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PayPal Launching Contactless iPhone Payments in Germany to Compete With Apple Pay
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Had no idea. Good thing I enrolled for the debit card when I signed up for Venmo. 🤷🏾♂️
Windows had over 90% of the market when they went through their antitrust actions, Apple has less than 30% of the market in the EU. The two situations aren’t remotely comparable.
I have been locked out for years because their authentication system wants to call the original phone number I had in 2000 not the more recent number I changed it to in 2003. Logging in was fine until about 2012, then someone tried to hack the account and it went into defense mode and I could never get back in.
Luckily, I didn’t have any funds stolen by them by this silliness.
But you haven’t heard of the thousands upon thousands of people where PayPal froze their accounts and stole their money?
Why bother with them in 2025? There are so many safer ways to pay and collect than PayPal
Exactly. People have the right to choose Apples walled garden because 70% of the market is an alternative. The EU has decided people are dumb and don’t understand they have a choice in Android, and that hundreds of phones are available to them that run Android.
And none of the savings passes to the consumer.
Not where I shop. I see Amazon Pay more often than Paypal when ApplePay is missing, but I see apple pay more and more.
Apple’s implementation of the Wallet app is a mess. Having yet another app to manage separate items is another terrible idea that causes further fragmentation. Apple needs to develop an API for developers that allows them to integrate their payment platforms (not just Apple Pay), loyalty cards, and keys all within the same Wallet app.
The purpose of a digital wallet is to provide a single, convenient app for accessing all your cards. This allows you to quickly summon it to easily access your payment cards, loyalty cards, door access cards, digital keys, and IDs.
How many physical wallets do you carry around?
Do you go to a coffee shop and think, “Oh, I need to grab my black leather wallet out of my left pocket to grab my loyalty card. Then I’ll need to grab my green fabric wallet out of my right pocket to grab my payment card. Oh, and I just remembered I didn’t transfer money out of my savings account, so I’ll need to grab that card out of my red wallet in my backpack.”
That’s exactly the issue with digital wallet fragmentation. If I set PayPal to be the default NFC wallet, I need to go out of my way to unlock my phone, scroll through my apps, and open the appropriate wallet to access the next card. Even worse, if I have to do that to access my gym door access card or workplace access card, they won’t automatically summon.
This is terrible.
Apple needs to open its digital wallet framework to allow it to store different payment frameworks and networks.
A developer should be able to flag a digital asset to be accessible and displayed in the Apple Wallet app.
On top of this, the Apple Wallet app itself should be able to be entirely placed with a different digital wallet application, to which you can choose to add cards.
This is a cluster**** as no one has any vision on what the purpose of a digital wallet is meant to provide. The end user experience is a mess.
EDIT:
The shame really comes down to Apple.
They could have opened up the Wallet to support payment cards not backed by ApplePay. This would involve opening up the NFC interface to the Wallet app, allowing developers to choose how they want to integrate with it.
This change wouldn’t compromise the security of the Apple Payment platform network because it wouldn’t modify it. Users can still identify payment cards stored in Apple Wallet as using Apple Pay or another method for privacy and security.
Instead, companies have complained about NFC payment access, leading to the solution of providing alternative wallet apps instead of integrating with the existing ones. This approach ultimately results in a poor user experience.
Why? Because Apple decided, if you want a Payment card, you must use OUR payment network. Do you want a loyally card? You must use our choice of Barcode/QR code standards. Do you want a Car key? Well your car manufacturer must use OUR tech... To which we get, you know.... a small license fee for..... Nice one Apple. Nice One...
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I am a happy PayPal user for payment on the web. I am not sure why I would use it for contactless payments as paying is just 2 clicks away
This is the problem isn’t it, a product becomes so successful it’s a victim of itself.
While I’d never use PayPal for payments if there was any other choice, this was one of the things that I missed coming from Android. On Android, I didn’t trust Google, especially with payments (they are not bound by the banking secrecy act - banks can’t use your payment information for marketing or sell it to third parties), so using my bank’s app was a much better solution.
I trust Apple more than Google, but I’d still rather transact directly using my bank account and not a third party.
One couldn’t use PayPal with Apple Pay? More accurately, it’s more choice and freedom for businesses.
