Android Pay and Google Wallet Have Merged to Become 'Google Pay'

[Gilligan's last elephant]

You are quite correct. But is seems weird that Apple did not choose the name “wallet” for their mobile pay system. But Google and Samsung chose the word “Pay” after Apple used it???

Are you not aware that Samsung bought the company Loop Pay which existed long before Apple Pay, which means Samsung Pay is the obvious name for their payment system which works with both NFC and mag stripe terminals. AKA everywhere 🙂
[doublepost=1515444600][/doublepost]

I'm confused, I use celsius everyday without decimal places...

Same thought occurred to me 🙂 Ialso get confused when people link Celsius with the metric system.

 

[tracker_oz]

Whatever it takes to make these mobile payment systems more mainstream, accepted, and the preferred method of payment, I’d say the better.

3 years after Apple Pay the payment system still is slowly catching on.

I think Apple Pay/Google Pay is much more convenient, secure, & quicker than any physical card when completing a purchase. But there’s still a constant issue of which merchants accept mobile payments.

The more tech companies come on board the easier and faster the adoption rate of actually utilizing the payment feature can be. As well as applying much needed pressure to the big retail holdouts like Walmart and Target to finally come on board too.

Well in Australia I can, and do, use Apple Pay at every POS point that has an RFID reader; about 99.9% of stores. I don’t even bother with my credit card any more. AP is simply more convenient and secure.

 

[Chupa Chupa]

My theory is that a lot of places actually would rather they didn't support it, which makes sense considering how much some hate taking cards in general.

I don't think it's a concerted effort, just disorganization and not a high priority. But again, why spend the money if you don't really care to support it. A store installs it as a customer service gesture. Otherwise they just ignore it like CVS or Home Depot or Walmart. But it's stupid for a store that does take it to not advertise it because a lot of times I need to run into the store after a morning run and all I have is my phone, no wallet. In those cases it's ApplePay or NoSale.

 

[lederermc]

This is a big problem. It like requiring customers to solve a puzzle before they can be customers. Some terminals have the NFC payment logo, some don't. Some have the logo but don't actually accept NFC. Some don't have a logo but do accept NFC. Some stores have branches with terminals that accept NFC but other branches have not be updated.

And then when stores that previously did not support NFC start supporting it they don't really advertise it. It's like you put all that money into updating your terminals why wouldn't you sing about it on the roof top?

Yes. it's confusing and it's even worse when the clerks don't know what going on in the terminal (Safeway@Seattle). However, I expect as terminals are replaced the new terminal will be NFC enabled. It can only get better and more consistent over time.

 

[fairuz]

I'm confused, I use celsius everyday without decimal places...

You can, but each degree is 9/5 that of a Fahrenheit degree, which is sometimes too large a jump. I usually see it reported with one decimal place.

 

[Iconoclysm]

Apple Pay was a rip off of Google wallet which came out 2 years before... If you want to trash talk Google for the 3rd transformation of their payment platform in the last 5 years go for it but at least get your facts straight

Purely wrong. Apple Pay was the first of these services to be a payment processor, not just storage for credit card numbers. Apple Pay guarantees purchases and uses token based payment. Please, got your own facts straight first.
[doublepost=1515446929][/doublepost]

Lol do you really believe Apple were the first to contactless payments?

There is more to this than contactless payments. It kills me that people like you think you know so much about this but actually know so little...then again, it's par for the course when it comes to anything related to Apple.
[doublepost=1515447054][/doublepost]

You are quite correct. But is seems weird that Apple did not choose the name “wallet” for their mobile pay system. But Google and Samsung chose the word “Pay” after Apple used it???

They didn't choose wallet because it's a payment system, not just storage for documents. This is also why similar services to Apple Pay, such as Google Pay, Android Pay, and Samsung Pay use the same naming conventions.
[doublepost=1515447120][/doublepost]

I used Google wallet on my Nexus S way back in 2011, so I'm not quite sure what you think they are ripping off

This is like facial recognition and FaceID all over again...you used nothing like Apple Pay before Apple Pay.

