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Stripe and Apple Pay
- eyevinx 12y agoNo API for web?
- final 12y agoWeb is the enemy of Apple. iOs devices need unique features to sell, not Web stuff that is easy to duplicate by the competition.
- MCRed 12y agoApple pay is a combination of hardware for authentication and security, with a unified payment interface on the backend. It makes sense as a mobile payment solution. Using your device to authenticate web purchases is a more complicated and difficult (and potentially insecure) prospect, and thus, will take longer before it's viable. Apple's normal mode of operation is to start with the smallest essential thing that adds value, and then extend it over time. In a way, what we saw today is Apple's idea of an MVP. If the web isn't an area where Apple can add value, they won't do it. Or put another way, if other people do a better job on the web (e.g.: stripe) then Apple's not going to try and compete with them.
- nlh 12y agoI presume from what I've read/seen, ApplePay will be app-only (i.e. iOS) for launch. But I've got to imagine they (as in, Apple and Stripe) will integrate with web-based payment forms as step 2. Or, should I say, "I hope"...
- MBCook 12y agoI doubt it. For one thing they'd lose the ability to ensure you're who you say you are with TouchID, etc.
- yahelc 12y agoPresumably, if they wanted to do a web version, they could introduce Safari-only JavaScript APIs for verifying TouchID.
- zwily 12y agoThey could use Continuity-type stuff to have you verify the payment from your phone, that's happening in your desktop browser.
- unfunco 12y agoWhich sort of makes sense with today's announcements, they said they had the ability to now detect between taps and presses with the Apple Watch, that technology seems like it could be easily integrated under a trackpad as-well...
- comex 12y agoApple trackpads can already distinguish between a finger touching them and being physically depressed, though I don't know what it has to do with payments.
- Alphasite_ 12y agoThats a very different mechanism.
- comex 12y agoOf course, but it accomplishes something similar. Also, trackpads already have the two finger tap for additional actions (i.e. right click menu), and I still don't know what this has to do with the topic. :)
- jasonbarone 12y agoThat's what I thought, but Apple Watch supports Apple Pay and that doesn't support Touch ID.
- jMyles 12y agoSomething something Bitcoin something decentralized fiat currency blah blah blah.
- jMyles 12y agoI actually like Bitcoin a fair bit; I just thought it was a good first comment. :-)
- bhartzer 12y agoIt's great to see Stripe endorsing Apple Pay. But from a dev standpoint, how difficult is it to integrate?
- Killswitch 12y agoIf it's anything like how Stripe does stuff, easy as 1, 2, 3.
- rebyn 12y agoLooking at the documentation I think it's fairly easy.
- nmjohn 12y agoStripe? A breeze. At least in comparison to other payment providers (I've worked with stripe, auth.net, and paypal.)
- nextstep 12y agoI'm not sure I understand Stripe's value proposition here. What is the benefit of using Stripe's library over using ApplePay (PassKit) directly? (Honest question)
- rewind 12y agoIf you're using Stripe as your payment processor and using Apple Pay through Stripe (just like choosing a different credit card), then you're still only using one payment processor. All your transfers, transaction data, accounting, etc. is just done through Stripe. You don't care that the customer actually used Apple Pay.
- zaidf 12y agoApple does not provide the merchant account. Apple Pay serves as the middle party between the merchant account provider(Stripe) and the user with Pay's role being to maintain cards on file and relay it securely to the merchant account providers.
- fgblanch 12y agoI guess the Stripe's value proposition for developers is that they don't have to maintain or support several payment platforms. Just one, Stripe and there they integrate all of them ( Credit Cards, Apple Pay, etc.)
- pc 12y agoYou can't use Apple Pay directly: you have to use it with a supported payment platform. (List is at https://developer.apple.com/apple-pay/. https://developer.apple.com/apple-pay/.)
- diziet 12y agoThree of the payment platforms either don't load or show a 'Coming Soon' page. Ouch.
- aapl_bad_stream 12y agoIf only Apple Pay, had, paid for some good engineers, then their keynote stream may have worked!
- eculic17 12y agothey're so on it!
- jefftchan 12y agoCan we now use Stripe + Apple Pay to circumvent 30% revenue cut?
- serve_yay 12y agoThe app store is still the app store.
- eddieroger 12y agoThey're for completely different things. The 30% is for in-app only, but there is administrative costs with providing those resources (plus, Apple is a for-profit). This is for physical good.
- thesimon 12y agoApple only takes 30% for digital goods, I doubt they'll remove that limitation. For non-digital goods, Stripe is offering a library for iOS for a few years now which isn't affected by the 30% cut.
- pc 12y agoYour Stripe pricing is the same if you use Apple Pay -- there are no additional fees. (And no 30%.) (We should update the page to say this...)