I don't see why this is such a problem. You double-click on the iPhone wake/sleep button which brings up all of the Apple Pay-compatible cards at your disposal, including your preferred payment card first. It's even easier on the Apple Watch, which only requires double-pressing the side button. Use the Digital Crown to select the proper card raise your wrist to within proximity of the NFC reader, and you're golden. Phone stays in pocket or purse.
Apple launched Apple Pay with its "Secure Enclave" for extra consumer protection, which has so far made it the gold standard. You can hate it for being closed or whatever reasons, but it works quite well for users. If a vendor doesn't want to pay for the privilege of Apple Pay security, they should be required to provide an alternative that is similarly secure like TPM. Or if you want to take a chance, maybe not. Apple shouldn't have to include it.
Apple Wallet was available in in 2015. Yet, PayPal credit and debit cards only became available to be added to Apple Wallet in 2023! Even my crappy little credit union was available to be used for tap to pay earlier than that! I mean, yeah, wait until AFTER Apple’s eaten your lunch to make your cards available in Apple Wallet, that’s how to compete. I would like to have been a fly on the wall as someone in the company convinced them that they didn’t need to be in Apple Wallet even though every card in existence was moving to Apple Wallet. They could have beat the Apple Card to Apple Wallet as that wasn’t released until 2019!
When companies have THAT much of a head start and aren’t able to do anything with it, that’s because they can’t compete. They even let Cashapp beat them to Apple Wallet! What were they thinking? LOL
You’re not following? That’s not how it works. An entirely different wallet app is needed.
So if I wanted to use this new PayPal payment platform, I need to open their app to access the card. I can’t access it via Wallet.
If I chose to set PayPal as the default wallet platform to make it easier for payments, I can no longer easily summon anything inside my Apple Wallet.
Which defeats the purpose of a Digital wallet.
The only current way to get a payment card inside Apple Wallet, is if it supports Apple Pay.
That’s what should have changed. Instead of keeping Apple wallet locked down to only supporting ApplePay cards.
You didn't happen to use OpenDoc in the day did you? Did you meet Steve Jobs at a Q&A session?
Apple is a closed ecosystem. We all know this. Apple Wallet facilitates payment. It stores Credit Cards, Loyalty Cards, Membership Cards, Travel tickets and so on in a way it deems best. I wouldn't call it a mess because it doesn't do what you want and because it purposefully doesn't allow other companies to use it's IP (of which, it gets paid of course).
Apple Pay offers a direct service to the bank. Certainly in the UK, there is a piece of legislation called Section 75 which protects the card holder from companies going bust i.e. you pay for goods or services, company goes bust, Bank reimburses you. Paypal doesn't have this protection because it's an intermediary and doesn't deal directly with the bank - it has its own 'private' method of dealing with this sort of thing. Great when it works but you don't have the law on your side when it doesn't.
Finally, if you want open standards, Android is a major competitor well known for its open stance. The problem with open standards is that, like Windows, you need to keep support for older technologies and things don't get updated quickly enough due to the risk of breaking something. This is just Apple's way. You do have a choice.
No I get it. PayPal owns Venmo. Venmo supports Apple Pay. I have a Venmo card on my Apple Pay that I use on occasion. They can figure it out. Or not, I don't care.
This data is meaningless - what is the “market”?
There’s many desktop operating systems, including Linux, Apple DOS (Apple 2e), Commodore and DOS. Windows was definitely not 90% of all desktop operating systems.
In any case, this is being caught up with % specific numbers.
It’s a simple pub test, that if you are an app developer and your app is not on iOS or Play Store - then you are dead in the water.
Therefore, we need to anti-trust action on both stores.
PayPal by default wants to rob you using its outrageous conversion fees and it tries every single time, re-enforcing its intention by a scary message about bank side conversion fees (which are a lot less than the one they charge). I cannot really see how such thing can work out in an tap-to-pay arrangement.
paypal was a thing a decade ago.
… in your country. Not all markets are the same.
Venmo is not a thing in Germany. PayPal has a very high market share (including for personal transfers).
I think you've missed the entire point.
What happens if PayPal decides to end ApplePay support in preference for their own payment framework for more profit? As a result, this forces users to have to use the PayPal app every time they want to make a purchase.
Completely defeated the purpose of a unified wallet.
It's the same reason Apple HomeKit was created and the matter protocol. Single app to control multiple devices. There was a time where every single smart home device required its own app to control anything. - A mess.
That the intent for Wallet was a Digital wallet to replace a physical wallet.
I guess you're an example of my point. No vision or understanding on the end user experience.