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Apple Pay on pace to account for 10% of global card transactions

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Re: Apple Pay on pace to account for 10% of global card transactions

#341

Post by Hamuko »

deadmutex wrote: post #97
gregdoesit wrote: post #61

I had dinner with members of the Apple Pay team a year or two back. I asked them, “So, who are your competitors? Google Pay? PayPal?” They laughed. “No, we don’t really track them. We have one main competitor. Credit cards. We care about Apple Pay being better, easier and more convenient to use than any of your credit cards.” And then, finishing dinner, the guy paid with his Apple Watch, using Apple Pay. The waiter w…

Is it possible to use Google Pay to do contact free payments on iPhone?

No, the iPhone NFC is locked down.

Re: Apple Pay on pace to account for 10% of global card transactions

#342

Post by [deleted] »

jon-wood wrote: post #64
notJim wrote: post #26

I honestly love Apple Pay, but I don't use it super often because it makes me self-conscious. I feel like a bit of a dick for some reason. If you try to do something "weird" and it doesn't work, people get annoyed, or it feels like an imposition. Even when it works, people sometimes make some kind of comment. Relatedly, it's unpredictable whether it will work or not. It usually does, as long as the card machine says…

This is a very US biased thing. In the UK it’s been months since I last encountered a card reader that didn’t do contactless, and almost as long since I’ve been told a place doesn’t accept cards. These days you’ll get looked at funny if you put your card in the machine unless you’re doing a substantial transaction. I still carry a small amount of cash on me just in case, but the same £10 note has been sitting unused…

[deleted]

Re: Apple Pay on pace to account for 10% of global card transactions

#343

Post by LeonidasXIV »

Hamuko wrote: post #309
aggie wrote: post #167

Apple Pay is great, but I wish it was more universally accepted at point of sale. But in the US we're not even at consistency in any form of POS payment method. Disney World (Florida) notably spent a BILLION dollars implementing a wonderful contactless payments++ system called MagicBand. [1] Last week I was shocked that at Disneyland (California), where they haven't implemented MagicBand, they not only don't accept A…

In Finland pretty much all places support NFC cards and by extension Apple Pay. Yet to come across a place where it didn't work.

Same in Denmark. If you don't support contactless payments that basically means you're not in business.

That said, people mostly use cards; potentially because the bank apps that existed before were just really awful and didn't work the majority of the time. But Google Pay and Fitbit Pay work great.

Re: Apple Pay on pace to account for 10% of global card transactions

#344

Post by Hamuko »

gruez wrote: post #263
georgeburdell wrote: post #135

Semi-related, but is there a way to setup Apple Pay without disclosing your fingerprint? Unlike passwords, fingerprints are not protected by the 5th Amendment https://time.com/3558936/fingerprint-password-fifth-amendmen...

> Unlike passwords, fingerprints are not protected by the 5th Amendment what's the threat model here? that law enforcement will force to make apple pay transactions? that law enforcement will request fingerprint data from apple?

Probably that law enforcement will force you to unlock your iPhone.

Re: Apple Pay on pace to account for 10% of global card transactions

#345

Post by rimliu »

Hamuko wrote: post #309
aggie wrote: post #167

Apple Pay is great, but I wish it was more universally accepted at point of sale. But in the US we're not even at consistency in any form of POS payment method. Disney World (Florida) notably spent a BILLION dollars implementing a wonderful contactless payments++ system called MagicBand. [1] Last week I was shocked that at Disneyland (California), where they haven't implemented MagicBand, they not only don't accept A…

In Finland pretty much all places support NFC cards and by extension Apple Pay. Yet to come across a place where it didn't work.

I think Europe got rid of magstripes 15 years ago. IIRC 2005 was the deadline.

Re: Apple Pay on pace to account for 10% of global card transactions

#346

Post by zeeZ »

reaperducer wrote: post #174
ProfessorLayton wrote: post #107

Earlier quoted context omitted.

Agreed, I use Apple Pay semi-frequently, but in my experience the ergonomics taken a step back since I upgraded my iPhone. I went from pulling my phone out of my pocket with my thumb already on Touch ID > hold near reader > paid to pulling my phone out > hold near reader > phone says get face closer > double tapping the lock screen button which is kind of out of the way on my iPhone 11, and I've locked the screen ina…

pulling my phone out > hold near reader > phone says get face closer > double tapping the lock screen button which is kind of out of the way on my iPhone 11 You're doing it wrong. Pull phone out → double-click wallet button → Authenticate face → Hold next to reader → done.

On my Pixel 2: Pull phone out, putting on finger on the fingerprint reader while holding it > tap on terminal. It's just all one motion. Super convenient.

Re: Apple Pay on pace to account for 10% of global card transactions

#347

Post by simonebrunozzi »

AceJohnny2 wrote: post #108
simonebrunozzi wrote: post #85

Earlier quoted context omitted.

Much better to use contactless from your iphone. You don't broadcast it, it's via bluetooth and only lasts for a few seconds.

> it's via bluetooth NFC (same as contactless CCs), not Bluetooth.

Oh my... I don't even know why I wrote Bluetooth. Of course it's NFC. There are some similarities, but it's obviously two different protocols. I stand corrected.

Re: Apple Pay on pace to account for 10% of global card transactions

#348

Post by nielsbot »

bret791 wrote: post #279
needusername wrote: post #71

Earlier quoted context omitted.

> It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM Nope. That's deliberately confusing Apple marketing. You get one PAN per device. The new "number" is just the EMV unpredictable number. You get that with any EMV card. https://emvlab.org/emvtags/show/t9F37/ > and not care about skimming. Because the PAN is only valid for online authorized EMV transactions.

Mostly there, you get a tokenized PAN (DPAN) for every card enrollment. Remove, and re-add a card to your digital wallet and you'll get a new DPAN. The unpredictable number is an (of a few) inputs into the generation of the CVV3, which is also based on a dynamic key from the issuer. Key rotation is on the order of weeks to months (depending on issuer). This is the "unique number" per transaction (part of tag 57 https…

I think there's also a button in settings to get a new card number?

Re: Apple Pay on pace to account for 10% of global card transactions

#349

Post by bad_user »

I'm from Romania and Apple Pay was introduced here as well.

It's super convenient — before it I was thinking of switching to Android, once the battery on my iPhone 8 will become unusable, but Apple Pay will probably keep me on iPhone. No other similar service is available for Android yet.

Re: Apple Pay on pace to account for 10% of global card transactions

#350

Post by rimliu »

cavisne wrote: post #256

I don't believe the numbers. Apple pay is not useful outside of the US as contactless cards are better (don't need to unlock your phone and play around with a weird UI to make a payment), and prevalent. Weirdly within the US most cards dont have them. Within the US very few places support NFC, and super common workflows like paying at a sit down restaurant never support it (because of tipping). I suspect the research…

I am in Europe and Apple Pay is way more convenient, especially with Apple Watch. No need to fish my card from somewhere, double-tap the button and you are done.
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