Apple Pay

So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot.<p>If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.

Japan has a flourishing NFC payment ecosystem, and it&#x27;s strange it&#x27;s completely left out on this announcement.<p>Would they have given early access and bundled the Suica app for instance, they could have boasted millions of users from the get go. I wonder if the upcoming API is even compatible with the Felica standard, but that would be a weird thing to do.

Anyone else seeing a &#x27;Phishing attack ahead&#x27;?<p>Chrome is complaining that Google Safe browsing detected an ongoing phishing attack.

I really hope this doesn&#x27;t end up fragmenting the NFC payments space. Only Apple Pay is accepted in one place, and only Google Wallet is accepted in another. Both of these technologies work with contactless card readers, let&#x27;s just stick with that.

One implication of Apple Pay is it erodes advantages of leaders like Uber. Minimizing payment and account friction means trying a new service becomes much easier.

I&#x27;ve been &quot;tapping to pay&quot; with my credit cards here in Canada for the better part of the last 2 years.<p>Does this use the same technology?

I think I&#x27;m missing something on this, but how is it possible Apple isn&#x27;t storing credit card information on the device or their servers? How are they connecting the payments you make with Apple pay back to the credit card you choose to use.

This seems similar to Google Wallet, which has been around for a few years. How does Apple plan to make this a bigger success?

What is Apple&#x27;s Cut going to be to use Apple Pay ?<p>1. Say, I have an app that will Apple Pay. So in addition to 30% cut made by Apple for my app will using Apple Pay cost more ?<p>2. I understand this will require NFC terminal to recognize the payment through Apple Pay but that&#x27;s in physical store. If I already have some payment method setup for my app why should I choose to use Apple Pay ? or I guess my question is Apple already stores credit cards. While purchasing apps you can already do with one click. How Apple Pay is different ?

From all of today&#x27;s announcements, this may be what really moves the needles (!)

What I want to know, having a contactless card, is what do you do when the machine isn&#x27;t working. You can&#x27;t swipe it or use the chip in this case.<p>Then you&#x27;re screwed.<p>If you have to carry the card anyway to get around this, what&#x27;s the point other than showing everyone you have an iPhone, which at least in London is a quick way to get cracked over the head.

No-contact payment is exactly the kind of secure piece of engineering we needed. Especially after the iCloud debacle. &#x2F;s

Can someone local find out where exactly the Antenna is? Nokia devices have been great at this with the touchpoint at the edges, which feels natural, while most Android devices have an awkward spot somewhere in the lower middle. Is it on the Apple logo? This may still make it feel awkward to use.

ApplePay is only on iPhone 6. This means that the availability rate for this technology will get into (tens of) millions in a couple of years, based on the update cycle with the phone carriers. Realistically we&#x27;re talking 2-4 yrs. Plenty of time for providers to get acquainted with the technology and to integrate it into their retail systems. For developers it would be interesting to see how the API looks like and if it will be available at all in any shape or form (which I doubt actually).

Couldn&#x27;t help smiling at this marketing messages from Apple about Apple Pay - “We have security integrated throughout both hardware and software in a way only Apple can.&quot; “Apple Pay is easy, secure, and private.”<p>I would have loved if they would have gone beyond the marketing messages, and explained in some more detail about how they have made this secure, what improvements they have made (to TouchID etc) over previous versions and how a user can use it without worry.

I bet Apple would&#x27;ve named it iPay if it weren&#x27;t for the fact that iPay has already been taken by a ton of other payment-processing-related things.

Apple pay is an interesting and natural move from Apple. They probably have the largest number of credit cards info on earth.<p>I think this business can eventually become larger than the iTunes if they execute it well.<p>I couldnt find any information on whether Apple pay users can use this for online purchases or not. If they do this may be their next move will be to naturally be the Paypal competitor.

Slightly Off Topic, Does anyone know if there are any plans to speed up the NFC process? The current one being used by MasterCard and Visa are all very slow. It takes like 3 seconds, compared to Sony&#x27;s Felica which happens under 0.3 seconds.

How are they deciding who can accept Apple Pay in stores? For instance, how do mom and pop shops who use Square readers get on board with Apple Pay?<p>Is it safe to assume that in the future, an iPhone itself can be a device that ACCEPTS payments too?

Does this work on the web or just in-app? What is Apple&#x27;s Commission?

Would you like to pay with &quot;Apple Pay&quot;, &quot;Google Wallet&quot;, &quot;Windows Payment&quot;, &quot;BlackBerry Wallet&quot; or &quot;Web Payment&quot;? OK, NFC or BLE?

Does anyone know why exactly payments in apps also require the iPhone 6? I thought that iPhone 5S also had a secure element for storing data (Touch ID).

So one should use Apple Pay when paying in apps, but the credit card stored in iCloud Keychain when paying on the web? I find it a bit confusing.

Would you like to pay with &quot;Apple Pay&quot;, &quot;Google Wallet&quot;, &quot;Windows Payment&quot;, &quot;BlackBerry Wallet&quot; or &quot;Web Payment&quot;? OK, NFC or BLE?

Shared my thoughts in another HN thread: <a href="https://news.ycombinator.com/item?id=8294599" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=8294599</a>

Will it work in India ?

Shame on us if we let one company control this.

From a company that keeps your pictures secure comes secure credit card wallet, you couldn&#x27;t make it up :rollseyes:

Apple Pay?<p>Pay Apple.

I have to admit, I&#x27;m an apple hater but... this actually changes everything. Maybe time to buy the new iphone.