Apple should sue Lowes, Kroger's and Macy's for not allowing Apple Pay in their stores. Android pay works at Kroger's, though.
The Google model is so different that this comparison is not useful. Google writes software android that many use for their own hardware. Google has to enable their pay on all systems on other hardware. They have no realistic choice except it be open because attempting to close it doesn’t make logistic sense at all.You're misunderstanding the issue here...
The complaint is Apple is locking out other tap to pay wallets (Google Pay, Samsung Pay, etc) on the iPhone from utilizing the same underlying hardware all the services use. There is no reason why, other than Apple saying so, that Google Pay shouldn't work the same on an iPhone as it does on any Android device.
Whether or not Apple wants to update their product to work on Android devices is solely up to them. At the moment, there is no need because they have this monopoly they're literally banking on.
It's not just Google and Samsung, even individual banks are unable to offer their apps on iPhone.
I asked my bank, which already has the app for Android if they have any plans to release their app on iPhones, they said they cannot because of the stuff of "technical nature relating to the iPhone".
You immediately can tell what it is.
Capitalism isn't the answer to everything. Especially unregulated capitalism.Capitalism baby.
Source? I know many people who'd be glad to switch providersDon’t try to get everything regulated when, certainly in this specific instance, it means absolutely nothing for a consumer, rather to save the big boys some money from Apple, another big boy.
So they should sue stores for deliberately not subscribing to their service from which they earn commission? I'm sure this case will go throughApple should sue Lowes, Kroger's and Macy's for not allowing Apple Pay in their stores. Android pay works at Kroger's, though.
Instant payments via NFC, isn't this thread about NFC payments?That’s BS. I have 5 different apps for banks on my iPhone. What does a bank’s app on an iPhone have to do with NFC functionality?
Monopoly sure does get thrown around a lot when it comes to Apple, a firm and distant worldwide 2nd in the 2 horse mobile OS race that is ios and android.You're misunderstanding the issue here...
The complaint is Apple is locking out other tap to pay wallets (Google Pay, Samsung Pay, etc) on the iPhone from utilizing the same underlying hardware all the services use. There is no reason why, other than Apple saying so, that Google Pay shouldn't work the same on an iPhone as it does on any Android device.
Whether or not Apple wants to update their product to work on Android devices is solely up to them. At the moment, there is no need because they have this monopoly they're literally banking on.
This lawsuit is based in the US, so mainly you should consider the 53/47 (I think) ratio of iOS vs Android devices. Secondly, Apple owns 100% of the payment service market on iOS, while not even Google can say the same about Android. If that isn't a monopoly, I don't know what is.Monopoly sure does get thrown around a lot when it comes to Apple, a firm and distant worldwide 2nd in the 2 horse mobile OS race that is ios and android.
So switch to android 🤷♀️ it’s the same thing.Source? I know many people who'd be glad to switch providers
Not buying that - Apple is a multinational company. Unless it’s taxes, You can’t pick and chose as much as world governments what to be able to. Then as you admit, you don’t know what is. I’m pretty sure you can use an Apple device to access the internet and chose however the website or vendor requires (a monopoly perhaps?!) wishes you too.This lawsuit is based in the US, so mainly you should consider the 53/47 (I think) ratio of iOS vs Android devices. Secondly, Apple owns 100% of the payment service market on iOS, while not even Google can say the same about Android. If that isn't a monopoly, I don't know what is.
It's really not and you know it.So switch to android 🤷♀️ it’s the same thing.
By the way, I did read it and there's no indicator that suggests fixing this would mean nothing to consumersBy the way, read the article. That’s the source.
You're implying one or more of the following:This is a typically ridiculous lawsuit that depends on the following: You design a product and add a feature. You are successful with this feature and this then gives everyone the right to use the feature. Not.
Just because Google have a similar feature but do not charge 3rd parties to use it, is not an argument for forcing Apple to allow 3rd parties to use their successful feature. Either Apple were just better at selling the feature or Google were less successful or Google simply used it to attract customers to their platform so they could steal their usage profiles etc.
The market would soon tell Apple to stop restricting their feature to Apple and open it up (by people not buying iPhones), but apparently the market is not and iPhone users seem perfectly happy with the arrangement (otherwise they would not buy iPhones). Exactly what would opening it up do for existing iPhone users? Generally where there is a tap to pay or NFC payment terminal they handle both payment systems.
