Saturday, October 11, 2014

Thoughts on  Pay Adoption

[2015-01-20: Updated to reflect additional banks, vendors, and apps.]
[2014-12-19: Updated to reflect additional bank, vendor and iOS app support.]
[2014-10-23: Updated to reflect Visa's and Mastercard's announcement of supported banks]
[2014-10-20: Updated to reflect additional vendors committed to supporting Apple Pay based upon information conveyed during Apple's iPad and Mac announcements on October 16th]


I've read through a number of articles that talk about how there are merchants that have no plans to actively support  Pay and it made me wonder why and whether or not it will matter.

Both Appleinsider and Macrumors have articles outlining how there are some retailers who have expressed unwillingness to support  Pay.  Both sites describe how Best Buy and Walmart have come out and stated they have no plans to support  Pay.  Both Appleinsider and Macrumors talk about how Best Buy and Walmart are supporting a separate effort, the Merchant Customer Exchange (MCX) (http://www.mcx.com) which was announced back in August of 2012.  It is worth noting that MCX is an out-of-network payment system that eliminates banks from the transaction scope.  This stands in stark contrast to the strategy adopted by Apple in which they have actively been working with banks and credit card networks since January of 2013.

Apple may well have timed the release of  Pay well given the fact that, as Pandodaily notedEuropay Mastercard Visa (EMV) standard for credit cards equipped with microchips are going to become the standard in October 2015.  After October 2015, vendors that DO NOT accept EMV certified cards will be liable for any fraudulent purchases made with counterfeit or stolen credit cards.  As such, vendors that are not on board with EMV-compatible card readers will bear more of the risk of fraud.  It stands to reason, as noted by Datacard Edge, that as vendors will be required to install new credit card reading terminals to support the forthcoming EMV standard, it is likely they would opt to support contactless payment technologies such as NFC.  So these vendors who are actively going on record as not being interested in supporting  Pay may well end up supporting Apple's new service indirectly.  In the "Use Apple Pay in these stores" section of Apple's Apple Pay web site indicates that any point of sale system that features the following "EMVCo Contactless Symbol Mark".


In addition, vendors such as Target who are members of the Merchant Customer Exchange have indicated that they will support Apple pay through in their iOS application.  And restaurants that are a part of the "Pay with Open Table" initiative will indirectly be supporting Apple Pay through OpenTable's support of the payment system.  If you consider the table below, there are fifty-eight (58) members of the Merchant Customer Exchange which does not necessarily preclude them from supporting Apple Pay.  There are five hundred twenty-six (526) vendors and banks that have committed to support Apple Pay directly (or via partnership with Visa and MasterCard), and 199 vendors who will feature Apple Pay support via their app (or indirectly via Open Table's app).

I think the chances it will give the mobile payments initiative a BIG push are pretty good.


Merchant/Bank MCX  Pay  Pay
via App
!Ay Chiwowa (via OpenTable)

1st Colonial Community Bank

1st Community Federal Credit Union

20Stamps

25 Lusk (via OpenTable)

7-Eleven

76

A la bonne franquette (via OpenTable)

A+ Federal Credit Union

A16 Rockridge (via OpenTable)

Acabar (via OpenTable)

Acme (via OpenTable)

Acme Fresh Market

Actors Federal Credit Union

Advantage Federal Credit Union

Advantage One Federal Credit Union

Aéropostale

Affinity Federal Credit Union

Affinity Plus Federal Credit Union

Agave (via OpenTable)

Aggio (via OpenTable)

Airbnb

Alaska USA Federal Credit Union

Albertsons

Alliant Credit Union

Alon

ALPS Federal Credit Union

Alternatives Federal Credit Union

Altra Federal Credit Union

Amarillo National Bank

Amaro Bistro (via OpenTable)

Amegy Bank National Association

America First Credit Union

America’s Christian Credit Union

America’s Credit Union

American Airlines

American Airlines Federal Credit Union

American Chartered Bank

American Eagle Outfitters


American Express

American Flatbread Tribeca Hearth (via OpenTable)

American Heritage Bank

American National Bank of Texas, The

American Savings Bank

AmeriCU Credit Union

Andanada (via OpenTable)

Andrews Federal Credit Union

Anthropologie

APCO Employees Credit Union

Apple Store
Applebee's

Aretsky’s Patroon (via OpenTable)

Arlington Community Federal Credit Union

Artisan House (via OpenTable)

