Apple Expecting In-App Purchases to Make Up Most of Early Apple Pay Activity

[BruiserB]

NFC has nothing to do with in-app purchases. That's why the new iPads will work for in app.

But yes, Touch ID and secure element are needed for in app purchase. And an app is needed to run the process of requesting the fingerprint and then filling in the secure info. Regular webpages will still be able to use your cc info if you store it in Safari keychain, but that's not ApplePay.

 

[rdlink]

Oh you know Apple can't wait til the next keynote to give their opening overview to talk about how many times/how much money has been charged with Apple Pay. And no matter the number, say the reception has been absolutely incredible and that customers love it.

How dare they self promote at their self promotion events. Oh, the nerve...

 

[mantan]

Gotta laugh at those users constantly refreshing for that 8.1 update...then frantically going all over town to try to find somewhere to use their shiny Apple Pay.....only to find out nobody is really ready for it yet.

Then going home and pacifying themselves by ordering an overpriced online accessory they really don't need from the Apple Store...just for the short lived thrill of paying for it with their Touch ID.

Apple Pay may end up being a great thing, but it'll be awhile before enough retailers are onboard and have the equipment for it to be something you don't 'go out of your way' to use.

 

[Rogifan]

so, Apple is stiffing us....

It will be available to the 5s, but not at the same time as other devices ?

Pay doesn't work with the 5S.

 

[Xiph0s]

Why would you even think Pay would be supported by the iPad Air 1 in the first place? It does not have TouchID.

Or NFC

 

[GoCubsGo]

That's going to confuse the **** out of consumers. It would be better to just not let the 5S do anything.

I agree. If I had a 5S I would be confused as to why it didn't work. Then again, I'd be pissed if it didn't. A double-edged sword, I suppose.

Apple Pay is not something I intend to use right away. I'm skeptical to have that kind of info in my phone. I suppose it could be paranoia, but for now, I'm skipping it all together as long as I can.

 

[rdlink]

I can see it already, "wristgate". LOL.

Yeah. Why wait until the last minute to start criticizing the design and hardware? We're all going to be busy over the holidays, so if we get started now we can have the device completely trashed, with every problem rooted out before it even hits the stores.

 

[Tech198]

I could have thought Apple said it was gonna work on the 5s later on didn't they ? Just not the NFC stuff.


Update: ah got it, only paired with an iPhone 5s, Apple watch will work.

Kinda interesting theory behind that one. Since Apple watch goes through the phone anyway, and the phone doesn't have NFC, why not allow it on the 5s, just restrict it like other non-NFC devices ?

Its like Apple wants to make you buy an accessory (in this case the Apple Watch), just to use Apple Pay with your iPhone 5s (but not till next year)..

What do you do in the meantime ? *fiddles with thumbs till then*

 

[az431]

So no iPad Air 1 support?

How do you plan on scanning your fingerprint?

 

[ghostface147]

It'll be released in time to stuff my face at McDonald's.

 

[gadgetguy03]

I don't really understand why in-app purchases are Apple Pay. I mean...haven't we already been using these the same way since Touch ID showed up? No NFC involved...I don't know, it's weird, seems like they are just trying to juice up numbers that count as Apple Pay for something that really isn't that.

This isn't technically an in-app purchase per se like a boost for your game. This is for actual commerce. Yes we have always been able to buy games and apps with Touch ID. This is expanding that to physical purchases and allows for a more secure method of purchasing between you and, lets say, Target.

Before, in order to buy something, you would have to make sure you are logged in, have current payment information, and then use your passwords to complete the transaction. This transaction always involved giving the company your card number and authorization code. Now, with one button and a scan of your fingerprint, you can authorize a secure transaction to a card you have on file with Apple Pay. The company never has your actual account number and the one-time tokenization isn't able to be used again should Target's systems be breached again.

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I agree. If I had a 5S I would be confused as to why it didn't work. Then again, I'd be pissed if it didn't. A double-edged sword, I suppose.

Apple Pay is not something I intend to use right away. I'm skeptical to have that kind of info in my phone. I suppose it could be paranoia, but for now, I'm skipping it all together as long as I can.

