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Apple Announces 'Apple Pay' Mobile Payment Solution, Enabled at Over 220,000 U.S. Merchants

Lancetx said:
For the Google/Android apologists posting here, they obviously haven't read up on Apple Pay. This goes far beyond just simply using NFC or anything that has been done with any Android device. :rolleyes
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In what ways do you think it goes beyond what Google Wallet does?

(Please read my previous post listing similarities first, so you won't waste everyone's time repeating Apple PR. Thanks.)

Mind you, I think it's great that Apple has finally added NFC. Maybe it'll get some merchants to dust off their readers ahead of time.

What I'd like to know, is if Apple implemented NFC peer-to-peer mode, so we can use their devices to talk to other devices like cameras or speakers or even (god forbid) other smartphones.

Can it also read RFID tags?
 
kdarling said:
With the sole exception of TouchID, it really does look quite similar.

  • Same merchants, because they all have NFC.
  • Same token based hiding of account numbers.
  • Partnerships with retailers for loyalty programs and gift cards.
  • API to allow developers to embed payment.
  • Same method of entering new card, including taking photo.
  • Same ability to remotely disable.

Even their Apple Pay page looks like the Google Wallet page.

View attachment 489608

I saw nothing really unique or new in the presentation or explanation, but perhaps my horrible connection made me miss something. I just hope Apple can handle NFC payments better than they handle video streams, and that they realize that they cannot take down their payment site to update it like they seem to have to do with all their other servers.
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Indeed, Im struggling to understand the difference between Apple Pay and Google Wallet. From what I gather it seems to be only the use of touchid that is different, like you say.

Apple will push the movement forward and I love them for that, but I don't understand why people are saying apples implementation is better, unless you really love touch id over a PIN that much.
 
First? what?

I don't know, I've been able to use my credit card which is stored in my Google account for the past few years at 711 and Walgreens and whoever accepts NFC payments. I can also send money to my friends and stuff for free using my Google wallet account. Not exactly a new process here folks.

cloudyo said:
This has nothing to do with NFC being new. This payment solution is the first of its kind. It happens to use NFC but thats not the point.
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Apple Pay will likely prove useful in the future but right now it doesn't make sense to bother asking if a merchant accepts NFC payments and bringing your card in just in case they don't when you could easily just swipe your card and go without the extra hassle of trying to use a relatively new payment method.

I also wonder if you'll be able to save store credit cards as well or if you'll only be able to use some of your cards with it. If I can't fully replace cards with it then it's really just not something I care to use since pulling out a card is not that hard to begin with.

I can't imagine Apple going through the effort of implementing this system if they don't get a cut from the card issuers or processors as well unless they just want to be the keepers of our financial information, and if that's the case I similarly won't use this since I don't want Apple to get a cut of every transaction I make just so I can avoid carrying around a piece of plastic.
 
nagromme said:
"Exact clone?" Google Wallet has the Apple secure storage chip, the same arrangements with banks and cards, the same developer support, and TouchID? And had all that since 2011? Amazing :p
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I can say for sure that the "secure storage chip" really isn't anything new. The term "Secure Element" was coined by the NFC Forum, and has been present in various SIM Cards from US carriers for a while. Google added the ability to emulate a virtual secure element in a recent version of Android.
 
I have a feeling that it will take a year or longer to come out to other countries outside of the USA... Heck, iOS8 has come and gone, new phones released, and still no announcements of iRadio outside of the USA.

Where's the bloody holdup?
 
Here in Canada NFC is pretty common at stores, restaurants via contactless credit card from Visa and Master card..... If i understand correctly, Apple's payment system requires some proprietary method and the standard terminal that are currently in stores will not be able to use the Iphone's payment method?

If so, its a FAIL right there in my opinion.

On another note, for the first time EVER, i'm not impressed with the new iphones.
 