Artisanal Fromagerie Bistro & Wine Bar (via OpenTable)

Artisans Bank

Arvest Bank

Associated Bank

Atlantic Grill (via OpenTable)

Auburn Bank

Avidbank

Babies ‘R Us

Bahama Breeze

Banana Republic

Bancorp Bank, The

Bank of America

Bank of Colorado

Bank of Greene County, The

Bank of Hawaii

Bank of Idaho

Bankers Trust Company

Bankers Trust Company – Cedar Rapids

BankIowa

Bar Tartine (via OpenTable)

Barbounia (via OpenTable)

Barclaycard

Bask (via OpenTable)

Baskin Robins

Baton Rouge Telco Federal Credit Union

Baxter Credit Union

Bay Atlantic Federal Credit Union

BB&T

BCM Federal Credit Union

Bed Bath & Beyond

Bellco Credit Union

Bellwether Community Credit Union

Belmont Bank & Trust

Benoit Restaurant and Bar (via OpenTable)

Best Buy

Bestia (via OpenTable)

Bethpage Federal Credit Union

Bi Lo

Bierhaus

Big Daddy’s (via OpenTable)

Bill’s Bar & Burger (via OpenTable)

Bisou (via OpenTable)

BJ’s

Black Hills Federal Credit Union

Blackhawk Community Credit Union

Bloomingdale’s

Blue Hill at Stone Barns (via OpenTable)

Blue Plate (via OpenTable)

Blue Water Grill (via OpenTable)

BMI Federal Credit Union

Boeing Employee Credit Union

BofI Federal Bank

Bottlefork (via OpenTable)

Boulder Dam Credit Union

Boxing Room (via OpenTable)

Branch Banking and Trust Company

Brazos Valley Schools Credit Union

Brown County State Bank

buybuy Baby

Cafe Bastille (via OpenTable)

Cafe Cluny (via OpenTable)

Cafe Luxembourg (via OpenTable)

California Bank & Trust

Camboni (via OpenTable)

Cambridge Trust Company

Camden National Bank

Campus USA Credit Union

Capital City Bank

Capital Grille, The

Capital One

Capitol Credit Union

Capitol Federal Savings Bank

Cardinal Bank

Cardinal Community Credit Union

Cascade Federal Credit Union

Cassis (via OpenTable)

Centra Credit Union

Central Florida Educators Federal Credit Union

Central Keystone Federal Credit Union

Central Valley Community Bank

Chairish

Chambers Eat + Drink (via OpenTable)

Champs Sports

Changing Seasons FCU

Charish

Charter Oak Federal Credit Union

Chase

Cheektowaga Community Federal Credit Union

Cheff Geoff’s (via OpenTable)

Chevron

Chevron Federal Credit Union

Chilli’s

China Grill (New York) (via OpenTable)

Chippewa County Credit Union

Choquet’s (via OpenTable)

Chouquet’s (via OpenTable)

Christian Community Credit Union

Christmas Tree Shops

Circle K

Circo (via OpenTable)

Citi

Citizens and Farmers Bank

City Crab & Seafood Company (via OpenTable)

City National Bank

City National Bank of New Jersey

Clearview Federal Credit Union

CME Federal Credit Union

Coast Central Credit Union

Coastal Federal Credit Union

CoastalStates Bank

CoastHills Credit Union

Coastline Federal Credit Union

Colicchio & Sons (via OpenTable)

Columbia Bank

Columbine Federal Credit Union

Comenity Bank

Comenity Capital Bank

Commerce Bank

Commonwealth Credit Union

CommonWealth One Federal Credit Union

Community & Southern Bank

Community America Credit Union

Community Bank of Pleasant Hill

Community Bank of Raymore

Community Choice Credit Union

Community Credit Union of Florida

Community First Credit Union

Community First Credit Union of Florida

Compass Bank

Connex Credit Union

Conoco

Conservation Employees’ Credit Union

Consumers Credit Union – Illionois

Copper Canyon Grill (via OpenTable)

Coulee Dam Federal Credit Union

County Educators Federal Credit Union

CoVantage Credit Union

Cozymel’s Mexican Grill (via OpenTable)

CPM Federal Credit Union

Craft (via OpenTable)

Craft Los Angeles (via OpenTable)

Craftbar (via OpenTable)

Cross Keys Bank

CTECU

Customers Bank

CVS/pharmacy

Cyprus Federal Credit Union

D4 Irish Pub and Cafe (via OpenTable)

