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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

#171

Post by throwaway894345 »

bayindirh wrote: post #154
throwaway894345 wrote: post #81

Earlier quoted context omitted.

I studied abroad in France in 2012--at this time, all European card readers had been chip-based for quite a while and my US credit card didn't have one. I couldn't figure out how to use them and many store clerks had no idea what to do with my magnetic-strip credit card. I went to England in 2019, at which point cards in the US had been updated to use magnetic stripes, and everyone was using tap-to-pay. It turns out…

In Turkey you can move around almost cashless now. Taxis started to accept cards in droves due to the pandemic and some municipalities are integrating VISA/Master infra to the mass transport, so you can just travel with your card. Besides that, literally everywhere allows contactless payments. Even Visa/Master is changing their card designs to move vital information to the back of the card to prevent information thef…

Same in the US. I virtually never use cash. The only real problem I run into is the occasional "open bar"--drinks are free but there's still an etiquette that you should leave a tip which generally means cash.

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

#172

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]

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

#173

Post by duxup »

tantalor wrote: post #159
duxup wrote: post #26

Kinda weird. If a rando retail person pulls out their iPhone and asks me to tap... that's kinda strange in my mind. Something about "how do I know that isn't their personal phone?" would pop in my head. But things that seem awkward can become commonplace.

> how do I know that isn't their personal phone? Why would that be a concern to you? Either way you pay, get receipt, take your goods, and leave. It's not like you are stealing. Are you worried the clerk would MITM your payment and leave you without normal return/refund policy, since it wasn't a legit transaction?

I'm less concerned about anything complex and more about just paying the right folks.

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

#174

Post by verst »

0des wrote: post #24
reffaelwallen wrote: post #21

Impactful to Square?

Square is a different market segment, more of the first year, trendy-but-still-playskool retail merchant setup.

At my local farmers market every vendor uses Square to accept payments, but also seems to have iPhones themselves.

With this announcement I can very much see Square being removed from the equation in this small business without fixed store front scenario.

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

#175

Post by dbbk »

tut-urut-utut wrote: post #85
sabjut wrote: post #14

Clarification due to a somewhat confusing title: This is about the merchant using an iPhone to accept credit cards and other Tap to Pay devices. The customer was able to pay with Tap to Pay with their iPhone for a while now.

I honestly don't see what's so revolutionary about this. Why would anyone shell out multiple hundreds of € when a device that accepts payments can be purchased for a fraction of the iPhone price? E.g the most expensive device here [1] is only 120 €, and it can also print the bill. The cheapest that does the job is a mere 20 €.

If you already have an iPhone you don't need to buy an extra device, obviously.

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

#176

Post by tannedNerd »

pl0x wrote: post #151

Quoted post unavailable.

Eh, the apple article explicitly says other platforms soon. With all of apples recent anti trust issues I expect that to be less than a month or two or they could be accused harming smaller companies again by favoring stripe.

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

#177

Post by aquark »

Question for anyone in the know at Stripe ... does this make a iPhone work like the existing BBPOS WisePOS terminals and able to interact with a web app _without_ any code running on the phone itself (other than Stripe's)

Or is it more akin to the BBPOS Chipper readers and still needs a custom mobile app to interact with?

ie: can a platform built on Stripe use this for their customers without needing to supply a mobile app?

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

#178

Post by Macha »

stu2b50 wrote: post #113
tut-urut-utut wrote: post #85

Earlier quoted context omitted.

I honestly don't see what's so revolutionary about this. Why would anyone shell out multiple hundreds of € when a device that accepts payments can be purchased for a fraction of the iPhone price? E.g the most expensive device here [1] is only 120 €, and it can also print the bill. The cheapest that does the job is a mere 20 €.

Because a lot of people, going by the sales numbers, have iPhones? It’s more for very small businesses, who just need a quick and easy way to take card payments. Larger outfits will naturally invest in “real” PoS devices.

Plenty of sole trader workmen and taxi drivers and the like have the square terminal that, I just checked, costs €20. €20 to take payments from 100% of your customers rather than the 30-40% market share iPhone has here seems like a no brainer to me.

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

#179

Post by AnonHP »

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…

This would’ve been a lot more convincing if you’d stated the transaction fees for the $5 tips. :)

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

#180

Post by lxgr »

ucha wrote: post #167

EDIT: thanks everyone for quickly correcting my mistake, I missed the part that explained that more forms of contactless payments would be accepted I don't really understand why a merchant would use this feature. If you already use a PoS, why would you replace it with another one that only supports customers who own an Apple device? If you accepted only cash, maybe it's a small improvement because you can use your ex…

> why would you replace it with another one that only supports customers who own an Apple device?

It's not only Apple Pay:

> US merchants will be able to accept Apple Pay _and other contactless payments_

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