It’s only a matter of time before Jennifer Lawrence’s and Kate Upton’s Apple Pay accounts are hacked and we're able to see what they like to spend their money on.
 
johnnnw said:
I hate to be that guy but it's pretty funny seeing people on twitter saying this is "godlike" when NFC has been around for a LONG time.

I own no Android products but it's still annoying how blind people are.
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That probably has more to do with how poorly google implemented NFC payment in Android. Apple has never done anything new, they mostly wait for new features to become fully baked and then implementing it smoother
 
johnnnw said:
I hate to be that guy but it's pretty funny seeing people on twitter saying this is "godlike" when NFC has been around for a LONG time.

I own no Android products but it's still annoying how blind people are.
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And how many people were using NFC, thats the difference with Apple, they give you a vehicle to get there.
 
Just wondering how I would or if I could use Apple Pay for online shopping on my MacBook Pro. If I'm at home I don't pull out my phone to shop.
 
johnnnw said:
I hate to be that guy but it's pretty funny seeing people on twitter saying this is "godlike" when NFC has been around for a LONG time.

I own no Android products but it's still annoying how blind people are.
Click to expand...

That actually explains the difference between, lets say, Samsung and Apple. Apple gets the general public. They get the people that aren't tech nerds. Like I said ton of times already. The general public has never even heard of NFC. They don't give a crap about it. What they want to know if the functionality of it and seeing it working.

Samsung half the time announces something and just spends too much time on the technology and not the functionality of it. They lost the general public. They could give a crap about it.
Can even test it. I see a ton of people who have Samsung and other Android devices who have zero idea about the tech that is even in it or that their phone could even do it. While even my grandmother (who calls me literally every day to fix her computer) can use just about all the main features on an iOS device like she knows what it is.
 
CoMoMacUser said:
Or I could just pull out my credit card instead of looking to see if the checkout supports Apple Pay and wondering if the mouth-breather at the register knows what it is.

Between this and the mehWatch, the theme for today's event seemed to be reinventing the wheel.
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You know, as a "mouth breather" working the register... I know what type of customer you are, the ones when I wish you a great day ignore me. The rude type.

You know nothing about me or why I currently am working as a cashier (I have more college than my managers), heck, you might even have my degreed managers jumping on as backups.

A little respect for the person that stands there without being able to walk around, that might be expect to keep up a dialog for a whole shift - but not be allowed a bottle of water for fear of something (you thinking i'm human?), that makes the least in the store, but often puts up with the most... would go a long way.

Sure, I "strongly dislike" my job. But for the moment, it works around my schedule, i'm paid decently (because of my education, I make more than my co-workers), and daily i'm given grief for a variety of things. OK, grief is generous - some are downright hostile if I gasp, ask them for ID for their alcohol purchase. My register cannot see your face... it doesn't know you are 60+. Do it and allow us to move on.

But, trust me that a little kindness goes a long way with us mouth breathers.

And oh, ya, I will know if we take ApplePay or not. I can probably even teach you how to use it if you need too.....

Back to the drivel.
 
coolspot18 said:
As long as the register supports contactless NFC, it should work. In Canada probably 75% of the terminals do ... in the states, far less, haven't seen a single one yet, but I'm sure with the recent hacks, Apple Pay, and push by the credit card companies, they will roll out in very short order.
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jack in the box, 7-11, other places. It's out there, just not in your face. COmbined with the low knowledge of NFC in general in the US, it seems like it's not anywhere.
 
I think it is partially that and the fact that NFC still isn't widely accepted enough to replace your wallet so if Samsung mentioned it like Apple ppl would casually overlook it whereas just because it is Apple (not knocking them, they just have that behind their brand) announcing it it is hip and people take notice. Even though the merchants mentioned have had NFC all along. I still think it's good to help broaden the acceptance of NFC especially with all of the debit card fraud/hacking recently.
 
HiVolt said:
I have a feeling that it will take a year or longer to come out to other countries outside of the USA... Heck, iOS8 has come and gone, new phones released, and still no announcements of iRadio outside of the USA.

Where's the bloody holdup?
Click to expand...

iRadio has a different issue than the payment would.

