Target discontinues three year DEI Goals

Predicting the demise of Sears & Kmart since 2017!
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Re: Target discontinues three year DEI Goals

Post by HCal »

SamSpade wrote: February 3rd, 2025, 9:42 am

I have switched for personal security reasons to mainly using credit (my credit union's credit team seem very good at fraud prevention measures) but WinCo and a few other cases force my hand to use debit. Similarly online I pretty much only go through PayPal now to pay for things whenever possible.[/offtopic]
One trick is that you can buy a Winco gift card and then reload it online with a credit card.
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Re: Target discontinues three year DEI Goals

Post by storewanderer »

HCal wrote: February 3rd, 2025, 10:57 pm
SamSpade wrote: February 3rd, 2025, 9:42 am

I have switched for personal security reasons to mainly using credit (my credit union's credit team seem very good at fraud prevention measures) but WinCo and a few other cases force my hand to use debit. Similarly online I pretty much only go through PayPal now to pay for things whenever possible.[/offtopic]
One trick is that you can buy a Winco gift card and then reload it online with a credit card.
Does that transaction code as grocery store?
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Re: Target discontinues three year DEI Goals

Post by HCal »

storewanderer wrote: February 3rd, 2025, 11:22 pm
HCal wrote: February 3rd, 2025, 10:57 pm
SamSpade wrote: February 3rd, 2025, 9:42 am

I have switched for personal security reasons to mainly using credit (my credit union's credit team seem very good at fraud prevention measures) but WinCo and a few other cases force my hand to use debit. Similarly online I pretty much only go through PayPal now to pay for things whenever possible.[/offtopic]
One trick is that you can buy a Winco gift card and then reload it online with a credit card.
Does that transaction code as grocery store?
I have no idea, but this post might be relevant.
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Re: Target discontinues three year DEI Goals

Post by storewanderer »

HCal wrote: February 3rd, 2025, 11:43 pm
storewanderer wrote: February 3rd, 2025, 11:22 pm
HCal wrote: February 3rd, 2025, 10:57 pm

One trick is that you can buy a Winco gift card and then reload it online with a credit card.
Does that transaction code as grocery store?
I have no idea, but this post might be relevant.
I may try this, though my shopping there has dropped off to some degree lately. I have been surprised how much I am shopping at El Super.
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Re: Target discontinues three year DEI Goals

Post by ClownLoach »

mjhale wrote: February 3rd, 2025, 7:49 pm
storewanderer wrote: February 2nd, 2025, 11:57 am I've had multiple Chips damaged lately. In one case the Contactless part still worked, in another case the Contactless part died too. The main two places I use Chip are Wal Mart and some gas stations where Contactless is not offered. So those readers damaged the cards.
What is Walmart's reluctance to accepting contactless payments? My thought was that they wanted people to use Walmart Pay to collect specific user data. However, @ClownLoach has discussed in other threads that retailers can determine who is buying what through other means. Certainly using Walmart Pay is easier to get that data since people are already logged into their accounts. With that said, if there are other technologies to get customer data, use it and at the same time give customers a choice. Isn't Walmart the largest retailer who doesn't take contactless? Their card reader seems capable. A green light flashes where the tap zone is when you initiate a payment but of course tap doesn't work. I've seem people in Walmart putting their contactless card where the sensor would be on the card reader only to get frustrated when it doesn't work.
There is something "extra" you must do to accept Apple Pay both from a back end system perspective ($$$$) and a processing cost. It isn't just a software update or pin pad replacement. I cannot remember the explanation but besides physical cards most of the tap payments are Apple Pay. I doubt Walmart wants to pay for Apple Pay processing, by enabling any tap payments they'll lead to disappointment and register backups if the Apple Pay ones don't go through when the customer doesn't pay attention to the sign that they don't work. So for Walmart they're probably better off for now skipping tap entirely until more Americans figure out that they're much safer with tap payments and demand them.
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Re: Target discontinues three year DEI Goals

Post by veteran+ »

I believe credit cards are the way to go. There is more protection.

Plus, I'm not on board with my money getting into their hands so fast. It compromises my power and leverage.
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Re: Target discontinues three year DEI Goals

Post by HCal »

ClownLoach wrote: February 4th, 2025, 6:39 am There is something "extra" you must do to accept Apple Pay both from a back end system perspective ($$$$) and a processing cost. It isn't just a software update or pin pad replacement. I cannot remember the explanation but besides physical cards most of the tap payments are Apple Pay. I doubt Walmart wants to pay for Apple Pay processing, by enabling any tap payments they'll lead to disappointment and register backups if the Apple Pay ones don't go through when the customer doesn't pay attention to the sign that they don't work. So for Walmart they're probably better off for now skipping tap entirely until more Americans figure out that they're much safer with tap payments and demand them.
There is nothing extra to do to accept Apple Pay. It is impossible to accept tapped physical cards without also accepting Apple, Google and Samsung Pay, as these apps just emulate a chip.

