminals. That's the advantage of Samsung Pay.
Yes it is the advantage, but it is only applicable for the USA, and not for long. Other countries have moved to EMV chip payments years ago and we're all using NFC. the us has started the conversion and once conversion completes, samsung pay will be irrelevant.
I forgot my wallet at home on a couple of quick trips around my neighborhood and was so happy to have places that accepted Google pay. I love mobile payments.
Samsung pay works damn near everywhere
ín sweden?
yup
brukar inte ens ha med mig mitt kort längre
Samsung pay is only relevant in the US. In other countries, the swipe feature is disabled on most terminals. In other countries NFC technology is already enabled and has been enabled for years, which is why no one uses Samsung Pay outside of the US. Once merchants in the US enable tap, Samsung Pay will be over. Google Pay and Apple Pay will take over.
Singin Girand I can't swipe my card here in sweden but the card emulation thing still works fine..
I've been using Apple Pay for a couple of years don't use my card much anymore.
what happened if your iphone runs of out battery, or at 2% battery but you needed to pay for something soon?
cococly Never been in that situation and I have my physical wallet anyway just Apple Pay is faster.
East coast us has been very slow to get nfc
Brett Domenick
Unfortunately that’s true.
Brett Domenick good to know....I'm a new yorker out here in colorado.....its everywhere
Samsung Pay works 99% of the time for me, I'm in Atlanta btw. Even at Gas station with the blank Credit Card trick (driver's license). I only carry my phone and ID out of the house nowadays!
China has way ahead in ecommerce and epayment. Literally can only bring phone without a wallet.
Same in Europe (or at least in the UK France and Spain)
Big brother
Rianto Wirar China is way too corrupted, they literally steal people's money.
Not a fan of paying by QR Codes but it works for the people there so great
Apple Pay is so convenient, I just wish more places implemented it. I had my credit information stolen twice by swiping my card.
I forgot my credit card at a pub last week. And until I can get there I use Samsung Pay on my Gear S3. Also because my card is on the watch and I lock it with a pin I don't have to sign when I use my US cards in London where everything is tap to pay or chip and pin.
London has it so much better. It's crazy (and pathetic) that we don't have chip and pin in the US.
PS: One reason London has it better, because their London Underground public transit has been taking contactless payments, and banks offer more tap-to-pay credit cards with NFC, so more merchants take NFC payments. The transit system really pushed other places around it to upgrade faster. In New York, it'll be a few more years before we get that tap-to-pay upgrade.
Bridget Carey I think to help push it through this month TFL rides are free on Mondays if you use Samsung Pay with a MasterCard. They did something similar with Apple pay a last year or the year before.
Bridget Carey it's not just London it's the whole of the UK the only places in the UK where it wouldn't be accepted would be your local small shops
The retailers are thinking backwards. We actually need less apps on our phones, not more. I have so many apps for food places now that I fumble to find when I need it. Let’s face it, they need to upgrade to Apple and Android payment platforms.
That's what folders are for
It’s all about Bridget
I only use Samsung, I know people who have apple and they don't use it
Jarrod Hollie You’re just tech savvy. Some people just don’t care.
Samsung pay for like 95% of my outdoor payments.
jose santos not for me, have to reset my phone to get the Samsung pay to work.
shahid mirza For me it says put my finger print for Samsung pay and never lets me threw without updating it.
Send Samsung an email or feedback. Takes a day max to reply. Have the s8 and not a single problem with payments.
Right, and the businesses don't need to buy more products
Samsung pay is only relevant in the US. In other countries, the swipe feature is disabled on most terminals. In other countries NFC technology is already enabled and has been enabled for years, which is why no one uses Samsung Pay outside of the US. Once merchants in the US enable tap, Samsung Pay will be over. Google Pay and Apple Pay will take over.
Only Samsung pay
Bridget Carey start ur own RUclips channel!!! Ur amazing
You did not even talk about Samsung Pay. Its the best Mobile Payment service and works everywhere.
In the uk, Apple Pay works almost everywhere and we don’t use signatures normally anyways
I use Apple Pay whenever I can. I would love to just carry my phone and license with me but how things are going I don’t see that happening. Dear retailers just start accepting NFC payments and stop making you own apps!
