On the 13th, according to Apple Insider, an Apple insider blog, Apple Pay will expand from mobile apps to mobile sites later this year. Re/code quoted people familiar with the matter as saying that Apple has informed potential e-commerce partners that Apple Pay will soon support the site's shopping payments and provide new payment channels for iPhone and iPad users.
Apple Pay is Apple's service for digital payment when iPhone 6 was released in September 2014. It currently supports offline NFC near-field payment methods and online In-App in-app mode. As reported, Apple Pay online payments will be extended from In-App to WAP.
As a practitioner in the payment industry, I published two articles about Apple Pay on the mobile payment network in September 2014. I have been paying attention to Apple Pay for a long time. Now, the speculations at that time have basically been presented.
Since the end of 2015, the domestic mobile payment industry has successively launched an earthquake. From December 2015, UnionPay United 20+ issuing bank issued UnionPay HCE payment, and in February 2016, Apple Pay officially went online, and then to the recent Android camp's 3 giants, Samsung Pay and Huawei. Pay and Mi Pay have been released or launched online. The UnionPay cloud flash payment family has assembled a luxurious battle lineup. The company is directly pointing to the two major Internet payment giants, Alipay and WeChat (TenPay), which are currently in the limelight. The three-legged trend has been established.
Nowadays, the domestic mobile payment pattern is somewhat similar to the situation in which the three countries competed in the end of the Han Dynasty.
Although the silver contact is like the soldiers, the most widely occupied Cao Wei, although it has the name of orthodoxy, but the generals may not be united, the public will be even more incompetent, unable to produce a hole, the potential is not to be exhibited, can not be said to be strong;
Alipay, the most powerful of Alipay, has a charismatic commander, the most desire for fighting, and the intention is to be the best in the world;
WeChat payment, such as Sun Wu, who is watching the fire from the other side, is hard at practicing internal strength. Sometimes Liu Anti-Cao, and sometimes "swallowing" the interests of allies, sit and watch the two tigers fight.
The author has a long working experience in the underlying hardware service provider of the UnionPay system. He feels that the silver connection is big but not strong. In the face of the strong penetration and aggressive offensive under Alipay and WeChat payment lines, he can only retreat step by step, even if UnionPay finally gave up offline offline flash payment, combined with major card issuers and Apple-led smart terminal manufacturers, pushing online cloud flash payment, assembling luxury battle arrays and two giants, it is still difficult to change the silver link weak. Concept.
The news that Apple Pay reported from the App to the WAP payment on the 24th is as strong as a silver connection, which has far-reaching effects. Compared to the App approach, the WAP approach has clear advantages in terms of usage thresholds and product iterations. What is really daunting is not the WAP payment that may be supported, but through these phenomena, I can see Apple's firm determination and tenacious will to promote Apple Pay. Yesterday was the iPhone SE release, today is WAP payment, tomorrow..... .
The WAP payment method is generally poor due to congenital defects, but with Apple's absolute control over the terminal, the system-level integration strength from the operating system layer to the application software layer to the payment service layer has been in the previous offline NFC and line. The verification of the In-App payment is undoubtedly the best payment method for the current user experience, and there is no one. The current three-party WAP payment process is briefly described as follows:
Alipay WAP payment: Select Alipay WAP payment to jump to the default browser (if you are the first jump, you need to login Alipay account), choose the payment method (Alipay account or bank card), enter the password. The overall experience is poor, and Alipay WAP payment is blocked in WeChat and cannot be automatically redirected. You need to select “Open in Browser†on WeChat again.
WeChat WAP payment: Select WeChat WAP to directly transfer the WeChat cashier, choose the payment method (change or bank card), and enter the password. The overall experience is good, but WeChat WAP payment is currently not open to a few core service providers except Jingdong.
UnionPay WAP payment: Select UnionPay WAP payment to jump to the UnionPay payment page. For the first verification, you need to enter all payment elements including card number, expiration date and CVN2, and SMS verification code. You will still need to enter the validity period and CVN2 repeatedly, and SMS verification. code. The overall experience is the worst.
Apple Pay WAP Payment (guess): Select Apple Pay WAP to pay, choose the payment method (default card or replace the remaining cards), and Touch ID verification to complete the payment. The overall experience is the best, one-click payment is enough to spike all current WAP payment experiences.
In addition, from a security perspective, Apple Pay's offline NFC and online In-App methods are card-based and comply with the PBOC 3.0 specification. It is believed that this card-based model will also extend to its WAP payment method. From the perspective of transaction security, it is undoubtedly better to have a card than other WAP cardless methods. This also laid a safe foundation for online payment to enter the large transaction area.
In the past two years, in the face of the offline penetration of Internet giants, silver links are passive defenses, and the poor counter-attack force is almost negligible, but after Apple Pay expands to WAP payment, the battle of mobile payment will no longer be limited to the line. Next, the rear of the Internet giant is no longer stable. It is reasonable to expect that major terminal manufacturers will follow suit one after another. The momentum of the Spark will be completed. The war will spread from the original line to the entire front, and it will become a fierce battle. All-round close combat, all parties no longer have a stable backyard and sufficient strategic depth, a long-term battle is inevitable.
Let us wait and see.
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