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The near-field communication have a clear reason. Apple was only allowing access to their own banking app as a payment provider in shops. As I understand there

by erk__ 4y ago

The near-field communication have a clear reason. Apple was only allowing access to their own banking app as a payment provider in shops. As I understand there was not even a way to get access with any kind of forms or such if you had a competing plastic card firm. That is pretty much the only reason that clause is the legislation.

madeofpalk 4y ago
> there was not even a way to get access with any kind of forms or such if you had a competing plastic card firm What does this mean? Apple is not a payment processor. The banks sign deals with Apple put make their cards available through Apple Pay, but the payment still goes through the payment networks (visa, mastercard, amex) and the banks.
- martin_a 4y ago
  Don't you think that's actually a problem? Apple can dictacte all the conditions and if they don't like anything, $PaymentNetwork will just not work with Apple devices at all with no option to change that by installing another app?
- enragedcacti 4y ago
  They aren't a payment processor, they are a payment provider. You are correct that most banks have deals with Apple and thus cards are available, but Paypal, Venmo, Cashapp, Google Pay, etc. can't be used as a default payment provider for purchases on the iPhone. Apple reportedly makes about 0.15% of each purchase through Apple Pay[1]. [1] http://www.macrumors.com/2014/09/12/more-apple-pay-details/ http://www.macrumors.com/2014/09/12/more-apple-pay-details/
  - jahewson 4y ago
    Of course they can’t, because they’re not credit/debit cards. What’s the PoS going to do with a PayPal NFC? Nothing. It’s like complaining they don’t support bitcoin - neither do the stores!
    - vorpalhex 4y ago
      This is incorrect. Paypal DOES issue virtual cards that can do NFC through your phone, the same as Google Pay.
    - cycomanic 4y ago
      There are lots of payment services that are not credit/debit cards and are widely used (swish in Sweden is another one). All these cannot use NFC on IOS.
- erk__ 4y ago
  A example from Denmark would be MobilePay [0] which is the most use payment solution for mobiles in Denmark. They would like to make it possible to use NFC to transfer information about a transaction in shops, but cannot do that on Apple Phones. Instead they rely on QR codes and short number codes for payment. They cannot in any way get NFC access on Apple devices as it is now. Another and probably more relevant concrete example of the above is the Danish Dankort [1] which is a national equivalent of visa/mastercard/amex. Again they cannot use NFC for their app. Some banks have signed contracts that allows their users to use Dankort with Apple pay, but it is not all of them yet. I don't know if there is any fee or similar to Apple pay tbh, but if there is then NFC acces should not be monopolized by Apple. [0]: https://en.wikipedia.org/wiki/MobilePay https://en.wikipedia.org/wiki/MobilePay [1]: https://en.wikipedia.org/wiki/Dankort https://en.wikipedia.org/wiki/Dankort

by erk__ 4y ago

madeofpalk 4y ago

> there was not even a way to get access with any kind of forms or such if you had a competing plastic card firm What does this mean? Apple is not a payment processor. The banks sign deals with Apple put make their cards available through Apple Pay, but the payment still goes through the payment networks (visa, mastercard, amex) and the banks.

martin_a 4y ago
Don't you think that's actually a problem? Apple can dictacte all the conditions and if they don't like anything, $PaymentNetwork will just not work with Apple devices at all with no option to change that by installing another app?
enragedcacti 4y ago
They aren't a payment processor, they are a payment provider. You are correct that most banks have deals with Apple and thus cards are available, but Paypal, Venmo, Cashapp, Google Pay, etc. can't be used as a default payment provider for purchases on the iPhone. Apple reportedly makes about 0.15% of each purchase through Apple Pay[1]. [1] http://www.macrumors.com/2014/09/12/more-apple-pay-details/ http://www.macrumors.com/2014/09/12/more-apple-pay-details/
- jahewson 4y ago
  Of course they can’t, because they’re not credit/debit cards. What’s the PoS going to do with a PayPal NFC? Nothing. It’s like complaining they don’t support bitcoin - neither do the stores!
  - vorpalhex 4y ago
    This is incorrect. Paypal DOES issue virtual cards that can do NFC through your phone, the same as Google Pay.
  - cycomanic 4y ago
    There are lots of payment services that are not credit/debit cards and are widely used (swish in Sweden is another one). All these cannot use NFC on IOS.
erk__ 4y ago
A example from Denmark would be MobilePay [0] which is the most use payment solution for mobiles in Denmark. They would like to make it possible to use NFC to transfer information about a transaction in shops, but cannot do that on Apple Phones. Instead they rely on QR codes and short number codes for payment. They cannot in any way get NFC access on Apple devices as it is now. Another and probably more relevant concrete example of the above is the Danish Dankort [1] which is a national equivalent of visa/mastercard/amex. Again they cannot use NFC for their app. Some banks have signed contracts that allows their users to use Dankort with Apple pay, but it is not all of them yet. I don't know if there is any fee or similar to Apple pay tbh, but if there is then NFC acces should not be monopolized by Apple. [0]: https://en.wikipedia.org/wiki/MobilePay https://en.wikipedia.org/wiki/MobilePay [1]: https://en.wikipedia.org/wiki/Dankort https://en.wikipedia.org/wiki/Dankort