MacRumors

With Apple Pay positioned as a brand new service that requires banks, credit card companies, and vendors to all work together, it seems that some glitches in the system are inevitable.

Some Bank of America customers have been running into a serious problem when using Apple Pay to make purchases, with two charges showing up on their credit card statements. A CNN report from this morning first suggested that multiple Bank of America customers had been double charged, which Bloomberg later confirmed. Hundreds of customers are said to be affected.

A Bank of America representative contacted by CNN said that the issue was on Apple Pay's end and after some confusion about who should be contacted for a refund, Bank of America was able to refund the money.

Bank of America transferred me to Apple Pay customer support. The only problem: Apple's representative reminded me that for security's sake -- as promised -- Apple keeps no records of names or amounts for any of the transactions.

That meant there's nothing Apple could do, the representative told me. So Apple told me to call Bank of America. It was every consumer's worst nightmare: customer service for two companies telling you to call the other.

Thank God for three-way calling. I got Apple and Bank of America on the same line and let them sort it out.

BofA was smart enough to refund me the money, because they said it was obvious to them that these were duplicate charges for the same exact amount.

Bank of America is planning to issue refunds to all Apple Pay customers who were double charged, and according to CNN, a fix for the problem is expected to be released at some point on Wednesday.

"We apologize for the inconvenience and are working to correct the issue. All customers have been made whole," said Tara Burke, a spokeswoman for Bank of America. "We are always here for our customers and resolve any issues they have."

Banking issues aren't the only problem Apple Pay users are facing. According to a quick test conducted by Business Insider at eleven different retailers, many employees have little knowledge about Apple Pay. At eight separate locations, store clerks did not know whether or not they accepted Apple Pay, and only employees at McDonald's, Whole Foods, and American Eagle Outfitters were aware of the service.

The site had considerably difficulty conducting a return at American Eagle Outfitters, as the store cashiers had not been taught how to do them, but a refund was received "after a period of trial-and-error."

There's also a minor Apple Pay glitch that's causing some credit cards to display the wrong card design within the Passbook app, affecting some Chase and Citibank card users, but a fix for that issue is said to be in the works, according to 9to5Mac.

Many of the kinks with Apple Pay will be worked out over the coming weeks, as retail employees adapt to the new payments service and banks and credit cards work out remaining bugs and issues. According to Apple's Eddy Cue, Apple Pay will be a "game changer." "There's a lot to do here and we have a lot of work to do, but it should be huge," he said in an interview.

Rolled out on Monday through an update to iOS 8.1, Apple Pay is accepted at more than 200,000 retail locations, wherever NFC contactless payments are available. It is also available in an array of apps that have adopted the Apple Pay API, including Uber, Target, and Apple's own Apple Store app.

Update 1:22 PM: Bank of America has confirmed to Re/code that the problem is the result of an issue between the bank and at least one payment processor and that Apple is not involved. A fix is expected today, and roughly 1,000 customers were affected by the double billing.

Update 1:50 PM: An Apple spokesperson told Bank Innovation that Bank of America is working on a fix and that the issue is impacting only a small number of Apple Pay users.

"Apple Pay is off to an amazing start and customers are loving the easy, secure and private way to pay. We're aware of a Bank of America issue impacting a very small number of Apple Pay users. They're working on a fix that will be available shortly and reversing any duplicate transactions."

Earlier this week, Major League Baseball and MasterCard announced a partnership that has seen Apple Pay support roll out at concession stands at ballparks in San Francisco and Kansas City for the World Series. As part of its World Series promotional push, MasterCard also debuted a pair of television ads during last night's Game 1, featuring Apple Pay and the company's "Priceless Surprises" program that has seen cardholders surprised with various rewards.

One spot features former New York Yankees star Mariano Rivera and longtime Los Angeles Dodgers manager Tommy Lasorda, while the second features Kansas City Royals legend George Brett, with MasterCard promoting surprises such as meet-and-greets with the stars and tickets to World Series games.

On its Priceless Surprises website, MasterCard notes it has surprised over 70,000 cardholders with various rewards, and now Apple Pay gives users more ways to win.

Apple launched its Apple Pay mobile payments service on Monday with the debut of iOS 8.1, with the iPhone 6 and 6 Plus supporting the service in-store and in apps, while the new iPad Air 2 and iPad mini 3 support it for in-app purchases only.

MasterCard, Visa, and American Express have all signed onto the program, as have over 500 banks and a number of major retailers. Launching first in the United States, Apple Pay is now accepted at over 200,000 points of sale and the cards and banks responsible for the vast majority of U.S. credit card spending are compatible with the service.

