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Apple Pay transaction numbers still low overall

I think at the end of the day, it is up to the retailers to put in the new terminals, and many just don’t have enough incentive to do so for the costs that are involved. If customers aren’t demanding it, and banks aren’t pushing it, why spend the money replacing what already works?
To be honest, I’m still not sure why contactless payment has never really caught on in the U.S. in general – VISA PayWave and MasterCard PayPass have been normal things up here in Canada since around 2007, and we’re swimming in NFC payment terminals – I have a harder time finding a place that doesn’t take Apple Pay than one that does (small mom and pop shops and traditional sit-down restaurants are about the only places where you consistently won’t find it supported).
The same can be said of other technologies, such as chip and PIN. It wasn’t until Apple rolled out Apple Pay that I fully realized how far behind the U.S. is when it comes to electronic payments compared to the rest of the world.
At the end of the day, maybe it’s also just a factor of us having only six large banks in Canada, rather than the plethora of smaller ones found in the U.S. The banks get a lot more say up here in terms of what happens at retailers, and they usually sing from the same song sheet when it comes to security and payment methods, so if you’re a retailer and TD insists that you upgrade your terminal, you’re not going to get away with avoiding it simply by switching to another bank, so they know they can force retailers’ hands more readily.

Posted by Jesse Hollington on October 5, 2015 at 1:38 PM (CDT)

Apple Pay transaction numbers still low overall

“Double-digit” growth isn’t as impressive as it sounds when the numbers are tiny:  if people use Apple Pay in 5 transactions one month and 6 the next, that’s a 20% increase.
Every month, I see articles (on 9to5Mac) touting all the new banks that are on board with Apple Pay.  But never any articles talking about new merchants that support Apple Pay.  I love Apple Pay, but only a few stores I shop at accept it:  Panera, McDonalds, Walgreens, and maybe one other.
I’m frustrated and perplexed why Apple Pay hasn’t caught on:  It’s been out for a year, and many millions of people use iPhone models (6, 6+, 6S, 6S+) that support the feature.  Plus, 5S owners who have an Apple Watch (admittedly not a huge group, most likely) can use Apple Pay.
Maybe this will change.  This month, many retailers are updating their credit card payment terminals to support the new security chip embedded in credit cards.  One hopes that many will see the wisdom of opting for terminals that also support contactless pay, including Apple Pay.

Posted by RC on October 5, 2015 at 1:26 PM (CDT)

Apple Pay transaction numbers still low overall

I’m not sure what you mean. Apple Pay does just work over standard NFC-based contactless payments – I use it all the time up here in Canada (with a U.S. debit card, for now), and it works anywhere that MasterCard PayPass or VISA PayWave are accepted.
The problem is that in the U.S., contactless payment terminals are still extremely rare, so if a retailer can’t take contactless payments at all, than obviously Apple Pay is going to also be excluded.

Posted by Jesse Hollington on October 5, 2015 at 12:46 PM (CDT)

Apple Pay transaction numbers still low overall

Unless they allow integration with traditional NFC terminals using technologies found in other phones, paying with an iPhone will never be a hit.

Posted by WhiteShadow on October 5, 2015 at 12:37 PM (CDT)

Apple to open Apple TV's universal search API to more content providers

Searching is one thing, it’ll be interesting to see what you can actually initiate to play using Siri. Will the user be able to say ‘play season 3 of Doctor Who on Netflix’ or will that just work with video from iTunes?
Also, the ‘what did he just say’ feature. Is there an API for that, or is it something that works for iTunes rented or purchased video only?

Posted by benjitek on October 5, 2015 at 11:18 AM (CDT)

Zane Lowe unsure about future of Beats 1

This kind of misleading headline smells like over sensationalized click bait. More like this and I will stop clicking on your links. Please stop taking quotes out of context. He said it’s new, they want to make Beats 1 into something big enough that Apple Music does need it. So, they are trying to prove their worth. Far from the feeling given by the headline and summary. “When asked why Apple Music needed Beats 1, Lowe responded: “It’s a great question. I’m not sure that they do.” He said that while the station is “absolutely working right now,” it’s still “a work in progress, and overtime we’ll find out why Apple Music needs Beats 1.” He added: “I hope there’s a place for it, I feel right now there is.”

