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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.

Apple gets a percentage of every card processing fee. They want Visa and MasterCard to keep existing, they just want to be the ones processing those payments instead.
 
Couldn't this be done like keychain that can already store and fill in your credit card info? Just have it store the device account number rather than the actual card number. With keychain we still have to enter the 3 digit card security code so there is a safeguard built in. As others have suggested, maybe triggering TouchID on a phone or iPad that's logged into the same AppleID could transfer the dynamic token?

It'd be fine if Apple decides to add TouchID to new macs to streamline the process, but I hope a new computer won't be necessary to use the feature at all.
 
Awesome! Now make it work at more stores...
Best thing you can do is ask at every store you go into. Look for the symbol on the terminal. Often times you can educate them. You wouldn't believe how many clerks didn't know they supported it and it worked. I was just in an Irving Circle K gas station this morning and the woman said, "Oh, we don't have that" when I put the phone up to the terminal. She even said that her manager had told another customer it didn't work as well. I told her I had used it there many times in the past and she was surprised when it went right through.
I use it everywhere I can now. Reduces the opportunity for credit card theft.
 
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.

That was probably badly worded. Let's take a look at how the NFC part of Apple Pay's doing though:
  • US: hostile retailer environment (either actively in the case of MCX or passively in the case of retailers who are taking a "wait and see" approach/have de-prioritized it in an attempt to stop losing money from swiping chip cards sooner)
  • UK: £30 limit, patchy retailer support outside major cities
  • Canada/Australia: AmEx only, resulting in poor retailer acceptance
  • China: too early to tell
Wouldn't it make sense for Apple to prioritize other uses for Apple Pay (like in-app in the case of the Speedpass+ app or the ability to use it with any website as this article mentions) until those issues are resolved somehow? That's what I feel like we're seeing here.

Apple gets a percentage of every card processing fee. They want Visa and MasterCard to keep existing, they just want to be the ones processing those payments instead.

Sounds an awfully lot like they want to be a bank...
 
It'd be fine if Apple decides to add TouchID to new macs to streamline the process, but I hope a new computer won't be necessary to use the feature at all.

What do you want to bet they make it work with a mac, but will still require an iphone to use it. Will also likely require Safari to complete any Apple Pay transaction.
 
What do you want to bet they make it work with a mac, but will still require an iphone to use it. Will also likely require Safari to complete any Apple Pay transaction.

I'd be fine with that. I assume a TouchID enabled iPad could substitute for an iPhone.
 
Not sure it's the only solution.
I went to TWO Walgreens in TWO different cities, and tried to pay with apple pay. Both failed.
The second time the lady at the counter even said "Oh, the Apple thinghy never works. Samsung yeah - that's much better if you want to pay with your phone".
It burned.
Yeah I have Samsung Pay and it works literally everywhere. One place where Samsung definitely has Apple beat.
 
About time!!!!! I don't think I've seen an Apple pay terminal in a store yet, so actually being able to use it for online stuff would be friggin amazing! Be great to buy stuff without having to create yet another account just to buy one thing, I always use PayPal if it's available to try and avoid doing that.
 
Not sure it's the only solution.
I went to TWO Walgreens in TWO different cities, and tried to pay with apple pay. Both failed.
The second time the lady at the counter even said "Oh, the Apple thinghy never works. Samsung yeah - that's much better if you want to pay with your phone".
It burned.

Yeah, I can't help but think that the next iteration of Apple Pay (in the iPhone 7) is going to take a page from Samsung Pay and be able to mimic a card swipe without blatantly infringing on Samsung's patent (hopefully).
 
You don't need a fingerprint sensor on the Mac, you have the Mac connect to your iPhone/iPad and get the confirmation that way. It's just an extension of what you have now with the integration between your iPhone, iPad and Mac that allows phone calls to be picked up on whichever you choose when you receive one. There will have to be some work to make sure it's a rock solid secure transaction, but the pieces are there, and it will work with all of the Macs and not just the laptops.

Exactly like how the  Watch does it.
 
Yeah, I can't help but think that the next iteration of Apple Pay (in the iPhone 7) is going to take a page from Samsung Pay and be able to mimic a card swipe without blatantly infringing on Samsung's patent (hopefully).

I would LOVE to see that functionality. That would easily trump the current things being rumored (waterproofing, wireless charging, lightning ear buds, etc.)

I was a day 1 customer for the 4, 5 and 6. But none of the rumored features have me excited about the 7. Now that AT&T charges a lower rate once the phone is paid off, I'm not looking to upgrade just to upgrade. But that kind of functionality would get me off the fence.
 
Cool, but I can't help but think that this is an admission that Apple Pay hasn't been as successful as they have hoped. Also, why not just have an iCloud login box pop up on the Mac? They already do that for App Store purchases.
How is expanding something an admission that it's not successful? Wouldn't it be the opposite? If they stopped growing that would signal a failure to me.
 
Not sure it's the only solution.
I went to TWO Walgreens in TWO different cities, and tried to pay with apple pay. Both failed.
The second time the lady at the counter even said "Oh, the Apple thinghy never works. Samsung yeah - that's much better if you want to pay with your phone".
It burned.
This is something with your local walgreens, apple pay works fine at every walgreens I've been to. Even your walgreens card goes through apple pay instead of them scanning the barcode.
 
Your phone has an NFC chip, which your Mac does not. However the phone version appears to allow PIN authentication as a fallback if fingerprint auth isn't working... so perhaps something along those lines would work on a computer. Or, some sort of pairing with your iPhone's fingerprint reader - something loosely analogous to how Amazon does 2-factor auth with SMS.

But I'd want to vet any sort of a computer-based Apple Pay setup very carefully, since most people don't treat their computers nearly as protectively as they treat their phones.
My iPhone has nothing to do with it as I can use my Apple Watch independently. The iPad can be used in apps to make payments with Apple Pay and it has no NFC. The Mac doesn't need NFC because you're not going to pay with it in a store. I'm not sure why people can't wrap their minds around this! It's for paying online. You don't need NFC, you don't need Touch ID.
 
I don't get all the talk about TouchId somehow being necessary to use web Apple Pay on a laptop or tablet.

Hundreds of millions of us use PayPal, stored cards on Amazon and on iTunes on iPads without fingerprints.

No one says it's necessary, just more convenient. Online retailers are always looking for ways to stop people abandoning their baskets at the checkout; a one tap payment will certainly help.
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Cool, but I can't help but think that this is an admission that Apple Pay hasn't been as successful as they have hoped.

Wow.

That was quite a reach.

Expanding the service is actually a sign of success… in this reality anyway.
 
Apple Pay with one touch authorisation is definitely going to make purchases more seamless. I definitely looking forward to it.

Just wondering how much will Apple charge vendors for per transaction fee. And all these data which Apple will be collecting.. Are they going to relay these data to their iAd platform *seriously not working*. Oh well, just curious~
 
If they enable it for Mac, I want to be first in line with my mini at the register. I will have to borrow an outlet from the checker and a port on their display but you know it will be sweet.

I should add something here that adds to the topic too. The main reason I have store apps at the moment is rewards points. Some allow payment via the app but thats not the main reason I have them loaded. Ahh, more Apple Pay is good for me though, I use it everywhere I can. I have even paid a little too much for gas twice just to pay from my car with the SpeedPass+ app. (uses Apple Pay if you did not know yet)

If you live in the Midwest, you can buy gas at the Meijer's pump using the native Pay app. No fooling around necessary as with Mobil speedpass setup.
 
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