4 ms·
> "But what is Apple and Google's special proprietary sauce then? Why are these apps so hard/impossible to replace by open-source alternatives?" Google Pay and
by Reason077 3y ago
> "But what is Apple and Google's special proprietary sauce then? Why are these apps so hard/impossible to replace by open-source alternatives?"
Google Pay and Apple Pay aren't unique. There's Garmin Pay and Samsung Pay, too, for example.
The EMV standards are maintained by EMVCo (www.emvco.com), and the specification documents seem to be out there and googleable. I'm sure anyone sufficiently qualified in NFC tech could have a go at implementing them on their own device.
The only tricky part is that you have to interface with each card issuer (bank) to generate DPANs?