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Stripe and Apple Pay

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Re: Stripe and Apple Pay

#41

Post by induscreep »

pc wrote: post #7
nextstep wrote: post #4

I'm not sure I understand Stripe's value proposition here. What is the benefit of using Stripe's library over using ApplePay (PassKit) directly? (Honest question)

You can't use Apple Pay directly: you have to use it with a supported payment platform. (List is at https://developer.apple.com/apple-pay/. )

You actually can:

"The alternative is to provide your own server-side solution to receive payments from your app, decrypt payment tokens and interface with the payment provider. Handling credit and debit card payments can be complicated and unless you already have the expertise and systems in place, an SDK from a payment provider is the quickest and most reliable way to support Apple Pay in your app."

From: https://developer.apple.com/apple-pay/Getting-Started-with-A...

Re: Stripe and Apple Pay

#42

Post by berelig »

amfeng wrote: post #37
thegreatpeter wrote: post #35

What scares me is that Stripe knew my email address and prefilled the box.

Hi! We only prefill your email address if you're logged into your Stripe account while looking at that page. Hope that clarifies things.

And here I thought he was making a joke about his address being j.appleseed@example.com.

Doh!

Re: Stripe and Apple Pay

#43

Post by induscreep »

Igglyboo wrote: post #20
nextstep wrote: post #4

I'm not sure I understand Stripe's value proposition here. What is the benefit of using Stripe's library over using ApplePay (PassKit) directly? (Honest question)

Apple Pay doesn't actually deal with banks or credit card processors. It's just the frontend for the actual physical payment(card swipe or nfc).

Then why does Apple Pay have to be "compatible" with visa/MC/Amex? I don't think it just stores a digital version of the credit card...

Re: Stripe and Apple Pay

#45

Post by awicklander »

pc wrote: post #7
nextstep wrote: post #4

I'm not sure I understand Stripe's value proposition here. What is the benefit of using Stripe's library over using ApplePay (PassKit) directly? (Honest question)

You can't use Apple Pay directly: you have to use it with a supported payment platform. (List is at https://developer.apple.com/apple-pay/. )

So is Apple Pay in essence another way to get a credit card processed against stripe? If you have an app that customers can store credit cards on, it's not clear to me what the additional benefit of apple pay is? Is it simply a better/faster way of getting the card information to stripe by way of thumb press as opposed to key entered?

Re: Stripe and Apple Pay

#46

Post by comex »

unfunco wrote: post #34
zwily wrote: post #21

Earlier quoted context omitted.

They could use Continuity-type stuff to have you verify the payment from your phone, that's happening in your desktop browser.

Which sort of makes sense with today's announcements, they said they had the ability to now detect between taps and presses with the Apple Watch, that technology seems like it could be easily integrated under a trackpad as-well...

Apple trackpads can already distinguish between a finger touching them and being physically depressed, though I don't know what it has to do with payments.

Re: Stripe and Apple Pay

#47

Post by jonknee »

awicklander wrote: post #45
pc wrote: post #7

Earlier quoted context omitted.

You can't use Apple Pay directly: you have to use it with a supported payment platform. (List is at https://developer.apple.com/apple-pay/. )

So is Apple Pay in essence another way to get a credit card processed against stripe? If you have an app that customers can store credit cards on, it's not clear to me what the additional benefit of apple pay is? Is it simply a better/faster way of getting the card information to stripe by way of thumb press as opposed to key entered?

I suppose the idea would be that you want to lower the barriers to payment and a thumb press is pretty low.

Re: Stripe and Apple Pay

#48

Post by jonknee »

induscreep wrote: post #41
pc wrote: post #7

Earlier quoted context omitted.

You can't use Apple Pay directly: you have to use it with a supported payment platform. (List is at https://developer.apple.com/apple-pay/. )

You actually can: "The alternative is to provide your own server-side solution to receive payments from your app, decrypt payment tokens and interface with the payment provider. Handling credit and debit card payments can be complicated and unless you already have the expertise and systems in place, an SDK from a payment provider is the quickest and most reliable way to support Apple Pay in your app." From: https://d…

... That's not directly. The "interface with the payment provider" is what Stripe is and this lets you interface with Stripe.

Re: Stripe and Apple Pay

#50

Post by jonknee »

induscreep wrote: post #43
Igglyboo wrote: post #20

Earlier quoted context omitted.

Apple Pay doesn't actually deal with banks or credit card processors. It's just the frontend for the actual physical payment(card swipe or nfc).

Then why does Apple Pay have to be "compatible" with visa/MC/Amex? I don't think it just stores a digital version of the credit card...

The card issuers need to sign off on it for the liability purposes.
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