Dapper

Dealflicks Movies

Deer Valley Credit Union

Del Campo (via OpenTable)

Del-One Federal Credit Union

Denver Community Credit Union

Denver Fire Department Federal Credit Union

Desert First Federal Credit Union

DFCU Financial

Diablo Valley Federal Credit Union

Dick's Sporting Goods

Digital Federal Credit Union

Dillard's

Directions Credit Union

Disney Store
Dort Federal Credit Union

Dos Caminos (via OpenTable)

DOSA on Fillmore (via OpenTable)

Drync

Duane Reade

Duck Inn, The (via OpenTable)

Duke’s (via OpenTable)

Dunkin' Donuts

Dupaco Community Credit Union

DuPage Credit Union

DuPont Community Credit Union

Dutch Point Credit Union

Dutch, The (via OpenTable)

E Federal Credit Union

East & West at Yotel New York

East River Federal Credit Union

East Texas Professional Credit Union

East Wisconsin Savings Bank

Eastman Credit Union

Ed’s Chowder House

Eddie V's Prime Seafood

Educators Credit Union

Eli Lilly Federal Credit Union

Employees Credit Union

EN Jamanese Brasserie (via OpenTable)

EN Japanese Brasserie (via OpenTable)

ESL Federal Credit Union

Evansville Federal Credit Union

Evansville Teachers Federal Credit Union

Eventbrite

Evergreen Credit Union

ExtraMile

ExxonMobil

F&A Federal Credit Union

Face Values

Fairfax County Federal Credit Union

Fairwinds Credit Union

Family Meal (via OpenTable)

Fancy

Farm Bureau Bank

Farmers Bank

Farmhouse Tavern (via OpenTable)

Fidelity Deposit & Discount Bank

Fifth Third (via Mastercard)

Fifth Third Bank

Fig & Olive (via OpenTable)

Financial Plus Credit Union

First Atlantic Federal Credit Union

First Bank and Trust Company

First Bank of Dalton

First Citizens’ Federal Credit Union

First Class American Credit Union

First Community Credit Union

First Credit Union

First Entertainment Credit Union

First Federal Savings Bank

First Fidelity Bank N.A.

First Financial Bank NA Cincinnati

First Financial Credit Union (CA)

First Financial Credit Union (IL)

First Florida Credit Union

First Hawaiian (via Mastercard)

First International Bank and Trust

First National Bank

First National Bank of Bosque County

First National Bank of Omaha

First National Bank of Omaha (via Mastercard)

First National Bank of Ottawa, The

First National Bank of Pontotoc

First National Bank-Arcadia LA

First Niagara (via Mastercard)

First Northern Credit Union

First Technology Federal Credit Union

First Tennessee Bank

First Utah Bank

Firstbank

Flextrip

FNB Community Bank

Food Maxx

Foot Locker

Footaction

Fort Worth City Credit Union

Fort Worth Community Credit Union

Founders Federal Credit Union

Fourth, The (via OpenTable)

Frankies 570 Sputino (via OpenTable)

Franklin Room, The (via OpenTable)

Free People

Free Printss

Freedom First Credit Union

Fremont Bank

Frost Bank

Gametime

Gap

Garcon (via OpenTable)

GE Credit Union

Generations Community Federal Credit Union

Georgia Brown’s (via OpenTable)

GetGo

Giant Eagle

Giant Eagle Express

Giant Eagle Market District

Golden 1 Credit Union, The

Golden Plains Credit Union

Goldenwest Federal Credit Union

GoldieBlox and the Movie Machine

Good Cents

Great Basin FCU

Greater Iowa Credit Union

Greater Nevada Credit Union

Grotta Azzurra (via OpenTable)

Groupon

Gruner (via OpenTable)

GTE Federal Credit Union

Guaranty Bank & Trust Company

Guaranty Bank & Trust, N.A.