 

[Chupa Chupa]

Yes. it's confusing and it's even worse when the clerks don't know what going on in the terminal (Safeway@Seattle). However, I expect as terminals are replaced the new terminal will be NFC enabled. It can only get better and more consistent over time.

Ha. Yes, I've had the full Safeway experience. I noticed a "Now accepting..." sign at the store near me recently. Thought I'd give it a go during peak pre-dinner time. Nope. Looked like a fool tapping my phone all over the terminal for 30 seconds trying to get it to work. Then did the wallet pull of shame and used my credit card. No idea if it wasn't turned on yet or just wasn't working.

 

[Gilligan's last elephant]

You can, but each degree is 9/5 that of a Fahrenheit degree, which is sometimes too large a jump. I usually see it reported with one decimal place.

I can only imagine that decimal places would only be needed in a technical environment where Fahrenheit wouldn't be used any way as it is not an SI unit. Does it really matter if the outside temperature is reported as 22.5C rather than 22C?

 

[Stella]

Hmm... no.

BlackBerry had HFC payments, for Visa and Mastercard in 2013, before Apple Pay.

Token based payments ( of any kind ) were around before Apple Pay. Not an Apple invention. It is used also for Tap and Pay.

Purely wrong. Apple Pay was the first of these services to be a payment processor, not just storage for credit card numbers. Apple Pay guarantees purchases and uses token based payment. Please, got your own facts straight first.
[doublepost=1515446929][/doublepost]

There is more to this than contactless payments. It kills me that people like you think you know so much about this but actually know so little...then again, it's par for the course when it comes to anything related to Apple.
[doublepost=1515447054][/doublepost]

They didn't choose wallet because it's a payment system, not just storage for documents. This is also why similar services to Apple Pay, such as Google Pay, Android Pay, and Samsung Pay use the same naming conventions.
[doublepost=1515447120][/doublepost]

This is like facial recognition and FaceID all over again...you used nothing like Apple Pay before Apple Pay.

 

[tmiw]

I don't think it's a concerted effort, just disorganization and not a high priority. But again, why spend the money if you don't really care to support it. A store installs it as a customer service gesture. Otherwise they just ignore it like CVS or Home Depot or Walmart. But it's stupid for a store that does take it to not advertise it because a lot of times I need to run into the store after a morning run and all I have is my phone, no wallet. In those cases it's ApplePay or NoSale.

Oh, there's definitely not any sort of collusion involved among the major retailers, but fees have been a huge issue for many for quite a while. It's easy enough to enable it for the PR boost and then do very little else to promote it; if non-tech people don't see any indication that it's supported, they likely won't bother and will either insert their physical cards or very possibly just pay cash for smaller purchases (if they don't want to wait for the chip reader).

 

[aconnell11]

This is like facial recognition and FaceID all over again...you used nothing like Apple Pay before Apple Pay.

Except for the fact I totally did

 

[kdarling]

Apple has a separate Wallet app that keeps all of a person’s digital cards — payment and loyalty. That’s the purpose of a wallet. You don’t “pay” with your wallet, and I think Google finally realized that. 😛

Actually, Apple's version of a wallet was called "Passbook" for years. Remember?

Later on, Apple decided to go with the flow and changed the name to "Wallet" like everyone else was using, and everyone more or less settled on Pay=instant payment and Wallet=other.

--

I suspect that if/when we get electronic driver's licenses, Google will start up an app named wallet again. They drive me crazy with their constant fiddling.

 

[EdT]

You can, but each degree is 9/5 that of a Fahrenheit degree, which is sometimes too large a jump. I usually see it reported with one decimal place.

I hate the 9/5 fraction. Multiplying or dividing using fractions is cumbersome. 9/5 means 9 divided by 5, or 1.8. So F = (C x 1.8) + 32 and C = (F - 32) / 1.8.

 

[sinsin07]

snip...There's hundreds, maybe thousands of different banks spread across its regions, with no real central driving authority to develop and promote payment systems.

What abouth the NACHA?

