i will find this inconvenient, multiple apps for tap to pay
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Apple Opens Up NFC to Third-Party Apps in EU, Allowing New Tap-to-Pay Options
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I am old enough to remember that for a while some phones did not have Bluetooth as only the consortium partners could use it. Infrared was big those days too, and a competing technology.
Probably not, but Apple does take a vanishingly small cut of Apple Pay transactions.
Maybe Apple will use this opportunity to promote the semi-successful Action button: Launch Bank X app for payment
That can't be happening... Apple is entitled to get it's 30%. They should get 90%, if you ask me. They made the phone, didn't they?
And besides... I don't want to get malware. Which I certainly will. Instantly.
I wish they would just close up and limit the MAC to the app store. I think they deserve 30% (the very least) after each transaction on the MAC as well. I know Craig said MAC people can handle it and iPhone people are mouthbreathing idiots, but stilll...
It's their device, not mine.
And besides... I don't want to get malware. Which I certainly will. Instantly.
I wish they would just close up and limit the MAC to the app store. I think they deserve 30% (the very least) after each transaction on the MAC as well. I know Craig said MAC people can handle it and iPhone people are mouthbreathing idiots, but stilll...
It's their device, not mine.
Visa, MC, Discovery, AmEx, etc. don't just issue cards, they also process every CC transaction on the planet. Without them, credit and debit cards don't work.
The issue is mostly getting US Merchants on board, and it's easier to use what's already in place than to try to build a whole new system from the get go.
The banks that wants that already did this. At least in Norway they just never introduced Apple Pay and used an app you had to scan QR codes with.
So multiple providers will likely withdraw from Apple Pay for reasons that benefit them directly, like reduced fees (none of which will be passed on to you) and more data collection.
You can map one of these providers to your side-button for quick access, but for all others, you now have to dig in to their respective app each time you want to tap-to-pay.
So before this change, you had everything in one place with Apple Pay. After this change, you will have access to a single provider/card via the side-button, with access to most other cards now buried in the app.
How exactly does this benefit the iPhone user again?
You can map one of these providers to your side-button for quick access, but for all others, you now have to dig in to their respective app each time you want to tap-to-pay.
So before this change, you had everything in one place with Apple Pay. After this change, you will have access to a single provider/card via the side-button, with access to most other cards now buried in the app.
How exactly does this benefit the iPhone user again?
They didn't do this for android which uses NFC in this same way, so I doubt they would here. Truly, this just benefits everyone.
For EV owners, this means you don't have to save cards for each charge station app in your wallet. Simply tapping your phone will use that station's respective card info for the account logged into that station's app. So just unlock your phone, tap, and it starts. No need to open an app or wallet. It's a dead simple process.
By comparison, on the iPhone you currently have to download the EV charge stations respective app, login, save their card to your wallet, double press, scroll to the card for that station, and THEN you can finally tap to start the charge station. All Apple did is make a simple process more annoying for users.
This can also be used for things like Cash app or Venmo to quickly send money without having to ask someone for their username or phone number and hope you typed it in right. Just enter your payment amount, and tap their phone... done.
I feel like people don't understand that all Apple did was make using NFC more complicated. They added more steps for no reason. It doesn't increase security and it doesn't make things easier for users.
I thought the same, but imagine that every bank removes it but one. Surely lots of Apple customers would move to that bank for convenience. So it would be a state of everyone stays or everyone goes away.
Also in Android every bank is in Google play and Samsung Pay, so if it didn’t happen there already, I think it won’t happen here neither
In all honesty I’m not sure they would. On android, which allows this, all cards I have that support Apple Pay also support google pay (meaning they didn’t drop google pay just because they could have their own app).
Also, here in Portugal we have an additional type of cards (the infrastructure is ran by the company that runs the ATM and payments terminal system) and most cards are actually dual, working with the VISA/MasterCard network as well as the MB network (I pick which one I want to use at the payment terminal and it’s actually quite useful since you can have both a credit and debit card in one). On android I can use their app with any of my cards (even if they don’t support google pay) to make payments using either a QR code or NFC, with the iPhone, I’m limited to use QR codes. So if anything, this will allow me to use this option (which sometimes is the only option offered by some payment terminals that don’t accept visa or Mastercard) with NFC, giving a user experience that is more on par with android rather than a lesser experience.
Yeah, I'm looking forward to seeing what X (twitter) comes up with for payments later this year. The more competition the better.
Great now we’ll need to install 50 different apps to pay for toilet paper. Most mobile finance apps have complete garbage UI and user flow.
Indeed! Anything that leads to more iPhones being sold in the EU has to be good for Apple’s bottom line.
They have.
In the past Barclays in the UK wouldn't allow customers to add their cards to Google Pay, and if you wanted to use their cards on your Android phone you had to use the Barclays app.
However at the same time with Apple's stance you could use the Barclay's cards with Apple Wallet (and obviously you couldn't use the Barclays app).
This change will benefit nobody other than the banks, however hopefully the UK will not have to suffer this change.
Bank already have access to all the transaction data when paying with Apple Pay so using the bank app won't change anything.
Nobody forced the banks to implement Apple Pay in the first place. They know it brings customers and as we see in this thread, a lot of customers wouldn't like the change so I don't think a lot of banks will remove Apple Pay.
I am not sure this change will impact transportation systems but I would love to be able to use my iPhone as a Navigo card (card used in Paris for public transportation). This is possible right now on Android (see official page in French) but not on iPhones because the NFC chip is locked.
Android has had open access to NFC hardware forever. I choose to use Google Wallet for all my payments and passes, so I set it as the default and it just works. But I have the choice to use another provider if I wish. No bank forces you to use their tap to pay solution. No need to get scared just because the walled garden is opening up a crack - you can still use Apple's solutions, but now they will have to compete against alternatives, which can only be a good thing
If that was going to happen it would already be the case with Android which has open access to NFC