Gulf Coast Bank and Trust Company

Gulf Coast Educators Federal Credit Union

Gulf Winds Federal Credit Union

H

Hartford Healthcare Federal Credit Union

Harveys Supermarket

Hawaii County Employees Federal Credit Union

Hawaii State Federal Credit Union

Healthcare Systems Federal Credit Union

Heartland Federal Credit Union

Heinz-Del Monte Federal Credit Union

Henrico Federal Credit Union

Heritage Community Credit Union

Heritage Grove Federal Credit Union

Highmark Federal Credit Union

Hiway Federal Credit Union

HMS Host

Hobby Lobby

Honda Federal Credit Union

Honesdale National Bank, The

Hotel Tonight

House of Hoops by Foot Locker

Houston Texas Fire Fighters Federal Credit Union

Houzz

Hubbard (via OpenTable)

Hudson River Community Credit Union

Hudson Valley Federal Credit Union

Hughes Federal Credit Union

Huntington Federal Savings Bank

HyVee

Iberiabank

Idaho Central Credit Union

Il Bistro (via OpenTable)

Il Buco (via OpenTable)

Il Buco Alimentari & Vineria (via OpenTable)

Il Fornaio - San Francisco (via OpenTable)

ilili (via OpenTable)

Illiana Financial Credit Union

Illinois National Bank

Illinois State Police Federal Credit Union

Indiegogo

Innovations Federal Credit Union

INOVA Federal Credit Union

Instacart

iQ Credit Union

J. Paul’s (via OpenTable)

J.P. Morgan

Jack’s Sliders and Sushi (via OpenTable)

Jackthreads

Jaleo Crystal City (via OpenTable)

Jardiniere (via OpenTable)

Jax Federal Credit Union

Jewel Osco

John Barleycorn (via OpenTable)

Johns Hopkins Federal Credit Union

JoJo (via OpenTable)

Justice Federal Credit Union

Kane County Teachers Credit Union

Keep Shopping

Keesler Federal Credit Union

Kemba Credit Union

Kent Credit Union

Key Bank (via Mastercard)

KeyPoint Credit Union

Kids Foot Locker

Kinetic Credit Union

Kirtland Federal Credit Union

Kmart

Kohl's

Kum & Go

L&N Federal Credit Union

La Caraquena Latin American Cuisine (via OpenTable)

La Terre Federal Credit Union

La Toscana Ristorante (via OpenTable)

Lady Foot Locker

Lafayette (via OpenTable)

Lake Michigan Credit Union

Lake Sunapee Bank

Landmark Credit Union

Langley Federal Credit Union

Laramie Plains Community Federal Credit Union

Le Cirque (via OpenTable)

Lecosho (via OpenTable)

Legend Bank NA

Levi’s Stadium

Liberty Savings Bank, F.S.B.

Library at the Public - Joe’s Pub, The (via OpenTable)

Library of Congress Federal Credit Union

LIFX

Lincoln (via OpenTable)

Listerhill Credit Union

Locande Verde (via OpenTable)

Lone Star State Bank of West Texas

Longhorn Steakhouse

Los Angeles Federal Credit Union

Loulay (via OpenTable)

Lowe's 

Lucky

Lure + Till (via OpenTable)

Luther Burbank Savings

Lyft

M&T Bank

Macy’s

Maggiano's 

Maloney & Porcelli (via OpenTable)

Marine Bank & Trust

Marion & Polk Schools Credit Union

Mark Restaurant by Jean-Georges, The (via OpenTable)

Market District Express

Market Street Grill (via OpenTable)

MassMutual Federal Credit Union

Mastercard

McDonald’s

McGraw-Hill Federal Credit Union

McHenry County Federal Credit Union

Meadows Bank

Meadows Credit Union

Meijer

Meijer Credit Union

Mendo Lake Credit Union

Menlo Grill Bistro & Bar (via OpenTable)

Mercantile Bank

Mercantile Bank of Michigan

Mercer Kitchen (via OpenTable)

Merchbar - Merch & Vinly

Merck Employees Federal Credit Union

Merco Credit Union

Meridian Trust Federal Credit Union

Merrill Lynch

Merrimack Valley Credit Union

Michaels

Michigan State University Federal Credit Union

Michigan Tech Employees Federal Credit Union

Mid-Hudson Valley Federal Credit Union

MidFirst Bank

Midflorida Credit Union

MidState Federal Credit Union

Miller’s Guild (via OpenTable)

Mississippi National Guard Federal Credit Union

Mississippi Telco Federal Credit Union

Missoula Federal Credit Union

Missouri Bank

MLB.com

MLB.com Ballpark

Moe’s Cantina (via OpenTable)

Montgomery County Federal Credit Union

Mountain America Credit Union

Mountain Credit Union

Mountain Valley Bank

Municipal Credit Union

My Goods Market

NAPUS Federal Credit Union

NASA Federal Credit Union

National Bank & Trust Company of Sycamore, The

National Bank of Arizona

National Bar & Dining Rooms, The (via OpenTable)

