Also, don't need to unlock, just bringing close is all it takes, and impressively, it even works when the iPhone is turned off!

Yesh it's still simpler than pulling your phone out of your pocket, unless you always have your phone in hand.

Yes, simply mention that you're paying by card, and when the terminal is presented, just wave your Apple Pay.

Not really, Apple isn't taking money out of our pockets, their portion comes from the bank.

Data also reveals that Apple Pay strengthens card payment security and improves the payment process, which helps banks minimize fraud losses, bringing benefits to both banks and users.

Has anyone who uses Apple Pay ever paid more than someone who doesn't use Apple Pay?

You're contradicting yourself. You claimed that the bank transfers the cost to us, but if that were true, why wouldn't they just enable Apple Pay, knowing they could pass on the cost?

The reality is that they can't transfer the cost to customers, which is why some banks choose not to enable Apple Pay.

This post has been edited by Steve78: Aug 16 2024, 04:14 AM

Are you aware of how conflicting your argument is?

First, you said Apple is taking money from us, I countered that claim.

Then you shouted, "Bank will transfer the cost to us!" But when I pointed out the contradiction, you suddenly switched to discussing why banks won’t enable Apple Pay.

Each of your points might looks ok on its own, but together they don’t form a coherent argument.

You’re contradicting yourself with a series of inconsistent statements, one after another. You haven't addressed the questions that were raised but instead keep introducing new conflicting arguments, which lack consistent reasoning.

If you insist on calling this a "tax", despite there being no difference when someone pays with or without Apple Pay, then every mobile payment, card payment, e-wallet, and other non-cash transactions would also be subject to this "tax".

Do you think that payment solution providers are non-profit organizations? They all offer these solutions to generate profit ultimately.

This post has been edited by Steve78: Aug 20 2024, 07:32 PM

Again, you shifted the discussion to why banks might not enable Apple Pay, which isn't directly related to the "Apple tax" or your assertion that "Banks will pass the cost to us!". All digital payment methods, whether it's Android Pay, Samsung Pay, TouchnGo, GrabPay or else, involve fees since none of these payment solution providers operate as non-profit entities, they all have a financial motive behind offering these services.

If we are talking about bank acceptance, nearly all banks and credit unions in the US, about 80% in the UK and Australia, and over half in most developed countries support Apple Pay. This shows that most banks are willing to give up a small cut to Apple in exchange for enhanced security and a better payment experience for their customers. In return, Apple Pay users use more of the bank's services, creating a win-win scenario.

Your HSBC and SCB credit cards impose fees regardless of whether you use Apple Pay, so it's amusing that you'd come to such a conclusion.

If you’re not paying for the service, you are the service.

Why are you even bothering to reply here if you hate Apple so much? Just go back feeding your data to Google!