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Google shuts down GPay app and P2P payments in the US

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Re: Google shuts down GPay app and P2P payments in the US

#131

Post by kyrra »

skygazer wrote: post #33
kyrra wrote: post #16

Earlier quoted context omitted.

(googler, opinions are my own. I work in this space). There are 2 apps here, and their functionality varies by country. Google Wallet is more closely tied into the OS to handle tap-and-pay functionality. In the US (and most of the world), management of your cards happens within the Wallet app (this includes Mobile Drivers License, which works at TSA in airports). Google Pay has been through a rollcoaster in the US. W…

I think your employer has ADHD. Edit: perhaps, that sounded flippant to those consuming my karma, but that walk through of all the disjointed, scattered and abortive efforts really resonated with me as someone diagnosed with ADHD. It's how I would probably run a company if lacking pressure to channel my distractions into coherent plans.

I agree. :-D

Re: Google shuts down GPay app and P2P payments in the US

#132

Post by averageRoyalty »

tempest_ wrote: post #77
mdhb wrote: post #61

Earlier quoted context omitted.

I think this is a US centric thing maybe because the banking infrastructure is decades behind everyone else

Yeah, I think that is why I see less venmo/cashapp in Canada. Most(maybe all?) banks offer interact e-transfers and you can can send it to an email or phone number and be done.

Yep, Australia has used BSB/account number for many decades, and launched the NPP (instant transfer between banks proxied via the reserve bank) almost a decade ago that allows you to register your own identifiers like phone number, email, etc.

Last time I was in America (admittedly 5 years ago now), most places didn't even do Apple Pay (we had this near ubiquitous 9 years ago), you needed a physical card and to _sign_ for things most places (we phased out signatures a decade ago because they're quite insecure) and most places seem to accept paper cheques with all the risks and complexities they come with.

I'm not trying to have a pissing contest with America here, but what the fuck are they doing? They seem to arbitrarily decide to dig their feet on for "personal freedoms and choices" for things that benefit them whilst simultaniously giving them away for things that don't.

Re: Google shuts down GPay app and P2P payments in the US

#133

Post by averageRoyalty »

mariasykk wrote: post #84

Someone mentioned that in Europe you can send via IBAN to anyone. Well in Ukraine you can just use card number and send money to any bank. There is virtually no bank in Ukraine that doesn’t support this. Obviously IBAN also works for that, but nobody uses it for P2P, only to pay companies for provided services. It’s a big surprise for me that people actually need third party apps for P2P money transfers.

In Australia we've been able to do BSB (simpler domestic version of IBAN) for decades, and we introduced NPP 6 years ago. All banks now have instant transfer between each other via the BSB method or via your own unique identifier you can pick and give out (your phone number, email, etc).

The focus on P2P pay makes me think that despite how profitable Google and Apple are, their mindset is still US centric which is surely not the country the majority of their profit comes from, given their global reach. Surely they leave money on the table constantly with this focus?

Re: Google shuts down GPay app and P2P payments in the US

#134

Post by jp57 »

jp57 wrote: post #52
lxgr wrote: post #41

Earlier quoted context omitted.

I think it's most likely still going to be sending money "via iMessage" (or more precisely: via a book transfer between two Green Dot Visa prepaid card accounts, addressed by an iCloud address and initiated over iMessage in UX terms).

What is new here exactly? This is AppleCash, which has been around for years.

Too late now to edit my original comment but this is what I missed: you can tap two phones together to transfer p2p. I.e. not iMessage mediated.

https://www.macrumors.com/2024/06/11/tap-to-cash-ios-18-pay-...

Re: Google shuts down GPay app and P2P payments in the US

#135

Post by dalyons »

Liquix wrote: post #62
kaibee wrote: post #50

Earlier quoted context omitted.

On the bright side, I think getting the money-sending integration would be more politically viable, at which point we can just piggyback the messaging on top of it.

SMS and cryptocurrency have largely solved the "send info or money to anyone instantly" problem. then entities stepped in to protect their walled gardens (governments in control of financial systems, apple, facebook, google) and viola, everything is fragmented and the problem has been unsolved. the issue was never making it happen technically, it's the entrenched power structures prioritizing money/power over actual…

SMS "solves" sending info, as long as you only want to send very short bits of text with uncertain deliverability.

