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Apple Expecting In-App Purchases to Make Up Most of Early Apple Pay Activity
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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 acceptPay?
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
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.
All the retailer need to do is upgrade their system with a NFC contact pos. nothing fancy... And a minor software update in their pos system to recognized apple pay as a payment, so authorization so go through.
NFC and 5s
Why anybody with a 5s would be confused about apple pay at retailers? 5s does not have NFC period, that why can't be used end confusion. Why it can be used with in app purchases? because has touch ID period end confusion.
Is like BT if your phone does not have BT you can't use BT accessories > Simple
Why anybody with a 5s would be confused about apple pay at retailers? 5s does not have NFC period, that why can't be used end confusion. Why it can be used with in app purchases? because has touch ID period end confusion.
Is like BT if your phone does not have BT you can't use BT accessories > Simple
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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
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
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.
Anywhere you see this symbol (which is anywhere that takes NFC payments) nothing additional necessary:
Attachments
Not just techie people own iPhones. Apple will have to do some specific marketing to educate the non-techie users. Think of your parents or grandparents using iPhones. If they just see that apple now has ApplePay using TouchID, they'll think that since their 5s has TouchID they have it. They don't know what NFC is. Has Apple even mentioned NFC in their marketing? Did they mention it in the keynote?
How does this work with loyalty programs at places like Starbucks or Duane Reade? Will it be seamless or do we still have to swipe loyalty cards, etc?
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1pm ET
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It's finally OTA, downloading now. Thank you
1pm ET
Restaurant tipping
How will Apple Pay work in restaurants and other places where you would normally leave a tip?
Server brings a wireless NFC device to your table?
Does Apple Pay allow you to add a tip for participating merchants from within the Passbook App?
Anyone know?
How will Apple Pay work in restaurants and other places where you would normally leave a tip?
Server brings a wireless NFC device to your table?
Does Apple Pay allow you to add a tip for participating merchants from within the Passbook App?
Anyone know?
You are adding the the confusion. The 5S cannot use Apple Pay on its own, neither in-store nor in-app.
Here's an attempt at clarifiation:
- The key hardware requirement for Apple Pay is actually neither Touch ID nor NFC, but the Secure Element that stores the credit card credentials (and no, it's not the same as the Secure Enclave that's used to store fingerprint data on devices with Touch ID). All iOS devices that have the Secure Element will be able to use Apple Pay, all others won't. At the moment only iPhone 6/6+, iPad Air 2 and Mini 3 have the Secure Element. Of these, obviously only the devices with NFC will be able to do in-store transactions, the others will be limited to in-app transactions.
- Apple Pay will work even if you disable Touch ID. In this case, you will be asked for the passcode to authenticate a transaction.
- The Apple Watch will be able to do in-store Apple Pay transactions in conjunction with iPhones starting from the 5. Presumably the phone will only be used to add credit card credentials to the Watch's Secure Element, and to unlock the watch for Apple Pay until you take it off your wrist. But the details are not known yet.
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Obviously you wouldn't just hand your phone to the waiter. Not to mention you need to use TouchID for it to work. But how would this work? Apple made no mention of it at any press event.
Current UK system is the waiter brings a wireless terminal to your table, there's an optional gratuity box on the screen where you key in the amount, then pay as normal with your chip and pin. I assume your phone will just replace the chip and pin card in this arrangement, to begin with.
Why do you care? Why is that so important to some people around here? Apple is running a business and providing a service to their customers. We are the customer. We shouldn't be caring about how much money the company makes unless we are stock investors. Whatever cut they take should really be none of the consumer's concern. If you were running a business would you want your customers hounding you constantly about how much profit you're making from them?
So I'm a little confused. This thing starts in the US on Monday. So let's say you have a credit card from a qualifying bank in the US and you upgrade your iPhone 6 or 6+ to 8.2. Can you then use Apple Pay at contactless payment counters OUTSIDE of the US? Or is special hardware necessary on the vendor side above and beyond current NFC equipment?
My theory is, it WILL work. I plan on testing it today (or possibly tomorrow), since there are tons of NFC terminals here in Switzerland.
Looking forward to seeing how 8.1 is (will wait to see what others say before applying) and how this works.
"Apple is also said to be working in iAd's new retargeting feature with Apple Pay, which would allow retailers to push targeted ads with buy buttons to users. Apple is expected to integrate Apple Pay with iAd by the end of this year."
This seems a very slippery slope that Apple is stepping into here as they'll be able to serve more valuable/targeted iAd's by knowing/spying more about you and eventually (5-10 years) you get to Google one small step at a time (do they keep the Spotlight & web searches via Spotlight that are currently sent back to Apple long term as that would make iAd targeting better?).
I wish Apple did not have iAd, its an obvious conflict of interest to the users privacy desires long term - and in the end people move on and the lure of additional money always wins. JMHO...
"Apple is also said to be working in iAd's new retargeting feature with Apple Pay, which would allow retailers to push targeted ads with buy buttons to users. Apple is expected to integrate Apple Pay with iAd by the end of this year."
This seems a very slippery slope that Apple is stepping into here as they'll be able to serve more valuable/targeted iAd's by knowing/spying more about you and eventually (5-10 years) you get to Google one small step at a time (do they keep the Spotlight & web searches via Spotlight that are currently sent back to Apple long term as that would make iAd targeting better?).
I wish Apple did not have iAd, its an obvious conflict of interest to the users privacy desires long term - and in the end people move on and the lure of additional money always wins. JMHO...
Maybe one day, Trader Joe's...
Dear Jack,
Thank you for your email. We are sorry to inform you that at this time we do not have any plans to be able to accept Apple Pay or any chip enabled cards.
Amy
Trader Joe's
Customer Relations
Dear Jack,
Thank you for your email. We are sorry to inform you that at this time we do not have any plans to be able to accept Apple Pay or any chip enabled cards.
Amy
Trader Joe's
Customer Relations
Yes. If it didn't work this way then "Honey, can I borrow your phone?" would have a whole new meaning...
Dale
Nah, it makes sense.
I like the idea of not having my credit card saved with dozens of different merchants.
If I want to buy a thing from an online store, and they have an app that uses ApplePay, I will likely do the transaction through the app so that I do not need to put my credit card on file with them.
All the benefits of a tokenized, non-binding transactional authentication that works once and is discarded is just as valuable to an online purchase as it is to an in-store purchase.
I look forward to a day when the only people who have my credit card number are my bank and me.
If privacy is your concern you shouldn't have ever connected your computer the internet. Trust the fact that it's too late. You've already given much of your personal life to the web. Anything Apple does at this point has already been done to you.
Because it IS using Apple pay. Before you would just be using your credit card, after you would be masking your credit card behind Apple Pay. That's the whole, or at least a big part, of the point.