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Apple Pay to Work With Mobile Websites Later This Year
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It's going to take a decade minimum before we even think about removing the magstripe from the cards themselves, let alone terminal support for it. (We're just now beginning to get cards without raised numbers and most places haven't used the click-clack machines in decades!) And since most retailers aren't enabling NFC at the same time as chip, MST is going to be usable for a very long time to come.
Apple is probably going to need to come up with a MST implementation that doesn't run afoul of Samsung's patents at some point if NFC acceptance doesn't get much better.
Kinda hard to get gasoline for one's car shipped.
I think Samsung Pay is a brilliant solution to using older systems. I LOVE Apple Pay and prefer it now at Panera Bread and the places when I see it. But Samsung's solution seems to work at more locations. So, yes, more brick-and-mortar stores please, AND yay for websites!
Like its our fault? Samsung Pay has the best solution. It works pretty much anywhere. Apple Pay has very little support.
Anyway, since there are "potential partners" for the website part of Apple Pay, I'm guessing this won't work on just anything with a credit card form. Thoughts?
The advantage Samsung Pay has right now is that it can be used everywhere. That gets customers used to the idea of using their phone for a payment and they have have to eventually switch to NFC, they are halfway there.
The lack of places that accept Apple Pay has really thrown a wet blanket over a good piece of technology. There are so few places that take it, I forget to use it at half the places that accept it. I've pulled out my card and swiped and then catch myself thinking 'I could have used Apple Pay.'
The biggest hurdle in the US is getting to the point where consumers feel like they can use it 'most places.' Otherwise it seems like more trouble than it's worth.
I suspect this is another sign Apple is about to add Touch ID to the new MacBooks it will introduce in June. Think about it: paying with Apple Pay on websites...adding Secure Notes to not only iOS 9.3 (where you can use Touch ID to unlock them), but also Secure Notes to OS X 10.11.4...where you have to *currently* use a password....
Touch ID on the new MacBooks could be a major boon to online shopping and the security-conscious Apple.
Touch ID on the new MacBooks could be a major boon to online shopping and the security-conscious Apple.
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Guess by the time the Apple Watch 5 comes out, we will also be able to use Apple Pay all across Europe..
I think they'll use Apple Pay and Touch ID as one of the selling points for the new MacBook's this year. It'll be interesting to see if they include older Macbook's without Touch ID for Apple Pay, because when launching the mobile payment service it only supported iPad's that had Touch ID.
How is expanding availability of a feature an admission that it's not succeeding? Seems more like wishful thinking on your part than a confession on Apple's.
Quitting is an admission that it's not successful. Expanding can be just the opposite - "It's succeeding, so we have to expand to satisfy demand." Or, "It's been part of the roadmap since day one, this is the next step in a phased roll-out." But sure, expanding use to other venues could be an attempt to pull a failing iron out of the fire. It's just not quite as likely an explanation.
There are all sorts of steps that might be taken to increase usage. I favor a more direct approach - marketing to retailers (to increase support/availability), marketing to consumers (to encourage usage), recruiting more banks... I'd attack the issue directly before giving up and going off in another direction. But that's just me. Apple... who knows?
I think it's the opposite actually. They are expanding it. Also, I don't think anyone expected Apple Pay to suddenly be usable everywhere. Such a fundamental change to how retailers accept payment is not something that happens overnight. It's a multi-year process. Particularly with competing solutions trying to get in the way. I'm finally noticing hold-out retailers rolling it out. It's getting more widespread every few months.
The system at my Trader Joes works every time the first time, and the fact that they accept it as a debit card makes it the only place I know of where I can get cash back through Apple Pay. Anywhere else, if I need cash back, I have to slide my card like a freaking caveman.
You're right about Walgreens. They were first out of the gate to not only accept Apple Pay, but to configure the terminals to work reliably. This demonstrated to me early on that any glitches at other retailers are probably not Apple's fault but the retailer's.
Awesome move by Apple. This will open Apple Pay to a TON of new retailers and make it even easier for people to buy online securely. It'll also make Apple plenty more $$
No, but it is a possible sign that their priorities are shifting. For instance, Apple used to be far more vocal about new retailers supporting it. Now? We hear about them through earnings reports, at best. Also, how about the presentation from the other day? They only mentioned the "3 million cards" from China stat and nothing else. Wouldn't Apple want to promote any new successes in the US market (or others) at the same time?
I'm just thinking that Apple might have decided to focus on in-app and (now) on-website uses of Apple Pay far more than NFC because of the rougher than expected acceptance of the latter. They aren't exactly going to admit when things aren't going that well.
The credit card industry processed $4 trillion in the U.S. in 2014. Did you expect Apple to wipe them out overnight?
In a year and a half they've done a lot. Far more than Google did in more than double that time.
It won't happen overnight or even in the next 5 years but they've made significant advances and been far more successful than anyone else in replacing plastic credit cards with another secure transaction method.
Except that Apple never wanted to wipe them out--the card industry's support (and retailers') is kinda important for Apple Pay to work. Fortunately in the US they got the former but they probably didn't expect the latter to be as anti-card as they've shown themselves to be.
People have been saying for a couple years that MacBooks would get TouchID, nothing surprising there other than it hasn't already happened. Still confused why they didn't do it in 2013 when instead they power button on the keyboard instead of replacing it with a TouchID sensor.
I'm hoping though that OS X 10.12 (or sooner) that iphones will be able to be used for remote TouchID/ApplePay verification on machines that don't have it built. Presumably extending OS X handoff or something akin to Knock.
I'm hoping though that OS X 10.12 (or sooner) that iphones will be able to be used for remote TouchID/ApplePay verification on machines that don't have it built. Presumably extending OS X handoff or something akin to Knock.
Apple Pay in Australia?? I don't think so. Technically yes, they have signed up American Express, which not many people at all have in Australia (funny about that) Apple are going to miss the boat, by being greedy and not negotiating with Aussie banks. Negotiations are 2 WAY Apple........Google are going to flood the market. Who ever is in first will have the majority. Such a poor effort by Apple. 3 models of iPhone (& Apple Watch) I have had with NFC in them which have all been 100% useless in Australia. Thanks Apple.........
Haha, an admission? I'm dying laughing over your logic. It's about expanding the footprint of Apple Pay to the world of online transactions, as well as bringing the service to OS X computers. Far more ways for Apple customers to use Apple Pay making purchases online and with much more transaction fee revenue flowing to Apple.
Perhaps you think Apple should just be satisfied with limiting Apple Pay to handling brick and mortar transactions, and ignoring the huge world of online commerce? Yes, I'm sure Apple's executive staff were pushing hard for limiting their potential revenue to just brick and mortar transactions. A tough decision.
