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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

#281

Post by wmeredith »

AlexanderTheGr8 wrote: post #264
throwaway22032 wrote: post #224

Hacker News is such a bizarre place. On the one hand, we have threads about how browsers are fingerprintable and some app is using telemetry and endless discussions on theoretical zero-knowledge protocols and the importance of cryptography and Snowden saying this and that that get voted up to the top. On the other hand, something like this comes up which is basically another step along the "no-one accepts cash" funne…

How long before some stores don't accept cash? How long before banks do a background check (taking weeks) before giving you cash?

> How long before some stores don't accept cash?

This already happens. My closest NFL and MLB stadiums do not accept cash for anything inside the park.

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

#283

Post by tantalor »

duxup wrote: post #173
tantalor wrote: post #159

Earlier quoted context omitted.

> 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.

That's literally the job of the clerk, not you.

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

#284

Post by jurmous »

larkost wrote: post #225
jurmous wrote: post #111

Earlier quoted context omitted.

We in The Netherlands are one of the most cashless societies in Europe. We mostly pay with our mobiles or contactless with banking cards. We even are "going Dutch" sharing our bills with what we call a Tikkie: One person pays the bill and then we send over instant messaging our payment request for money which can be payed directly with one click and authentication in banking app. One thing that is annoying for foreig…

For Americans visiting the Netherlands one word of caution: many of the pay terminals (especially the parking ones) do not seem to like U.S. cards, and even some the vendors from Europe. When we were on vacation there a few years ago it was a roulette game to figure out if parking meters would take my card or that of my father in law (from Hungary). The problem is that they have a local exchange there, and do not hav…

Most shops in the Netherlands work with maestro of mastercard and vpay of Visa. It is directly linked to our bank credit and has low transaction fees. Maestro and vpay is accepted all over the world. We work directly with IBAN numbers and not with credit card types like mostly in the world.

Normal Mastercard/visa credit don’t work here since shops have to pay way higher transaction fees while almost nobody uses them.

https://en.m.wikipedia.org/wiki/Maestro_(debit_card) https://en.m.wikipedia.org/wiki/V_PayPlease

It will be phased out though in 2023 to Mastercard debit and visa debit so likely in the future Netherlands payment system will be more aligned with what other countries use.

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

#285

Post by Hakashiro »

websap wrote: post #246
throwaway22032 wrote: post #224

Hacker News is such a bizarre place. On the one hand, we have threads about how browsers are fingerprintable and some app is using telemetry and endless discussions on theoretical zero-knowledge protocols and the importance of cryptography and Snowden saying this and that that get voted up to the top. On the other hand, something like this comes up which is basically another step along the "no-one accepts cash" funne…

Carrying cash comes with inherent risks.

And Apple Pay is much harder to trace (except for Apple and your bank I guess?) than just using a plastic static card.

I can't count the amount of times I've lost or been robbed physical bills. Never once have money siphoned out of my online bank. I don't use cash anymore, I'm all digital, and still use a VPN to watch porn.

Turns out different people have different threat models. My threat model includes my neighbour, my ISP (to a certain extent), my employer (again, to a certain extent), private companies like Google or Facebook, burglars, thieves, and scammers.

It doesn't include the NSA, the government, the NSO group, banks, or North Korean government-sponsored hackers. If you think you can defend yourself against the NSA, lol. Good luck.

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

#286

Post by theshrike79 »

hk__2 wrote: post #156
jurmous wrote: post #111

Earlier quoted context omitted.

We in The Netherlands are one of the most cashless societies in Europe. We mostly pay with our mobiles or contactless with banking cards. We even are "going Dutch" sharing our bills with what we call a Tikkie: One person pays the bill and then we send over instant messaging our payment request for money which can be payed directly with one click and authentication in banking app. One thing that is annoying for foreig…

Can’t speak for other countries, but in France and Northern Italy this is the same: contactless cards everywhere. I live in France and --I have to check my banking app to check this because I don’t remember-- the last time I went to a cash machine was almost one year ago.

Ditto for Finland. Contactless cards or mobile phone payments work everywhere.

I haven't touched cash ever since covid hit, and very rarely before it.

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

#287

Post by wyager »

throwaway22032 wrote: post #224

Hacker News is such a bizarre place. On the one hand, we have threads about how browsers are fingerprintable and some app is using telemetry and endless discussions on theoretical zero-knowledge protocols and the importance of cryptography and Snowden saying this and that that get voted up to the top. On the other hand, something like this comes up which is basically another step along the "no-one accepts cash" funne…

Payment digitization is inevitable. The benefits outweighs the costs for 95% of people. The realistic options are payment through dystopian surveillance apparatus payment processors, or payment through bitcoin lightning (or similar).

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

#288

Post by cromka »

throwaway894345 wrote: post #171
bayindirh wrote: post #154

Earlier quoted context omitted.

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.

> drinks are free but there's still an etiquette that you should leave a tip which generally means cash.

In my experience on such rare few occasions I was able to tip with Venmo.

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

#289

Post by MikeKusold »

throwaway22032 wrote: post #224

Hacker News is such a bizarre place. On the one hand, we have threads about how browsers are fingerprintable and some app is using telemetry and endless discussions on theoretical zero-knowledge protocols and the importance of cryptography and Snowden saying this and that that get voted up to the top. On the other hand, something like this comes up which is basically another step along the "no-one accepts cash" funne…

Paying with your phone is actually more secure than the old mag-swipe method. Your phone will tokenize your credit card information, which makes it significantly harder to track credit card usage across various merchants.

Of course it isn't as private as cash, but it is a step forward from mag-swipe.

Square has a good explainer if you want to read more: https://squareup.com/us/en/townsquare/what-does-tokenization...

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

#290

Post by aquark »

edwinwee wrote: post #267
aquark wrote: post #177

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 mobi…

It's designed to work through a mobile app via the iOS SDK: https://stripe.com/docs/terminal/payments/setup-sdk?terminal... .

Thanks -- appreciate the reply.

As a future product option I'd love to be able to treat these as standalone terminals, so we can offer a web based POS app (running on a different device) and the phone as a payment terminal without having to deploy our own mobile app.

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