Following the launch of pre-orders last Friday, Apple's new iPad Air 2 and Retina iPad mini 3 models are now making their way into customers' hands and onto retail store shelves. According to The Inquirer and reports from MacRumors readers, pre-orders are now being delivered, and the tablets are now available for purchase online and in store.

Customers in launch countries of the UK and Australia started receiving their tablets today and have already posted unboxing videos. Unlike the iPhone 6 which featured a plain white box, customers report the box for the iPad Air 2 is similar to the original iPad Air with a color representation of the iPad on the cover.

Apple's online store also is still accepting orders with delivery dates of 2 to 4 days for most iPad Air 2 models. In-store pickup for the Air 2 is not available yet for online shoppers, but we have heard from multiple sources that Wi-Fi models are arriving at at least some of Apple's own retail stores for sale beginning today. Based on online ordering, iPad mini 3 supplies are more abundant, with most Wi-Fi models currently available within 24 hours and cellular models shipping in 1-3 days.

Apple announced the iPad Air 2 last week, highlighting the device's new A8X processor, Touch ID sensor and improved camera. Early benchmarks suggest the iPad Air 2 is up to 55 percent faster than the iPhone 6 and 68 percent faster than last year's iPad Air. The first round of reviews of the Air 2 point out benefits such as a thinner profile and vibrant display, while also noting a slight decrease in battery life compared to the previous generation.

While the Air 2 has received fairly strong reviews, the iPad mini 3 has been less well received with most reviews noting the device's similarity to the iPad mini 2. The iPad mini 3 ships with the same processor and camera options as its predecessor, with the only notable improvements being a Touch ID fingerprint sensor and a new gold option.

The iPad Air 2 is available with a starting price of $499 for the 16GB Wi-Fi-only model, with equivalent cellular models available for $130 more. The iPad mini 3 starts at $399 and is available in Wi-Fi-only and cellular configurations.

Apple CEO Tim Cook met with a top Chinese government official in Beijing Wednesday to discuss the security of user data, reports Reuters. The meeting comes after web censorship blog Great Fire claimed earlier this week that hackers worked with Chinese authorities to harvest Apple ID information from Chinese users visiting iCloud.com.

Yesterday, Apple issued a statement acknowledging the attacks on its servers and launched a new browser security guide on its website. The guide stressed the importance of digital certificates, asking users to check for any certificate warnings in their browser and ensure that they are connected to iCloud.com versus a malicious third-party website that resembles the service's homepage.

China has become an increasingly important market for Apple, as the company now has eleven retail stores in the country and sells the iPhone on all three major wireless carriers. Apple also launched the iPhone 6 and iPhone 6 Plus in China last Friday following a week of successful pre-orders.

Note: Due to the political nature of the discussion regarding this topic, the discussion thread is located in our Politics, Religion, Social Issues forum. All forum members and site visitors are welcome to read and follow the thread, but posting is limited to forum members with at least 100 posts.

Following Apple's October 16 event that saw the debut of the iPad Air 2 and the iPad mini 3, Apple provided multiple publications with review units. The embargo has now lifted on review posts, so we've gathered some of the relevant excerpts from each site in order to highlight general release reactions to the new tablet.

Apple's iPad Air 2 is an entire millimeter thinner than the original iPad Air, and Apple has billed it as the thinnest tablet in the world. It offers a new A8X processor, Touch ID fingerprint support, an anti-reflective screen coating, 802.11ac Wi-Fi, and an improved 8-megapixel rear camera.

Walt Mossberg, Re/code:

So when Apple brought out new iPads last week, and I had a chance to test them over the past four days, you might think I'd be pretty excited about them -- but I'm not. They are, in most respects, the best iPads ever made. But for average users, they represent only a modest evolutionary improvement over last year's models, not the kind of big change that the first iPad Air or the Retina display iPad mini did last year. [...]

The Air 2 didn't allow me to hold or carry the tablet longer and more comfortably than the Air. Its weight of 0.96 pounds isn't discernibly lighter than the Air's weight of one pound. And its thickness of 0.24 inches is a barely noticeable reduction from the Air's 0.29 inches.

Nilay Patel, The Verge:

The Air 2 has a vibrant, sharp display that looks almost painted on. Apple says the new antireflective coating on the Air 2 reduces glare by 56 percent, but I didn't really notice it making a huge difference; you definitely can't use it in bright sunlight. [...]

