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What if Stripe could be the default in-app payment provider for every app on your phone, replacing iTunes, or could compete with Apple Pay on websites in Safari

What if Stripe could be the default in-app payment provider for every app on your phone, replacing iTunes, or could compete with Apple Pay on websites in Safari? My immediate response to this is that if this is possible, then how do we stop MaliciousPaymentSkimmerApp from social engineering people into becoming the default in-app payment provider for every app on their phone? I mean, sure, I would like the option to replace the default camera app too, but now I'm asking myself how we make sure MaliciousCloneOfCoolCameraApp isn't sending every photo it takes to a remote server that scans for anything its owners think might be able to make it money? (There is some prior art for this in iOS' custom keyboard world, I suppose. I was excited for those but that quickly faded when every damn custom keyboard demanded Internet access, which is not a thing I want my keyboard to have, whatever their excuse may have been.)

Dah00n 6y ago
It's a question of when as the EU is already going after Apple for forcing the use of its own payment system. I can't see how Apple can possibly win.
- enos_feedler 6y ago
  Payment system for a small slice of purchases: digital goods. Saying they force a payment system without qualifying it makes it sound much more restrictive.
Vespasian 6y ago
For payment apps you could tie this into the existing regulatory framework for money transfer services and banks.
- iscrewyou 6y ago
  Zelle, a monopolized bank service, where banks can monitor it? Or ACH so my app will be delivered in 3 business days? A lot of the options for payment and what’s good for the consumer just seem so much worse than what apple is offering now. There’s a lot more people than developers. And to a user, it doesn’t matter who takes what money. As long the transaction is frictionless and Apple’s advertisements about privacy sell, there won’t be much push from the consumer side.
  - Vespasian 6y ago
    I'm not in the US so I don't have personal experiences with these services. It would be possible to require a bank/money transmission license in order to integrate with the iOS NFC payment scheme. That would prevent scammers / untrusty startups to hijack the instant payment markets. If reasonable Apple could require some technical capabilities (time to transfer) as long as they are fair and reachable for up-to-date participants. On Android my local German bank offers a NFC payment system which works just as well as Google Pay and Apple Pay as far as I can tell.
enos_feedler 6y ago
How would this even work? Every app has custom code to deal with the various payment providers. Including Stripe

Dah00n 6y ago

It's a question of when as the EU is already going after Apple for forcing the use of its own payment system. I can't see how Apple can possibly win.

enos_feedler 6y ago
Payment system for a small slice of purchases: digital goods. Saying they force a payment system without qualifying it makes it sound much more restrictive.

Vespasian 6y ago

For payment apps you could tie this into the existing regulatory framework for money transfer services and banks.

iscrewyou 6y ago
Zelle, a monopolized bank service, where banks can monitor it? Or ACH so my app will be delivered in 3 business days? A lot of the options for payment and what’s good for the consumer just seem so much worse than what apple is offering now. There’s a lot more people than developers. And to a user, it doesn’t matter who takes what money. As long the transaction is frictionless and Apple’s advertisements about privacy sell, there won’t be much push from the consumer side.
- Vespasian 6y ago
  I'm not in the US so I don't have personal experiences with these services. It would be possible to require a bank/money transmission license in order to integrate with the iOS NFC payment scheme. That would prevent scammers / untrusty startups to hijack the instant payment markets. If reasonable Apple could require some technical capabilities (time to transfer) as long as they are fair and reachable for up-to-date participants. On Android my local German bank offers a NFC payment system which works just as well as Google Pay and Apple Pay as far as I can tell.

enos_feedler 6y ago

How would this even work? Every app has custom code to deal with the various payment providers. Including Stripe