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Apple Highlights Apple Pay Cash in New YouTube Videos

reden said:
They forgot the part where you have to constantly try to get FaceID to work, and once you do, you have wave your iPhone all over the device to see if it works, then the cashier saying "I don't know if we take Apple Pay", or "it works when it wants to"
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There's something wrong with your face. FaceID works instantly and reliably.

I use ApplePay every day as my primary form of payment everywhere I shop. I don't even carry a wallet and haven't touched cash in months. I double tap the side button and glance down at my phone as the cashier is scanning my items. Then tap. Done. Works flawlessly every time.
 
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busuan said:
Make it QR-scannable. QR is paper-compatible, instead of fancy machines. That is, make things simple first and make people want to use it.
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You are kidding right? Plus Apple Pay via QR Code is available, I've done it at a restaurant here in Phoenix. You scan the QR code with your check, it goes to a webpage to pay your check, for which Apple Pay is one of your options. I give it credit, though it was cumbersome, you at least didn't need to download a stupid app. Just open the camera app and point it at the thing.
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ipedro said:
There's something wrong with your face. FaceID works instantly and reliably.

I use ApplePay every day as my primary form of payment everywhere I shop. I don't even carry a wallet and haven't touched cash in months. I double tap the side button and glance down at my phone as the cashier is scanning my items. Then tap. Done. Works flawlessly every time.
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I am in the US, and I haven't touched cash in years. People seem to forget that the US has been "cashless" first save for a few stubborn New York restaurants. I also use Apple Pay as my primary method of payment.
 
tmiw said:
I wonder how much of Apple Pay Cash not being rolled out in other countries is due to there not being nearly as much need for it compared to the US. I mean, there's still no bank/government run P2P transfer system that's instant (and the third party ones require you and the other party to sign up with that particular service).
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It has everything to do with each country's regulations. Apple is not a bank so it cannot hold or exchange money without going through a financial institution.

Other popular peer to peer cash apps like Vemno and Square Cash are unavailable in Canada for the same reason.

Either Apple works with governments to change regulations or they'll have to partner with a financial institution to manage the transactions and then have Apple Pay Cash as the front facing brand.
 
ipedro said:
It has everything to do with each country's regulations. Apple is not a bank so it cannot hold or exchange money without going through a financial institution.

Other popular peer to peer cash apps like Vemno and Square Cash are unavailable in Canada for the same reason.

Either Apple works with governments to change regulations or they'll have to partner with a financial institution to manage the transactions and then have Apple Pay Cash as the front facing brand.
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Doesn't US Apple Pay Cash use Green Dot Bank?
 
ipedro said:
It has everything to do with each country's regulations. Apple is not a bank so it cannot hold or exchange money without going through a financial institution.

Other popular peer to peer cash apps like Vemno and Square Cash are unavailable in Canada for the same reason.

Either Apple works with governments to change regulations or they'll have to partner with a financial institution to manage the transactions and then have Apple Pay Cash as the front facing brand.
Click to expand...

That's the thing though--why go through that trouble if everyone already uses, say, Interac e-transfers and is unlikely to switch to Apple Pay Cash? Otherwise Apple likely would have managed to get at least one other country/banking partner on board by now.
 
tmiw said:
That's the thing though--why go through that trouble if everyone already uses, say, Interac e-transfers and is unlikely to switch to Apple Pay Cash? Otherwise Apple likely would have managed to get at least one other country/banking partner on board by now.
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Why go through the trouble of introducing the iPhone when everyone already uses Nokia phones, Blackberries and Motorola Razr's? What kind of question is that?

Apple already introduced ApplePay in dozens of countries that had their own debit card systems. Introducing a native cash transfer solution is the next step in bringing those features into the simplicity, privacy and dependability that Apple brings with their products and services.
 
ipedro said:
Why go through the trouble of introducing the iPhone when everyone already uses Nokia phones, Blackberries and Motorola Razr's? What kind of question is that?

Apple already introduced ApplePay in dozens of countries that had their own debit card systems. Introducing a native cash transfer solution is the next step in bringing those features into the simplicity, privacy and dependability that Apple brings with their products and services.
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Regular Apple Pay uses the same contactless standards the rest of the world's been using for a while (with the main differences being on the backend, particularly with how tokenization works). Likewise, the iPhone uses the same GSM and LTE standards other phones have been using for a while. Meanwhile, money transfers are handled differently depending on the country, which adds a significant level of complexity.

Anyway, would it be nice if other countries got Apple Pay Cash? Of course. I'm just not seeing it happening any time soon, but maybe Apple will surprise us.
 
busuan said:
Make it QR-scannable. QR is paper-compatible, instead of fancy machines. That is, make things simple first and make people want to use it.
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??? That wouldn’t be very secure...
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EdT said:
Provided it doesn’t affect security then I completely agree. It needs to be as universal as possible to make it really appealing.
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Security would likely keep Apple from going that route.
 
reden said:
They forgot the part where you have to constantly try to get FaceID to work, and once you do, you have wave your iPhone all over the device to see if it works, then the cashier saying "I don't know if we take Apple Pay", or "it works when it wants to"
Click to expand...

FaceID works for me every time. Zero issues over the last year using it.

Maybe a trip to the Genius Bar can help you.
 
genovelle said:
??? That wouldn’t be very secure...
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Security would likely keep Apple from going that route.
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I have no idea how secure Google Pay is. Even if it wasn’t secure, if Apple maintains the random number ID procedure they use with stores I can’t imagine it would be much if any different than trusting a stores data security once it enters their system.
 
ipedro said:
ApplePay Cash is showing for me in Canada:

View attachment 817216

However, the setup displays US information such as a ZIP code US financial regulations.

My regional settings are set to Canada. I'm not running a beta. Either this is a mistake or a bug or ApplePay Cash is coming to Canada shortly.
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I am in Australia and I can see it as well. It has been there on my iPhone X since iOS 12.1.
Even though it’s not available. I can’t get rid of it. Is there a way to remove it?

Surely Apple mantra ‘It just works’ is in jeopardy here. As it doesn’t.
 
Thanks for letting us know Apple, when 70% of your customer around the world doesn't get to use it.
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ipedro said:
Yes. In the US. It would need to find a financial institution to partner with for each country it wants to operate in. This is why it wasn't just instantly made available around the world.
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It is not like they don't have those connections, they are partnering many of them for Apple Pay. Canada, EU, China, Japan and that had just cover 60%+ of Apple's user base with 4 banks. ( That is assuming banks will work with them, although I don't see why not )
 
minimiggs said:
I am in Australia and I can see it as well. It has been there on my iPhone X since iOS 12.1.
Even though it’s not available. I can’t get rid of it. Is there a way to remove it?

Surely Apple mantra ‘It just works’ is in jeopardy here. As it doesn’t.
Click to expand...

If you go into Settings>Wallet & Apple Pay you’ll see an option to turn Apple Pay Cash on/off at the top of the sub-menu.

It’ll then disappear from the Wallet app. The steps are the same if you have a Watch; you just need to go into your Watch app.
 
weave said:
So how does it work if you don't have enough in Apple Cash and you go to pay? Like if the product is $12.00 and you have $10.00 in Apply Pay. Will it pay the $10 and then the terminal ask for another payment type for the remaining $2.00?
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The few times I used it, the second payment option was it and miss at retailers. Starbucks did it, but some didn't. But, I think those retailers may not do that even with a regular credit card. Been a year since I used it. Not many people want to send me money, I guess. ;)
 
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