Posted by JDL on October 2, 2015 at 12:14 PM (CDT)

iPhone 6s more water-resistant than previous models

Apple probably wants to get it right before making any claims about water resistance.  They don’t want another Watergate ;-)

Posted by benjitek on October 2, 2015 at 11:08 AM (CDT)

Apple Pay coming to Canada by late October?

Yup, I’ve generally been having the same experience, although for the most part it’s worked every time as long as the terminals are working properly. I actually found using it on the Apple Watch to be more of a pain than pulling out my iPhone, as it’s trickier to play the wrist gymnastics to get it to meet up.
The only real problem I’ve had is that some merchants get a bit confused when I want to do a contactless payment over $100, since that’s the maximum for any physical card (some credit cards are even less). Picking up a prescription at Shoppers Drug Mart worked fine, but the pharmacist looked at the receipt, saw “Signature Required” and wasn’t quite sure what to do about it, so I signed it anyway. On the other hand, the LCBO was a problem as their terminals simply don’t allow contactless payment if the transaction is over $100 – it’s automatically limited to swipe/insert only – so I was stuck pulling out my card there when that happened.

Posted by Jesse Hollington on September 30, 2015 at 7:45 PM (CDT)

Apple Pay coming to Canada by late October?

Jesse, I could have written this post myself! I’ve been using my US TD card all over Canada and it works great nearly everywhere. Occasionally the first attempt fails but the second always succeeds—and it is still faster than even taking my TD card out of my wallet! It remains a mystery to me why Apple didn’t trial this in a country (preferably Canada) that has a majority of businesses with contactless payment systems than in the US, where they are still fairly rare. Maybe the banks in Canada are at fault on this one, but if Canada had gotten this first it would have pushed merchants and banks to get up to speed much more quickly. At least we were YEARS ahead on contactless and chip-and-PIN (EMV) cards.

Posted by chas_m on September 30, 2015 at 6:01 PM (CDT)

Apple Pay coming to Canada by late October?

Same here. I found it somewhat ironic that Apple Pay launched in a country where only 2% of merchants even support contactless payments, but Apple is a U.S. based company, and it was easier to get the U.S. banking system on board as well, probably—particularly compared to the Canadian system, which can be the poster-children of intransigence.
That said, I’ve been using Apple Pay up here since March with my TD Bank (U.S.) VISA Debit card (I opened a U.S. account a few years ago as part of TD’s cross-border banking program), and it’s been working great pretty much everywhere, with the only exceptions being places like Costco and No Frills, and that’s just only because they simply don’t take VISA, nothing to do with Apple Pay itself. It will be nice to see it expanded to official Canadian use, and I hope Interac Flash is on board out of the gate as well.

Posted by Jesse Hollington on September 30, 2015 at 2:50 PM (CDT)

Apple Pay coming to Canada by late October?

I’m so excited! I’m looking forward to it. It will be so convenient. It kinda sucks that Canada is always behind the US and it sucks that we had to wait more than one year for a selling feature Apple promoted in which Canadians could not even use.

Posted by Dale on September 30, 2015 at 2:28 PM (CDT)

A note on our iPhone 6s and iPhone 6s Plus case reviews

We already have many, many iPhone 6 case reviews in our database. Most new cases coming out now will be marketed as 6/6s cases or 6s cases.
In fact, in many instances, you’ll find companies simply adding “6s” to iPhone 6 cases which have already been released. We’re seeing that already. (We won’t be going back to check and see if all of these older cases now fit the iPhone 6s properly.)
There’s more concern about new cases fitting the larger “s” phones at this point than fitting the smaller iPhone 6 and iPhone 6 Plus (which should be easier to accommodate).

