Apple Announces 'Tap to Pay' Feature Allowing iPhones to Accept Contactless Payments Without Additional Hardware

robinp said:
“In the US”

Of course.

This sounds like a great feature. It should be available everywhere.
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Of course - do you think Apple wants it limited to the US? Part of it is that the US is probably the largest market for DAU of debit and credit cards. The other part is that there are regulatory hurdles to clear in other markets where other processors are likely to put up some degree of a fight (looking at Australia as an example).
 
jaytv111 said:
"The earlier iPhones don't have the same NFC setup as the iPhones XS and later have. You can't even read NFC tags on earlier iPhones but you can on new ones."


Someone mentioned there's a chipset difference and ability to submit more power to the NFC chip on the XS, which perhaps makes more sense. But... NFC read/write ability in some form came with the 6S. There was a bit of hardware called Libre four years ago (NFC ISO 15693 -vicinity based, no tapping required) that could be slapped on your shoulder, scan the tag with an app to activate it, and pull data. That activation wrote to the NFC tag not allowing another device to subsequently activate it.
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bookofxero said:
Of course - do you think Apple wants it limited to the US? Part of it is that the US is probably the largest market for DAU of debit and credit cards. The other part is that there are regulatory hurdles to clear in other markets where other processors are likely to put up some degree of a fight (looking at Australia as an example).
Click to expand...
Exactly right. Australia is way way ahead of the US in terms of contactless payments and digital payments in general. But new entrants like this always hit up against the stupid and slow moving Australian regulatory regime.
 
Radeon85 said:
That's going to work really well if the iPhone screen is off and locked in your pocket, and most likely it will require a FaceID scan to even accept the payment let alone pay
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You don't need TouchID or FaceID to initiate a payment with a contactless credit card. You just need to be within range of the card.



jaytv111 said:
Sure. But it's also a huge risk and a lot of effort, and it gets found out once a few people get charged and they report it to the credit card companies if they go through. And it can be done today without anything by Apple, just use the Square contactless reader.
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boss.king said:
That was true before this existed. Portable contactless terminals aren't new.
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Yes, but it's less conspicuous when a person is holding an iPhone in their hand compared to a contactless NFC device like a Square reader or Clover Go.
 
FSMBP said:
Does that include iPhone SE 2020?
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Yes. This requires NFC with express card, an enhanced NFC only on A12 or later

add this to the list of features the cheap iPhone XR gets but the expensive X doesn’t ?
 
sw1tcher said:
Yes, but it's less conspicuous when a person is holding an iPhone in their hand compared to a contactless NFC device like a Square reader or Clover Go.
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Maybe it's just me, but I would see someone trying to tap my pants with their phone. But if someone has a reader in their pocket or bag and bump into me, it would be less noticeable. Either way, it exists already and it's defeated by RFID blocking wallets.
 
Does it come with the customary 30% commission (29.9% of which is deposited directly into Tim’s next mega yacht fund)?
 
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robinp said:
“In the US”

Of course.

This sounds like a great feature. It should be available everywhere.
Click to expand...
That's widely available around the world!
Already in the works for the whole latest entry and advanced level android phones!
Look like Apple will let it run by 3rd parties rather then Apple Pay monopoly
 
robinp said:
“In the US”

Of course.

This sounds like a great feature. It should be available everywhere.
Click to expand...
Just because the tech is available doesn't mean the gatekeepers will allow it to be used.
I'm still waiting on my utterly useless New Zealand bank "Kiwibank" to support Apple pay on any of its cards.
Contactless payment support isn't everywhere here either because, according to a few shop keepers I've spoken to about it who did offer it, the banks charge a extra to offer contactless payment to customers.
Which is just nuts right?
Apple Pay is one of the most secure payment methods there is but these banks, for their own reasons, stifle tech progress.
If you had to pay more money for a contactless terminal but now you just just pull out your iPhone or use an iPad then someones business model has been threatened.
 
jaytv111 said:
The minute they release an iPad with NFC enabled this will work on it. Not a single iPad has NFC enabled yet, and they can't enable it in current iPads with a software update because they don't have NFC antennas.
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Ah, good point. They should get on it then — iPad has been an ideal payment terminal for years thanks to services like square and stripe. An iPhone isn't as convenient to use in a shop, for instance. Customers like to see the interface, as opposed to getting a phone handed to them)
 
alexandr said:
Ah, good point. They should get on it then — iPad has been an ideal payment terminal for years thanks to services like square and stripe. An iPhone isn't as convenient to use in a shop, for instance. Customers like to see the interface, as opposed to getting a phone handed to them)
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Yeah but as a POS terminal businesses almost always need to take chip or magstripe so they've needed a separate reader. The iPad itself has been good at running software and handling the logistics of it, but not in actually taking a card. The iPad will never get chip or magstripe built in, so this makes little difference until every card in the wild has gained contactless.
 
jaytv111 said:
Yeah but as a POS terminal businesses almost always need to take chip or magstripe so they've needed a separate reader. The iPad itself has been good at running software and handling the logistics of it, but not in actually taking a card. The iPad will never get chip or magstripe built in, so this makes little difference until every card in the wild has gained contactless.
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Yes, I realize that — I've used stripe for years. Yes, until people are more contactless — it won't be a complete solution. However, we are becoming more and more contactless. Even in the U.S. :)
 
alexandr said:
Yes, I realize that — I've used stripe for years. Yes, until people are more contactless — it won't be a complete solution. However, we are becoming more and more contactless. Even in the U.S. :)
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True. I have 12 cards, 2 debit and 10 credits (mostly because they offered money for opening an account lol). There's 8 contactless cards, and 4 without contactless. So that's 2/3rds, probably can get 3 out of the 4 upgraded to contactless, only one without a contactless version? The Apple Card. Ironic? Maybe, but they really really want you to use Apple Pay and the physical card is a backup, so that makes some sense.
 
alexandr said:
Yes, I realize that — I've used stripe for years. Yes, until people are more contactless — it won't be a complete solution. However, we are becoming more and more contactless. Even in the U.S. :)
Click to expand...

Unfortunately, it took Covid to make that happen, so I'm a bit jaded about the whole thing now. Still, some adoption is better than none, right?
 
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