Inside the iPad Air 2 lies Apple's new A8X chip, which is a variant of the A8 found in the iPhone 6 and 6 Plus with additional graphics capabilities. It's ridiculously fast -- noticeably faster to load web pages and launch apps than my iPad Air, and it has so much graphics headroom that I'm eager to see how game developers take advantage of it.

Darrell Etherington, TechCrunch:

The 6.1 mm chassis just makes all the difference when it comes to the Air feeling like something that you could comfortably hold for long periods of time, and even for all-day computing, should you need it (and it's easy to imagine an event coordinator, for instance, needing exactly that).

Our review unit came in Apple's gold finish, and let me just say that on the iPad, that means there's a lot of gold going on. Apple's take on this particular metal color is better than most, but this definitely isn't my favourite finish. The Air 2 in either space grey or silver still looks fantastic however, and the gold is definitely going to stand out in a crowd, especially if you're also using the iPad as a camera.

Brad Molen, Engadget:

A thinner profile comes at the expense of battery size. The new Air's is 5.1Whr smaller than the old one, but Apple still promises that you'll get the same 10-hour battery life because the A8X is more power-efficient. Real-life use shows that the original Air still rules the roost; after a day of heavy use, I typically went to bed with around 20 percent left in the tank. If you're only using it moderately -- say, for casual content creation or consumption -- you should get a little over two days. In our video test, in which an HD movie plays through the life of the battery, the Air 2 squeezed out 11 hours and 15 minutes, significantly lower than last year's Air and about an hour short of the Samsung Tab S. [...]

The Air 2 also doesn't have a mute switch, which I didn't think would be a huge loss until I actually found myself trying to use it and becoming frustrated more frequently than I expected. Your new options are to press and hold the volume down button or go into the Control Center and press the mute key; if you used the switch to lock screen orientation, you'll need to do that in the Control Center as well. A microphone now sits where the mute switch once was; there's another one right next to the camera.

Joanna Stern, The Wall Street Journal:

That anti-reflective screen also makes a great, though admittedly ginormous, viewfinder for snapping nature shots with the revamped 8-megapixel camera. It takes much crisper shots than before, and in many cases, ones as good as those I can take with my iPhone 6. But I won't bring my iPad to some mountain peak, as some Apple promo shots suggest.

Besides, when I set the iPad Air 2 down for a second on a bench, it slid off and hit concrete, shattering the screen. Sure, I'm to blame, but if Apple wants me to climb every mountain armed with nothing but an iPad, ruggedness should be as important as anti-reflectivity.

Harry McCracken, Fast Company:

The weirdest fact about the iPad Air 2 is that Apple isn't publicizing (or even acknowledging) one of its best new features. The tablet now has 2GB of RAM, up from the rather cramped 1GB allotment in the original iPad Air. (Some competitors, like the Galaxy Tab 10.1, have even more.)

Doubling the RAM means that the iPad can keep more apps and browser tabs in memory without having to reload anything. That results in a speed boost which which is very apparent as you hop between apps and load new web pages.

Lance Ulanoff, Mashable

To get an anecdotal sense of the performance, I installed a pair of console-level games: Asphalt 8 Airborne and Modern Combat 5: Blackout. Each of these games is notable for rich imagery and physics including smoke, water, rain, and reflections. The games looked and worked great on the original iPad Air and worked just as well — if not better — on the iPad Air 2.

However, Apple isn’t just blowing smoke when it says the A8X is more powerful. I ran Geekbench 3 on both Airs and found that that Apple’s A8X has 3 cores (the A7 had 2) and that the multicore score for the iPad Air 2 is nearly double that of the original Air. The singlecore score for the iPad Air 2 is only slightly better than that of the iPad Air.

Other Reviews:

Farhad Manjoo, The New York Times
Samuel Gibbs, The Guardian
David Pogue, Yahoo Tech
Chris Davies, Slashgear
Matt Warman, The Telegraph

The iPad Air 2 is currently available for pre-order from Apple's online store, with prices starting at $499. Apple has not yet revealed when the new tablets will be available in stores, but the first pre-orders will be arriving to customers this week.

GT Advanced and Apple have reached a deal that will see the two companies dissolving their partnership, according to documents submitted to the court earlier today, reports The Wall Street Journal. According to GT Advanced attorney Luc Despins, the agreement between the two companies marks an "amicable parting of the ways."

Under the terms of the deal, GT Advanced will sell off more than 2,000 sapphire furnaces, with some of the proceeds going to Apple as repayment for the $440 million loan the company gave GT to purchase the sapphire equipment.

