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You 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.ap

by pc 12y ago

You 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 ago
Three of the payment platforms either don't load or show a 'Coming Soon' page. Ouch.
- aapl_bad_stream 12y ago
  If only Apple Pay, had, paid for some good engineers, then their keynote stream may have worked!
nextstep 12y ago
Thanks. Makes sense.
induscreep 12y ago
You actually can: "The alternative is to provide your own server-side solution to receive payments from your app, decrypt payment tokens and interface with the payment provider. Handling credit and debit card payments can be complicated and unless you already have the expertise and systems in place, an SDK from a payment provider is the quickest and most reliable way to support Apple Pay in your app." From: https://developer.apple.com/apple-pay/Getting-Started-with-Apple-Pay.pdf https://developer.apple.com/apple-pay/Getting-Started-with-A...
- jonknee 12y ago
  ... That's not directly. The "interface with the payment provider" is what Stripe is and this lets you interface with Stripe.
  - induscreep 12y ago
    What is the barrier in building your own interface with the payment provider? Is it red tape, or technical challenges?
    - danudey 12y ago
      Both. You have to build a pretty significant architecture which meets PCI compliance (so e.g. hardware firewalls, hosted in a data centre with sufficient physical security, etc. etc), which makes it hugely expensive, and technologically demanding. Then you have to sign a contract with a bank or banks in order to get the process going, which is the red tape part. Then you get to handle all the systems responsible for handling fraud, chargebacks, extra customer service, and so on. And then you pay higher rates because you're doing worthless volumes, even assuming that the banks will deal with you at those volumes. Once you're done that, you've built a small-scale, inefficient, featureless, and altogether shitty version of what Stripe will offer up to anyone with an e-mail address, and it's taken you six to eight months to build. Oh and your app is out of date and all your competitors have taken your customers.
      - induscreep 12y ago
        What I meant to ask was, "what did people do before Stripe came into existence"?
        jonknee 12y ago
        There are dozens of payment gateways. Braintree and Authorized.net are two large ones. If you accept credit card payments you will need a payment processor. You don't want to do this yourself.
- mhartl 12y ago
  N.B. The comment you're responding to was made by Stripe cofounder Patrick Collison (pc).
awicklander 12y ago
So is Apple Pay in essence another way to get a credit card processed against stripe? If you have an app that customers can store credit cards on, it's not clear to me what the additional benefit of apple pay is? Is it simply a better/faster way of getting the card information to stripe by way of thumb press as opposed to key entered?
- jonknee 12y ago
  I suppose the idea would be that you want to lower the barriers to payment and a thumb press is pretty low.
  - scholia 12y ago
    In Europe, we can already pay for things with contactless bank cards, without even tapping (up to about $30). If you want to do it like NFC or iPay, you can always stick your payment card to the back of your phone.... UKCards Association says "44.6 million contactless cards in circulation in the UK, used to make 22.1 million contactless transactions in May 2014". http://www.theukcardsassociation.org.uk/contactless_consumer/what_is_contactless.asp http://www.theukcardsassociation.org.uk/contactless_consumer...
    - madeofpalk 12y ago
      You joke about sticking your card to your phone but that's what my bank did https://www.commbank.com.au/blog/tap-pay-new-commbank-app-ios-7.html https://www.commbank.com.au/blog/tap-pay-new-commbank-app-io...
      - batuhanicoz 12y ago
        We have NFC sim cards in Turkey that enables regular phones (even dumb ones) to make purchases. (http://www.garanti.com.tr/en/personal_banking/credit_cards/bonus_card_family/bonus_trink/bonus_trink_on_mobile_phone.page? http://www.garanti.com.tr/en/personal_banking/credit_cards/b...) There are also NFC enabled stickers, watches and key fobs.

by pc 12y ago

You 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 ago

Three of the payment platforms either don't load or show a 'Coming Soon' page. Ouch.

aapl_bad_stream 12y ago
If only Apple Pay, had, paid for some good engineers, then their keynote stream may have worked!

nextstep 12y ago

Thanks. Makes sense.

induscreep 12y ago

You actually can: "The alternative is to provide your own server-side solution to receive payments from your app, decrypt payment tokens and interface with the payment provider. Handling credit and debit card payments can be complicated and unless you already have the expertise and systems in place, an SDK from a payment provider is the quickest and most reliable way to support Apple Pay in your app." From: https://developer.apple.com/apple-pay/Getting-Started-with-Apple-Pay.pdf https://developer.apple.com/apple-pay/Getting-Started-with-A...

jonknee 12y ago
... That's not directly. The "interface with the payment provider" is what Stripe is and this lets you interface with Stripe.
- induscreep 12y ago
  What is the barrier in building your own interface with the payment provider? Is it red tape, or technical challenges?
  - danudey 12y ago
    Both. You have to build a pretty significant architecture which meets PCI compliance (so e.g. hardware firewalls, hosted in a data centre with sufficient physical security, etc. etc), which makes it hugely expensive, and technologically demanding. Then you have to sign a contract with a bank or banks in order to get the process going, which is the red tape part. Then you get to handle all the systems responsible for handling fraud, chargebacks, extra customer service, and so on. And then you pay higher rates because you're doing worthless volumes, even assuming that the banks will deal with you at those volumes. Once you're done that, you've built a small-scale, inefficient, featureless, and altogether shitty version of what Stripe will offer up to anyone with an e-mail address, and it's taken you six to eight months to build. Oh and your app is out of date and all your competitors have taken your customers.
    - induscreep 12y ago
      What I meant to ask was, "what did people do before Stripe came into existence"?
      - jonknee 12y ago
        There are dozens of payment gateways. Braintree and Authorized.net are two large ones. If you accept credit card payments you will need a payment processor. You don't want to do this yourself.
mhartl 12y ago
N.B. The comment you're responding to was made by Stripe cofounder Patrick Collison (pc).

awicklander 12y ago

So is Apple Pay in essence another way to get a credit card processed against stripe? If you have an app that customers can store credit cards on, it's not clear to me what the additional benefit of apple pay is? Is it simply a better/faster way of getting the card information to stripe by way of thumb press as opposed to key entered?

jonknee 12y ago
I suppose the idea would be that you want to lower the barriers to payment and a thumb press is pretty low.
- scholia 12y ago
  In Europe, we can already pay for things with contactless bank cards, without even tapping (up to about $30). If you want to do it like NFC or iPay, you can always stick your payment card to the back of your phone.... UKCards Association says "44.6 million contactless cards in circulation in the UK, used to make 22.1 million contactless transactions in May 2014". http://www.theukcardsassociation.org.uk/contactless_consumer/what_is_contactless.asp http://www.theukcardsassociation.org.uk/contactless_consumer...
  - madeofpalk 12y ago
    You joke about sticking your card to your phone but that's what my bank did https://www.commbank.com.au/blog/tap-pay-new-commbank-app-ios-7.html https://www.commbank.com.au/blog/tap-pay-new-commbank-app-io...
    - batuhanicoz 12y ago
      We have NFC sim cards in Turkey that enables regular phones (even dumb ones) to make purchases. (http://www.garanti.com.tr/en/personal_banking/credit_cards/bonus_card_family/bonus_trink/bonus_trink_on_mobile_phone.page? http://www.garanti.com.tr/en/personal_banking/credit_cards/b...) There are also NFC enabled stickers, watches and key fobs.