- ajju 12y agoIt looks like Applepay generates one-time cards by default resulting in a single-use Stripe token. Does that mean the use case this supports is only one-time payments versus "sign up with Apple pay+Stripe"? Any advice on how best to integrate Apple pay for recurring pay scenarios like Sumon? Edit: Some more context on how this all works from the other ApplePay thread on HN: http://clover-developers.blogspot.com/2014/09/apple-pay.html http://clover-developers.blogspot.com/2014/09/apple-pay.html
- pc 12y agoThis supports recurring payments too -- you can associate an Apple Pay-originated Stripe token with a Stripe customer object as normal, and then create charges for that that customer. (This means that the Lyft use-case also works largely unchanged.)
- Letio 12y agoPatrick, Curious, was the majority of the work required to support ApplePay related to the format of the PKPayment? I assume in other cases, you just pass the raw PAN + pin, etc, where as now you need to pass the encrypted single use token + cryptographic data + more. Was more work required to support ApplePay? And if so, did Visa/MC/Amex and the processing networks recently start supporting this payload, or has it been in place for some time? Finally, what does Apple use the Merchant ID for?
- tonyb 12y agoI think this all that extra stuff is a standard 3D Secure transaction (Verified by Visa/Mastercard SecureCard). Apple has replaced the complicated multi-step authentication process with TouchID
- lifeisstillgood 12y agoObvious question - when can I store my stellar or bitcoin in my apple pay "wallet"? Or have I misunderstood?
- freehunter 12y agoFrom what I've seen, you need to have a card with an existing payment provider before you can use it on Apple Pay. If you have a bitcoin debit card or a way to integrate a bitcoin wallet into a payment service, you can use it. If not, Apple Pay isn't what you're looking for. It's not a wallet in the same way a bitcoin wallet is.
- lifeisstillgood 12y agoOk downvotes, that wasn't sarcasm, it was genuinely a recognition that Stripe's view on Stellar and the cryptocurrency ecosystem is coming closer - with Apple offering what is to all intents and purposes a iPhone controlled wallet with fingerprint security and locked down OS there is not a lot of steps to go to reach a means of storing electronic currency which has a security and convenience that is hard to imagine beating
- sanswork 12y agoStripe is receiving payments from Applepay not making them to Applepay so the other payment methods they accept have no impact on Applepay.
- thegreatpeter 12y agoWhat scares me is that Stripe knew my email address and prefilled the box.
- biafra 12y agoIn which countries will Apple Pay launch in October?
- MCRed 12y agoThe USA. The other countries Apple has not been specific about. I believe this will follow the pattern that Apple normally follows for complex regulatory-involved industries (e.g.: the cellular carriers to support the iPhone). They're probably already working on BRIC and the G8 countries, will focus on them initially and then start rolling it out to wider and wider countries (with deeper and deeper integration in those initial countries.) I think this is going to be a multi-year process, assuming it's a success, and it will be something that future keynotes include an update on (like "I'm pleased to announce that Apple Pay is now in 80,000 retailers in 8 countries")
- axman6 12y agoI'd be surprised if Australia wasn't one of the first countries to get it; we've for a long time had very technologically advanced banks that are often years ahead of the US. Last I heard cheques were still used by most people to transfer money in the states, is that still the case? I've grown so used to being able to instantly transfer money to anyone for free from my phone that I can't imagine how tedious having to use cheques would be.
- jawngee 12y agoNo, nobody really uses checks anymore. Most payroll is direct deposit, person to person is Paypal, Venmo or your bank's version of them. Edit: bills and rent are possibly the last hold out, but usually you set up bill payments through your bank.
- stephenr 12y agoI remember reading tweets from an Australian that moved to the US (to work for Apple as it happens) commenting on the banking system maybe 2 or 3 years ago: Basically his experience was: - Cheques were still reasonably common, to the point that some bank(s) had mobile apps to scan a cheque to deposit it! - "Bill payments" through a bank usually involved bank staff literally preparing a cheque on your behalf, and mailing it to the biller As for your comment about "person to person is Paypal" - ok and what if I actually care about what happens to the money, rather than it randomly being held by some non-bank? Do US banks really not have a standard way to transfer money to another individual electronically? In Australia all that's needed are BSB number (Bank-State-Branch, a unique identifier for each individual branch through the country) and Account number. Transfers could take up to a day or two, the last time I tracked it In Thailand, there is a similar system where money can be transferred directly to an account belonging to someone else (or your own account at another bank). So far it has always been instant transfer. Both of these systems are available via internet banking, mobile apps and in Australia, phone banking (not sure about Thailand, promo material isn't always in English) I remember a few years ago a client in the US apologising for an incorrect wire transfer to me, as he'd given the teller the wrong amount (swapped a 5 and a 2 or something). I was stunned to think that the founder of a tech startup would not be using internet banking to make wire transfers to contractors, but after reading about the cheque situation it occurred to me that maybe he didn't have the choice.. can anyone confirm deny this is available?
- deleted 12y ago[deleted]
- zengr 12y agoRelated http://readwrite.com/2014/09/09/apple-pay-paypal-stripe http://readwrite.com/2014/09/09/apple-pay-paypal-stripe
- bmurali 12y agoCan Apple Pay be bypassed?