In Australia Google pay and Apple pay just works because tap to pay chip cards has been around for nearly a decade. It's your banks they should have just put the chip in all cards and your pay terminals shouldn't be business implemented. Our banks supply the machines so they upgrade the as required.
Yeah NA is slow as usual to adopt
Samsung pay is my favorite. I can use it almost everywhere. Can't use it at gas pumps or ATM but almost everywhere else and with the Gear S3 it makes it even easier
I find it interesting that the US hasn't had a major contactless payment roll-out like what we've had in the UK. Almost anywhere now accepts contactless meaning that Google Pay and Apple Pay work in just about every shop. The only place I've found to not have contactless where I live is the cinema. The only problem is that there's a £30 limit (although some shops allow more with Apple Pay). I don't often take my wallet with my because I've never had a problem using Google Pay.
I didn't need my wallet at Disney World on a vacation this week -- tapped to pay with everything with my wristband and a pin number. It was great living in the future.
I try to use ApplePay whenever I can because of how much quicker it is compared to most chip readers, especially after I got an Apple Watch. Double click tap is the most convenient thing ever
Except it doesn't work anywhere here in the US
drsnowmon that’s not true. It works at a lot of places. Of course depends on where you live since USA is so big.
Samsung pay is by far the best
It works everywhere
Prabhjot Lidhar And it works at the same places with Apple Pay and Google Pay
It works in more places than AP and GP
@@yurig2530
I haven't found a place yet that doesn't take Google Pay. I've been using it for 5 months (June)
@@289cobra9 Bed Bath and Beyond, Lowes, Home Depot, CVS, Walmart, Target, USPS, Dollar Tree to name a few.
@@yurig2530 lol and I used Samsung Pay dam near all these places😂
It's possible to go months without a wallet... In South Korea.
Samsung pay is accepted everywhere
I have a gas station near my house that takes Apple Pay and I LOVE it there. So easy just hop out with my watch tap to pay enter zip and done. So much better than losing my card every time I get gas...
Comments section warning ⚠️ everyone whining about how she didn’t mention Samsung pay.
Calvin Schmeichel because Samsung pay is way better..
big Hube the point of the video was not to decide what payment method is the best. She was addressing how certain stores only take cash or only credit or only 1 payment method...
I can't believe I just watched a 5 min video about "mobile payments" and you didn't mention Samsung Pay like it doesn't even exist.
That's accepted everywhere. No matter how old the payment terminal is, Samsung Pay have always worked for me. Every single time!
You don't even have to sign or put the credit card zipcode in the payment terminal! Fastest way to pay!
Google Pay wherever it's accepted
Before Apple Pay, Google Wallet was Google Wallet. After Apple Pay launched, Google Wallet split into Google Wallet and Android Pay. Later on, Android Pay and Google Wallet merged back into each other to create Google Pay.
Did someone say "standardization"?
Here in the UK, 90% of stores support Apple Pay or Android/Samsung Pay, I rarely bring my wallet out anymore.
I actually use cash the majority of the time. Unless something exceeds ~$150, it’s cash. Otherwise, it’s debit against my checking account.
I see you spelling "BOOBIES" upside down on the calculator. Classic.
A politician in Philadelphia got mad at Sweetgreen for having cashless transactions. It's the same politician that put a sugar tax on soft drinks. Government should not dictate what private businesses handle payments as new forms of payment solutions are coming out.
