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Apple unveils contactless payments via Tap to Pay on iPhone

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Re: Apple unveils contactless payments via Tap to Pay on iPhone

#61

Post by hunter2_ »

gandalfian wrote: post #31

Whinge: but the term "Tap to Pay" winds me up. "Hover to Pay" maybe, or "Contactless" makes sense. But tap the card reader with your card and you disturb the touchscreen and cancel the payment. Don't tap it's a trick.

Yeah, I never understood why "tap" and "contactless" became synonymous in this context, given that "tap" is an onomatopoeia for the sound of two objects making contact.

Is it possible that "contactless" actually refers to lack of electrical contacts (i.e., not using the gold pads)? We already have plenty of words for this idea: radio, wireless, inductive. Or is the intent to mean no physical contact whatsoever such that a tap would only be accidental?

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#62

Post by minitoar »

djrogers wrote: post #43
thebean11 wrote: post #13

Earlier quoted context omitted.

I don't think tap to pay can be skimmed in the same way you can with swiping. You'd have to actually clone the data on the NFC chip, which isn't possible through a tap from what I understand.

It’d be trivial for a rogue payment app to display one $ amount on the screen yet deduct another.

Presumably these apps will be heavily locked down and reviewed by Apple to mitigate this. Could also imagine iOS ux to help here (obviously could still be phished).

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#63

Post by ludamad »

hn_throwaway_69 wrote: post #55
TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

Eh, I hope it doesn't. Tipping needs to die out. I'd prefer to have the moving company pay the movers a living wage such that a tip would be unnecessary and politely refused.

I'd rather an industry standard payout, but the workers getting pay proportional to revenue is actually not a bad model. I just hate the analysis paralysis

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#64

Post by CharlesW »

twobitshifter wrote: post #54

It notes that it’s supported iPhone XS or later - what feature was added to the XS that is not in the X? When Apple names the “pro” model like this does it mean that the XR from the same generation is not supported?

Possibly this? https://9to5mac.com/2018/09/12/iphone-xs-and-iphone-xr-can-r...

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#65

Post by samwillis »

djrogers wrote: post #43
thebean11 wrote: post #13

Earlier quoted context omitted.

I don't think tap to pay can be skimmed in the same way you can with swiping. You'd have to actually clone the data on the NFC chip, which isn't possible through a tap from what I understand.

It’d be trivial for a rogue payment app to display one $ amount on the screen yet deduct another.

I suspect that Apple will have full control of the screen, like Apple Pay. Your POS app will call an apple+(stripe/other) api which will show the payment screen and enable the NFC hardware.

There will be no way of an app to display a fake payment screen in front of the real one, or accessing the NFT apis themselves. It's clearly one of the key reasons why Apple have not opened up the NFC hardware for outside developers.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#66

Post by jjice »

TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

While true that that could be nice, I don't think the burden of asking for an alternative like Venmo or CashApp like you listed is that high, and this case requires that the movers would also have an iPhone.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#67

Post by yuuu »

TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

I had movers a couple months ago and tried to tip them. Note that I don't ever carry cash and am a proponent of abolishing the Federal Reserve. I asked them for their Ethereum or Bitcoin address, and they said, "neither of us don't have that, but we take cash." I calmly tried to explain to them the evils of the Federal Reserve for around five minutes, then began to set them up with their own cryptocurrency wallets on their phones. I then plugged in my Ledger Nano S and had them each read me their public keys, which I entered into Ledger Live and sent them each their five dollar tip. It was a simple process and did not take longer than thirty minutes. By the end of the exchange, they were both very happy with the arrangement and thanked me profusely for setting them up to use the future of currency, although I was still in the process of explaining its importance.

"Teach a man to fish," they say, and I believe I did it on that day. I encourage everyone else to do the same.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#68

Post by TIPSIO »

hn_throwaway_69 wrote: post #55
TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

Eh, I hope it doesn't. Tipping needs to die out. I'd prefer to have the moving company pay the movers a living wage such that a tip would be unnecessary and politely refused.

This is obviously a bit flame-y / unrelated / political.

Regardless of how you personally feel about US wages and the 20% I already prepaid for tip through the company to them, to be able to send money to others would be useful.

There could be other cases besides tipping.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#69

Post by jjice »

kencausey wrote: post #46
losvedir wrote: post #33

Is this only for merchants? I feel like here in the US we still don't have a great way to send money back and forth with friends and family. Zelle is decent if both parties' banks support it, but otherwise I've tried Google Pay, Paypal, Venmo, and they all have some problem or another. A lot of them (I'm looking at you PayPal) require you to give them your bank username and password!

Regarding your allegation about Paypal, are you outside of the US? I ask simply because I am in the US and have never had to provide a username or password to my bank account to Paypal. I do have a bank account linked but it was done simply by Paypal making two small deposits to my account and then withdrawing them and asking me to tell them the amounts of the transactions. Given, this was many years ago, but I would…

Had the same process on PayPal 2 years ago, so at least that recently it's still the case.

Re: Apple unveils contactless payments via Tap to Pay on iPhone

#70

Post by [deleted] »

yuuu wrote: post #67
TIPSIO wrote: post #47

I would really like to see it become normal for tipping people this way (that isn't at a cash register / tap) but with AirDrop. For example, I recently had movers. I went out of my way to get a cash tip for them earlier. It would have been nice to skip that and just ping it at them somehow without awkwardly saying "Hey friend do you have Venmo? Apple Pay? CashApp? I'd like to tip you. What's your phone number?! Let m…

I had movers a couple months ago and tried to tip them. Note that I don't ever carry cash and am a proponent of abolishing the Federal Reserve. I asked them for their Ethereum or Bitcoin address, and they said, "neither of us don't have that, but we take cash." I calmly tried to explain to them the evils of the Federal Reserve for around five minutes, then began to set them up with their own cryptocurrency wallets on…

[deleted]
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