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Apple Pay

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31–40 of 225 posts

Re: Apple Pay

#31

Post by MBCook »

adorton wrote: post #15

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

Apple has three advantages. First, it's on iPhone, which is a ton of devices. Second, they already have your credit card because you've used it to buy apps or music, etc. Third, people will know this exists because of the media.

So if you get a new iPhone, you're ready to start using it almost immediately. I'm sure I'll use it.

With Android, Google has to get you to sign up for wallet and get you to know that you should want to. Plus you had to have a phone that supports it (I don't know how common that is among high end Android phones).

This is one of those situations where "just being Apple" is a huge advantage.

Re: Apple Pay

#32

Post by JohnTHaller »

Nickoladze wrote: post #20
adorton wrote: post #15

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

Hopefully this means stores will actually install the NFC readers or whatever.

Stores are already installing them to conform to the upcoming chip and signature standard rolling out across the US. You can tap most of your credit cards instead of swiping at the small number of merchants that have rolled it out (McDonalds, Staples, etc).

Re: Apple Pay

#33

Post by [deleted] »

julianpye wrote: post #14

Can someone local find out where exactly the Antenna is? Nokia devices have been great at this with the touchpoint at the edges, which feels natural, while most Android devices have an awkward spot somewhere in the lower middle. Is it on the Apple logo? This may still make it feel awkward to use.

[deleted]

Re: Apple Pay

#34

Post by guybrushT »

adorton wrote: post #15

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

I can only guess: but I believe that this will fly if the iPhone 6 is a hit, but it could really soar if the Apple Watch sells very well. Paying with something on my wrist seems more natural (slightly better UX?). If the products end up 'failing' (which for apple means sell like iPhone 5C) then this will just drag on like any product from an extremely large company like Google or Apple that just lives because they can push it on users.

Re: Apple Pay

#35

Post by csours »

adorton wrote: post #15

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

Millions of adoring fans who trust the Apple brand. People who turn on Apple Pay for "convenience" and then use it for "impulse buy"

Re: Apple Pay

#36

Post by Johnie »

rnernento wrote: post #7

I think I'm missing something on this, but how is it possible Apple isn't storing credit card information on the device or their servers? How are they connecting the payments you make with Apple pay back to the credit card you choose to use.

This is done via credit card tokenization. Tokenization is a major boom to the payment industry. However, there is a lot of complexity and moving pieces for all of this to work. But once it works, it'll unlock a lot of potential for startups to innovate in the payment industry.

http://www.emvco.com/specifications.aspx?id=263

Re: Apple Pay

#37

Post by ajju »

jasonbarone wrote: post #28
cjjuice wrote: post #16

Earlier quoted context omitted.

Jack Dorsey just posted on twitter that square will support Apple Pay. https://twitter.com/jack/status/509413534862544896

How will they actually accept the payment though? Apple Pay requires Touch ID (or Apple Watch), which is the consumer's device. Does that mean there will be an API for 3rd party developers to ACCEPT Apple Pay over the air? Or do they have to build a special Card Reader? Or would they have to bring back an Apple Pay supported Square Wallet app?

All POS systems that support NFC payments (which is most of the new ones I believe) support Apple pay by default.

Re: Apple Pay

#38

Post by eevilspock »

panabee wrote: post #13

One implication of Apple Pay is it erodes advantages of leaders like Uber. Minimizing payment and account friction means trying a new service becomes much easier.

The same way the App Store did that for software purchases.

Re: Apple Pay

#39

Post by junto »

kawera wrote: post #3

From all of today's announcements, this may be what really moves the needles (!)

Saying that, I would love to have been a fly on the wall after last weeks iCloud celebrity photos hack.

Apple's partners in this, including Visa, Mastercard and Amercian Express, as well as all those prominent banks must have been looking for reassurances that payment and card data was going to be safe.

It must have been an embarassing week.

Re: Apple Pay

#40

Post by cjjuice »

jasonbarone wrote: post #28
cjjuice wrote: post #16

Earlier quoted context omitted.

Jack Dorsey just posted on twitter that square will support Apple Pay. https://twitter.com/jack/status/509413534862544896

How will they actually accept the payment though? Apple Pay requires Touch ID (or Apple Watch), which is the consumer's device. Does that mean there will be an API for 3rd party developers to ACCEPT Apple Pay over the air? Or do they have to build a special Card Reader? Or would they have to bring back an Apple Pay supported Square Wallet app?

I believe apple pay is just using same nfc infrastructure already in place for a while. The same infrastructure google wallet and others are targeting.
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