It's called copyright.
 
kdarling said:
With the sole exception of TouchID, it really does look quite similar.

  • Same merchants, because they all have NFC.
  • Same token based hiding of account numbers.
  • Partnerships with retailers for loyalty programs and gift cards.
  • API to allow developers to embed payment.
  • Same method of entering new card, including taking photo.
  • Same ability to remotely disable.


I saw nothing really unique or new in the presentation or explanation, but perhaps my horrible connection made me miss something. I just hope Apple can handle NFC payments better than they handle video streams, and that they realize that they cannot take down their payment site to update it like they seem to have to do with all their other servers.
Click to expand...

Nothing different? You aren't paying attention.

Google Wallet stores your account information with Google on Googles servers. Google has access to your payment information.
Apple Pay stores your account information only on the device using the secure enclave. Apple doesn't have access to your payment information.

Google's security uses a PIN, which anyone can use if they learn it.
Apple security requires your TouchID fingerprint, far harder to steal.

Google DOES NOT tokenize payment info. Payments are made using a virtual pre-paid card, one per user, whose info is transmitted to the merchant. It does add a layer between the merchant and your actual card but its not unique per transaction like Apple Pay is. And that's because:

Google Wallet is built on top of the existing payment infrastructure and simply hides the interactions from you. As I understand Apple worked directly with payment providers to operate as a payment processor and worked out unique deals based on the reduction of fraud they believe the new system will be able to accomplish.

Both Google Wallet and Apple Pay are US only at the moment. However Google has had since 2011 to work out international payments and has yet to do so. Apple has not yet announced plans to go international but I'd put my money on Apple going international before Google.

Just because some of the user facing elements are similar doesn't mean the nuts and bolts underlying each payment system are the same. What we have here is a repeat of a now common pattern. Someone does something first, it sort of works, but its limited and not always the most elegant. Apple comes along after and does it right, it works better, and more broadly.
 
alirz said:
Here in Canada NFC is pretty common at stores, restaurants via contactless credit card from Visa and Master card..... If i understand correctly, Apple's payment system requires some proprietary method and the standard terminal that are currently in stores will not be able to use the Iphone's payment method?
Click to expand...

Apple Pay uses the same standard NFC terminal as Chip cards and Google Wallet does.

The only question is if/when they'll allow non-US credit cards and payments.

twigman08 said:
That actually explains the difference between, lets say, Samsung and Apple. Apple gets the general public. They get the people that aren't tech nerds.
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My 30 year old daughter is not a tech nerd, but she has been using her Android phones to pay for everything from gas to Home Depot parts for years.

It's all about how well informed you and your friends and family are.

It makes perfect sense that iPhone-only owners have no knowledge about a feature their phone was missing. Now it has it, and now they will.
 
johnnnw said:
I hate to be that guy but it's pretty funny seeing people on twitter saying this is "godlike" when NFC has been around for a LONG time.

I own no Android products but it's still annoying how blind people are.
Click to expand...

The difference is, until now, NFC has gone nowhere even though it has been around ‘for a LONG time’ as you put it. Same went for smartphones. They were around too but nobody bought them because they basically clunky and hard to use. Apple has negotiated contracts with major retailers to use Pay and this will finally legitimize NFC and make it ubiquitous. Add to that the extraordinary security measures Apple has implemented (did you watch the presentation?) and you will eventually kiss your credit cards goodbye. Only Apple can do that. NFC has loitered around for years yet neither Google nor Samsung have been able to move the pointer. Apple just did and they will follow the lead as usual.
 
Guttered this isn't coming to the UK any time soon, but honestly, doesn't surprise me seeing as features promoted with the 5S launch still haven't materialised :(
 
Tankmaze said:
Until this thing available worldwide as soon as possible, it would be vaporware.

Apple need to moves fast to make apple pay work globally.
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Like there’s something already out there that works ‘globally.’ There isn’t. Apple will make it happen. Google and Samsung could not.
 
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