Posted by Phil Dzikiy on September 30, 2015 at 1:28 PM (CDT)

A note on our iPhone 6s and iPhone 6s Plus case reviews

Since there are considerably more iPhone 6 owners than 6s, and many of us do not plan to upgrade until iPhone 7, this does limit the usefulness of future case reviews on iLounge…

Posted by jib2 on September 30, 2015 at 1:00 PM (CDT)

A note on our iPhone 6s and iPhone 6s Plus case reviews

For what it’s worth, the Incipio NGP case for the 6+ (a personal favorite) fits my new 6S+ with a couple of exceptions:
Volume buttons aren’t as responsive.  The cutouts on the bottom do fully expose the ports, speaker/microphone—but they don’t line up as centered as the same case on the 6+
Oddly enough, when is on the 6+, the mute-switch cutout was slighter off-center (still fully functional) but on the 6S+ its centered…
I noticed Incipio has labeled all their 6 cases as 6/6S.

Posted by benjitek on September 30, 2015 at 11:19 AM (CDT)

iPhone 6s and iPhone 6s Plus: Unboxing + comparison gallery

Why do you care?

Posted by Piccolo Pepper on September 28, 2015 at 5:04 PM (CDT)

iPhone 6s and iPhone 6s Plus: Unboxing + comparison gallery

Who in their right mind would buy this rubbish!?!?

Posted by Donald on September 28, 2015 at 11:30 AM (CDT)

Apple patents thinner headphone plug

I cannot understand Apple’s obsession with thinness.

Posted by Lance Garvey on September 24, 2015 at 1:08 PM (CDT)

Apple patents thinner headphone plug

So a big selling point of the lightning port was that it was reversible. Now Apple is going to put in a port that can only be plugged in one orientation only? What is it with their obsession to do at all costs to shave a fraction of mm here and there?

Posted by kwong on September 24, 2015 at 9:10 AM (CDT)

Apple releases iOS 9 GM seed, first iOS 9.1 developer beta

How do I delete the ios 9.0 update?

Posted by Dennis on September 21, 2015 at 1:22 PM (CDT)

XcodeGhost malware infects hundreds of iOS and OS X apps

It should be mentioned somewhere in this info that if you didn’t download apps from the China version of the AppStore, then you’re fine.
While it’s good to circulate info that this can occur, it would be best to mention this occurrence is country-specific, in the headline and first paragraph.

Posted by benjitek on September 21, 2015 at 10:04 AM (CDT)

Apple releases iTunes 12.3

Where is the promised increase to 100,000 songs for ITunes Match? “Coming with IOS9,” they told us… but of course, it’s not here.

Posted by Cliff Biggers on September 17, 2015 at 11:50 PM (CDT)

iPad mini 4: Unboxing + comparison photos

The screen looks fantastic compared to my iPad mini 2, it’s like Whoa !

Posted by Stealth Diggers on September 17, 2015 at 3:51 PM (CDT)

Incipio acquires Incase

That’s a good pairing—both companies product lines look good, are well-made and functional in addition to being reasonably priced.
Samsonite’s Speck division has a strong competitor brewing—they have nice stuff too but unless on-sale, mostly overpriced :-)

Posted by benjitek on September 16, 2015 at 12:40 PM (CDT)

Cook hits funny and serious notes in Late Show appearance

Fair enough. While I cannot claim to know what it is like to be bullied over sexuality, I do have some experience being bullied for other things. Just having a funny name or an unwillingness to engage, can often trigger bad behavior from others. Invariably these damaged individuals will always find a victim, and should they not see an obvious trigger, well they will make one up.
The best revenge, as they say, is living well.

Posted by mscientist on September 16, 2015 at 11:02 AM (CDT)

Cook hits funny and serious notes in Late Show appearance

While I understand where you’re coming from, I think there’s still validity in people feeling that they’re not “weird” or “abnormal” for coming out, increasing their confidence and in turn giving bullies less power over them. While it doesn’t solve the bullying, it removes the sense of isolation that many bullies use to intimidate their victims.

Posted by Jesse Hollington on September 16, 2015 at 10:48 AM (CDT)

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