Apple Pay and Android Pay now work with Desjardins Mastercards

Comments

  • basesloadedwalk

    Where are you TD and RBC? Embrace the future or get out of the way!

    • ciderrules

      They both already support Apple Pay.

    • Brad Fortin

      Google (and Samsung) really need to work on expanding their supported banks.

    • danbob333

      From what I understand, the banks must forfeit something like 0.15% of the transaction cost, out of the 2-4% commission they charge to the merchant in order to be on Apple or Android Pay.

      So unless they are losing customers for not having this feature, they are better not to offer it and keep the full 2-4% commission.

    • basesloadedwalk

      Actually, unlike the want to be world dominating apple, google pay doesn’t charge the banks any transaction fee.

    • 🇦🇺Marshall

      Fact. For this very reason, major bank support for Apple Pay where I am is disgraceful. Not even worth bothering with.

    • thereasoner

      I still have yet to see anyone pay for something with their phone. From what I’ve read the user uptake and use of the varoius Mobile Payment options is very slow.

      Personally, I just set up the TD Mobile Payment app/widget from my bank on my phone as a backup. If I ever was to use a Mobile Payment service I’d just use it, after all, why introduce a 3rd party to my transactions if I don’t have to?

    • 🇦🇺Marshall

      Each to their own I suppose. The only reason I’ve had to get a card out of my wallet recently is for when a merchant’s terminal is acting up.

    • basesloadedwalk

      Does your home phone still have a rotary dial? This is 2017. I see lots of people use their mobile app. A lot of places even let you place an order ahead of time using a mobile app, such as Tim Hortons, Starbucks, and McDonalds. This is the payment of the future. That being said, I still do like to use cash for small purchases. Nothing is faster and more private than cash.

    • thereasoner

      I don’t do home phone but there are some cool retro old school dial phones available for use for those that like them still .

      I’ve tried to use Tim Hortons but found that I had to load it with cash first but I like the idea of ordering ahead though…just not enough to load up an app.

    • John Lofwire

      Funny my Android pay is as accepted as your apple pay all around.
      With much more ppl using android device instead of iphone that mean lots lots of customers.

      The only disgraceful thing i see is apple troll.

    • 🇦🇺Marshall

      Erm, yes… you’ll find that’s actually what I said if you’d like to try reading it again…

    • John Lofwire

      Let me be clear. There is much more Android device with Android pay support than iPhone with apple pay (market share) so if some bank are not playing ball it’s them that will loose clients to bank that do.

      So in the long run if you don’t support Android you are shooting yourself in the foot.

      BTW quick on the edit trigger you are.

    • Brad Fortin

      Then it makes even less sense that more banks haven’t adopted it yet. Surely they’d want to back the payment service that loses them the least revenue?

    • ciderrules

      They would very likely save that in fraud reduction. You can’t have your card “skimmed” through Apple Pay (or Samsung/Android Pay).

    • thereasoner

      Android users can use the TD Mobile Payment app/widget so there’s no need to introduce a 3rd party to your transactions. Apple won’t allow banks to compete with Apple Pay so bank mobile payment services aren’t available to iPhone users.

    • Do u just hit copy and paste for pretty much every comment? U seem to be that of a spamming troll. Let the ppl have options to choose whether or not they would like to use the crappy TD mobile payment option or Android Pay/Apple Pay. Ppl like choices.

    • ciderrules

      Nice spin. It has nothing to do with Apple not “allowing banks to compete”. Apple doesn’t allow developers NFC access for security reasons. It also prevents people from using an iPhone as a skinner and reading other people’s cards (like on a train).

    • thereasoner

      Talk about spin, lmao!

    • 🇦🇺Marshall

      Nail down, push into a corner and imprison. Apple SOP.

    • danbob333

      the weak part of the credit card is the stripe

      chip + pin frauds are a non-issue.

    • thereasoner

      Android Pay costs them nothing but they’d still prefer you use their own Mobile Payment options. There’s no good reason to introduce a 3rd party service to your transactions unless some worthwhile incentives are offered.

    • John Lofwire

      And i recommend customers of those bank to switch to another bank.

    • ciderrules

      With iOS dominating all things related to revenues and purchasing, where’s the incentive for banks (especially smaller local ones) to support an alternative?

    • Brad Fortin

      Come to think of it, there’s probably more iOS devices in Canada capable of Apple Pay than Android devices capable of Samsung Pay or Android Pay. Not to mention the previous failed mobile payment methods on Android that have probably discouraged users from trying new mobile payment methods, like the kinds that required a special SIM card, or an app that produces a QR code, etc.

    • thereasoner

      I just have TD Mobile Payment app/widget for back up purposes. It just as fast, easy and secure as the rest. It just lacks debit support but atleast it doesn’t introduce a 3rd party to my transactions.

    • Brad Fortin

      Maybe not as fast as Apple Pay: Put your finger on TouchID and put your phone up to the reader, that’s it. Don’t even have to unlock or even wake the screen.

