Hacker News Reader

Comment by traveler01 | Hacker News Reader

So if I read this correctly they're finally getting fined for closing down NFC in iPhones to their own payment system?

They're so slow, this is being an issue for years, and there's really no excuse for them to do this other than just protecting their monopoly.

I just switched to an Android some months ago and I can't believe on behind is Apple in certain questions. Apple Pay is a pain compared to Google Pay, and some cards aren't even available on Apple Pay for no reason.

View on HN

> and some cards aren't even available on Apple Pay for no reason

I think it depends entirely on the bank.

Read somewhere that depends mostly on Apple apparently... Google Pay supports all those cards so, makes no sense.

Can you give an example of a card/financial institution where it's available on Google Pay but not Apple Pay?

It's not too hard to compare as both of them publicly list supported cards:

For example Brazil (because it's near the top on the Apple link): https://support.apple.com/en-us/HT204916#brazil versus https://support.google.com/pay/answer/7572319

> Apple Pay is a pain compared to Google Pay

interesting. can someone expand on this?

This how Apple Pay works to make a physical payment (which is the main case of this thread): 1 - Click two times on the iPhone powerbutton 2 - Unlock the phone with the FaceID 3 - Take the phone and put it on top of the terminal

ALSO, if you're already using your phone, you must press again the powerbutton two times, unlock Apple Pay with FaceID and then put the phone on top of the terminal.

Google Pay (using a Galaxy S22...) 1 - Unlock the phone using the fingerprint reader 2 - Put it on top of the terminal

If you're already using the phone just put it on top of a terminal and will pay your bill.

Seems like a small issue, but considering that until a few weeks ago we were still using masks, I sometimes had to input my phone pin in front of everyone to access Apple Pay, even if I had the phone unlocked before getting to the pay terminal...

That's not the way it works on my iPhone (2020 SE). Move the phone over the payment terminal, it senses the NFC terminal, wakes up with my default payment card shown, I put my thumb on the sensor and payment is made.

> This how Apple Pay works to make a physical payment (which is the main case of this thread): 1 - Click two times on the iPhone powerbutton 2 - Unlock the phone with the FaceID 3 - Take the phone and put it on top of the terminal Google Pay (using a Galaxy S22...) 1 - Unlock the phone using the fingerprint reader 2 - Put it on top of the terminal

i thought it was something more serious.

anyway, apple already solved this using express pay, which is faster than google pay: https://www.apple.com/uk/apple-pay/transport/

> Paying for journeys on Transport for London is easier with Express Mode for Apple Pay. You no longer need to authenticate your payment with Face ID or Touch ID. Simply select a card for travel in Wallet. Then just tap your iPhone or Apple Watch on the yellow card reader and go.

This description of Apple Pay UX is simply incorrect. With Apple Pay on my last two iphones: I first hold my phone to the terminal, the phone wallet app opens automatically to default card, look at phone screen to confirm amount, FaceID unlocks nearly instantly, and double-tap power button to confirm. It takes 3-4 seconds tops.

If you have a touchID iphone you don’t even have to look at the phone screen, although that is a bad idea as you’re not confirming the transaction amount. The terminal’s screen could be lying to you.

Summing up, basically Google Pay it's way more practical.

Curious as well, since whatever you do not like about Apple Pay, it actually works very well (not a single issue I had).

Reply on news.ycombinator.com