In Canada there's (currently) 5 major banks, and in the '80s they got together and started a non-profit body called Interac to create a universal payment system, ...snip

Inerac, started in 1984, ten years after US created NACHA.
"About NACHA – The Electronic Payments Association
Since 1974, NACHA – The Electronic Payments Association has served as trustee
of the ACH Network, managing the development, administration and rules for the
payment network that universally connects all 12,000 financial institutions in the U.S.
The Network, which moves money and information directly from one bank account to
another, supports more than 90 percent of the total value of all electronic payments in
the U.S."

snip...which allowed them to coordinate and roll-out payment technologies much quicker than in the US, which has left their initiatives to the profit-hungry credit card industry.

Yes, Canada is much more nimble in this regard, however, Canada's populations is less than the state of California, hardly a one to one comparison.

Yes the US has a lot of banks/financial institutions. Something like 14,000.

This link, UK’s Lessons For US Mobile Payments Adoption, covers some of the questions/challenges/stubbornness of the USA system as compared to UK, Australia and Canada, all mentioned in link.

Here's an excerpt:

NOW FOR THE “BUT”

OK, you say, so all we need to do now is hustle up and get contactless POS terminals out there in massive force.

If it were only that easy.

In the U.S., there simply aren’t the same dynamics in play.

Two million contactless terminals today sounds like a great start — until you do the math. There are something like 13 million POS terminals across a massive geography that is the United States, not including mPOS devices.

The U.S. is also a market in which there are 1.2 billion payments cards in circulation, more than 47 billion debit card transactions, more than 26 billion credit card transactions and 209 million adults over the age of 18.

Oh, and something like 14k financial institutions that issue those cards and countless merchant acquirers and ISOs all hawking merchants to deploy new terminals.

It’s a whole lot harder to wrangle this ecosystem to the ground given the diversity of merchants and the engrained plastic card habits honed by consumers over the last 50 or so years.

Also, Americans are famously resistant to change.

Yep, link above mentions that.
So what?

While Canada was still dilly dallying with EOD batch processing, the USA was already addressing fraud at the point of sale with real time processing, back in the '70s.

 

[AdonisSMU]

Good. Google Wallet was just kind of in this weird limbo mode. Nice to have everything 'Pay' related under one umbrella again.

Curious if this means we'll be able to use Google Pay on the iPhone?

No it was not a rip off of Google Wallet. Google Wallet was a Paypal clone minus the plastic cards they use to give out.

Apple pay works completely differently than Google Wallet. Even the NFC implementation is completely different than Google's Wallet implementation. Apple Pay uses biometric authentication and you didn't have to open up the app to use it. It just automatically showed your cards when you hover near an NFC terminal. Google Wallet never did that. You had to log in and open the app then you could use Google Wallet.
[doublepost=1515450182][/doublepost]

If I'm buying something, I don't have much choice. Not enough businesses see it as worthwhile because 1. everyone carries card and cash anyway because they have to and 2. new payment systems aren't really standardized and ofc cost money, so it's risky. Like whoever jumped on board with the earlier mobile wallets got screwed. Now we even have cryptocurrency coming in, lol.

I think there needs to be a consensus group governing these standards for it to be quick, and we aren't getting that with Apple and Google doing their own proprietary stuff, so we just have to wait for a few things to become basically the standard.
[doublepost=1515437859][/doublepost]
Americans in the 1800s refused to adopt the metric system. Pretty sure most people would prefer it, but now the old one is engrained. Though I think celsius is pointless to use for daily weather temperatures because its scale requires using decimal places.

I wouldn't hold my breath on crypto for currency for a number of security related reasons. blockchain is useful outside of currency though. However, it would make no sense at all to tie governments together in the same way that the EU was bound to one currency unless you just want other governments having a say over what we choose to do over here in the US.

 

[DeepIn2U]

Oh yeah Google... do your best work. Rip off every detail until there's nothing unique about your products.

Perfect.