    • thereasoner

      The only difference is tapping the widget after the fingerprint and it’s insignificant to say the least.

      Btw, it’s been said that Apple is phasing out Touch ID. You’ll now have to press the power button and aim the phone at your face within a distance 10-20 inches before you can hold it over the payment terminal… or just let your 10 year old kid do it 😉

    • Brad Fortin

      I don’t consider the time difference insignificant at all, as I’ve had both Android’s mobile payment apps and Apple Pay and find the latter to be more than twice as fast.

      Press the side button twice, FaceID authenticates as the screen wakes and switches to Apple Pay, and you can tap it on the terminal just as quickly as Apple Pay with TouchID. Or just double-press the side button on an Apple Watch and tap it on the terminal. Both are significantly faster than unlocking the phone, finding the payment app (especially if you didn’t lock your phone on the exact home screen with the app icon or widget), and then paying. FaceID also works with winter gloves on. 😉

    • thereasoner

      “I don’t consider the time difference insignificant at all, as I’ve had both Android’s mobile payment apps and Apple Pay and find the latter to be more than twice as fast.”

      Sorry, I’m not going to bother reading past this ridiculous nonsense… whatever it takes to help you feel better about your choice I guess.

    • thereasoner

      It not about working on it, TD has already said they have no plans to implement it because Android users have the option to use their own bank mobile payment service… unlike iPhone users who’s banks mobile payment service is blocked from competing with Apple Pay.

    • Brad Fortin

      How does the user experience for TD’s app compare to Android Pay? I remember using RBC’s app when I had my S8 but it was garbage compared to Android Pay or Apple Pay. Plus if you have more than one bank you use on a regular basis you’ll have to switch between bank apps fairly often rather than just using a single app.

    • thereasoner

      I haven’t tried RBC. If it’s anything like TD then you simply unlock with fingerprint and tap the widget for a 30 second payment window. If I had RBC then “switching” would only require me to tap their widget instead I’m thinking so no big deal.

      The speed and security are the same among all mobile payment systems. Where TD’s app comes up short is in the lack of debit card support but with many people using credit cards for points/promotions etc anyways I don’t see it as much of a deterrent. Besides, I don’t have to needlessly introduce a 3rd party to my transactions.

    • thereasoner

      They have no choice. The banks mobile payment app/widget is blocked on iphones. Android users can opt to not use a 3rd party mobile payment service and just use the one from their bank instead.

    • basesloadedwalk

      Not sure who replied to me as it says “this user is blocked”, which means I blocked you for being a biased apple fanboy. Not everyone wants to buy half-bitten fruits.

    • thereasoner

      They want you to use the banks mobile payment app/widget. They work just as well and you don’t need to introduce a 3rd party to your transactions unnecessarily.

    • basesloadedwalk

      TD mobile app doesn’t work with debit cards, and I don’t want to use multiple banking apps when I can streamline it to just one. I don’t feel like setting different cards as my default each time I wish to use them. Android pay is more secure than many of the banking apps are anyway.

    • thereasoner

      I understand most of your points, I suppose that would matter to someone with multiple banks who wants to regularly use their phone for debit but how so with the “more secure” part?

    • basesloadedwalk

      more secure, because at no point in the transaction is your actual account/card number used. It’s all done with virtual number tokenization.

    • thereasoner

      The TD Mobile Payment service does use tokenization as well so it’s not an issue.

    • John Lofwire

      Dont waste your time talking to Apple troll..

  • demonte21

    Still waiting for Tangerine mastercard….

  • Leif Shantz

    Still waiting to add my TD Visa Debit card to Android Pay…….. What’s the hold up?

    • thereasoner

      I set the TD Mobile Payment app/widget up for my phone as a backup for those rare occasions that I forget my wallet. Why introduce a 3rd party to my transactions if I don’t have to?

    • basesloadedwalk

      Why? Because mobile payments are more secure than using your actual card. Tokenization means there is no risk in a merchant gaining your actual account number and protects you if that merchant’s payment system gets hacked. (See Target a few years ago). And with text alerts, you know about transactions much sooner and can report fraud almost instantly.

    • thereasoner

      My bank covers fraud and if security was an issue that was a concern then I’d just use my banks mobile payment app.

    • TD mobile payments app sucks in comparison to Android Pay or Apple Pay.

    • ciderrules

      That’s a lousy attitude. Even though you’re covered you’re still paying for it somewhere.

      Why wouldn’t anyone want to make things difficult for criminals? Especially if it involves no extra work or steps to do?

    • thereasoner

      My TD Mobile Payment app/widget uses tokenization so stop with the nonsense.

      Cute that you broke out a new Disqus account though…and upvoting each other too…sad.

    • The TD mobile payment doesn’t support debit so for those of us without a visa card with TD we have no options.

    • thereasoner

      Good point. Strange that it only supports credit and not debit. I wonder why and if TD plans on adding debit support.

    • John Lofwire

      Best option is to change bank..