Apple Takes on PayPal with Apple Pay on the Web | Hacker News Reader

Apple Takes on PayPal with Apple Pay on the Web

techcrunch.com

51 pointstilt18 comments

So I need a secondary device to complete my Laptop/desktop Safari-only purchase?

Not-likely.

Apple Pay still needs an auth mechanism and that is still provided by the iPhone as it is now. This is an expanding of the ways to use Apple Pay, not a restricting.

It's unfortunate that iPhone users who are not also Mac users are left out.

Or people whose iPhones are in another room when they are trying to buy something. It's a step back to need a specific device.

> Apple Pay still needs an auth mechanism

Why? There's no auth mechanism on my credit card, I just autofill from 1Password and hit enter.

Why would you create a new internet payment system that's both more expensive and less convenient than credit cards? It boggles the mind.

>> "Why? There's no auth mechanism on my credit card, I just autofill from 1Password and hit enter."

I'm saying this as someone in the UK but to checkout online with my debit card I use autofill, look up my CVC number as autofill doesn't hold that, then I have to enter 3 characters from my password to pass the 'verified by Visa' thing. With this I don't need to do any of that. It's much, much more convenient as I always have my iPhone next to me anyway.

> look up my CVC number as autofill doesn't hold that

1Password will hold your number, expiry, CVC, name, as well as your billing address. We don't have 'verified by visa' in North America so this seems like a solution looking for a problem.

Edit:

Ok, we 'have' Verified by Visa, but it's not enforced and if you enroll in it voluntarily to make your checkouts harder it's your own fault.

I've had Visa debit and credit cards in Canada and the US and it has never been mandatory.

> We don't have 'verified by visa' in North America so this seems like a solution looking for a problem.

Now I'm pretty sure you're just trolling. Not only do we absolutely have 'Verified by Visa' I'm pretty sure the US is were it started to roll out.

Like chip+pin cards, verified by visa is very rare in the US. Ubiquitous in UK and many European countries though.

>> "1Password will hold your number, expiry, CVC, name, as well as your billing address."

Why should have to install another app just to make checkout easier?

>> "Ok, we 'have' Verified by Visa, but it's not enforced and if you enroll in it voluntarily to make your checkouts harder it's your own fault."

It makes them more secure. You're sacrificing security for convenience when you can have both.

> Why should have to install another app just to make checkout easier?

You shouldn't. Credit cards are broken. From the user perspective Apple Pay is just as broken (you need to buy an iPhone/Mac and fiddle with both of them). From the merchant/bank perspective it may or may not help fraud rates but as a consumer I don't care unless they start offering discounts.

> You're sacrificing security for convenience when you can have both.

I'm sacrificing the bank/merchant's security (worth $0 to me) in order to gain convenience for myself. If they want me to jump through hoops like this Apple Pay thing to prove I'm not a fraudster they should give me a discount.

> There's no auth mechanism on my credit card

Yes I believe that is a large part of the problem that things like Apple Pay and Google Wallet are aiming to fix.

There is certainly an auth mechanism on my credit card. After entering my CC details I will be redirected to a page at my bank. I have a little device from my bank in which I insert my CC and enter it's pin, I then have to use it to scan a QR-like code from the screen, the device then shows me the payment details and asks me to confirm after which it shows a code I have to enter into the website to approve the payment.

When using it in stores I also need to enter a PIN.

To reduce fraud?

How does that help me? Are the merchants going to give me a discount for using Apple Pay instead of my credit card? I'm already not liable for fraud.

You know, no one is making you use it, if you don't like it, don't use it.

Also, there is more to credit card fraud than just that credit card being drained.

Apple Pay is backed by your credit card.

Too bad it's not available in more countries.

It's not reallt a competitor to Paypal if you can'r actually use it.

I think Apple is way too US centric. Why launch Apple Pay in the US where hardly any stores accept NFC payments when you could have launched in Europe where NFC payment terminals are everywhere.

Reply on news.ycombinator.com