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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

#401

Post by ryantriangles »

ticmasta wrote: post #183
dragonsky67 wrote: post #166

Earlier quoted context omitted.

In Australia I would say that about 90% of card transactions are contactless and of them a good 30% use some type of phone payment. Isn't even blinked at any more.

Is debit payment a big thing in Australia? For smaller payment amounts I see debit cards way more frequently than CC or mobile.

Debit payments are around 3x as popular as credit payments here and there is, last I heard, a 50-50 split between using cards and phones to make them. There's an interesting demographic association to it as well, credit is much much more popular with older people (50+). Every few months you see a "millennials are killing the credit card industry" fuss.

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

#402

Post by patja »

thom wrote: post #192
hprotagonist wrote: post #5

I unabashedly love apple pay and use it preferentially whenever I can. in the US, it's faster than chip-and-pin cards by a LOT. It rolls a new number every time I use it, so i can pay at sketchy gas stations at 2 AM and not care about skimming. More and more gas stations are upgrading their pump POS pads so i can refuel my bike without digging under my armour for my wallet. On websites, my only quibble is that it's o…

Yeah, absolutely love it. Just by virtue of breaking the £30 limit for contactless payments I now just never need my wallet. For a long time I held off upgrading my previous iPhone, and it never really occurred to me that Apple Pay was a killer app, but it's probably the single biggest quality of life upgrade that a piece of technology has given me in 5 years or so. My only sadness is that not many websites support i…

Speaking as someone currently in the throes of trying to get their website setup to accept Apple Pay...it is an enormous hassle. Probably 5x the hassle of setting up PayPal and 10x the hassle of setting up Stripe.

First you need to join the Apple Developer Program. Why? I'm not developing an app.

To join the Apple developer program you need an Apple device that will do two factor auth. So I go buy an iPhone 6 with a cracked screen solely for this purpose.

Then you need Apple to approve your DUNS number. I am one of the minority who already had one, so I didn't have to go through the whole process with Dun & Bradstreet to get one, but Apple would not accept it for several weeks until suddenly they did, with no change to the number or other company info.

And then, you need to schedule a phone interview! This is the point I'm at right now, so I can't tell you how many more hurdles there are to clear. I haven't had luck yet with the Apple "click here and your phone will ring any moment with a call from us" button on their website. Phone never rings.

And I haven't even got to the part where I pay $100 before accepting any payments, which Stripe and PayPal sure don't require.

You have to endure a lot of friction to eliminate payment friction for your customers.

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

#403

Post by ryantriangles »

ryukafalz wrote: post #118
needusername wrote: post #112

Earlier quoted context omitted.

Sure you can. It's not a special case. That's the beauty of Apple Pay. Industry standard protocol. If the merchant accepts contactless credit cards then Apple Pay will work. No need for any special hardware, any special software or any contract changes.

Typically in the US the waiter will take your credit card back to a payment terminal rather than bringing a card reader to you. Contactless isn’t really an option in that case.

It seems madness to give your card to someone to take off somewhere. In Australia they either bring you a terminal to touch at the table (for a fancier place), or you touch the terminal on your way out (for a casual place).

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

#404

Post by toasterlovin »

reaperducer wrote: post #169
notJim wrote: post #45

Earlier quoted context omitted.

Portland, OR, but I never saw anyone use it in Brooklyn, either. Though NYC is incredibly backwards as far as payment technology goes, and most places strongly prefer cash. I still get your reaction sometimes, or that look that says "I'm tolerating this, but you're annoying me."

Though NYC is incredibly backwards as far as payment technology goes Stores in NYC are reluctant to make upgrades because the profit margins are much narrower in NYC than in lesser cities.

Cash allows small businesses to understate their revenue to the IRS, since cash can’t be tracked.

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

#405

Post by blub »

sjwright wrote: post #225
needusername wrote: post #104

Earlier quoted context omitted.

They make it sound like there is a special "Apple sauce" that they built and strongly suggest they generate a new PAN for every transaction. The suggest that a "token" instead of a PAN is used for the transaction. This is very misleading. If you read it very carefully they are not wrong, but for the uninitiated a wrong impression is crated. They are using an industry standard protocol that is 25 years old.

