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Yeah, if Apple Pay and Google Pay has the same market share then website could integrate those service and achieve the same, I agree. However, Apple Pay and Goo

Yeah, if Apple Pay and Google Pay has the same market share then website could integrate those service and achieve the same, I agree. However, Apple Pay and Google Pay are also harder to use from the perspective of both consumers and merchants in these countries in the beginning, and IMO that's the reason they failed in the first place. I don't know what payment methods these services require now, but in the beginning at least, they both supports just credit cards, which is basically suicidal. Most users won't be able to use it at all. From merchants' perspective, they don't need to pay for transactions on WeChat Pay or AliPay, whereas both Apple Pay and credit card companies would charge them for usage. For this reason most small business wouldn't even think of using them.

wenc 6y ago
Well, from what I'm seeing Apple Pay is gaining traction here in the U.S. Since the NFC part isn't proprietary, it works with almost any terminal (Ingenico, Verifone) that supports contactless payments (with few exceptions). It supports Apple Cash, which in turn can funded via a bank debit card. (kind of like Venmo). There's no transaction fee with Apple Cash. I believe there are currently no additional fees on the merchant side to accept Apple Pay [1], unless the customer uses a credit card via Apple Pay in which case the standard credit card fees apply. [1] https://support.apple.com/en-us/HT204274 https://support.apple.com/en-us/HT204274
cxr 6y ago
> Yeah, if Apple Pay and Google Pay has the same market share then website could integrate those service According to the Apple developer docs[1], websites don't have to integrate with Apple Pay specifically; Safari also supports the (fairly new) platform-neutral Payment Request API[2]. Google's docs[3] suggest that something similar is available for Chrome on Android. 1. https://developer.apple.com/documentation/apple_pay_on_the_web https://developer.apple.com/documentation/apple_pay_on_the_w... 2. https://www.w3.org/TR/payment-request/ https://www.w3.org/TR/payment-request/ 3. https://developers.google.com/web/fundamentals/payments https://developers.google.com/web/fundamentals/payments

wenc 6y ago

Well, from what I'm seeing Apple Pay is gaining traction here in the U.S. Since the NFC part isn't proprietary, it works with almost any terminal (Ingenico, Verifone) that supports contactless payments (with few exceptions). It supports Apple Cash, which in turn can funded via a bank debit card. (kind of like Venmo). There's no transaction fee with Apple Cash. I believe there are currently no additional fees on the merchant side to accept Apple Pay [1], unless the customer uses a credit card via Apple Pay in which case the standard credit card fees apply. [1] https://support.apple.com/en-us/HT204274 https://support.apple.com/en-us/HT204274

cxr 6y ago

> Yeah, if Apple Pay and Google Pay has the same market share then website could integrate those service According to the Apple developer docs[1], websites don't have to integrate with Apple Pay specifically; Safari also supports the (fairly new) platform-neutral Payment Request API[2]. Google's docs[3] suggest that something similar is available for Chrome on Android. 1. https://developer.apple.com/documentation/apple_pay_on_the_web https://developer.apple.com/documentation/apple_pay_on_the_w... 2. https://www.w3.org/TR/payment-request/ https://www.w3.org/TR/payment-request/ 3. https://developers.google.com/web/fundamentals/payments https://developers.google.com/web/fundamentals/payments