REPLY: 2:460/256 0000039a   
   MSGID: 1:229/664 662a4a92   
   CHRS: LATIN-1 2   
   TZUTC: -0400   
   TID: hpt/lnx 1.9 2024-03-02   
   On Thursday April 25 2024, Aug said the following...   
      
    Au> What are your thoughts on using Google Pay or Apple Pay with your   
    Au> phones? As a retailer I'm finding an increasing choice by customers to   
    Au> use the NFC (near field communications) feature on their phones and   
    Au> using the google or Apple version to make payments.   
      
   I've been using my Apple Watch for NFC payments for a few years.  It's already   
   on my wrist and I just need to double tap a button to bring up my debit card.    
   Every now & then I'll encounter a place that doesn't have tap (or   
   interestingly at one restaurant, tap works for credit cards but not debit   
   cards) and need to use my actual card with chip & pin.   
      
   I remember one of the first times I used my watch to pay, it was at a grocery   
   store with this little old lady at the cash register.  I tapped my watch and   
   she looked so confused, the receipt popped out and she asked "did you just   
   hack my terminal?"   
      
   Another time more recently, I was buying cat food & a much younger girl was   
   scanning my purchases.  I used my watch to pay again and she was like "Wait!    
   Did you just use your watch to pay!?  Can you show me how to do that!?".  She   
   had an Apple watch on as well and usually used her phone to pay, not knowing   
   she could also use her watch.  There was no one else in line behind me so I   
   showed her how to add her cards to her watch.   
      
   What I like about using Apple Pay is when I add my debit card to my phone or   
   my watch a new virtual card number is generated for that card/device   
   combination.  The card number on my phone is different than the one on my   
   watch, so I can pay without exposing my physical card number.  Apple Pay also   
   uses "transaction-specific dynamic security codes" which can help protect   
   against someone capturing that information to use again (card skimming).   
      
      
   Jay   
      
   ... I stayed up all night to see where the sun went. Then it dawned on me   
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