Re: Google shuts down GPay app and P2P payments in the US

#136

Post by bschwindHN »

ilrwbwrkhv wrote: post #126
tgtweak wrote: post #122

Google really needs to start publishing LTS commitments on their new services - or put "beta" tags with disclosures on them - so at least you know how long they're guaranteeing support on a service you are getting committed to. The reputation they're accruing by killing all of these services is really affecting the consideration for new services. That is a very hard to measure and consider data point, but I can say f…

Yes. I'm actually worried about Golang too. Moved to it from Common Lisp but I am worried about the long term liability of it. They also started doing telemetry and other things in the language because it is being treated as a product and then what happens if Google loses interest in it? Would have gone all in on Rust if it just was aesthetically pleasing.

> Would have gone all in on Rust if it just was aesthetically pleasing.

I mean, the language can look a little ugly sometimes but the beauty is in the tooling and the reliable programs you end up making with it.

Re: Google shuts down GPay app and P2P payments in the US

#137

Post by niij »

westurner wrote: post #104
niij wrote: post #71

Earlier quoted context omitted.

FedNow is being implemented now across the industry. It is the "SEPA" for the USA. It will replace the 3rd party hacks (covering up the slow and tedious nature of ACH) that currently exist via Venmo, Cashapp, Zelle[0], etc [0]: Zelle is ran by a consortium of FIs. I don't know for certain what will happen to it, but I suspect if it stays around in name it would switch to the FedNow rail behind the scenes.

/? fednow API: https://www.google.com/search?q=fednow+api [...] - From https://explore.fednow.org/resources?id=67#_Who_should_downl... : > Who should download the FedNow ISO 20022 message specifications and how can I access them? > The Federal Reserve is using the MyStandards® platform to provide access to the FedNow ISO 20022 message specifications and accompanying implementation guide. You can access these on the F…

Some of these sentences seem sort of related. You're just linking to Google searches and providing random snippets from linked sites. Overall this comment and many of the comments in your history look like spam.

Re: Google shuts down GPay app and P2P payments in the US

#138

Post by qingcharles »

niij wrote: post #137
westurner wrote: post #104

Earlier quoted context omitted.

/? fednow API: https://www.google.com/search?q=fednow+api [...] - From https://explore.fednow.org/resources?id=67#_Who_should_downl... : > Who should download the FedNow ISO 20022 message specifications and how can I access them? > The Federal Reserve is using the MyStandards® platform to provide access to the FedNow ISO 20022 message specifications and accompanying implementation guide. You can access these on the F…

Some of these sentences seem sort of related. You're just linking to Google searches and providing random snippets from linked sites. Overall this comment and many of the comments in your history look like spam.

It's the style of comments you get on a lot of conspiracy sites. I see comment styles like that on a lot of articles linked from places like rense.com.

Re: Google shuts down GPay app and P2P payments in the US

#139

Post by Ferret7446 »

tgtweak wrote: post #122

Google really needs to start publishing LTS commitments on their new services - or put "beta" tags with disclosures on them - so at least you know how long they're guaranteeing support on a service you are getting committed to. The reputation they're accruing by killing all of these services is really affecting the consideration for new services. That is a very hard to measure and consider data point, but I can say f…

Google does for paying customers. Google Cloud and Workspace (or whatever their "cloud office suite" is branded now) both have deprecation windows for launched features/products.

Re: Google shuts down GPay app and P2P payments in the US

#140

Post by jounker »

makeitdouble wrote: post #54
kaibee wrote: post #50

Earlier quoted context omitted.

On the bright side, I think getting the money-sending integration would be more politically viable, at which point we can just piggyback the messaging on top of it.

> at which point we can just piggyback the messaging on top of it. Which is exactly Google's messaging app strategy for as long as it existed. That's how we got messaging inside Google Maps.

As somebody who worked for Google, I think it’s adorable that you believe Google has a messaging app strategy. :)
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