I would imagine them, getting a buttload of complaints, will announce at the next keynote the NFC Lightning Adapter for iPhone 5s Users - MSRP - $59.99\



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It'll be released in time to stuff my face at McDonald's.

Does your face retain any calories, since it is one on a different ethereal plane?

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Pay doesn't work with the 5S.

NFC in-store payments won't work. Purchases made through partner apps such as Uber and Target will work.

 

[Tech198]

Good job to Apple here to confuse us all in with the middle man being the Apple watch...


I couldn't have confused people better myself Well done.

Makes it "that" much more interesting doesn't it

 

[gadgetguy03]

I could have thought Apple said it was gonna work on the 5s later on didn't they ? Just not the NFC stuff.


Update: ah got it, only paired with an iPhone 5s, Apple watch will work.

Kinda interesting theory behind that one. Since Apple watch goes through the phone anyway, and the phone doesn't have NFC, why not allow it on the 5s, just restrict it like other non-NFC devices ?

Its like Apple wants to make you buy an accessory (in this case the Apple Watch), just to use Apple Pay with your iPhone 5s (but not till next year)..

What do you do in the meantime ? *fiddles with thumbs till then*

MacRumors stated shortly after the Apple Watch was released they received word that the Watch would be compatible with the 5 and 5c as well. Those devices would use a PIN to activate Apple Pay on the Watch

 

[peterh988]

Am I right in assuming that Apple pay in apps will also not work here in the UK?

Not until our banks and credit card companies have signed up, I believe.

I assume the appropriate negotiations will be taking place around now, and suitable launch date will be announced when everyone is ready.

 

[rdlink]

... and then become abusive towards the shop assistance when their iPhone 5s doesn't work.
or
Insist that they have paid with their iPhone 5s and walk out with the product without paying.

I think you guys are blowing this up over nothing. The iPhone 5S does not have the secure element, thus will not be able to do either online or in person payments. Consequently, I am 99.8% sure that Apple will not even allow the ability to add credit cards to Passbook on these devices. Thus, if anyone is idiotic enough to believe that they can pay using pay on an iPhone 5S, they should just be picked up and taken to the home, so they can't harm themselves or others.

 

[imaginex20]

Well to add to your confusion (or help explain why the 5s is involved), you'll be able to use the 5S for in store purchases (thanks to Touch ID) with an apple watch.
The watch can't do it standalone. It needs the Touch ID authentication of a 5s, 6, or 6 plus.

But on its own, the 5s can do apple pay website purchases thanks to Touch ID.

Why the hell do people keep spreading false information?

In store purchases will work with the Watch when paired with an iPhone 5, 5C, and 5S. Straight from the horses mouth on apples website.

 

[caesarp]

Gotta laugh at those users constantly refreshing for that 8.1 update...then frantically going all over town to try to find somewhere to use their shiny Apple Pay.....only to find out nobody is really ready for it yet.

Then going home and pacifying themselves by ordering an overpriced online accessory they really don't need from the Apple Store...just for the short lived thrill of paying for it with their Touch ID.

Apple Pay may end up being a great thing, but it'll be awhile before enough retailers are onboard and have the equipment for it to be something you don't 'go out of your way' to use.

I don't think its that difficult -- considering McDonalds, CVS and Walgreens are on board. That covers a lot of people doing normal everyday shopping. (Well maybe not the McDonalds part anymore).

 

[phillipduran]

Bitcoin is rubbish. People spend lots of money on electricity and for some reason that is supposed to create a currency. Utter nonsense.

People print paper and for some reason that is supposed to create currency.

Utter nonsense.


Bitcoin is real, it's being used. You can bury your head in the sand, but it's not going to stop the REAL transactions that are going on with Bitcoin.

Well, I'm off to NewEgg to buy some PC hardware using BITCOIN, which of course is utter nonsense, but in a few days when that hardware arrives, I'll be thinking of you!

 

[dominicanhnic]

sooo uhhh i wont be able to use this since my bank is not on the list? am i correct ? even though i have a visa if my bank is not on the support list for apple pay i wont be able to use it?

 

[Rogifan]

NFC in-store payments won't work. Purchases made through partner apps such as Uber and Target will work.

How so as the 5s doesn't include the secure element?

