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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

#661
post #561

Earlier quoted context omitted.

Apple Wallet is already in macOS, but Apple Pay is only in Safari

There's no wallet on macOS; Safari does enable you to use Apple Pay on your Apple Watch or iPhone to pay for things on websites.

Yes, there is a wallet on macOS. If your macbook or keyboard has Touch ID, then you don't need your phone/watch to confirm that you are you.

https://support.apple.com/guide/mac-help/use-wallet-apple-pa...

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

#662

Earlier quoted context omitted.

For situations where laws allow for sub-standard wages, such as restaurant wait staff, I agree with you. It's not really an option, it's exhausting, there's no point. For situations that aren't codified into law like that, it can more legitimately be modulated according to how the service made you feel, from zero to "keep the change" to a couple bucks to sky's the limit. The former should be solved by abolishing tipp…

> laws allow for sub-standard wages, such as restaurant wait staff The law does not allow for sub-standard wages, however. If everyone stopped tipping today, wait staff would get the same minimum wage as any other job.

In Massachusetts, the minimum wage for tipped service staff is $6.15--appalling for 2022 with inflation hitting 30-year highs.

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

#663

Earlier quoted context omitted.

Thanks, I was actually pretty confused by this at first glance. As a non-Apple-user I've never personally used the feature, but I still thought that stuff like Tap to Pay was a somewhat large selling point for the Apple Watch. So for a second I wondered if I had just been drastically misunderstanding how that worked for a long time and had somehow never actually checked/verified that iPhones/Watch could do that.

I use it nearly every day and definitely for almost every purchase I make. I no longer carry around a wallet now that digital IDs are a thing and have only had 1 situation in the last 6 months where I needed a physical card because they had TTP disabled on their terminal.

I can pay with contactless / Apple Pay almost everywhere, except the largest grocer chain in Texas - H-E-B - doesn't support it. Unfortunately, this is where I make most of my purchases, so I end up using Apple Pay on infrequent other shopping trips.

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

#664
post #561

Earlier quoted context omitted.

Apple Wallet is already in macOS, but Apple Pay is only in Safari

There's no wallet on macOS; Safari does enable you to use Apple Pay on your Apple Watch or iPhone to pay for things on websites.

I use Wallet on macOS all the time with the built in Touch ID reader. I was actually surprised how many online stores accept Apple Pay via Safari. Even a local chain that delivers tacos takes it!

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

#665

Earlier quoted context omitted.

No software company wants to sell hardware outside of Apple. They only do so when forced to support their services. Software scales with a marginal cost of $0 and is much less messy. Before smart phones and generic hardware was a thing, I worked at a company that wrote software for field services (“sending people places to do things”) we had to resell and maintain custom ruggedized windows mobile devices, mobile sate…

No software company wants Apple to be anywhere near their business either. Apple greedily takes 30% and owns your customers. Apple is bad for business. When they come to your industry, be afraid.

Apple paid out over $60 billion to developers last year: https://techcrunch.com/2022/01/10/apple-paid-out-around-60-b....

Yes, Apple is huge multinational company that pays a little taxes as it can legally get away with; however, as of 2017, it was the largest tax payer in the world: https://www.apple.com/newsroom/2017/11/the-facts-about-apple...

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

#666
post #138
post #20

Three interesting implications from this press release: - Stripe as the first user of the SDK vs Square: For any small business starting this spring, I can't think of a reason why they wouldn't use and iPhone+Stripe to start off. Zero hardware cost (assuming they have an iPhone), no need to wait for hardware delivery. - NFC will be coming to the iPad. - The ability to keep the same hardware but switch payment network…

There are established people in this space with very easy to setup solutions, like Zettle (PayPal) for example - who also offer connected receipt printers, barcode scanners, tablet/phone terminals and integrations with ecommerce, accounting and so on. The only real advantage I can see Apple having is if they charged a lower transaction fee, but it's going through Stripe, so no - 2.9 % + 30c versus 1.75 %. I don't thi…

This is also going allow trivially easy bitcoin payments at some point: https://9to5mac.com/2021/12/28/comment-tim-cook-said-apple-i...

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

#667

Earlier quoted context omitted.

I am surprised Apple didn't make this a closed system and compete with Square for small businesses.

I am surprised Apple didn't make this a closed system and compete with Square for small businesses. Apple isn't Microsoft. When was the last time Apple created something consumer facing from scratch instead of using industry standards or market leaders if they exist? They generally don't explicitly compete with commodity businesses unless there's something unique they're attempting to accomplish. They do stuff just b…

The most obvious things are their cash cows: the iPhone and the app store.

The M1 is also customer facing, vs partnering with Intel to make it

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

#668
post #448

Earlier quoted context omitted.

It competes with anyone selling point of sale hardware. I think Square falls into that camp, no? I wouldn't want to be in that space right now. I don't see how this doesn't usurp a big chunk of their market since it isn't even a decision between buy this or buy that, but buy that or just use the thing already in my pocket.

This was my initial thinking, but then I think most businesses won't want to use a phone as their payment platform. My reasoning is that when I go into a business and I tap the Square terminal, I am assuming that terminal belongs to the business, because what individual would have their own square terminal. If the person who is ringing me up has an iPhone, and says "just tap this", there is a part of me that is wonde…

A bunch of the Square payments are done using a company owned iPad that sits in a Square holster

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

#669

"use their iPhone to seamlessly and securely accept Apple Pay, contactless credit and debit cards, and other digital wallets through a simple tap" other digital wallets = crypto?

other digital wallets = crypto?

Yes! WWDC should be pretty interesting this year: https://9to5mac.com/2021/12/28/comment-tim-cook-said-apple-i...

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

#670
Would I be able to use this to process payments at a garage sale without going through a bunch of hoops? That would be great.

I know you could theoretically use Zelle/Paypal/Venmo, but it seems much easier to just be able to accept a card payment. Plus, I wouldn't have to give strangers my email, phone number, or username, which would be needed for those payment methods.

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