"Swiping a card" lol. Chip and pin happened about 12 years ago in the UK
I feel inconvenienced by places that still ask for my credit card. It’s literally so annoying. Whataburger, Taco Cabana, Baskin-Robbins, Macy’s, Best Buy, McDonalds, my local bakery for tortillas, and Culebra Meat Market all accept Apple Pay. Chili’s, Valero, GameStop, ThinkGeek, JCPenney too. I can literally go weeks without carrying a card around. Whole Foods and Walgreens also support it so I can even go for my medicine without making a trip back home if I didn’t bring the right card or buy groceries. For other stuff I still manage to use my phone for payments like reloading Starbucks and buying movie tickets with Apple Pay. Digital Payments are way more convenient, and I always get a digital receipt I’ll never lose. I hate everything about carrying my real wallet. I admit I use Walmart Pay too because Apple Pay doesn’t cover the whole field. Still 1 extra app does not mean the end of the world. I just don’t bother with some places though bc it isn’t worth the trip back home to fetch my card. I’m pretty happy that 2/3 vending machines in my area also support Apple Pay even though I think they are a huge ripoff. Gotta say there’s something about buying anything on the internet with ease bc my phone has all the details. And to those skeptics...I’ve never been hacked bc I use Apple Pay in the sense that they copied my phones data. Some stuff on the internet isn’t credible and my phone gets more security updates than the dead plastic that is my credit card. Not to say it isn’t possible I mean most things are digital anyhow so someone intercepting is just a given, but same goes for cash
In India mobile payments are still struggling. We don't have infrastructure for Apple Pay and most of the shops still not accepting mobile payments. We are still on credit or debit card.
In the UK Google and Apple pay work literally everywhere, market stands, little stores, the lot. I have literally no need to carry a wallet.
Sponsored by APPLE PAY
Samsung pay is way ahead of apple duhhh
For any businesses that may see this comment, I just want you to know that there have been times that I have forgotten my wallet realizing its gone at checkout, but those businesses that accepted mobile/nfc payments such as Apple Pay, Google Pay, etc didn't lose out on my business that day because I could still use my phone. Those companies and stores that did not accept my phone unfortunately didn't make any sale with me those times. Please stop being so stubborn about accepting mobile payments, you are losing potential business over it and NO we don't want yet another app to open for just YOUR store, we hate that. Just let us tap our phones and be done. Anyone else ever saved by being able to pay with your phone when your wallet's gone missing??
China uses Alipay or Wechat.
Samsung Pay works everywhere in Brazil. Maybe you´re a mess!
This is primarily U.S based. The problem with mobile payments in the U.S is that you stuck to swiping and chips are just becoming a thing. In Australia we've had the chip and tap for years so Google Pay works everywhere for me.
Come to Canada. I use it literally everywhere. A lot of times I leave my wallet at home and just use my phone. Seriously, America needs to update.
Haven’t used a wallet in years now. It’s either Apply pay of Google Pay with both of my phones, if the place doesn’t accept either one I ask why and most of the times it’s an education problem that I hear. If i’m having to teach the person behind the counter about what is going on in payments then why do I need a person there at all.
can watch Bridget play Jenga all day, but I am not sure using Jenga helps explain the falling apart point better. She could break a piece of cookie or sugar cube and it means falling apart.
I find it moronic that every single time I pay using Samsung Pay with my GearS3 at a non NFC accepting terminal, the cashiers always ask "Is that an Apple watch?" Thanks Bridget, for your contribution to people's everlasting ignorance.
I’ve only ever been to one gas station that takes NFC payments. I feel like that’s the most convenient place to put them and yet you never see that
Seeing lots of comments about how Samsung Pay works in most places, and yes, that's true! (Well, at least in the US.) That's because it's a totally different technology than NFC. Samsung Pay is sending the credit card data directly to the terminal swipe slot using an electromagnetic field, so the machine thinks you just swiped a card, unlike NFC where the store needs to turn on the contactless technology. To the folks complaining about me not mentioning Samsung in the video -- duuuuudes I'm just talking about how payments *in general* are all over the place and confusing for consumers because everyone is using something different. I think Samsung folks have the advantage here, but when there's talk about NFC payments being the future, and Samsung has to use a different technology to work around the problem of not all stores taking NFC, clearly this is still a muddled space.
She didn’t acknowledge Samsung pay because she already stated in the video Apple Pay is the most used mobile payment option
In my opinion to be honest, mobile payments are really not a mess at all. If you are using and NFC-based payment, all you have to do is look somewhere on the merchant's credit/debit card machine for the contactless symbol and and the one green light on and you are good to go. If you have Samsung pay, it...just works! That's all there is to it.
And also, did she really put her card in a bowl of dip?
