• helenslunch@feddit.nl
    link
    fedilink
    English
    arrow-up
    1
    arrow-down
    14
    ·
    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
        link
        fedilink
        arrow-up
        6
        ·
        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
        link
        fedilink
        English
        arrow-up
        1
        arrow-down
        7
        ·
        edit-2
        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
            link
            fedilink
            arrow-up
            8
            ·
            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
            link
            fedilink
            English
            arrow-up
            1
            arrow-down
            6
            ·
            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
                link
                fedilink
                English
                arrow-up
                1
                arrow-down
                5
                ·
                edit-2
                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
      link
      fedilink
      arrow-up
      9
      ·
      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.