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10 years later, Apple Pay is amazing — and about to change
(www.theverge.com)
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this post was submitted on 05 Sep 2024
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Opening up the chip is great, but there needs to be a standard way to consolidate them all into one app/interface. Much like how HomeKit brings everything into one place, the Wallet (or some updated API based variant) needs to remain the central place, so we don't end up getting littered with vendor specific apps for different payment systems.
Nope. We are in for companies like Walmart pushing their own wallet, their own app. Sadly.
They have been gearing up for this for a few years now. They bought the online bank One Financial and have been overhauling and building it into a big FinTech play.
Yep :(
The only reason Apple had gotten traction with it is because they focused all of their users’ purchase power in one unified place. Which became a powerful driver to drive for change. Samsung/Android/Google Pay/Wallet thing never gained traction despite having access to the chip is exactly what we’ll see if the chip just get opened up free for all. All the larger players will push for their own standard, demand for the coveted hardware invocation sequence, while no one else wants to adopt theirs, and ultimately get no where while littering our phone with useless apps.
¯\_(ツ)_/¯
You realise that in the UK and a lot of other countries people mainly pay by contactless and while you can do that with just your bank card, many link it to Google/Apple pay in their phone? The Amex UK app used to offer their own implementation as well for contactless payment, but they also supported Google pay/wallet so eventually decided to drop their Amex app implementation of contactless payments and just told people to use Google pay. Don't equate them not gaining traction in your country with that being the case in general, especially if you're from the US, where banking technology seems to be 15-20 years behind a lot of the time.
So... PayPal?
Seriously can Apple users not use their nfc payments from any app already? That's like decade old shit now.
If you didn’t read the article, Apple Pay is the ubiquitous one; Google floundered, flip and flopped but can’t get traction until Apple came around with it. Old or not, having a feature that no one cares about so you can’t use it anywhere makes it pretty useless.
Also, that’s exactly what I’m saying. I don’t want PayPal to launch one, then Walmart decide to push theirs, then local transit authority one, and all of them compete for the coveted hardware invocation. Instead, all of them should consolidate into one unified place via standard set of API + UI so none of them can make a mess. Guess that’s something Android users wouldn’t understand, judging from the piss poor IOT ecosystem and all ¯\_(ツ)_/¯
I'll be honest, I'm very confused about what you mean when you say that Google Wallet isn't a thing. I pay with my Android phone everywhere, so ubiquitously that I've frequently left the house with just my phone and keys.
Do you mean America, where contactless payment is far less frequently accepted, or the concept of clicking on a "Pay with Google Wallet" style prompt on a website?
I'm an American android user and I'm confused too. At least in my area, contactless is pretty ubiquitous now. (I accept adoption is slower, but it's getting there)
Sure Apple Pay seemed to come to a lot of terminals first, but NFC Google wallet or whatever it is the phone does automatically I've only seen fail at certain terminals. In that rare case, usually someone behind me with Apple Pay often also fails, so I'd be more likely to attribute it to a system glitch rather than lack of support.