To people complaining about Apple getting too big and whether they should be allowed to roll out such services. Look at MasterCard and Visa. Lol
Apple announces Apple Card credit card
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Re: Apple announces Apple Card credit card
#732Earlier quoted context omitted.
The concept of virtual cards is that they're essentially single use -- they cancel themselves.
I think, the parent comment meant that they would like to get a virtual card, so that they can attach it to a service (e.g., create a virtual card for paying your netflix subscription only, and then another card for hulu only, etc.), and then simply remove that virtual card when they want to stop using that service. Especially helpful if the service makes you jump through a ton of hoops to cancel your subscription.
Correct. I use Apple Pay with a web service (Hover, domain registrations) and with an app service (Uber).
In the case of Hover, I have performed a single authorisation, and it is now capable of performing repeat transactions against my card. There is no interface within Apple Pay (that I can find) to remove that authorisation, I have to ask Hover to do that.
In the case of Uber, I perform an authorisation for an expense before I know what the amount is, and I'm not required to re-authorise when tipping.
The Hover example is the problem. Not specific to Hover, but rather specific to the lack of virtual card management within Apple Pay.
Virtual cards by definition do not have to be single use, (un)fortunately.
Re: Apple announces Apple Card credit card
#733I don't thing it is healthy to have big entities like this control fundamental services like payment processing. How long before the opaque governance of the App Store is applied to their payments offering? How long before activists start making this a new vector for deplatforming? Apple also announced a news offering ( https://www.techradar.com/news/apple-news-plus ) and I think the same concerns apply there.
We already have that. It's visa and mastercard. Even Apple depends on them.
Re: Apple announces Apple Card credit card
#734Earlier quoted context omitted.
No, people are wondering why cryptocurrencies haven't actually solved anything yet.
I always assumed that cryptocurrencies is exactly how SubscribeStar has solved it for their audience (if you mean "people" in general, them most of them aren't wondering about anything because they don't consider it a problem to begin with, at least until something they care about gets consistently censored). So I went and looked up their payment options. And sure enough, they have a page on that. Which has the follo…
Cryptocurreny processing is expensive as hell. Not to mention very frustrating when the client finds that the crypto bought with 1000$ values $800 on the merchant /processor payment page.
Re: Apple announces Apple Card credit card
#735With the rise of smartphone payments like Samsung Pay, Android Pay and Apple Pay , is there even a need for credit cards? How long until these companies start skipping payment processors like Visa and Mastercard and take the whole pie?
YMMV but I absolutely will not bite on non-creditcard-facilitated payments until/unless the same or better consumer protections are in place.
It's probably a different discussion, but I think the actual problem is that in the US consumer protection seems to be an optional feature of certain payment methods, like credit cards, rather than universal legislation applying to all consumers and sellers. I think consumers should benefit from a reasonable set of protections and rules regardless of which payment method they use to complete a transaction.
Re: Apple announces Apple Card credit card
#736Re: Apple announces Apple Card credit card
#737Earlier quoted context omitted.
Apple TV+ was announced for "100+ Countries at Launch".
but the content won’t likely be the same across regions. netflix for example has a very different library depending on where you are in the world. eg CANADA had about 50% of the US library in 2016 (many other regions sitting with UK/AU around 30-40%) ... but it still costs the same, and that’s not even the part that’s frustrating
When it comes to original content - and that's the main appeal of Apple TV+ - I'm confident that Apple understands that staggered releases aren't really an option these days. Netflix releases their originals at the same time in most markets. I'd expect Apple to do the same.
The access to third-party content (or lack thereof) isn't in Netflix' hands. That's basically the reason why they double down on their very own originals.
Re: Apple announces Apple Card credit card
#738Earlier quoted context omitted.
> They'd have to push an OS update that explicitly changes what they do to start sending that info to Apple, but the US legal system doesn't allow the government to compel them to make that kind of change Australia's does now.
I'm not quite sure exactly what Australia's laws actually let them do regarding Apple, but what I am sure of is if Australia tried to compel Apple to add a backdoor to iOS, Apple would stop doing business in Australia rather than comply.
Their position in China doesn't reflect that.
Re: Apple announces Apple Card credit card
#739Earlier quoted context omitted.
The CC networks are known cave to political pressure to shut down certain merchants. Apple is likely no better or worse here. example: https://www.eff.org/deeplinks/2015/07/caving-government-pres...
Why would we assume Apple would be no worse. Apple has a track record of disallowing all kinds of media that credit card companies have much less issue with. You're generally free to buy all kinds of things with your credit card that Apple disallows in their various terms of service.
Apple is not offering merchant services, so I don't see the relevance?
Re: Apple announces Apple Card credit card
#740Earlier quoted context omitted.
Look no further than the recent issue where Patreon competitor Subscribestar had payment processors Stripe and PayPal stop processing their payments for _political_ disagreements with the purported beneficiaries of the donations through the platform. PayPal said that it was actually one of the underlying payment processors, and it was suspected to be MasterCard. That incident was the first time I've ever taken the ne…
I’ve been told political campaigns focused on MC/Visa forced a policy change on Fetlife (specifically which kinks you’re allowed to admit to being into) a few years back. I’m not into the kink which caused it (and I won’t repeat it here) but that left a bad taste in my mouth. IMO, people should be free to discuss what they’re into, even when it’s something much more harmful than the kink involved.
The payment industry as a whole is in the stone age.. ignoring the antiquated technology behind it all there are still a ton of industry discussions about even allowing now-legal medical marijuana dispensaries and things like that to become customers. Given that it all goes back to Visa/MC/Banks I don't expect it to change much soon.
(I work in payments)