I use Samsung Pay on my Gear S3 and Galaxy S6 and it works everywhere that gives me access to the card reader. There are still some places that keep the card reader behind the register so I have to hand them the card. The only drawback to mobile payments and a reason I still carry my Credit Cards on me is Battery Life, if I have a low battery it turns off NFC and I never want to get stuck because my battery is low or dead.
when i use Galaxy S8, i dont need wallet. but when i switch to ipx i need wallet because some other retailer doesnt accept apple pay
I don’t bring my wallet anywhere Apple Pay all the way in Toronto every major business accepts Apple Pay
Here in Canada we got tap/NFC on all credit/debit cards years ago. Because of this almost all stores accept Apple/Google pay because the terminals already have NFC. Most places here don’t let you swipe your card it only lets you chip or tap.
Not everyone has an iPhone. iPhones are expensive. It is also expensive on the merchant side to have multiple payment options because of the fees and installation costs.
No mention of Samsung pay which works at virtually any credit card machine seems like kind of a fail or someone at CNET didn't do their homework.
I live at Hong Kong, I used Google Pay and Octopus Card payment app to recheck my travel card.
tap and go payments have been used in Australia for quite some time, mobile payments are just starting to take off, however it would be more widely used if your Banks could get on board with Apple. Also it’s now starting to become the norm in Australia where merchants are imposing a minimum spend amount, so it still forces you to carry cash! I refuse to go anywhere that has a minimum spend for card/tap/mobile payments.
I would like to pay with my phone but living in a small town they have old terminals and I just end up using my card or cash
Have you researched Samsung Pay at all? All places that accept Apple Pay also accept Samsung Pay AND Samsung Pay works with most old school registers. No upgrade needed in stores. It also works with Smart watches.
I recently tested a mobile wallet device (a fob that works with NFC or mag-stripe readers) and it was so convenient and fast (and more secure) compared to credit cards that I set up Google Pay after the test period was over and the test device was decommissioned.
I set up Google Pay in October 2018, and I've only been using it for a couple of weeks. It's really cool, but I do wish more places accepted it.
I have just now set up Samsung Pay, because it works with the mag-stripe reader, so it should work at more places for me, including my grocery store that only takes debit (more fraud risk), no credit. I'm looking forward to trying that one out, plus the rewards system looks cool.
The one area where the phone-based payment system struggle, however, is at places like restaurants where you normally hand your card over and they take it away. In that way, smart credit cards or even the fob I tested are superior.
How they say: don't like it don't use it. Stop criticising other. Invent something by yourself.
I love Apple Pay. It launched half a year ago in Finland, where I live, and it works everywhere where cards are accepted.
Such a first world problem. My country (Philippines) still doesn’t even have 1 bank that supports mobile payments without using a third party app even after 4 years since the announcement of apple pay and samsung pay
Which is better Samsung Pay or Google Pay?
Not all banks work with Apple Pay and Samsung pay. There’s only 2 banks in my city that accepts them and they’re banks I don’t want to use
You know what solve all of these issues, hard cold cash. Its secure and you dont have to worry about not being accepted
Ever since I got my bank account, I have used Apple Pay in the UK. I never use my card and only Apple Pay
So glad in the UK you can use Apple Pay almost everywhere. The only reason I carry my card, is because I’m used to it. But the only time I’ve ever put my card in a machine, was when I needed to take cash out ...
Creditcard companies should make accepting NFC payments mandatory in USA. I'm pretty sure stores would not wanna lose cards customers.
The US always seems to be far behind with this stuff. In Canada we switched from swiping to inserting the pin over a decade ago since the government mandated all card readers support it. Meanwhile America is so afraid of regulation that you are taking years to catch up with technology the rest of the world has been using for a long time. I don't carry cards with me anymore since it's far less secure than mobile payments, and it's very rare that stores or restaurants don't support tap to pay.
Outside the US, mobile payments in Thailand is also absolute mess. A lot of payment option, few of them that I used.
For me, I prefer Samsung Pay than others because of magnetic strip reader support. For mobile wallet, I trust no one. I don’t think they are all safe and also, it is extremely hard to transfer money back to your wallet, like micro transactions.
I believe in cashless society, but, for now, few companies gain my trust.
