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Apple Launches Tap to Pay on iPhone in France

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Apple has announced Tap to Pay on iPhone in France, allowing independent sellers, small merchants, and large retailers in the country to use ‌iPhones‌ as a payment terminal.

Apple-Tap-to-Pay-on-iPhone-avail-FR-transaction.jpg

Tap to Pay first arrived in February 2022 in the US, and allows iPhones to accept payments via Apple Pay, contactless credit and debit cards, and other digital wallets‌‌‌. All transactions are encrypted, and Apple has no information about what is purchased or the person who made the purchase.

No additional hardware or credit card machine is required‌ to use Tap to Pay on iPhone. The feature uses NFC technology to securely authenticate the contactless payments, plus the feature also supports PIN entry, which includes accessibility options.
"We are very excited to offer Tap to Pay on iPhone to merchants throughout France, so that they have a simple, secure and confidential way to accept contactless payments while benefiting from the power, security and usability of the iPhone," said Jennifer Bailey, Apple Vice President of Apple Pay and Apple Wallet. "With more than 90% of bank cards in France equipped with contactless technology, and the increasing adoption of contactless payments, merchants will be able to accept payments from their customers with a simple gesture on their iPhone."
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The banking group BPCE (Banques Populaires, Caisses d'Epargne and Payplug) and along with Adyen, myPOS, Revolut, SumUp, Viva Wallet, and Worldline now offer Tap to Pay on iPhone to French customers. They will soon be joined by BNP Paribas, Crédit Coopératif, Market Pay, Stancer and Stripe, according to Apple.

Tap to Pay on ‌‌‌‌iPhone‌‌‌‌ requires ‌‌‌‌iPhone‌‌‌‌ XS or newer models, and works for customers as any normal ‌‌‌‌Apple Pay‌‌‌‌ transaction would. Sellers just need to open up the app, register the sale, and present their ‌‌‌‌iPhone‌‌‌‌ to the buyer, who can then use an appropriate contactless payment method.

France becomes the eighth region to support Tap to Pay, following similar rollouts in the U.K., Australia, Taiwan, Brazil, Ukraine, and the Netherlands earlier in the year.

Article Link: Apple Launches Tap to Pay on iPhone in France
 
Article Link
https://www.macrumors.com/2023/11/14/apple-launches-tap-to-pay-on-iphone-in-france/
In-person payments, contact sharing and photo sharing need to have a Matter equivalent industry standard across iPhone and Android, like magnetic and wired charging (Qi2 and USB-C). Bringing two phones close together regardless of OS should present both users with an option to receive or send a payment, to share photos or share a contact.
 
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Mac Fly (film) said:
In-person payments, contact sharing and photo sharing need to have a Matter equivalent across iPhone and Android.
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This isn't really "in-person payments", though. It's a payment card machine emulator, so it's already standard: Any card, or emulated card, works.
 
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cyanite said:
This isn't really "in-person payments", though. It's a payment card machine emulator, so it's already standard: Any card, or emulated card, works.
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I understand that, I'm just adding to the use case of in-person sharing specifically. The payment terminal thing is quite handy indeed.
 
I don't get why are Apple rolling this out in such a piecemeal fashion? It's just allowing devs greater access to the NFC reader, so surely the usual complicating regulatory factors are the devs' responsibility?
 
pelowj said:
I don't get why are Apple rolling this out in such a piecemeal fashion? It's just allowing devs greater access to the NFC reader, so surely the usual complicating regulatory factors are the devs' responsibility?
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The transactions are processed via Apple Pay services, so need integration and approval by the local payment networks.
 
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Trading one kind of radiation for another. Have the regulatory bodies thoroughly investigated all the potential dangers? Not going to turn out it uses one more milliwatt than they thought?
 
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CarAnalogy said:
Trading one kind of radiation for another. Have the regulatory bodies thoroughly investigated all the potential dangers? Not going to turn out it uses one more milliwatt than they thought?
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I hope we all know that we receive radiation everyday from the sun and other natural sources. And, when we fly we receive even more radiation.

Here's a link from the CDC: https://www.cdc.gov/nceh/radiation/air_travel.html And they say: "Whether you fly or not, a person’s average dose from cosmic radiation is 0.33 mSv (33 mrem) or 11% of our yearly exposure to all natural sources of radiation."
 