Mr. Despins said the proposed settlement allows GT Advanced to try to sell the furnaces at the Mesa, Ariz. sapphire-manufacturing facility, and give the money to Apple, which financed the equipment. GT Advanced would surrender its claims against Apple, under the deal, and agree not to disparage the technology giant, Mr. Despins said.

There was some speculation that GT Advanced was aiming to force Apple into taking over the sapphire operation, but it appears that Apple is not interested as both parties seem to want out of the deal. With GT planning to sell off all of the furnaces, it is unclear whether Apple will be able to source enough sapphire from other suppliers in order to incorporate sapphire into the iPhone display in the future.

Apple and GT Advanced have also agreed to file a revised explanation for the company's bankruptcy filing, which will be provided to the court at a November 25 hearing, but the original court papers remain sealed. If approved, the settlement between GT Advanced and Apple will see original court papers stricken from the court record, keeping the details of what went wrong between the two companies quiet.

Rumors have suggested that the deal between GT Advanced and Apple began falling apart early on, with GT Advanced missing technical milestones as early as February. A failure to produce high-quality sapphire led Apple to withhold a final $139 million loan payment, which may have been the reason behind GT Advanced's Chapter 11 bankruptcy protection filing in early October.

GT Advanced will begin winding down operations at its sapphire plant in the near future, eliminating the jobs of more than 727 employees in the coming weeks. GT Advanced plans to prepare existing sapphire boules for sale, clean and sell furnaces, and then close the plant for good by December 31.

A short time ago, we highlighted a new benchmark appearing to show an iPad Air 2 device carrying an A8X chip with a triple-core 1.5 GHz processor and 2 GB of RAM.

While we mentioned that the enhanced specs have led to huge performance gains compared to the A8 chip found in the iPhone 6 and 6 Plus, Primate Labs has now published a nice pair of charts showing just how dramatic this improvement really is, making the iPad Air 2 far and away the fastest iOS device ever.

The most striking improvement comes in the multi-score benchmarks, where the A8X with its three cores of processing power blows away the dual-core A8 found in the iPhone 6 and 6 Plus. As a result, the iPad Air 2 registers over 55 percent faster than the iPhone 6 and 6 Plus in the multi-core benchmark. Comparing iPad to iPad, the A8X in the iPad Air 2 measures 68 percent faster than the A7 in last year's iPad Air according to the multi-core benchmark.

The iPad Air 2 also sets new high scores in the single-core benchmarks thanks to the 1.5 GHz cores in the A8X, with much of the nearly 13 percent gain over the A8 coming from the 100 MHz speed improvement compared the 1.4 GHz cores found in the iPhone and 6 Plus. The iPad Air 2 of course also compares favorably to the original iPad Air, with single core scores up 23 percent.

While Apple touted the power of the new A8X chip used in the iPad Air 2 at the company's media event last week, the company as usual opted not to disclose exact specifications on the part, leaving the details up to rumor and speculation until the device starts making its way into the hands of users and teardown experts.

But with Apple shipping out orders to customers for delivery as soon as tomorrow, it appears that at least one user has already gotten his or her hands on the iPad Air 2 and run a Geekbench 3 benchmarking test on it (via Gizmobic). If the result is genuine, and Primate Labs founder John Poole tells MacRumors that it appears to be, it reveals that the A8X contains an unusual triple-core CPU configuration running at 1.5 GHz and paired with 2 GB of RAM.

The extra core and 100 MHz faster clock speed compared to the A8 found in the iPhone 6 and 6 Plus means the iPad Air 2 scores roughly 13 percent higher on single-core benchmarks and 55 percent higher on multi-core benchmarks than Apple's latest iPhones.

More details will undoubtedly be unveiled in the coming days as teardown experts take the iPad Air 2 apart and chip experts examine the internal layout of the chip.

Yesterday, Primate Labs highlighted some Geekbench 3 benchmarking results for the new 3.5 GHz 27-inch Retina 5K iMac, unsurprisingly showing the machine performing better than slower-clocked Core i5 chips in non-Retina models but below that of high-end Core i7 chips also available in the machines since their late 2013 introduction.

Primate Labs' John Poole noted that once benchmarks for the high-end Retina 5K iMac with Intel's 4.0 GHz Core i7-4790K chip started appearing, they could show the new iMac outperforming the low-end Mac Pro, and that is indeed the case as revealed today and highlighted in an updated version of Poole's blog post from yesterday.

