Grocery Store Use

The problem right now is that merchants' systems still see it as a credit card payment. If their system says that they need a signature or to show ID over a certain dollar amount, the system prompts the cashier regardless of it being a card swipe or a mobile payment. Merchants will need to change their systems for it to not ask for this information and that the fingerprint or passcode is just as good (or better) than a signature. Mobile payments still have a long way to go before they become mainstream.

Merchants only need to accept contactless payments to call themselves Apple Pay ready. While it appears that Apple has worked directly with some major merchants to get them to accept Apple Pay, I don't believe there is any formal acceptance agreement between the merchants and Apple. Card issuers on the other hand need to establish an agreement with Apple since Apple (reportedly) gets a small percentage of the transaction from the card issuer.

I've seen this with Wegmans in New York. I use Apple Pay every chance I get at Wegmans (and other places) and anything over $50 I sign for.

The limit requiring signature is controlled by the merchant and their banking institution. Basically it boils down to the merchant's liability for fraudulent charges.

A late reply.. I have been using Apple Pay at Shaws with no issue, until today. The charge was over $50 so they asked me to enter a pin or transaction code or something. At other non-Shaws stores I end up signing something. I had no idea what they were asking for, and they didn't either - they were just reading from a piece of paper. So I had them cancel the transaction and I used used a credit card.

I had exactly the same problem at my neighborhood Shaw's with an AMEX card on Apple Pay. I (used to) shop there several times a week.

Why did this make me so angry? Mostly because it was completely unexpected. The first time I'd heard of it was in the checkout line with a half-dozen people behind me. I had no idea what PIN they wanted or how to find it. I certainly didn't want to turn over my iPhone to the bagger.

Complaint sent to Apple feedback. Getting ready to call Shaw's corporate.

I had this happen too, not only did they want a signature which is fine but they wanted the last four digits of the device ID which took quite a while to figure out. This is not the last four digits of the card you were using with Apple Pay, but if you go into the wallet application and under the information for the card you are using scroll to the bottom where is displays the last four digits of the card number and below that the last four digits of the 'Device Account Number' and it was the later they needed to finish the transaction.

I found the whole experience very frustrating and it took a long while to figure out what they wanted. I think Shaws needs to get their act together.

The same thing happened to me at Albertson's grocery store. Now I know what number they are actually looking for...the employees do NOT understand what to ask for, so they are punching in the last 4 digits of the card. It doesn't take the number and you end up running your physical card for the charge. WE, as Applepay users need to understand they 'mean' to ask for the Device Account Number. And yes, if you go into the wallet, and see your card, look at the bottom of the screen on your phone. You will see the i with a circle around it, tap it. Scroll down to Device Account Number. It is 4 digits. This is the number the store is actually asking for. It appears to be a security measure? Now the trick is to remember what to do when the line is piling up behind you with people rolling their eyes waiting for you to pay and get out of their way!:)

I just had the same experience at Shaws and it was extremely frustrating. After reading your post I just looked at my phone - at this moment the "Device Account Number" is just "..." with no number. Do you think this activates when you are actually making a purchase? Or is this something I'm supposed to be able to see all the time.

I hate going to this store anyway and this made me even more frustrated. I use Apple Pay at Whole foods for purchases even over $200 and have never been asked for this.

is this number always visible, or does it only show up when you are making a purchase? on my phone I just see the "..." and I don't see the number. I doesn't do anything when I touch it.

The DAN (5 digits for an Amex Card, 4 digits for all others) should always be visible when you touch the info button (i in a circle) for the card in Pasbook/Wallet.

If you use either the Zoom or Larger Text options under Settings/General/Accessibility, that may prevent the value from showing properly.

that's not what they were asking for, i think they needed the "device account number" which I didn't know about until i started reading these posts.

DAN = Device Account Number

The trailing digits (5 for Amex, 4 for others) of the DAN should always be visible. If you can't see it, it may be due to Accessibility settings as I noted previously.

just today, 3/14/16, Shaws insisted on not only me telling them the 4 digit DAN (which I previously just told them), but seeing the DAN in the app on the phone. Is there any point in that ???

If I were you I’d would tell the merchant to go pound salt and take your business elsewhere. There is no reason for them to be doing this. They clearly don’t understand how NFC payments work and don’t trust you the customer.