I called the bank, and the customer service rep. said it wasn’t them who 
blocked the transaction. As she looked at the transaction on her screen she 
noted a number of irregularities, and said it appeared the problem was on Urban 
Outfitters end. I then called UO customer support. The man there said yes, the 
transaction was declined, but he said there was no information on why it was 
declined or by whom. I told him in that case they need a software upgrade. He 
said my only option if I wanted the purchase to go through was to put it on 
another credit card, which I did. He then said it was approved.
Jim

> On Jul 13, 2018, at 12:58 AM, John Robinson <[email protected]> 
> wrote:
> 
> Bummer Jim, let us know if the bank had the problem or Apple.  The guy at the 
> office today had his card rejected twice.  Turned out to be a glitch at the 
> bank.  
> 
> John
> 
> Sent from my iPad
> 
> On Jul 13, 2018, at 12:24 AM, James Bennett <[email protected] 
> <mailto:[email protected]>> wrote:
> 
>> Had my first Apple Pay failure today (Thursday) at Urban Outfitters in 
>> Louisville. The cashier told me they take Apple Pay, and after three tries 
>> it went through (I thought). Just now opened up an email from UO. The 
>> message read:
>> 
>> 
>> "Dear James Bennett,
>> This email is in reference to your recent order. Unfortunately, we were 
>> unable to process your order, as we could not obtain an authorization from 
>> your credit card company. You may wish to contact the issuing bank of your 
>> credit card regarding this matter, and then inform us of any additional 
>> information. We will hold your order for 48 hours, before it will be 
>> cancelled. Please respond quickly; merchandise cannot be held for your order 
>> and may become unavailable. For fastest results, please call us at the 
>> customer service number available on our website. Monday through Friday, 8 
>> am to 8 pm, EST and a representative will be happy to assist you with this 
>> order.”
>> 
>> Guess I’ll have to call them tomorrow…Grrr
>> 
>> Jim
>> 
>> 
>>> On Jul 12, 2018, at 6:08 AM, John Robinson <[email protected] 
>>> <mailto:[email protected]>> wrote:
>>> 
>>> Yes Jonathan, our store is just a few years old.  What’s interesting with 
>>> both instances within a week were the employees didn’t have a clue they 
>>> even took NFC payments, the person taking my payment at the Rooster was the 
>>> owner & she didn’t know.  
>>> 
>>> At Lowe’s the clerks tell me sometimes the phones work & sometimes they 
>>> don’t.  Their registers use a radio frequency that some Android phones 
>>> utilize, the old touch & go cards where the customer would “tap” the card 
>>> or phone on the reader.  Not near as secure but once again the employee 
>>> doesn’t know.  
>>> 
>>> Yesterday one of my Epson printers informed me it was running low on ink, 
>>> the pop up window showed me the levels of ink on a graph with a link to 
>>> Epson for the purchase, right to the proper cartridges, very cool.  
>>> 
>>> I checked their price with Amazon, practically the same.  Loaded the cart & 
>>> checked out. Got to payment & the only option was a credit card. I emptied 
>>> the cart & went to “contact us” & wrote them a note that I had several of 
>>> their printers & 3 of their scanners, loved their products but I was not 
>>> going to put my card info on yet another firms servers where hackers have 
>>> their way with everyone’s lack of security.  I’ll go to Staples, 
>>> undoubtedly pay more, but can use ApplePay.  Epson is to reply within 
>>> 24,hours.  These firms need to learn they are to serve their clients & not 
>>> make us bend to their choices. 
>>> 
>>> John
>>> 
>>> Sent from my iPad
>>> 
>>> On Jul 12, 2018, at 5:36 AM, Ed Wiser <[email protected] 
>>> <mailto:[email protected]>> wrote:
>>> 
>>>> I love Thornton’s their cash registers says they take Apple Pay but only 
>>>> one here me does. 🤣
>>>> 
>>>> Sent from my iPhone
>>>> 
>>>> On Jul 12, 2018, at 12:50 AM, Jonathan Fletcher <[email protected] 
>>>> <mailto:[email protected]>> wrote:
>>>> 
>>>>> John,
>>>>> 
>>>>> You story intrigued the member of my family that spends 45++ hours a week 
>>>>> slinging ice cream at a Graeter’s here in Louisville that has a 
>>>>> non-PCI-compliant cash register that won’t even take chip cards and has 
>>>>> no way to allow a customer to enter a PIN. 
>>>>> 
>>>>> I’m going to guess New Albany, which is a much more recent store than 
>>>>> hers, and near where you live.
>>>>> 
>>>>> Good for them. 
>>>>> 
>>>>> Jonathan
>>>>> 
>>>>> 
>>>>>> On Jul 11, 2018, at 6:51 PM, John Robinson <[email protected] 
>>>>>> <mailto:[email protected]>> wrote:
>>>>>> 
>>>>>> …last week we went to Graeter’s Ice cream with some of the kids visiting 
>>>>>> from Bowling Green.
>>>>>> 
>>>>>> Upon paying I ask the lady if they took ApplePay…WHAT’S THAT?  
>>>>>> 
>>>>>> As she rang up the charges I noticed the NFC logo and I said, YES YOU 
>>>>>> DO, so I told her to hit credit and I tilted the watch, BINGO, PAID..
>>>>> 
>>>>> 
>>>>> 
>>>>> 
>>>>> --
>>>>> Jonathan Fletcher
>>>>> [email protected] <mailto:[email protected]>
>>>>> 
>>>>> Kentuckiana FileMaker Developers Group
>>>>> Next Meeting: 7/24/18
>>>>> 
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