Apple Pay will demolish the barrier between online and offline shopping

“Apple chief exec Tim Cook says that the company’s new mobile payments service, Apple Pay, ‘will forever change the way we buy,'” Cade Metz writes for Wired. “If Apple Pay is successful, it will change the way we buy in more ways than you might expect. It will meld online buying and offline buying into one.”

“Apple Pay isn’t just a way to pay for stuff at places like McDonald’s, Walgreens, and Macy’s. It’s a new way to pay for stuff inside mobile applications like Uber, which lets you instantly order a car ride, and Instacart, which lets you instantly order groceries,” Metz writes. “In short, it equips your phone with a single way to pay for anything—online, offline, or in that new netherworld between the two recently pioneered by the likes of Uber, an app that lets you pay for an immediate offline experience using an online tool.”

“Others offer payment services that seek to blur these same lines, including Google and PayPal. But unlike these players, Apple seems to have bootstrapped a service that can reach the mainstream much quicker, that can instantly allow an enormous number of people to pay for an enormous numbers of goods and services across both apps and physical stores,” Metz writes. “The difference is not just that Apple offers the service on a new phone that will quickly wind up in thousands of pockets. It’s not just that, with 800 million credit cards on file with its existing iTunes store, it can so easily activate the service for so many people. It’s also that these advantages — together with the company’s general clout — have allowed Apple to convince so many big name merchants to accept the service from day one.”

Read more in the full article here.

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  1. Yes it will and Eddie Cue who should get a lot of credit for getting so many big companies sold and onboard, will no doubt still be on judge Cote (x) shit list…

    X for X disbar the bitch.

    1. MDN was a little down on Cue for a while due to an apparent inability to secure Apple TV deals. Now we know what he has been focused on instead. Go Apple! Firing on all cylinders feels good.

  2. Watch out. DOJ will find a way to charge Apple with conspiring with retailers to take business away from Paypal and hurt the credit card fraudsters. And they fixed prices by charging everyone the same 10 basis point fee per transaction. You saw it here first. Judge Cote will have a chance to abuse Eddie again.

    1. Yes, Apple has clearly talked with huge financial institutions and other companies, which Judge Denise Cote shall deem to be _prima facie_ evidence of collusion. Especially since consumers will be harmed by Apple’s new product offerings — as they invariably are harmed whenever Apple introduces new products — since consumers invariably shell out their hard-earned money to buy Apple stuff. Apple’s dastardly intentions are obvious to anyone who has not been brain-washed by Apple’s folksy “make a ripple in the universe” marketing-campaign. So we are lucky to have devoted, insightful, and enlightened civil servants like Judge Denise Cote (and let’s not forget Judge Judy Koh) around to keep scumbags like Apple and Steve Jobs from ruining The American Way.


  3. That’s all well and good if one lives in an area where such things are available. For everyone else, honestly, who cares? and yes, this is an idea that almost relies on competition copy-catting. If you don’t have an iPhone (and in the ‘heartland’ of America, a lot of people don’t, they go for what is cheapest), then it is a non-event. I have no doubt that at some point in the future this will be more meaningful, but for now, big grain of salt.

  4. 1. Retailers that do not get the NFC readers will lose 2-5 percent in business within 6 months as iPhone owners will refuse to do business with lagards. The loss in business will increase as time progresses.

    2. The plastic pay card will be nearly obsolete within the next 2-3 years.

    3. Android phones will have a difficult time competing because of a lack of security, especially the lack of a well functioning touch fingerprint sensor.

    4. There will be many news stories over the next several weeks which will try to dissuade the public from adopting Apple Pay. This is an attempt to protect Google and their partners and businesses that refuse to install new readers. This propaganda attempt will fail, as the simplicity and security of Apple Pay will win the day.

    1. Actually, retailers are the one still holding Apple Pay’s fate in their hands. If they don’t see the value in investing in the readers, Apple Pay will go nowhere. This should be a case where Apple should consider subsidizing the cost of the readers for a year or two, especially for smaller businesses.

      Unfortunately, GooglePay hasn’t really given them warm fuzzy feeling about spending cash on the hardware. Best Buy had NFC readers in all their stores and then ditched them because they were too costly and no one was using them.

      Also, remember that Apple’s 800 million credit card accounts are irrelevant until they own an iPhone 6.

      Don’t get me wrong, I think what Apple has done is FANTASTIC! The merchant only gets your money, NO PERSONAL information or even credit card numbers. I am so going to use this whenever possible.

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