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You see this everywhere, for instance at a supermarket checkout, I already have my card in my hand to pay, lots of people only take it out when asked to pay, time lost.

exactly so, same will happen(and already does, i'm sure) with applepay in transit systems.
you rarely see someone adding a bunch of change together to pay at a register, but 20 years ago you would see that on a daily basis...
 
The Netherlands has a Public Transport Card for the whole country, the EU should force Apple to open up NFC.

Please no. I’m glad Apple still as a lockdown on NFC and it’s one of the main reasons Apple Pay is such a success over the mobile payment chaos on Android.

Forcing Apple to accept free implementation of NFC for certain public use cases (scanning passports, public transit) would be great though.
 
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Tokyo transit system doesn’t use Apple Pay last I checked. Uses Suica on iPhone, which uses the FeLiCa (NFC) chip. Apple Pay would be far to slow to allow the mass of transit users to pass efficiently. Suica/FeLiCa much much quicker, and has express mode (no need to authenticate each time). You can reload your Suica from Apple Pay, but author seems to be confusing the two.

I understand your confusion, but the author is correct since the name Apple Pay refers to the use of the NFC chip in the iPhone to make a payment by any relevant standard (whether thats on the Visa/Mastercard networks, AMEX, China UnionPay, Suica, the new Chinese Travel Card standard whose name I forget...). They aren't all interoperable (if I go to HK i have to tell them I want to pay by UnionPay Quickpass rather than apple pay) but they are all Apple Pay.
 
snip...Everytime there is a news article about Apple Pay expanding in the USA i dont understand whats happening. Here in the UK, everywhere accepts it and it seemed to happen overnight. I can literately use Apple Pay for any purchase at any store. The only thing that took a while was the abolishing of the £30 limit Why is the USA slow? Am I missing something?
Yes you are.

It can also be said the opposite way, everytime there is a news article about Apple expanding in the US, there is always post from UK, Canada, Austrailia asking the same question.
The US has a few thousand individual regional banking institutions of varying size and importance. Most other developed nations tend to have a much smaller number of national banks.
To elaborate further on Lunarworks above comment:

First, US is ingrained in their habits, and some of the population is reluctant to change.
For example, the number of people in food supermarkets who pay with cash and actually dig out the exact coin change.
So a culture change is needed.

Second, there's this:
UK’s Lessons For US Mobile Payments Adoption

Here's an excerpt:

NOW FOR THE “BUT”

OK, you say, so all we need to do now is hustle up and get contactless POS terminals out there in massive force.

If it were only that easy.

In the U.S., there simply aren’t the same dynamics in play.

Two million contactless terminals today sounds like a great start — until you do the math. There are something like 13 million POS terminals across a massive geography that is the United States, not including mPOS devices.

The U.S. is also a market in which there are 1.2 billion payments cards in circulation, more than 47 billion debit card transactions, more than 26 billion credit card transactions and 209 million adults over the age of 18.

Oh, and something like 14k financial institutions that issue those cards and countless merchant acquirers and ISOs all hawking merchants to deploy new terminals.

It’s a whole lot harder to wrangle this ecosystem to the ground given the diversity of merchants and the engrained plastic card habits honed by consumers over the last 50 or so years.
 
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"that means double-pressing the home button or side button, authenticating with Touch ID or Face ID, and holding the iPhone near the card reader."

This takes too long. I know it seems fast, but I've been in NYC and ridden the subway quite a few times and it's a constant flow of people through the turnstiles, each person swiping their card through as they're walking.

If there's any kind of delay, like having to satisfy FaceID or wait for TouchID, it's going to slow things down and people will get pissed. Nevermind that TouchID doesn't work with gloves on and NYC has winter, and FaceID doesn't always read correctly.

If I were a New Yorker I wouldn't bother with using my phone and just get the Contactless MetroCard equivalent they're no doubt going to offer.
This.
What they are considering is great for paying your bus fare but at a turnstile nothing beats the passive experience of a tap card. Just wave that sucker and keep moving.

Of course, on your watch this might just work since it doesn't require the same authentication rigamarole...
 
I'm confused by this article.
  • Does it mean that some cities are simply adopting contactless payment for PAYG transit tickets, like London or Moscow do?
  • Or are they adopting Apple Pay specifically? In which case why adopt Apple Pay instead of global contactless standards? Are there any benefits?
  • Or does it mean that Apple lets you store a dedicated pre-paid transit card as a payment card in Wallet, allowing NFC use whereas other types of cards can only display barcodes/QR codes?
  • Is Apple opening to new types of NFC standards? AFAIK, contactless payments in the Western part of the World uses NFC A-B, which is quite slow but secure, while Japan or Hong-Kong use FeliCa (built into Japanese iPhones since the 7 and in all iPhones - but only activated in software in Japan - since the 8/X) which is fast and doesn't require lengthy authentication steps.
So many questions.
And my biggest wish remains unfulfilled: for TfL (London) season passes to be available on Apple Pay (but you can only pay for PAYG tickets using Apple Pay in London).
 
Forcing Apple to accept free implementation of NFC for certain public use cases (scanning passports, public transit) would be great though.

I think the UK government is currently trying that: https://www.theguardian.com/politic...-citizens-to-work-on-iphones-says-sajid-javid. I received that email myself. Wait and see - thus far, the whole Brexit thing has been characterized mainly by false promises...
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Hong Kong is still stuck with the octopus card.
technically, since it uses FeliCa and all new iPhones are FeliCa enabled (even outside Japan), one could hope for Octopus to be integrated the same way it works in Japan...
 
"that means double-pressing the home button or side button, authenticating with Touch ID or Face ID, and holding the iPhone near the card reader."

This takes too long. I know it seems fast, but I've been in NYC and ridden the subway quite a few times and it's a constant flow of people through the turnstiles, each person swiping their card through as they're walking.