National Institutes of Health Federal Credit Union

Navy Federal Credit Union

Neighborhood Credit Union

Nevada State Bank

New England Federal Credit Union

New Mexico Educators Federal Credit Union

New Yorker Restaurant (via OpenTable)

Nike

NJ Gateway Federal Credit Union

Northeast Credit Union

Northwest Federal Credit Union

Nostrana (via OpenTable)

Novartis Federal Credit Union

Nucor Employee’s Credit Union

NuMark Credit Union

Numerica Credit Union

Nymeo Federal Credit Union

Obica - Mozzarella Bar (via OpenTable)

Ocean Grill (via OpenTable)

Odeon, The (via OpenTable)

Office Depot

Old Glory (via OpenTable)

Old Navy

Old Point National Bank

Olive Garden

One Bank & Trust, N.A.

One Nevada Credit Union

Ontario-Montclair School Employees Federal Credit Union

Open Table

Oregonians Federal Credit Union

Otero Federal Credit Union

Pacific Community Credit Union

Pacific Enterprise Bank

Pacific NW Federal Credit Union

Pacific Postal Credit Union

Paducah Bank and Trust Company, The

Panera Bread
Paolo’s Ristorante (via OpenTable)

Park Bistro & Bar, The (via OpenTable)

Parlin DuPont Employees Federal Credit Union

Partners 1st Federal Credit Union

Partners Federal Credit Union

Pasadena Federal Credit Union

Patelco Credit Union

Paulaner Brauhaus & Restaurant (via OpenTable)

Peapack Gladstone Bank

Pearl and Ash (via OpenTable)

PenFed (Pentagon Federal Credit Union)

Penn East Federal Credit Union

People’s Community Federal Credit Union

People’s Trust Federal Credit Union

Peoples Bank

Peoples Choice Credit Union

Permier Community Credit Union

Perry St (via OpenTable)

Petco

Petsmart

Petty Cash Taqueria (via OpenTable)

Phillips 66

Piccino (via OpenTable)

Pima Federal Credit Union

Ping Pong Dim Sum (via OpenTable)

Pinnacle Bank

Pinnacle Bank Sioux City

Pinnacle Bank Texas

Pinnacle Bank Wyoming

Pittsford Federal Credit Union

Plouf (via OpenTable)

PM Prime (via OpenTable)

PNC

Polish & Slavic Federal Credit Union

Portland Prime (via OpenTable)

Pose

Postmates

Prasino (via OpenTable)

Premier Community Bank

Premier Credit Union

Premier Members Federal Credit Union

Prestige Community Credit Union

Priceline Hotels, Flights and Cars

Pricerite

Prime Meats (via OpenTable)

PrimeTrust Financial Federal Credit Union

Print Studio

Priority One Credit Union

Proponent Federal Credit Union

Provident Credit Union

Publix

Pulaski Bank

Pump Room (via OpenTable)

Purdue Federal Credit Union

Pyramid Federal Credit Union

Quality Italian (via OpenTable)

QuikTrip

RaceTrac

Radioshack

Radius - San Francisco (via OpenTable)

RadPad

Range (via OpenTable)

Redwood Credit Union

Regions Bank

Reliant Federal Credit Union

Revival Bar+Kitchen (via OpenTable)

Riegel Federal Credit Union

RingSide Fish House (via OpenTable)

RingSide Steakhouse (via OpenTable)

RiteAid Pharmacy

River Valley Credit Union

Rivermark Community Credit Union

Roanoke Valley Community Credit Union

Rockit Bar & Grill (via OpenTable)

Roofers Union (via OpenTable)

Royal Credit Union

Ruby Foo’s (Times Square) (via OpenTable)

Run by Foot Locker

Sabine Federal Credit Union

Sacramento Credit Union

Sage - A Plant Based Bistro (via OpenTable)

Salal Credit Union

Sam's Club

San Diego Firefighters FCU

San Francisco Federal Credit Union

San Francisco Fire Credit Union

San Mateo Credit Union

Sandia Area Federal Credit Union

Sauce: Belden (via OpenTable)

Save Mart

Savings Bank of Danbury

Schools Financial Credit Union

SchoolsFirst Federal Credit Union

Scient Federal Credit Union

Sears

Seasons 52

Seasons Federal Credit Union

SeatGeek Tickets

Seattle Metropolitan Credit Union

Security Service Federal Credit Union

Sephora
Service Credit Union

Seven Seventeen Credit Union, Inc.

