Perhaps the retailer is unaware of the liability shift, or they don't feel the need to upgrade to EMV because the headache of having their customers use a new technology is a pain in the rear-end.
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Apple Pay Badges Appear in Some Maps Listings in Australia, Canada, Singapore and Europe
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Perhaps the retailer is unaware of the liability shift, or they don't feel the need to upgrade to EMV because the headache of having their customers use a new technology is a pain in the rear-end.
Apple is why - they want to take a piece of the transaction fee pie and the banks don't want them to
Commonwealth Bank has had a solution for wallet-less payment for well over a year and it is pretty great. You can order a tap and go "sticker" that sticks to the back of your phone. It is basically a NFC chip in a sticker. No need to carry your wallet around and with the commbank app you can select which account the NFC sticker is associated with on the fly. It's pretty great. Not as good as what apple pay would be, but sill great.
My guess is that apple is capturing location when Apple Pay is being used in these stores.
If you have an Apple Pay capable credit card from the US you can use it in locations in Australia that have PayWave or PayPass. Which is pretty much everywhere in Australia. For Australia it is the banks that are causing the hold up on the processing side. They have already rolled out capable payment hardware to retailers years ago.
So My guess is that people with US credit cards and Apple Pay have been using Apple Pay in some locations in Australia and Apple maps is tagging those locations as Apple Pay friendly.
If you have an Apple Pay capable credit card from the US you can use it in locations in Australia that have PayWave or PayPass. Which is pretty much everywhere in Australia. For Australia it is the banks that are causing the hold up on the processing side. They have already rolled out capable payment hardware to retailers years ago.
So My guess is that people with US credit cards and Apple Pay have been using Apple Pay in some locations in Australia and Apple maps is tagging those locations as Apple Pay friendly.
Fairfax Media has reported negotiations with Australia's big banks have stalled amidst claims that Apple is seeking a larger share of interchange fees -- the small amount that financial institutions earn on credit and debit card transactions.
Apple is understood to earn 15 cents per $100 for Apple Pay transactions in the US. Fairfax reports the company is looking to maintain this rate in Australia, despite Australian banks earning roughly half the typical US fee.
Apple is understood to earn 15 cents per $100 for Apple Pay transactions in the US. Fairfax reports the company is looking to maintain this rate in Australia, despite Australian banks earning roughly half the typical US fee.
If that's the case it would list this as available at EVERY single merchant in my city.
Is it possible Apple has partnered with a few banks like HSBC and American Express who have a presence in a lot of countries and will launch in loads at once?
Amex especially pretty much uses the same system in all countries. So it wouldn't be hard for them to launch Apple pay anywhere.
Amex especially pretty much uses the same system in all countries. So it wouldn't be hard for them to launch Apple pay anywhere.
I seriously doubt this was accidentally added by Apple.
Instead, Apple probably records the location of any ApplePay transaction, and automatically add the ApplePay badge to the business' contact card in the Apple Maps app.
Seeing as every Coles/Woolworths in Australia has NFC payment capabilities, they're by-default compatible with ApplePay.
No doubt some American citizens have visited Australia and used ApplePay with their iPhones . . . Henceforth signalling to Apple Maps that a business is ApplePay compatible (even though ApplePay hasn't been launched in such country).
Instead, Apple probably records the location of any ApplePay transaction, and automatically add the ApplePay badge to the business' contact card in the Apple Maps app.
Seeing as every Coles/Woolworths in Australia has NFC payment capabilities, they're by-default compatible with ApplePay.
No doubt some American citizens have visited Australia and used ApplePay with their iPhones . . . Henceforth signalling to Apple Maps that a business is ApplePay compatible (even though ApplePay hasn't been launched in such country).
Someone woke up on the wrong side of the bed? I am well aware that there is a world outside of North America, But thank you.
Yes, we do. But that's still an extra card to carry around (unless one is using a non-iOS phone with built-in Suica).
Well it's interesting, I was speaking to a Rep from Starbucks here in Australia and she was saying that they were in the middle of redeveloping their "app" (if you could call it that) for release later this year. Keep in mind that Starbucks are now becoming a big player in Apple Pay in America with online ordering. I wonder if that's a sign of things to come?
That sounds very much possible, but I question whether Apple actually utilises (and keeps record) the location of Apple Pay-ment (they're pretty on top with their privacy stance. Given that in Australia, the Apple Maps location of business are often off the mark and there is simply too many issues in confirming which exact store you used Apple Pay, I feel this is less likely.
From all the Apple news, it seems Merchant meet with Apple when they want to support Apple Pay, and once agreements take place, Apple releases press releases that a particular merchant supports Apple Pay. In that same sense, I think Apple would seek the merchants and banks in the same in Australia.
Only in the USA though.
In Australia and most other countries the merchants already have the machine to accept NFC, and the policy of no requirement for signature. Mostly we just tape our credit car on the machine, it beeps and we take our purchase away.
So for us it's the bank. And we basically have 4.
(Great "economies of scale" arguments from the banks. Bad for consumers.)
Exactly.
You know, I understand that Banks are hesitant. But since EVERY MERCHANT accepts it already, and policy is fine, you'd think JUST ONE bank would sign on.
And thousands would switch to that bank. (Or credit union? Come on!
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You have it backwards. It's Apple that's greedy, wanting a piece of each transaction while doing absolutely nothing during a purchase. At most, they deserve a small registration fee for each new card added via their servers, since that's the only time they do anything to earn it.
Worse, Apple wants a ridiculously high amount:
For example, Interac charges its members 0.6 cents per debit transaction. Apple wants 0.5 cents per debit transaction. For doing nothing.
With credit cards, Apple wants 10% of the transaction fees. For doing nothing. To any bank CFO, that's a major hit.
In return, the banks get what? A minor bump in small contactless payments at first. They have little incentive from a security standpoint since they long ago moved to chip & PIN.
If Apple would be happy with just their already huge profits from selling NFC client devices, and not also demand a percentage of each purchase, then banks all over the world would sign up. Instead, Apple leverages its customer base as a product to be sold, something that Cook likes to point at Google for doing.
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Could be.
According to Apple's security documents, every time you use Apple Pay, your location (and date/time) can be anonymously sent up to the mothership, to "improve the accuracy of business names in your transaction history", among other reasons.
That could be used to to create a directory map of stores which take NFC payments, which would be quite handy.
Isn't Apple's "value add" that they're tokenizing the customers true card number, essentially making it worthless if intercepted via a hack like used at Target/Home Depot?
Good question. The answer is nope.
Apple has nothing to do with the account number tokenization.
That valuable piece was designed by, and is handled by, the credit card schemes (MC/Visa/AMEX), who created a standard for it almost a couple of years ago.
Apple simply installs the token they're given back during a card registration. And of course, Apple's servers are not involved during a purchase.
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Interesting. At the Verifone Retail Payment Conference last week, VISA had a talk where the presenter said that Apple approached them regarding tokenization, and they built the tokenization system for them.
Googling around, Visa's CEO said “We’re very excited about what Apple is doing. We think it’s a very elegant solution that we are thrilled with our participation in,". So it sounds like Apple is doing something?
To be fair, I see the same thing on Google Maps tooWell, Apple Maps is not the most trustworthy source when it comes to business listings to start with. Every day, I see listings for business that have been closed for months, and some open ones that are missing altogether. So I'm not really surprised if the Apple Pay information is not consistent either
That is solidly untrue. Rather, your implication is untrue. Tokenization was not invented by Apple, but Apple Pay is the only NFC-based system to implement the standard so far.
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Costco has it on at all of their stores? I'm only aware of one location so far (and several local ones I've been to still don't have it turned on).