I was pleasantly surprised to be able to use Apple Pay to reserve an AirBnB apartment in California 2 months ago. In fact I loved it, very handy when doing this all from the iPhone. I'm curious if that was rolled out across the whole AirBnB network domestically or if it was a narrower test market. Location was Santa Barbara specifically.
It was one of the apps that used Pay integrated into the app from launch or not long after
I sort of agree. Sometimes Apple is remarkably cheap. I love Apple Pay but them knowing that of last October's card processing deadline I would have thought they should have done a full court press and helped retailers get set up with terminals and back end processing.
Lol...Apples being "cheap" because they didn't want to foot the bill for merchants to get EMV complaint terminals?
I sort of agree. Sometimes Apple is remarkably cheap. I love Apple Pay but them knowing that of last October's card processing deadline I would have thought they should have done a full court press and helped retailers get set up with terminals and back end processing.
Lol...Apples being "cheap" because they didn't want to foot the bill for merchants to get EMV complaint terminals?
I actually agree it was sort of half baked. Apple did great in working with the banks on the back end, but the front end needed a major push as well. You can have all the security you want, but if no one knows how to used it, or even can use it, then it's all for naught.
I sort of agree. Sometimes Apple is remarkably cheap. I love Apple Pay but them knowing that of last October's card processing deadline I would have thought they should have done a full court press and helped retailers get set up with terminals and back end processing.
Lol...Apples being "cheap" because they didn't want to foot the bill for merchants to get EMV complaint terminals?
Exactly. Apple could have partnered with Verifone. With all the cash Apple spends I would have thought that investing in Apple Pay capable terminals would have been a good investment. It could have been structured as an incentive not a full funding. As it turned out many retailers upgraded to chip readers without NFC because it was a little cheaper. If Apple had paid the difference Apple Pay would have a much wider acceptance today. Sort of a missed opportunity because those retailers probably won't upgrade again for ten years. Just my opinion.
Apple is also mulling support for Mac users, though it is not clear if such capability will be available at launch.
This would be fairly easy to add. If a Mac shopper was at a checkout page, the cart contents get stored in the site's server database. If you for example login and create a cart on Amazon on a desktop/laptop and then login to Amazon on a phone, the cart will still be there so all a site needs to do is pass a single URL over to the phone to let it login, which can be done via Handoff:
A single link can pass a time-limited session id. Pay for e-commerce has a number of advantages:
- a site never stores your card details so they can never be stolen - you don't have to type in the card numbers every time if you don't want details stored - a site doesn't need to store any personal details about you - when your bank cards expire, you don't have to go round every e-commerce site you use and type them all in again, just add once to Pay - it benefits e-commerce companies because there's a higher trust level with Pay and it's fast so it leads to a higher conversion rate
Implementing it on an e-commerce site needs an API for each e-commerce platform but they aren't too complicated. Inline payments typically need the retailer to have PCI compliant servers with SSL and there's an API that sends a POST form to a secure URL with details like cart total, tax, name/address if needed, invoice number, buyer email for confirmation, notification URL for payment status, retailer id. Retailers that don't have secure servers either have to go offsite or use an iframe.
Apple has an advantage here in that they don't need to rely on the browser for secure transfer so a site can do inline payments without the security requirements. Safari would bundle the data up offline and pass it via the mobile device's internal secure transfer protocols without the redirects. The website can then ask the payment processor if the payment was validated and show a success or failure notification page.
In these transactions, Apple will be the payment gateway and is passing the transactions on to the payment processor. That removes them from liabilities over chargebacks. They will likely start with big retailers like themselves and other electronics retailers, big supermarkets and then expand down to smaller retailers.
Lol...Apples being "cheap" because they didn't want to foot the bill for merchants to get EMV complaint terminals?
Exactly. Apple could have partnered with Verifone. With all the cash Apple spends I would have thought that investing in Apple Pay capable terminals would have been a good investment. It could have been structured as an incentive not a full funding. As it turned out many retailers upgraded to chip readers without NFC because it was a little cheaper. If Apple had paid the difference Apple Pay would have a much wider acceptance today. Sort of a missed opportunity because those retailers probably won't upgrade again for ten years. Just my opinion.
Why would Apple help pay to have NFC payments systems set up when it would also help all other NFC payments to be used as well?
To be blunt, ApplePay has so far been a half-baked effort from Apple, with poor marketing backup. Just as CarPlay has been.
(And a hearty 'f** you' to the dislikers).
no idea what you're talking about. I just used it this morning at my local co-op...not half baked at all, works great. so many banks are card issuers on board.
if you're upset your local stores don't accept it, ask them why they haven't upgraded to NFC terminals yet.
To be blunt, ApplePay has so far been a half-baked effort from Apple, with poor marketing backup. Just as CarPlay has been.
(And a hearty 'f** you' to the dislikers).
no idea what you're talking about. I just used it this morning at my local co-op...not half baked at all, works great. so many banks are card issuers on board.
if you're upset your local stores don't accept it, ask them why they haven't upgraded to NFC terminals yet.
That's not what I am talking about. I use it at my local co-op too. And many other physical retail outlets. Works brilliantly.
I think that if you read the article, and you perhaps might get a slightly better idea on what this conversation is about.
Comments
https://resolve.digital/blog/posts/handoff-in-safari-how-to-transfer-browsing-state-in-spree-commerce/
A single link can pass a time-limited session id. Pay for e-commerce has a number of advantages:
- a site never stores your card details so they can never be stolen
- you don't have to type in the card numbers every time if you don't want details stored
- a site doesn't need to store any personal details about you
- when your bank cards expire, you don't have to go round every e-commerce site you use and type them all in again, just add once to Pay
- it benefits e-commerce companies because there's a higher trust level with Pay and it's fast so it leads to a higher conversion rate
Implementing it on an e-commerce site needs an API for each e-commerce platform but they aren't too complicated. Inline payments typically need the retailer to have PCI compliant servers with SSL and there's an API that sends a POST form to a secure URL with details like cart total, tax, name/address if needed, invoice number, buyer email for confirmation, notification URL for payment status, retailer id. Retailers that don't have secure servers either have to go offsite or use an iframe.
Apple has an advantage here in that they don't need to rely on the browser for secure transfer so a site can do inline payments without the security requirements. Safari would bundle the data up offline and pass it via the mobile device's internal secure transfer protocols without the redirects. The website can then ask the payment processor if the payment was validated and show a success or failure notification page.
In these transactions, Apple will be the payment gateway and is passing the transactions on to the payment processor. That removes them from liabilities over chargebacks. They will likely start with big retailers like themselves and other electronics retailers, big supermarkets and then expand down to smaller retailers.
if you're upset your local stores don't accept it, ask them why they haven't upgraded to NFC terminals yet.
I think that if you read the article, and you perhaps might get a slightly better idea on what this conversation is about.