Shaws

Sheetz

Shell

ShopRite

Short Order (via OpenTable)

Silicon Valley Bank (via Mastercard)

Simmons First National Bank

Siouxland Federal Credit Union

six:02

SkyOne Federal Credit Union

Smith & Wollensky (New York) (via OpenTable)

Sonoma County Grange Credit Union

Sons of Essex (via OpenTable)

Sooper Credit Union

Sosh

South Carolina Federal Credit Union

South Florida Educational Federal Credit Union

South Metro Credit Union

Southern Federal Credit Union

Southern Hospitality (via OpenTable)

Southern Mississippi Federal Credit Union

Southwest

Southwest 66 Credit Union

SPIRE Credit Union

Spokane Teachers Credit Union

Sports Authority

SpotHero

Spring

SSFCU (via Mastercard)

St. Vincent (via OpenTable)

Staley Credit Union

Standard Grill, The (via OpenTable)

Staples
Star Market


Star Tech Federal Credit Union

Star USA Federal Credit Union

Starbucks

Starwood

State Bank of Chilton

State Department Federal Credit Union

State Employees Credit Union of Maryland, Inc.

State Highway Patrol Federal Credit Union

Statewide Federal Credit Union

Stayful

Stockman Bank of Montana

Stones Throw (via OpenTable)

Stubhub!

Subway

Summit Credit Union

Summit Federal Credit Union, The

Suncoast Credit Union

Sunda (via OpenTable)

Sunoco

SunTrust

Sussex County Federal Credit Union

Synchrony Bank

Synchrony Financial (via Mastercard)

Tamarind (Tribeca) (via OpenTable)

Tampa Bay Federal Credit Union

Target
TCF National Bank

TD Bank N.A.

Tech Credit Union

Technology Credit Union

Teddy & The Bully Bar (via OpenTable)

Tennessee Valley Federal Credit Union

Tete Charcuterie (via OpenTable)

Texaco

Texas Bank and Trust

Texas Capital Bank

Texas First Bank

Texas Telcom Credit Union

ThirdLove

Threadflip

Three Restaurant & Bar (via OpenTable)

Ticketmaster

tickets.com

Tomah Area Credit Union

Torrington Municipal & Teachers FCU

TouchOfModern

Town and Country Bank

Toys ‘R Us

Transportation FCU

Tray Kitchen (via OpenTable)

Trenchermen (via OpenTable)

Trona Valley Community Federal Credit Union

Trou Normand (via OpenTable)

True North Federal Credit Union

TruMark Financial Credit Union

Tucson Federal Credit Union

U-Mass Five College Federal Credit Union

U.S. Bank

U.S. Trust

Uber

Ume Federal Credit Union

Uncle Credit Union

UniBank For Savings

Union Sushi + Barbecue Bar (via OpenTable)

Unite Urban Grill (via OpenTable)

United Community Bank

United Federal Credit Union

United Nations Federal Credit Union

United Southern Bank

United Supermarkets

University Credit Union

University Federal Credit Union

University First Federal Credit

University of Toledo Federal Credit Union

unleashed by Petco

Urban Outfitters

US Bank

US Bank (via Mastercard)

US Community Credit Union

USAA

USAlliance Federal Credit Union

USF Federal Credit Union

Utah Federal Credit Union

Utah First Federal Credit Union

Utah Power Credit Union

UW Credit Union

Vectrabank Colorado National Association

Vera (via OpenTable)

Veridian Credit Union

Vermont State Employees Credit Union

Virginia Credit Union

Visa

Vons Employees Federal Credit Union

VyStar Credit Union

Walgreens

Walmart

Walt Disney World

Wanigas Credit Union

Washington Community FCU

Washio

Wawa

Wegmans

Wells Fargo

Wendy's 

Weokie Credit Union

WesBanco Bank

Wescom Credit Union

Westmoreland Community Federal Credit Union

Whole Foods

Wings Financial Credit Union

Winn Dixie

Winthrop Area Federal Credit Union

Winthrop-University Hospital Employees Federal Credit Union

Wood & Huston Bank

Wood & Vine (via OpenTable)

Wright Patman Congressional Federal Credit Union

Yard House

Yolo Federal Credit Union

York Educational FCU

Zia Credit Union

Zions First National Bank

Total 63 526 199
725