If there's any kind of delay, like having to satisfy FaceID or wait for TouchID, it's going to slow things down and people will get pissed. Nevermind that TouchID doesn't work with gloves on and NYC has winter, and FaceID doesn't always read correctly.

If I were a New Yorker I wouldn't bother with using my phone and just get the Contactless MetroCard equivalent they're no doubt going to offer.

As a heavy user of the NYC subways, I think it will still be faster than the mis-swipes from the current turnstiles. I usually have to swipe 3-4 times
 
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"that means double-pressing the home button or side button, authenticating with Touch ID or Face ID, and holding the iPhone near the card reader."

This takes too long. I know it seems fast, but I've been in NYC and ridden the subway quite a few times and it's a constant flow of people through the turnstiles, each person swiping their card through as they're walking.

If there's any kind of delay, like having to satisfy FaceID or wait for TouchID, it's going to slow things down and people will get pissed. Nevermind that TouchID doesn't work with gloves on and NYC has winter, and FaceID doesn't always read correctly.

If I were a New Yorker I wouldn't bother with using my phone and just get the Contactless MetroCard equivalent they're no doubt going to offer.
You double click to pre authenticate and then hold the phone next to the turnstile. Shouldn’t be any worse than swiping a metro card.
 
No it does not take too long, the UK has had this in London for years now

To us, its too long. London doesn’t compare. New York has a greater population density, and more people in general. Add that to the fact that New York’s pace and its people also walk the fastest of all the megacites (hence “New York minute”), and its a system that is measurably too slow for New Yorkers.

Still, I’m sure many of us would use it, during rush hour though? Nah. Those that try will learn.
 
You double click to pre authenticate and then hold the phone next to the turnstile. Shouldn’t be any worse than swiping a metro card.

TIL you can do this. Wow, this is a game changer. This will speed my regular Apple Pay transactions too. Just tried it on campus.

All this time I thought you had to hold it by the reader, then authenticate. I guess I would have learned the other way had I used a FaceID phone more, but I still have my iPhone 7 Plus.
 
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maybe apple pay will give the mta a jumpstart on a makeover...)

That'll only make the MTA worse, use last generations trains, not admit to any problems, and charge piecemeal subscription prices for everyone, from the average commuters to advitisers.
 
This is a very welcome use of Apple Pay.

I wonder if you can buy a transit pass online and use it like an airline boarding pass?

Well, for instance, right now you can use Apple Pay to log into an ATM. There is no transaction amount; the Apple Pay transaction is just to identify you so you can log in with your PIN.

They could theoretically do the same with transit cards. You buy a "virtual transit card" with Apple Pay for $20, then when you Apple Pay at the turnstile, it just uses that to determine that it's you and lets you through, deducting it from the balance. The idea is to not have to do millions of $2-$3 transactions daily.

This would also work for monthly passes and the like.
 
"that means double-pressing the home button or side button, authenticating with Touch ID or Face ID, and holding the iPhone near the card reader."

This takes too long. I know it seems fast, but I've been in NYC and ridden the subway quite a few times and it's a constant flow of people through the turnstiles, each person swiping their card through as they're walking.

If there's any kind of delay, like having to satisfy FaceID or wait for TouchID, it's going to slow things down and people will get pissed. Nevermind that TouchID doesn't work with gloves on and NYC has winter, and FaceID doesn't always read correctly.

If I were a New Yorker I wouldn't bother with using my phone and just get the Contactless MetroCard equivalent they're no doubt going to offer.

Isn't pulling out a physical card from a wallet certainly more time consuming than using FaceID?
 
"that means double-pressing the home button or side button, authenticating with Touch ID or Face ID, and holding the iPhone near the card reader."

This takes too long. I know it seems fast, but I've been in NYC and ridden the subway quite a few times and it's a constant flow of people through the turnstiles, each person swiping their card through as they're walking.

If there's any kind of delay, like having to satisfy FaceID or wait for TouchID, it's going to slow things down and people will get pissed. Nevermind that TouchID doesn't work with gloves on and NYC has winter, and FaceID doesn't always read correctly.

If I were a New Yorker I wouldn't bother with using my phone and just get the Contactless MetroCard equivalent they're no doubt going to offer.

you can authenticate payment prior to being at the machine.. face/touchID as you’re getting near the turnstile then just hold the phone near the reader once you’re there

(this goes for all ApplePay transactions.. you don’t authenticate when you’re holding the phone at the reader. (or, you don’t have to))


edit— nevermind.. i see this has already been discussed above..
 
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Please no. I’m glad Apple still as a lockdown on NFC and it’s one of the main reasons Apple Pay is such a success over the mobile payment chaos on Android.

Forcing Apple to accept free implementation of NFC for certain public use cases (scanning passports, public transit) would be great though.

What chaos?

Apple locking down the NFC serves only Apple.

It's like saying you're glad they locked down the Bluetooth chip on HomePod to avoid the audio source chaos.

Prison is freedom.
 
This is huge news for commuters. Spending time between Tokyo and NYC made me appreciate the need for NYC to get its bloody act together, at least with payment options. Soon I'll be able to use Apple pay for everything. I just hope this doesn't turn into a bad thing.
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I did notice that they installed the new terminals at the 7 train Grand Central entrance over by 3rd Ave. If it doesn't support my unlimited card, though, I'll have to wait on usage :(
I am only guessing here, but I imagine you would be able to add your metrocard to Apple Pay. You might even be able to add two of them, perhaps one unlimited and a second single fare card.
 
So old, we’ve been using Apple Pay on London Underground for the last 4-5 years. I use my Apple Watch to touch in and out to go to work. Only thing is is the touch pad is on the right and I wear my watch on my left wrist.
 
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