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Pretty much I figure the percentage has to change at least in categories where Apple has its own products. As for the NFC chips, I am facing a quandary here. I

Pretty much I figure the percentage has to change at least in categories where Apple has its own products. As for the NFC chips, I am facing a quandary here. I am leery of apps getting this access unless all such usage is challenged and very obvious who is attempting to use them

izacus 6y ago
> As for the NFC chips, I am facing a quandary here. I am leery of apps getting this access unless all such usage is challenged and very obvious who is attempting to use them On Android the NFC can be either used by current foreground app (so you're looking at it), or by the default payment provider (which you set globally and more importantly - you have to set it yourself). Seems like a good tradeoff.
- nottorp 6y ago
  What I'm wary of is having to install a shit app from each bank that I have a card from. I'm pretty sure that will be the outcome if they're forced to allow alternative payment apps. And please don't tell me they won't be shit, I know how their web sites work :) On the other hand, it's annoying from a "hey that's an evil monopoly" point of view that Apple makes money on every payment I make. Cannot win i guess.
  - 51Cards 6y ago
    How much would hit the fan if Microsoft changed Windows, even just on Surface hardware, to ensure that any time you bought something from Amazon it had to go through their payment gateway and they got a percentage?
    - scarface74 6y ago
      Well. That doesn’t happen with Apple now. Amazon can and does sell physical goods through its app and pays Apple nothing.
      - lexs 6y ago
        Yes but I can't buy Prime Videos through the app, I have to do that from my android phone or desktop
        scarface74 6y ago
        Yes you can. https://www.theverge.com/2020/4/1/21203294/amazon-prime-video-ios-in-app-purchases-iphone-ipad-apple-tv-change https://www.theverge.com/2020/4/1/21203294/amazon-prime-vide...
    - nottorp 6y ago
      Different thing though, since you can pay on Amazon's web site by entering your credit card details even via an Apple device. Also, I can pay contactless directly with my credit card instead of using Apple Pay.
  - sigwinch28 6y ago
    Consider also that MasterCard and Visa make money on every payment you make with their cards. The only real "free" option is cash, but that requires additional labour on both sides.
    - nottorp 6y ago
      Except with credit cards you get some protection. As a consumer, you can refuse any purchase before money gets taken out of your account for it. The merchant gets to pay for that, and indirectly it means the people paying cash are subsidizing credit card users, since the prices are identical. Again, cannot win.
      - sigwinch28 6y ago
        Not all Visa and MasterCard cards are credit cards, for example Visa Debit and MasterCard debit. Furthermore, credit cards linked via Apple Pay (e.g. a Mastercard credit card) are afforded the same legal protections in the UK as using the physical card itself in person or online.
  - Hamuko 6y ago
    >What I'm wary of is having to install a shit app from each bank that I have a card from. I'm pretty sure that will be the outcome if they're forced to allow alternative payment apps. I don't really know how to feel about it. My bank has yet to implement Apple Pay support. However, they've had a payment application on Android for a while, since they can access the NFC directly. So while Apple Pay might be really nice to use, it might also mean that you don't get anything if your bank doesn't want to play with Apple. I'm now using Curve (curve.com) to circumvent my bank in order to use Apple Pay. Maybe even if the NFC access was opened up, applications like Curve would still provide an option to use Apple Pay for the people who want to use that.
  - izacus 6y ago
    My bank supports both their "shit app" and Apple/Google/Samsung Pay for payment on my Android phone. This allows me to choose the best option, which IMO, is the best result you can hope for. On Apple device, you have no such option or competition.
votepaunchy 6y ago
A likely outcome is that Apple negotiates rates with each developer and simply drops anyone too small to care. So the only options would be free or big, which covers almost all apps and users.

izacus 6y ago

> As for the NFC chips, I am facing a quandary here. I am leery of apps getting this access unless all such usage is challenged and very obvious who is attempting to use them On Android the NFC can be either used by current foreground app (so you're looking at it), or by the default payment provider (which you set globally and more importantly - you have to set it yourself). Seems like a good tradeoff.

nottorp 6y ago
What I'm wary of is having to install a shit app from each bank that I have a card from. I'm pretty sure that will be the outcome if they're forced to allow alternative payment apps. And please don't tell me they won't be shit, I know how their web sites work :) On the other hand, it's annoying from a "hey that's an evil monopoly" point of view that Apple makes money on every payment I make. Cannot win i guess.
- 51Cards 6y ago
  How much would hit the fan if Microsoft changed Windows, even just on Surface hardware, to ensure that any time you bought something from Amazon it had to go through their payment gateway and they got a percentage?
  - scarface74 6y ago
    Well. That doesn’t happen with Apple now. Amazon can and does sell physical goods through its app and pays Apple nothing.
    - lexs 6y ago
      Yes but I can't buy Prime Videos through the app, I have to do that from my android phone or desktop
      - scarface74 6y ago
        Yes you can. https://www.theverge.com/2020/4/1/21203294/amazon-prime-video-ios-in-app-purchases-iphone-ipad-apple-tv-change https://www.theverge.com/2020/4/1/21203294/amazon-prime-vide...
  - nottorp 6y ago
    Different thing though, since you can pay on Amazon's web site by entering your credit card details even via an Apple device. Also, I can pay contactless directly with my credit card instead of using Apple Pay.
- sigwinch28 6y ago
  Consider also that MasterCard and Visa make money on every payment you make with their cards. The only real "free" option is cash, but that requires additional labour on both sides.
  - nottorp 6y ago
    Except with credit cards you get some protection. As a consumer, you can refuse any purchase before money gets taken out of your account for it. The merchant gets to pay for that, and indirectly it means the people paying cash are subsidizing credit card users, since the prices are identical. Again, cannot win.
    - sigwinch28 6y ago
      Not all Visa and MasterCard cards are credit cards, for example Visa Debit and MasterCard debit. Furthermore, credit cards linked via Apple Pay (e.g. a Mastercard credit card) are afforded the same legal protections in the UK as using the physical card itself in person or online.
- Hamuko 6y ago
  >What I'm wary of is having to install a shit app from each bank that I have a card from. I'm pretty sure that will be the outcome if they're forced to allow alternative payment apps. I don't really know how to feel about it. My bank has yet to implement Apple Pay support. However, they've had a payment application on Android for a while, since they can access the NFC directly. So while Apple Pay might be really nice to use, it might also mean that you don't get anything if your bank doesn't want to play with Apple. I'm now using Curve (curve.com) to circumvent my bank in order to use Apple Pay. Maybe even if the NFC access was opened up, applications like Curve would still provide an option to use Apple Pay for the people who want to use that.
- izacus 6y ago
  My bank supports both their "shit app" and Apple/Google/Samsung Pay for payment on my Android phone. This allows me to choose the best option, which IMO, is the best result you can hope for. On Apple device, you have no such option or competition.

votepaunchy 6y ago

A likely outcome is that Apple negotiates rates with each developer and simply drops anyone too small to care. So the only options would be free or big, which covers almost all apps and users.