Yeah, I can’t believe how far behind the US is compared to the rest of the world. The video said it best. Everyone is trying to get a piece of the mobile payment system instead of a unified one. Only way to solve would be to legislate, but we all know that isn’t going to happen because that would be secure and consumer friendly.
Only reason I still carry around my wallet is for my state ID, voter's card, medical insurance card, and library card. I only have to carry around my debit card because my phone does not have NFC. The rest of my cards (mainly loyalty) I have loaded onto Google Pay and have a very good experience using it. I have not been to a single place yet outside of small businesses that don't work when I use some form of mobile payment.
Samsung pay is accepted more places and with the points you get from buying everyday things. I get so much free stuff it's crazy. Free headphones, over 50 dollars in AMC tickets, best buy gift cards, etc.
Samsung pay works at old swipe credit machines, people tell me, they don't accept mobile pay, I tell them no worries, then done. They get surprised by it.
I use my Samsung pay every where. It doesn’t require NFC and Samsung give you reward points which later can be redeemed. The phone emits a magnetic signal that simulates the magnetic strip found on the back of a credit or debit card.
Why didn't they call this video "Why Apple payments are a mess" or "NFC payments". It is funny how she never says anything about Samsung Pay which is amazing and way faster then using the chip reader.
you need a payment system like UPI in India. Any app you use will have one procedure and you can use google pay to pay anyone using any other app in the world. like any debit card is accepted in any ATM machine.
Samsung pay work better
What about Samsung Pay?
You can pay with Samsung Pay in the 99.99999% of the places, 65% better than Apple Pay
I think you forgot to mention the QR payment method.
This is a problem proprietary payment systems. I have used both Samsung pay and Apple Pay. Both work equally great w updated nfc readers! But Apple nor Samsung or google should be having separate solutions for this. It’s like google money that only works with the right devices. It’s almost like their own currencies. Money is money and should be usable everywhere. In Sweden, where incidentally Samsung pay came first by 6 months or so,the banks joined forces and created Swish, a payment app for transferring money to cell phone numbers or corporate swish numbers and the app is available for all mobile platforms, even Windows Mobile. Business can accept Swish by connecting the service to their bank account regardless of bank and just post a QR code by the register for the customers to scan. A better less divided system that does not require special hardware for the vendor. Mobile payment done right.
Mobile payments have only recently started growing in South Africa, and yes it does come down to a trust issue. However we have limited apps that we use for payment using QR codes to pay. There is only 2 major apps and they integrate with all banking systems. It’s becoming more popular and in big metropolitan areas merchants mostly encourage users to pay using the App system. It safer and WAY more convenient than carrying a wallet. Some bigger merchants are adopting NFC payments but not all banks are on board because of security reasons. I don’t see Apple pay or Google Wallet coming to South Africa anytime soon!
OT: Bridget is so cute.
Michael what videos was she on when she was preggo?
I am an avid user of Samsung Pay on my S9+! I have the added benefit of MST, but I find I still need some cash for like a concession stand or my card for when my phone fails.
Honestly Apple Pay with my watch has been amazing for me
Custom apps for payments are idiotic! Makes me so angry that even Wal-Mart and Target don’t accept Apple Pay. Who wants to manage an app for every store they walk into. Might make sense for custom coffee, for instance, but leave the payments to the quick and easy Apple Pay. When I use my target app to pay it takes even longer than using wallet, I mean, what the hell target!
Samsung Pay! Maybe the issue is that reputable news outlets are not letting consumers know about the BEST mobile payment system. Samsung Pay works at CVS (and others) even though they block Apple and Google Pay.
We should be striving to move away from fiat currencies, so new tech that disrupts the old order and decentralizes should be encouraged as much as possible.
I use Samsung Pay... It not only is accepted where NFC is accepted but I use it on old systems as well. I don't carry my wallet anymore. Just use my phone. I am surprised you didn't talk about Samsung Pay.
"If you order a coffee, we can give you a precise temperature.....(then using location data which you agreed to provide downloading our lameass app, hammer you with 5 annoying emails per day of specials for the store which you are nearest)". What a joke of a gimmick.