Wait - I use contactless payments on my iPhone 13 Pro and have my Visa designated as default. Is Apple moving toward making Apple Pay the only contactless payment option on iPhone? if so, I feel differently about that than what I was interpreting.
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EU Officially Objects to Apple Limiting Third-Party Access to Apple Pay NFC Capabilities
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This should ruling should have happened first in Australia 5 years ago… but the authorities at the time couldn't see the forest for the trees, as they thought the banks were monopolising a fair market, rather than Apple. I'm glad to see the European Union has more foresight on the matter.
To be fair, from the description you linked to, the banks were asking to collude in order to prevent a new competitor from entering the market. Sounds like a reasonable decision to me.
And that is a good thing. Macrumors posters keep saying change is good, competition is good. But dont really put their money where their mouths are.
No one is asking Apple to build a product. They are asking to allow a developer to use the hardware inside the device for its intended purpose. Apple didn't invent NFC or even make the tech in their devices.
This is a facet of multiple issues Apple is facing with their API's being locked down and controlling everything under the sun on the iPhone and iPad.... which is totally the opposite of their Mac line. Imagine if when optical drives were a thing, Apple told everyone they were creating an API that only allowed DVD's sold or approved by Apple to be playable on their computers, despite their being open standards for DVD-play back and region codes. That's bascially what they are doing by locking down the NFC chip.
Or... they think iPhone users are too stupid to know that they are scanning their phones using an app they downloaded directly for a banks specific payment product. Which is kind of their argument about everything... and people defend them in droves.
Except they are. Secure, documented APIs fit for public release don't just magically appear. Apple has to build the software necessary "to allow a developer to use the hardware inside the device for its intended purpose."
I'm honestly surprised apple haven't done it yet as that would be awesome to just use Apple Pay in apps and websites.When I punched this topic into my news search, I also ran into this from a couple of weeks back.
Google Announced The Integration of Android Pay with Mobile Banking Apps
Google announced the Android Pay Integration with mobile banking apps that will help Android users to simplify their complex payment methods in a more secure way.www.mindinventory.com
Maybe if Apple was actually working on something instead of claiming the old "security" ploy they would not be subject to this?
Apple obviously profits off of Apple pay which is why lots of banks either don't participate or took their sweet time doing so, and many stores outright don't accept Apple pay at all.
The issue is that there are open standards for NFC and the only thing preventing people from using the hardware is Apple itself. On an Android device, this is not the case. Apple might as well dictate what images are allowed on their displays, or what wireless routers you can use to connect your phone too (like only Apple ones, if they still made them).
On Android, you can have Samsung pay alongside Google Pay along side a banks app allowing NFC payments or even enable work badges on a phone. Where payment platforms are proprietary is in their won apps with how they encode and decode account numbers, store, transmit, and charge fees.
If NFC wasn't already governed with open communications standards, and Apple actually invented the hardware it would be a totally different story here. Apple is saying on their App is allowed to use the NFC chip in the iPhone the way they like it.
What makes you think they're not? Because Google put out a press release first? I've already said that I'd bet Apple's solution is coming next month at WWDC.When I punched this topic into my news search, I also ran into this from a couple of weeks back.
Google Announced The Integration of Android Pay with Mobile Banking Apps
Google announced the Android Pay Integration with mobile banking apps that will help Android users to simplify their complex payment methods in a more secure way.
Maybe if Apple was actually working on something instead of claiming the old "security" ploy they would not be subject to this?
That's probably why the EU is putting out their press release now. Come June they can claim victory for something Apple was going to do anyway.
That’s absolutely why WalMart doesn’t use Apple Pay. To stores, Apple Pay is like a cash transaction as far as being able to be tracked.Lot of good input here I can see.
No one every inch of land in the US is at the top of communication technology. Cash is still a thing.
BUT, if company is taking credit cards these days, they’re communicating every transaction back for verification and have been doing so far longer than they would have had the capability to do so in Europe.Apple are free to make an API endpoint that allows app to use the NFC. This has, technically speaking, nothing to do with a walled garden. I know, I work with this kind of stuff.
I prefer cooperates being held reliable. Voting with your wallet only takes you so and so far. Just look at America and their so-called "freedom". Money didn't fix any of that.
What makes you think they're not? Because Google put out a press release first? I've already said that I'd bet Apple's solution is coming next month at WWDC.
That's probably why the EU is putting out their press release now. Come June they can claim victory for something Apple was going to do anyway.
I almost didn't respond as your reply was a bit condescending and incorrect.
To your reply, I have no idea on this as it is an article I found. Hats off to Google as I think it is a good idea. Apple could be working on something like it however at this time, with no announcement, we as consumers have nothing to tell us either way.
Build new APIs?
From my previous dev days, there were "public" APIs which were documented and Apple only non-documented.
- Documented which we could use.
- Undocumented which were APIs that Apple leveraged for their functions/apps only and we could not use.
I don't think anything has changed lately.
So in all likelihood they exist, just not documented or shared with devs.
Look at blackberry to see what voting with your wallet means. I prefer this rather than regulation. But ymmv.
In my neck of the woods nearly most stores that have a newish terminal accept Apple Pay. Exceptions are some big box stores such as Walmart and Home Depot.
And again. If open nfc is a priority functionality then android has it.
Precisely, BB blew it and people voted with their wallets. In this case it was the demise of BB but it serves as a wake up call to manufacturers of consumer oriented mass production devices to provide functionality that consumers want.
If sideloading, open nfc, alternative app stores were a priority to consumers these functionalities already exist in other platforms.
Ehhhhhh. Okay, I can kind of see it.
BB marketed to business while iPhone marketed to consumer. As a consumer it wasn't really voting with your wallet. I see this more as a case of BYOD killed the BB.
Nobody said it has to be more apps. Just the wallet app would be fine, if only we could add any bank card or public transport card to it. (Like on any android phone. Without any security issues.)
Apple's cancellation of Apple Pay in Russia is scary warning to all countries. No nation wants to be at the mercy of Apple's San Francisco executive team
Let them go buy Samsung with android os there! Now they
well you’re probably right on all of that. Not at you of course but where was EU and the Apple haters at when Walmart Target Kroger Home Depot and others were telling Apple to stick it up their rear end and we are not letting you in on our system. Now, the EU which does absolutely nothing except it seems is fining American tech companies with deep pockets. Just a bunch of ingrates to say the least.