• helenslunch@feddit.nl
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    11 months ago

    Merchants do not have any relationship with Apple for Apple Pay transactions.

    Yes, they absolutely do.

    You tap your phone and it’s treated the exact same way as when you tap your card.

    Not even close. You need to do more research.

    • kirklennon@kbin.social
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      11 months ago

      Have you literally done zero research into this? The vast majority of merchants in the US, and nearly 100% in many other countries, accept Apple Pay. Doesn’t that strike you as awfully high if they actually had to sign up for it with Apple? And add an entirely new payment processor to their operations?

      Apple is not involved in any capacity with processing Apple Pay transactions when you tap your device in a business. A Visa card loaded on an iPhone is literally just a contactless Visa. Apple Pay = Google Pay = physical contactless card. One single industry-standard protocol.

      For web/app transactions, a merchant has to set up Apple Pay explicitly (though it’s still actually processed by the same parties as entering the card number) but for in person, they just need contactless payments enabled on their card terminal. No extra steps, parties, or fees.

      • helenslunch@feddit.nl
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        11 months ago

        Have you literally done zero research into this?

        I’ve clearly done far more research than you have

        The vast majority of merchants in the US

        No they don’t. The vast majority don’t even accept Apple, Google, or Samsung Pay, credit cards only.

        Doesn’t that strike you as awfully high if they actually had to sign up for it with Apple?

        No one said they had to sign up for it with Apple.

        Apple is not involved in any capacity with processing Apple Pay transactions when you tap your device in a business.

        You have no idea what you’re talking about and I’m done repeating myself.

          • kirklennon@kbin.social
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            11 months ago

            That graphic is really good. I’ve seen a lot of graphics that try to explain it but most of them make mistakes; that one is surprisingly perfect.

          • helenslunch@feddit.nl
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            11 months ago

            The other user is correct that Apple is not involved with the processing of purchase transactions. Pulled this from LinkedIn:

            Bruh there is a giant icon that says “Apple servers” in that photo so I have no idea what you’re talking about.

            It’s literally called “Apple Pay” and you’re gonna try to convince me that Apple has nothing to do with processing payments? Not likely.

            Are credit card providers also using Apple servers to not process payments? Because that is what the other user also claimed.

              • kirklennon@kbin.social
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                11 months ago

                In case you’re not just trolling

                At this point I vote we just consider it trolling. The best case alternative is that it’s merely aggressively-protected ignorance, and that’s not worth engaging with either.

              • helenslunch@feddit.nl
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                11 months ago

                As I pointed out, the top flow in the graphic is the provisioning flow

                If you remove the “provisioning flow” does the payment still get processed?

                I encourage you to learn more about this topic. It’s pretty cool how Apple Pay works.

                And I encourage you to Google the words “payment” and “process”.

                I know how it works.

                  • helenslunch@feddit.nl
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                    11 months ago

                    I think I catch your meaning: it seems you’re arguing that provisioning is a necessary prerequisite to using Apple Pay.

                    No, that’s not what I said. I said “provisioning” is part of the payment process. If you remove Apple Pay, there is no payment processed. Ergo Apple Pay is part of the process. This is not complicated.

                    Payment processing is the sequence of actions that securely transfer funds between a payer and a payee. Typically, it involves the authorization, verification, and settlement of transactions through electronic payment systems.

                    I don’t understand how you can write that out and then immediately turn around and tell me that Apple Pay has nothing to do with any of it, because it’s describing the process of Apple Pay very clearly and succinctly.

        • kirklennon@kbin.social
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          11 months ago

          I’ve clearly done far more research than you have

          I feel like I’ve entered some Twilight Zone. You just keep repeating the same absurd claims about something but if you had ever researched it in any capacity you’d know how false those claims are.

          No they don’t. The vast majority don’t even accept Apple, Google, or Samsung Pay, credit cards only.

          Apple Pay is accepted at over 85 percent of retailers in the U.S.

          Look, it’s really simple: If a store accepts contactless cards, it by definition accepts Apple Pay. They are the same thing to the merchant. There are zero merchants that take contactless cards but can’t take Apple Pay.

          As for costs, a random sampling:

          Forbes:

          One great benefit of using Apple Pay is that it doesn’t cost business owners anything extra. Payment processors consider it a normal credit card transaction, so you’ll only pay regular card processing fees. The only upfront cost involved might be upgrading your POS terminal.

          US Chamber of Commerce:

          Once you have the right contactless payment-capable POS, there are no additional fees you, the merchant, will have to pay for using Apple Pay. As a business owner, you will pay the same credit card rates and fees as you would for a card-present transaction.