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Interesting experiment, although it seems that most of Asia has settled on NFC (card emulation or token), QR, and 2D barcodes for offline (at least to customers

Interesting experiment, although it seems that most of Asia has settled on NFC (card emulation or token), QR, and 2D barcodes for offline (at least to customers) payments, which is more practical to deploy using existing infrastructure. I know Tez (aka Google Pay in India which was pushed in other countries) has implemented it, but Indians does Google Pay still have ultrasonic transfers?

anunay03 4y ago
Google Pay in India no longer has any of those features. Infact it has been completely reworked to support UPI payments [1]. And it has completely transformed how payments happen. paymets happen directly from bank account to bank account regardlessof what app you're using (Samsung Pay, PhonePe, GPay, your bank's app). You can use QR codes or simple username@bank to make payments. I am not aware of any payment systems that support the use of NFC, (NFC is not that commonplace for anything except cards, and I have had trouble setting up cards in google pay). One of the biggest benefits of QR based payments have been is it does not require any special hardware. Just a mobile and Internet (Which is very common and accessible here). And it has little to no transaction fees. So it has been quickly adopted by literally everyone. [1] https://en.m.wikipedia.org/wiki/Unified_Payments_Interface https://en.m.wikipedia.org/wiki/Unified_Payments_Interface
- zinekeller 4y ago
  > I am not aware of any payment systems that support the use of NFC I basically lumped the whole of Asia into a melting pot, whoops. While you're correct that India's UPI doesn't have an NFC mode, other countries do (NETS of Singapore and various systems in Japan for example).
  - anunay03 4y ago
    Oh yea, I think I got the idea. The initial direction with apps like Tez too was trying to use NFC for payment. That just didn't catch on, which I'd probably pin on the fact that majority of population here uses low-mid range Smartphones which often skip over NFC support.
- cuteboy19 4y ago
  Tez did for a while support UPI and ultrasonic. It just used sound to transfer the UPI ID
gkop 4y ago
Pedantic, but I believe QR is a type of 2D barcode, but your comment implies the contrary. Am I wrong?
- zinekeller 4y ago
  Ugh, I definitely meant 1D barcodes of course, but you get the point.

anunay03 4y ago

Google Pay in India no longer has any of those features. Infact it has been completely reworked to support UPI payments [1]. And it has completely transformed how payments happen. paymets happen directly from bank account to bank account regardlessof what app you're using (Samsung Pay, PhonePe, GPay, your bank's app). You can use QR codes or simple username@bank to make payments. I am not aware of any payment systems that support the use of NFC, (NFC is not that commonplace for anything except cards, and I have had trouble setting up cards in google pay). One of the biggest benefits of QR based payments have been is it does not require any special hardware. Just a mobile and Internet (Which is very common and accessible here). And it has little to no transaction fees. So it has been quickly adopted by literally everyone. [1] https://en.m.wikipedia.org/wiki/Unified_Payments_Interface https://en.m.wikipedia.org/wiki/Unified_Payments_Interface

zinekeller 4y ago
> I am not aware of any payment systems that support the use of NFC I basically lumped the whole of Asia into a melting pot, whoops. While you're correct that India's UPI doesn't have an NFC mode, other countries do (NETS of Singapore and various systems in Japan for example).
- anunay03 4y ago
  Oh yea, I think I got the idea. The initial direction with apps like Tez too was trying to use NFC for payment. That just didn't catch on, which I'd probably pin on the fact that majority of population here uses low-mid range Smartphones which often skip over NFC support.
cuteboy19 4y ago
Tez did for a while support UPI and ultrasonic. It just used sound to transfer the UPI ID

gkop 4y ago

Pedantic, but I believe QR is a type of 2D barcode, but your comment implies the contrary. Am I wrong?

zinekeller 4y ago
Ugh, I definitely meant 1D barcodes of course, but you get the point.