You are right that the core of Apple Pay security is functionally identical to chip and contactless transactions. However a seemingly trivial but important difference with Apple Pay is that it doesn't use your physical card number—instead it uses a different card number randomly assigned to your device. The payment networks can therefore recognise Apple Pay-assigned numbers and know to demand full Apple Pay authentic…

Is that US-only maybe? I've had the last 4 digits of my CC printed on receipts paid with ApplePay in Europe.

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

#406

Post by avianlyric »

fouc wrote: post #359
avianlyric wrote: post #353

Earlier quoted context omitted.

I would avoid doing this. Mastercard guidance (and I assume Visa is the same) is to treat this behaviour as fraudulent. I once had a very long call trying to explain to a very upset Mastercard person why this behaviour wasn’t an issue. I don’t think they understood.

Mastercard client/user or Mastercard support/staff?

Mastercard staff member responsible for Apply Pay best practices.

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

#407

Post by pfranz »

hermanradtke wrote: post #298
jdminhbg wrote: post #214

Earlier quoted context omitted.

As far as I can tell, that's just poor design on Shopify's part. You can work around it by adding a discount code while checking out with a different method, bailing out, then going back through Apple Pay. It's kind of crazy that it's been broken for so long.

Apple’s UX guidelines make things like discount codes and expedited shipping harder to implement.

I've never implemented it, but their examples show expedited shipping and it looks pretty straightforward.

https://applepaydemo.apple.com

Unfortunately, their docs are explicit about discount codes, "Do not ask the user to perform any other tasks before presenting the payment request. For example, if the user needs to enter a discount code, you must ask for the code before they press the Apple Pay button."

https://developer.apple.com/library/archive/ApplePay_Guide/C...

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

#408

Post by nwsm »

ryantriangles wrote: post #403
ryukafalz wrote: post #118

Earlier quoted context omitted.

Typically in the US the waiter will take your credit card back to a payment terminal rather than bringing a card reader to you. Contactless isn’t really an option in that case.

It seems madness to give your card to someone to take off somewhere. In Australia they either bring you a terminal to touch at the table (for a fancier place), or you touch the terminal on your way out (for a casual place).

In the US an upscale place would never bring a terminal to your table. They give you a check (receipt), you put card or money down, they take it to their register, and bring back a customer receipt or change.

Money is often a taboo subject in the US, and I think that is bleeding into a slow adoption of touchless transactions in nice restaurants.

It will take at least 5 years for this part of US culture to give way to convenience and security.

*Note I've not spent much time on the west coast; I'm sure they're ahead on this

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

#409

Post by ValentineC »

patja wrote: post #402
thom wrote: post #192

Earlier quoted context omitted.

Yeah, absolutely love it. Just by virtue of breaking the £30 limit for contactless payments I now just never need my wallet. For a long time I held off upgrading my previous iPhone, and it never really occurred to me that Apple Pay was a killer app, but it's probably the single biggest quality of life upgrade that a piece of technology has given me in 5 years or so. My only sadness is that not many websites support i…

Speaking as someone currently in the throes of trying to get their website setup to accept Apple Pay...it is an enormous hassle. Probably 5x the hassle of setting up PayPal and 10x the hassle of setting up Stripe. First you need to join the Apple Developer Program. Why? I'm not developing an app. To join the Apple developer program you need an Apple device that will do two factor auth. So I go buy an iPhone 6 with a…

Huh, maybe it's because I'm using off-the-shelf software, but I've managed to get Invoice Ninja's Apple Pay integration [1] working with my Stripe account, with very little hassle.

[1] https://www.invoiceninja.com/payments-apple-pay/

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

#410

Post by thewebcount »

yalogin wrote: post #77
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…

You can pay using Apple Pay at restaurants? Has to be a special case right?

My spouse and I recently went to a TGI Friday's for the first time in like 2 decades. Apparently these types of restaurants (TGIF, Chilli's, Appleby's etc.) now all have a tablet device at the table where you can instantly order another drink, dessert, pay, or (for a price) let the kids play a game. You can use credit cards, and maybe contactless payments (don't remember off the top of my head). It's a neat innovation for a restaurant like that, but of course they make the experience horrible by having this screen at the table constantly showing ads for either other things you can get at the restaurant, or other random things. We usually turn them around so we don't have to see ads while we're trying to eat. But that's a whole other issue.
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