Lol ... first Google Wallet, then Android Pay to cause crazy confusion. Then we get Samsung Pay - lord knows why but hey it starts with an "S" so Samsung has to have it on their products. Now finally after more than a year Google realizes DUH we should've just made them all - except for Samsung Pay - simple. Wait a minute isnt' that was Apple did from the start? Hmmm yes let's copy that!

 

[FourDegrees]

Now please do the same with Allo and Messages! Come on Goog!

edit --

On topic, this is great news. The less fragmented these payment services are, the easier they are for retailers to implement.

Of course, at this point we may be too far gone already. Google Pay, Apple Pay, Samsung Pay, and Walmart Pay. WALMART PAY! 😛

double edit--

Does anyone know if Walmart Pay works outside of Walmart?

You left out Garmin Pay.

 

[Stella]

Garmin use an off the shelf service, fitpay. Better than creating one themselves.

M

You left out Garmin Pay.

 

[fairuz]

I can only imagine that decimal places would only be needed in a technical environment where Fahrenheit wouldn't be used any way as it is not an SI unit. Does it really matter if the outside temperature is reported as 22.5C rather than 22C?

You can feel the difference. Seems like 1˚F is about the smallest you could feel, so it's nice.
[doublepost=1515462492][/doublepost]

I wouldn't hold my breath on crypto for currency for a number of security related reasons. blockchain is useful outside of currency though. However, it would make no sense at all to tie governments together in the same way that the EU was bound to one currency unless you just want other governments having a say over what we choose to do over here in the US.

One of the points of cryptocurrency is that _no_ government has a say over the currency. And after buying a product of Europe using USD, I now appreciate how many barriers and transaction costs cryptocurrency removes. But yeah, it's currently only usable by nerds.

 

[AdonisSMU]

Oh, there's definitely not any sort of collusion involved among the major retailers, but fees have been a huge issue for many for quite a while. It's easy enough to enable it for the PR boost and then do very little else to promote it; if non-tech people don't see any indication that it's supported, they likely won't bother and will either insert their physical cards or very possibly just pay cash for smaller purchases (if they don't want to wait for the chip reader).

Cash is messy and easily gets stolen. Cash is used when you want to avoid a record of your transaction or you want to avoid taxes.

 

[tmiw]

Cash is messy and easily gets stolen. Cash is used when you want to avoid a record of your transaction or you want to avoid taxes.

Except there's not really a better alternative to the card networks than cash in our current banking system, so that's what places have to encourage using instead of cards. Just flat out charging extra for card use isn't tenable for most places, so that leaves more indirect ways of discouraging their use. Whether any of that works is another story.

 

[kdarling]

Purely wrong. Apple Pay was the first of these services to be a payment processor, not just storage for credit card numbers. Apple Pay guarantees purchases and uses token based payment. Please, got your own facts straight first.

Apple Pay is not a payment processor, nor does it guarantee purchases.

Instead of bashing that poster, it sounds like you should first learn yourself how AP works.

 

[AdonisSMU]

Except there's not really a better alternative to the card networks than cash in our current banking system, so that's what places have to encourage using instead of cards. Just flat out charging extra for card use isn't tenable for most places, so that leaves more indirect ways of discouraging their use. Whether any of that works is another story.

You pay like 2% per transaction if that. They'll live. I'm sorry but that's a completely reasonable fee to handle transactions.

 

[0970373]

You can, but each degree is 9/5 that of a Fahrenheit degree, which is sometimes too large a jump. I usually see it reported with one decimal place.

Yes! I was in Barcelona for NYE and I set the thermostat at 20 but I was still cold. So I bumped it up to 21 and then I was too hot. There were no incremental degrees. 🙁

 

[tmiw]

You pay like 2% per transaction if that. They'll live. I'm sorry but that's a completely reasonable fee to handle transactions.

Oh I'm not the one complaining about the fees. It's more that I can see how one might not be motivated to do more than the minimum, especially when they know that in other countries that fee is an order of magnitude less.

In any case, I'm guessing there will likely need to be a heavy discount in order to get some of the holdouts to change their minds on NFC.