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Moobythegoldensock ,

Apple announced that beginning with iOS 18.1, third-party developers will be able to enable tap-to-pay transactions in their own apps. Users will also be able to set a default app for contactless payments and change what happens when they double-click the power button.

chiisana ,
@chiisana@lemmy.chiisana.net avatar

Opening up the chip is great, but there needs to be a standard way to consolidate them all into one app/interface. Much like how HomeKit brings everything into one place, the Wallet (or some updated API based variant) needs to remain the central place, so we don’t end up getting littered with vendor specific apps for different payment systems.

paraphrand ,

Nope. We are in for companies like Walmart pushing their own wallet, their own app. Sadly.

They have been gearing up for this for a few years now. They bought the online bank One Financial and have been overhauling and building it into a big FinTech play.

chiisana ,
@chiisana@lemmy.chiisana.net avatar

Yep :(

The only reason Apple had gotten traction with it is because they focused all of their users’ purchase power in one unified place. Which became a powerful driver to drive for change. Samsung/Android/Google Pay/Wallet thing never gained traction despite having access to the chip is exactly what we’ll see if the chip just get opened up free for all. All the larger players will push for their own standard, demand for the coveted hardware invocation sequence, while no one else wants to adopt theirs, and ultimately get no where while littering our phone with useless apps.

¯_(ツ)_/¯

Bach37strad ,

So… PayPal?

Seriously can Apple users not use their nfc payments from any app already? That’s like decade old shit now.

chiisana ,
@chiisana@lemmy.chiisana.net avatar

If you didn’t read the article, Apple Pay is the ubiquitous one; Google floundered, flip and flopped but can’t get traction until Apple came around with it. Old or not, having a feature that no one cares about so you can’t use it anywhere makes it pretty useless.

Also, that’s exactly what I’m saying. I don’t want PayPal to launch one, then Walmart decide to push theirs, then local transit authority one, and all of them compete for the coveted hardware invocation. Instead, all of them should consolidate into one unified place via standard set of API + UI so none of them can make a mess. Guess that’s something Android users wouldn’t understand, judging from the piss poor IOT ecosystem and all ¯_(ツ)_/¯

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