 

[djgamble]

Children + touch ID + in-apply purchase = ? I hope Apple has considered this situation.

Don't scan your kid's fingerprints?

At worst, give them the passcode (but no touch ID). Ideally don't connect a credit card with any device that will be used by kids.

 

[ArtOfWarfare]

many of Apple's partners have yet to receive the payment terminals needed to process transactions. However, Apple expects many merchants to upgrade their terminals in the next year

What kind of upgrade is necessary? Does the terminal merely need to have NFC, or is there some kind of additional software (or hardware) beyond that necessary for it to accept Pay?

Just wondering because there's a brand new plaza near my house that just opened up this summer with a lot of the merchants that say they'll accept Pay at it, and I noticed this weekend that a lot of their registers already have the NFC symbol on them. So I'm wondering if those stores are all ready for it to go live, or if there's something more that they'll need to do first.

Oh well, doesn't matter since my iPhone 6+ isn't shipping until mid November, and my bank won't be participating until "later this Fall", which technically means they may not start participating until December 20th.

 

[gnasher729]

Gotta laugh at those users constantly refreshing for that 8.1 update...then frantically going all over town to try to find somewhere to use their shiny Apple Pay.....only to find out nobody is really ready for it yet.

Then going home and pacifying themselves by ordering an overpriced online accessory they really don't need from the Apple Store...just for the short lived thrill of paying for it with their Touch ID.

Apple Pay may end up being a great thing, but it'll be awhile before enough retailers are onboard and have the equipment for it to be something you don't 'go out of your way' to use.

You've got some crazy imagination. I'm laughing at people who think all iOS users are fanboys whose only purpose in live it is to use Apple technology.

The reality is that people will add a card that they use for most payments to their iPhone, and if they get to a shop with NFC readers they will try it out, and online retailers will add support for Apple Pay and you will notice that when you visit their website.

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What kind of upgrade is necessary? Does the terminal merely need to have NFC, or is there some kind of additional software (or hardware) beyond that necessary for it to accept Pay?

Just standard NFC - and the backend (the server at Visa for example) must recognise and accept the Apple Pay data.

It is at the moment unclear who exactly sets limits for the maximum payment that the NFC terminal accepts; whether it is the terminal/merchant or the backend. In the UK the limit is usually £20 because if you steal my wallet with my card, you have all that's needed to use it; with the phone you'd need to steal my phone and a finger so that is a lot safer and the maximum should be higher.

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People print paper and for some reason that is supposed to create currency.

Utter nonsense.


Bitcoin is real, it's being used. You can bury your head in the sand, but it's not going to stop the REAL transactions that are going on with Bitcoin.

Well, I'm off to NewEgg to buy some PC hardware using BITCOIN, which of course is utter nonsense, but in a few days when that hardware arrives, I'll be thinking of you!

If there had been computers 300 years ago, you could have bought some nice hardware for a tulip bulb or two.

 

[gadgetguy03]

How so as the 5s doesn't include the secure element?

The 5s does have the secure element to store the data for the fingerprints from the Touch ID sensor.

Link: http://support.apple.com/kb/ht5949

 

[Oracle1729]

People print paper and for some reason that is supposed to create currency.

Utter nonsense.


Bitcoin is real, it's being used. You can bury your head in the sand, but it's not going to stop the REAL transactions that are going on with Bitcoin.

Fiat currency is utter nonsense as you say, but as long as people have to pay their taxes in it, it will hold some value.

Bitcoin is utter nonsense for many reasons. Besides its ponzi scheme history (the exact opposite of every fiat currency by the way), it costs an obscene amount of electricity just to keep the system semi-honest. It is only a matter of time until it's less chic to stay on the mining treadmill wasting money on hardware and electricity to run it. And when the mining pool crashes, the whole system will fall apart as it becomes easier for a criminal group to reach 50% of the work.

Bitcoin is already down to 1/3rd its former value while the cost to mine them is still rising. When is the next time the reward divides in half again?

How long do you think that system is sustainable? Compared to Bitcoin, a fiat system where corrupt leaders are printing $1 Trillion/year to keep it afloat while risking a major devaluation seems pretty safe and secure.