Explain then. How does Apple Pay avoid fraud over EMV?
There is a specific point you are missing. In store purchases (i.e. purchases at Apple Retail or Trader Joes or the London Tube) are CARD PRESENT whereas purchases made using Apple Pay through an app (i.e. Airbnb or Instacart) are CARD NOT PRESENT.
As a side note - Apple can't mandate anything with merchants. The processors are the ones that actually enforce the process since it is their infrastructure. Apple Pay is just an authorization and identity platform. Because of Touch ID, the processors recognize Apple Pay as card present in physically present transactions. Additionally, Apple Pay specifically uses tokenization as a core aspect of the transaction. The tokenization was developed by the processors. They only announced tokenization is coming to Europe this year for both MasterCard (announced May 2015) and Visa (announced February 2015). Apple has no control over the rollout. That also is true for the US. The banks and the credit card issuers are responsible for that.
It's not in Apple's hands. The banks and credit card companies need to set up the infrastructure to handle tokenized transactions. Apple Pay is just authorization and identity. There is a scramble within the industry to get the infrastructure up and tuned for the October 2015 liability shift. When that happens, the weakest link in the transaction become liable. Terminal companies aren't able to produce machines fast enough.
I've tried it a few times, at Whole Foods and at my local supermarket. TBH I don't find it a big deal to take out my wallet and swipe my card, I find myself doing that out of force of habit even though I could use Apple Pay.
ksec wrote: »
The tech needs to be better, the terminal hardware needs to be better, support needs to be better.
I want 0.3 sec of payment, not 3 sec.
I want electronic receipt,
I think a lot of these will happen in time, but so far there dont seems to be any incentive for merchants to have NFC payment ready.
proline wrote: »
s. Had Apple Pay made it's debut in Canada, another country with iPhone usage share over 40% but that has contactless terminals in all retailers worth going to, Apple Pay would have taken off much faster and avoided this kind of bad press.
1983 wrote: »
I hope this is a service Apple will commit too and improve and not just dump after a couple of years because it's not a great success and they lose interest. All these low overall adoption rates of recent Apple services like this and HomeKit worries me. Apple has to commit and make these experiences seamless and bug-free. Otherwise nobody will use them anymore, the competition will catch up and Apple will drop them Google style.
Get ApplePay on all gas stations and I would bet money that it will take off like wildfire. At least at gas stations, it will give users the ability to try it out in a semi-private fashion without the worry of having a line of people behind you.I have yet to try it out simply because when I'm at a checkout, I need to get out fast and I have zero time to fiddle with trying to use it. Gas stations, a totally different story.
Your dedication to you work is, er... um... interesting. You must be getting hungry by now.
You might have a bit of a wait there mate. I can't see any reason why Australian banks should accommodate Apple in any way. They want a slice of the pie for bringing absolutely nothing to the table.
Same here I really want to use and have tried at Costa and Pret who brag about it at the checkout but zero success. I am obviously doing something very wrong as others here clearly are having a good experience.
Since you invited me to call you an idiot, I will do so: You IDIOT!!
The reason you need to touch the Apple ID button so the iPhone knows it is you using the device to approve taking money out of your account. The way you want to use it would allow anyone who got possession of your phone to spend your money. FYI, the Apple watch will allow you to pay without touching any ID button because you had to authorize the watch in the morning when you strapped it on your wrist.
And "no" you are not the only idiot who can't walk and chew gum while going through a checkout line. Fortunately most of them are at Walmart shitting themselves while they shop.
That's real nice of you, like scampercom I'm having the same problem, so I must be an idiot too. It's good to get encouragement not so great to get abuse. I'm sure we will both persevere and get a payment through.