This an Apple product designed by Apple and you have every right not to buy it if you feel that a particular feature is not usable or should be open to other parties to use. Go buy an alternative. This lawsuit is a blatant money grab because the iPhone is successful and they want a piece of Apple's pie (😎) and has nothing to do with users etc.
From the article:By the way, I did read it and there's no indicator that suggests fixing this would mean nothing to consumers
Isn’t it? Choosing to a new provider is what you suggested. Isn’t this that?It's really not and you know it.
If Apple were to add support for other payment vendors, wouldn't customers gain from it?From the article:
For every Apple Pay transaction completed with a U.S. issuer's payment card, the issuer must pay Apple a fee of 0.15% for credit cards and half a cent for debit cards, the complaint alleges. By comparison, Google allows multiple mobile wallets on Android smartphones and does not collect a fee from U.S. card issuers for tap-to-pay payments.
And:
The complaint seeks monetary relief for all U.S. card issuers that paid Apple a fee for any Apple Pay transaction made with any of its payment cards.
That’s not realky about you or I. Is it?
That would imply Android and iOS are otherwise functionally equivalent, which they aren'tIsn’t it? Choosing a new vendor iels what you suggested. Isn’t this that?
First: that’s not what the OP is talking about. Maybe consumers would gain, but I fail to see how. All these mobile payment systems use the standard banking system cards. So really, the only ones to gain are the ones which don’t wish to pay a fee, only charge a fee. (To us, either monetarily or data-wise).If Apple were to add support for other payment vendors, wouldn't customers gain from it?
That would imply Android and iOS are otherwise functionally equivalent, which they aren't
The only time I would like another option is stupid Redner's. For some reason, any card I try to use in AP instantly gives an ! and Failed. The cards aren't declining.To what end? What exactly is the benefit of using multiple separate wallets?
Absolutely 100% this.Just try to remember there is a difference between "I think Apple should do x" and "the government should force Apple to do x".
Exactly. I’m surprised by the comments here. I don’t see why having additional payment options on iPhone is a negative so long as other platforms are held to the same standard and permit Apple Pay if Apple so chooses.This came earlier than I thought it would, to be honest. It's nice to see the US follow the steps of the EU in this matter
Despite not being strictly on-topic with OP, the discussion was already going towards the direction of other payment vendors added into iOS.First: that’s not what the OP is talking about. Maybe consumers would gain, but I fail to see how. All these mobile payment systems use the standard banking system cards. So really, the only ones to gain are the ones which don’t wish to pay a fee, only charge a fee. (To us, either monetarily or data-wise).
You can put anything you want (pretty much at least in my part of the world) in to Apple wallet. Makes no difference to ‘us’ realistically where we put out payment card. Unless you somehow ‘hate’ Apple. In which case perhaps use a different system? It’s semantics really at this point.
You could say KaiOS is the same as iOS for what it is, but it doesn't have iMessage and iCloud support, it can't run iOS-only games and apps and is generally a different experience.Second: Android and ios are functionally identical for what they are, they just go about it in a different way. There is nothing (fundamentally) you can not do in either system (aside app availability).
There is a difference between "The government should force Company X to do Y because I say so" and "The government should force Company X to do Y because not doing so harms the market and consumers"Just try to remember there is a difference between "I think Apple should do x" and "the government should force Apple to do x".
And Wal~Mart. At least Target finally allowed it. And Redner's is even worse because they supposedly take it, but it always gives a Failed ! errorApple should sue Lowes, Kroger's and Macy's for not allowing Apple Pay in their stores. Android pay works at Kroger's, though.
Totally, but I think the issue is Apple not wanting to add Apple Pay to other platforms.Exactly. I’m surprised by the comments here. I don’t see why having additional payment options on iPhone is a negative so long as other platforms are also forced to permit Apple Pay, especially if Apple Pay remains the default on iPhone.
That's another issue entirely but allowing that would remove the need for this.In my view, this differs from being forced to allow third party app stores which would directly affect the security of iPhone.
Whether Apple chooses to make Apple Pay available on other platforms is up to them - the government just needs the ruling to be consistent across all platforms.Totally, but I think the issue is Apple not wanting to add Apple Pay to other platforms.
That's another issue entirely but allowing that would remove the need for this.