Apple Pay: Things We Should Remember


Apple Pay arrives in the US tomorrow, and to help consumers with this new service, USA Today wrote a bit of a how to for Apple users. Personally, I read the article and thought there was so much that was accidently left out. Being the helpful sort, I thought I’d do a “let me fix that for you” version for UTB readers.

For years, companies have been talking about replacing credit cards with smartphones to pay for goods. But consumers have been slow to play along.

That could change on Monday when Apple unveils its Apple Pay program to an audience of over 10 million iPhone 6 and 6 Plus owners.

Actually, this is false. NFC payments are here. We’ve all either used or seen others tap their credit cards to terminals at retailers. Ladies and gentleman, meet NFC. Regardless of what Apple wants you to believe, this is not a new technology. And using your NFC enabled smartphone is nothing new either. New for us in the United States perhaps, as our carriers and banks chose to fight about who would get the fees, instead of provide us the ability to use the same technology many of our neighbors have been enjoying. And let’s not forget, it was only a few short months ago when we were arguing with iPhone users that NFC was in fact useful as they were telling us that iBeacon was the wave of the future. My how things change right?

Left out is the network of over 500 million iPhones sold since 2007, but Apple doesn’t mind — it wants to sell new phones and tablets and hopes its new mobile payments system will get consumers excited to upgrade.

No surprise here. Obviously, former iPhones won’t have the hardware required for an NFC transaction. It also falls right in line with Apple’s iPhone sales strategy. With Apple depending mainly on the consumer replacing their phone regularly, it makes sense for them to bring in new functionality that makes the older phones obsolete.

Apple touts ease of use: Instead of fumbling through a wallet for a credit card, just pull out the phone or tablet. There’s also security — no second hands like waiters, valets or other parties will have access to your credit card information.

Personally, I would be extremely frightened to place my security in the hands of Apple. Of course that’s just personal opinion. But I’ve never had a waiter or a valet leave backdoors open to spy on me, make it possible for other’s to completely bypass my security, steal my personal photo,  or hold me for ransom. But of course, none of that was Apple’s fault. Apple told us it wasn’t.

There are a few steps in the setup process where I can see issues arising. Starting with:

On Monday, update to iOS8.1, the new version of Apple’s mobile operating system, via the software update tab in the settings section of your iPhone. The update will allow the new phones to work with Apple Pay.

How fun! Another iOS update! I foresee many tweets tomorrow by iPhone users complaining about lack of space, the photos, videos, apps, and music they have to delete from their app launcher to be able to use the new function. It’s ok guys, you don’t need SD cards right? You have iCloud right? Right….

You can add your credit card or iTunes debit info to the app by using the camera on the Apple device, and scanning your card.

I sincerely hope that Apple has this figured out so that the photos don’t end up synced to the users iCloud. It seems like a very basic thing, but this is Apple remember?

Apple consumers tend to be such huge fans of the company that they often to rush in and try new offerings on the first days — and inevitably bugs pop up and Apple has to scramble to make quick fixes.

“Bugs” is such a cute way to put it!

“I don’t think Apple would release this if the privacy and security issue was not solid. However, there could be glitches at the point-of-sales terminals during the initial roll-out, although those NFC-based terminals have worked pretty flawlessly so far.”

-Apple analyst Tim Bajaran

Well we already know that don’t we? If Apple Pay fails, if something happens to people’s transactions, or even worse, their personal financial information, it will be the fault of those retailer’s terminals, which haven’t had issue yet! But, it won’t be Apple’s fault. Media will see to that.


source: USA Today


Founder & Owner of UTB Blogs. Former BlackBerry Elite. When I'm not talking or writing about BlackBerry, you'll find me using my BlackBerry.