Mac Fly (film) said:
In-person payments, contact sharing and photo sharing need to have a Matter equivalent industry standard across iPhone and Android, like magnetic and wired charging (Qi2 and USB-C). Bringing two phones close together regardless of OS should present both users with an option to receive or send a payment, to share photos or share a contact.
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It looks like this is what they already have. At least for credit card payments. The phone is simply implementing that standard.

As for normal files, we have had good standards for exchange for decades.
 
Can users from one Tap to Pay-enabled territory use the service in another? I saw PegasusTemna's comment above but I don't know if they were traveling internationally. Tried searching but didn't see any documentation addressing this specific question. If so, would any third-party apps be required, or just accounts from banks supporting the feature?
 
I was in the UK for over 8 months and never, ever, touched any "real" money: always used my iPhone or Apple Watch.
Coming in USA a month ago, cannot pay in many locations with what they in the USA call Apple Pay, and IF it was possible, I had to go to the counter, do the NFC move, but still had to wait, and sign!!! a piece of paper.
My god, what an idiotic '60's way of payment that is.
Note this is in the country which "invented" the iPhone and "invented" Apple Pay??? Really?

Then moving to Peru, and happily everything is normal again, like in Europe, being able to pay really everywhere with the phone or watch, without having to sign with a stylus on paper ("Yuck!!!")
 
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laszlo182 said:
With side-loading coming, isn’t this a potential risk? A fake app can display an amount but other much higher amount gets actually processed?
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1) You don't get access to NFC automatically on an app. Apple is careful about NFC access and it's designated to certain APIs but even with sideloading they can still control what apps can run what APIs. At the least, they can have developers register with them if they have sideloaded apps that use payments in this way and they can therefore ban developers that don't play by the rules.

2) Even outside of the above, security is managed by the payment network itself. These apps are created by payment processors and they can control the endpoints of their services and prevent unauthorized accesses from 3rd party apps.

And a sidenote, you can sideload apps today with developer profiles, but of course the API access mechanism prevents anyone from accessing NFC on the iPhone and doing this kind of thing.
 
PowerMacBook said:
I was in the UK for over 8 months and never, ever, touched any "real" money: always used my iPhone or Apple Watch.
Coming in USA a month ago, cannot pay in many locations with what they in the USA call Apple Pay, and IF it was possible, I had to go to the counter, do the NFC move, but still had to wait, and sign!!! a piece of paper.
My god, what an idiotic '60's way of payment that is.
Note this is in the country which "invented" the iPhone and "invented" Apple Pay??? Really?

Then moving to Peru, and happily everything is normal again, like in Europe, being able to pay really everywhere with the phone or watch, without having to sign with a stylus on paper ("Yuck!!!")
Click to expand...
The card networks don't even need signatures, it's only there for a place that didn't upgrade their POS (point of sale, or piece of **** if you prefer) software.

Not sure what the problem is with "waiting", takes a few seconds normally. Maybe the software is still slow where you were.
 
Unlike in the rest of the world where you simply do the NFC move and basta, in Miami (not a small silly village) one has to wait for the paper to be printed, then write if you want to tip or not, and then sign.
Not in the supermarket (obviously) but in bars and restaurants it was like that: highly annoying.
 
PowerMacBook said:
Unlike in the rest of the world where you simply do the NFC move and basta, in Miami (not a small silly village) one has to wait for the paper to be printed, then write if you want to tip or not, and then sign.
Not in the supermarket (obviously) but in bars and restaurants it was like that: highly annoying.
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Restaurants and gas station pumps are a big exception; they just do things their own way. Often for restaurants it's old software and they are especially resistant to change. But in normal stores it's mostly Apple Pay/contactless friendly, minus the jerks like Walmart who literally have new readers fully capable of contactless but turn it off so you use Walmart Pay if you want to pay with your phone.

I was just saying it's mostly up to date for stores. Not so up to date in restaurants, or gas station pumps (they're also supposed to get upgraded but good luck with that, I still have to use magnetic swipe at at my preferred gas station pump).
 
I guess so.
Anyway, I had a pretty silly experience as I forgot my wallet in Europe (not used to travel or carry a wallet with me was the culprit I think), so wanted to get some money from an Apple Pay ATM, as they appear to exist (Wells Fargo).
However, they never worked with Apple Pay: I tried many!
Anyway, a friend sent my wallet to the States, and done! ;-)
 
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