The dedicated card acts as both a debit card and store credit card, offering 5% cashback on purchases and speedier checkout than a standard chip and Pin card.
Target today has announced a new Wallet feature for its iOS app. And, coming soon, guests also will be able to store and redeem Target GiftCards with Wallet. At Target (as with Walmart), this is essentially the only way you can do this as the retailer doesn't accept Apple Pay or Android Pay. After you're done shopping, you can present your Wallet barcode at the register to check out.
Retailers such as Walmart, CVS and Starbucks launched their mobile wallet entries well before Target did, but the retailer is making similar arguments to try and woo shoppers to pay via mobile: Enjoy quicker checkout than paying via other methods, and combine mobile pay capabilities with rewards and deal offers.
The solution is "four times faster than other payment types", according to Target, though that refers to other payment types available in Target since the retailer has been a holdout against comparably fast NFC payments from Apple Pay and Android Pay, a reluctance that dates to Target's membership in the now defunct MCX, a merchant-led mobile payment consortium. That is what makes the retailer's announcement of Wallet, its mobile payments system, one that folks might want to pay close attention to. What is new is the ability to use those coupons and checkout with your card with one scan of your barcode. However, Walmart allows customers to make payments on Apple and Android devices with nearly all major credit, debit, and pre-paid cards or Walmart gift cards.
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