The 4.0 GHz Retina 5K iMac clocks in with a score of 4438 on the single-core 64-bit benchmarking test, while multi-core testing achieves a score of 16407. Across the two tests, the new high-end Retina iMac scores 11-13 percent higher than the fastest non-Retina model due to the faster processor included on the Retina model.

Compared to the low-end Mac Pro, which runs on a quad-core 3.7 GHz Xeon E5-1620 v2, the high-end Retina iMac clocks in over 13 percent higher on multi-core testing, although it is unsurprisingly outclassed by higher-level Mac Pro models carrying processors with more cores.

Both Retina iMac processor options outperform all Mac Pro models on single-core benchmarks, but this is unsurprising as the Xeon processors used in the Mac Pro sacrifice single-core clock speed for many more cores and other benefits that enhance performance for professional-level applications that can take advantage of the multiple cores.

Earlier this week, web censorship blog Great Fire suggested that hackers aligned with Chinese authorities were using man-in-the-middle attacks in order to harvest Apple ID information from Chinese users that visited Apple's iCloud.com website.

In a newly released support document (via The Wall Street Journal), Apple has confirmed that it is aware of the "intermittent organized network attacks" on iCloud users, but says that its own servers have not been compromised.

Apple is deeply committed to protecting our customers' privacy and security. We're aware of intermittent organized network attacks using insecure certificates to obtain user information, and we take this very seriously. These attacks don't compromise iCloud servers, and they don't impact iCloud sign in on iOS devices or Macs running OS X Yosemite using the Safari browser.

Apple's support document goes on to stress the importance of digital certificates, suggesting that users who see an invalid certificate warning in their browser while visiting iCloud.com should not proceed. The company also outlines how users can verify that their browser is connected to iCloud.com and not a third-party man-in-the-middle website.

Apple asks users to make sure that a green lock icon is visible in Safari and that the message "Safari is using an encrypted connection to www.icloud.com" is displayed when the lock icon is clicked. Apple also has verification instructions for both Chrome and Firefox.

Unfortunately, many of the victims falling prey to the fake iCloud sites are not using secure browsers that issue warnings when fake websites are visited. According to Great Fire, many Chinese users access the Internet through popular Chinese browser Qihoo, which does not let users know that a fake site is harvesting their information.

The attack works by redirecting Chinese users attempting to access iCloud.com to a fake website that resembles the iCloud website. Users that log into the fake site provide attackers with logins and passwords that can be used to access contacts, messages, photos, and documents stored within iCloud.

Though Great Fire has suggested that Chinese authorities may be involved in the attacks, a spokeswoman for China's Foreign Ministry (via CNBC) said that Beijing was "resolutely opposed" to hacking.

Chinese users should switch to a trusted browser like Firefox or Chrome to avoid falling prey to the fake iCloud.com website, or use a VPN to bypass the redirection and log in directly to iCloud.com. Two-factor authentication should also be turned on as it can prevent unauthorized users from logging into an iCloud account even when a username and password are obtained.

Note: Due to the political nature of the discussion regarding this topic, the discussion thread is located in our Politics, Religion, Social Issues forum. All forum members and site visitors are welcome to read and follow the thread, but posting is limited to forum members with at least 100 posts.

Apple may have its rumored loyalty rewards program ready for the holiday shopping season, claims Bank Innovation. The loyalty program originally was thought to be launching alongside "Apple Pay 2.0" in October 2015, but recent reports suggest Apple may be pushed it ahead by a year due to merchant demand.

The loyalty program looks like it will come this year, based on Digiday’s timetable. This was unexpected — many had assumed the program would wait until the launch of Apple Pay 2.0, tentatively scheduled for October 2015. It looks like market demand pushed the timetable up to this holiday season, which my sources within the retail industry have said for sme time is “super unlikely.”

A previous report from Digiday, described as being "pretty accurate" by Bank Innovation sources, claims Apple plans to monetize its mobile payment system by integrating iAds with Apple Pay. This iAds portion of the loyalty system allegedly will use iBeacons and Bluetooth LE to push targeted ads with a "tap-to-buy" button to customers while they are visiting a participating merchant.

One way they’ve [Apple] thought up is, say you’re in a Duane Reade, hypothetically. You get a push notification from Pepsi that they’ve worked out a deal with Duane Reade that you can get a free case of Pepsi. Just pick it up and use Apple Pay at the counter.

Apple Pay officially launched yesterday and is compatible with major payment network, including American Express, MasterCard, and Visa. In-store NFC payments will require the iPhone 6 or iPhone 6 Plus, while those devices and the new iPad Air 2 and iPad mini 3 will be able to make online purchases with Apple Pay.