Apple Pay charges 0.15%, but this is paid by the card issuer, not the merchant. I'm pretty sure the other two are free for all parties.
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Re: Target discontinues three year DEI Goals

Post by ClownLoach »

HCal wrote: February 6th, 2025, 1:39 am
ClownLoach wrote: February 4th, 2025, 6:39 am There is something "extra" you must do to accept Apple Pay both from a back end system perspective ($$$$) and a processing cost. It isn't just a software update or pin pad replacement. I cannot remember the explanation but besides physical cards most of the tap payments are Apple Pay. I doubt Walmart wants to pay for Apple Pay processing, by enabling any tap payments they'll lead to disappointment and register backups if the Apple Pay ones don't go through when the customer doesn't pay attention to the sign that they don't work. So for Walmart they're probably better off for now skipping tap entirely until more Americans figure out that they're much safer with tap payments and demand them.
There is nothing extra to do to accept Apple Pay. It is impossible to accept tapped physical cards without also accepting Apple, Google and Samsung Pay, as these apps just emulate a chip.

Apple Pay charges 0.15%, but this is paid by the card issuer, not the merchant. I'm pretty sure the other two are free for all parties.
There is absolutely something extra needed to reprogram the existing POS as well as sign an agreement. I've been on the executive level calls and it was not that easy. It required a full new version of the software to be implemented. For the Toshiba/IBM older software underlying many POS systems it can be very expensive depending on if the company has their own in house IT or pays someone else to do it.
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Re: Target discontinues three year DEI Goals

Post by storewanderer »

ClownLoach wrote: February 6th, 2025, 11:28 pm
HCal wrote: February 6th, 2025, 1:39 am
ClownLoach wrote: February 4th, 2025, 6:39 am There is something "extra" you must do to accept Apple Pay both from a back end system perspective ($$$$) and a processing cost. It isn't just a software update or pin pad replacement. I cannot remember the explanation but besides physical cards most of the tap payments are Apple Pay. I doubt Walmart wants to pay for Apple Pay processing, by enabling any tap payments they'll lead to disappointment and register backups if the Apple Pay ones don't go through when the customer doesn't pay attention to the sign that they don't work. So for Walmart they're probably better off for now skipping tap entirely until more Americans figure out that they're much safer with tap payments and demand them.
There is nothing extra to do to accept Apple Pay. It is impossible to accept tapped physical cards without also accepting Apple, Google and Samsung Pay, as these apps just emulate a chip.

Apple Pay charges 0.15%, but this is paid by the card issuer, not the merchant. I'm pretty sure the other two are free for all parties.
There is absolutely something extra needed to reprogram the existing POS as well as sign an agreement. I've been on the executive level calls and it was not that easy. It required a full new version of the software to be implemented. For the Toshiba/IBM older software underlying many POS systems it can be very expensive depending on if the company has their own in house IT or pays someone else to do it.
On some systems getting Tap going was pretty easy but for some reason on IBM/Toshiba getting it set up was extremely difficult for many retailers. Getting it set up on the Supermarket software was very challenging and there were a lot of bugs/issues/errors. That is behind us now- for all retailers- since they all have it set up.

Even Wal Mart has it set up on IBM/Toshiba in Canada and some other countries. Just not in the US.

They want people using that Wal Mart Pay thing. They will eventually cave in the US because they will have no choice.

I see more and more customers at Wal Mart trying to tap physical cards or use phones to pay by Tap.

Some of the last hold outs on tap got it rolled out last year- Lowes, Home Depot, HEB...

We will see which retailer is last on it. Wal Mart or Hobby Lobby. My money is on Hobby Lobby being the one who is the last one to refuse to activate it.
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Re: Target discontinues three year DEI Goals

Post by HCal »

ClownLoach wrote: February 6th, 2025, 11:28 pm
HCal wrote: February 6th, 2025, 1:39 am
ClownLoach wrote: February 4th, 2025, 6:39 am There is something "extra" you must do to accept Apple Pay both from a back end system perspective ($$$$) and a processing cost. It isn't just a software update or pin pad replacement. I cannot remember the explanation but besides physical cards most of the tap payments are Apple Pay. I doubt Walmart wants to pay for Apple Pay processing, by enabling any tap payments they'll lead to disappointment and register backups if the Apple Pay ones don't go through when the customer doesn't pay attention to the sign that they don't work. So for Walmart they're probably better off for now skipping tap entirely until more Americans figure out that they're much safer with tap payments and demand them.
There is nothing extra to do to accept Apple Pay. It is impossible to accept tapped physical cards without also accepting Apple, Google and Samsung Pay, as these apps just emulate a chip.

Apple Pay charges 0.15%, but this is paid by the card issuer, not the merchant. I'm pretty sure the other two are free for all parties.
There is absolutely something extra needed to reprogram the existing POS as well as sign an agreement. I've been on the executive level calls and it was not that easy. It required a full new version of the software to be implemented. For the Toshiba/IBM older software underlying many POS systems it can be very expensive depending on if the company has their own in house IT or pays someone else to do it.
That extra something is needed to enable contactless acceptance (physical cards). Once that is done, the system will automatically accept Apple Pay and other mobile wallets.

I don't think Walmart's software is that old, neither are the terminals. At this point they're just being stubborn.
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