 Pay Discussions [Read first page for FAQ]

szeli

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Jut curious if anyone here will really use alot of the new payment system? I still see alot of people pay traditional way, cash or sign card. Except EZ link, dun see much tap and go. Even the ntuc self checkout counters hardly used.

But since we are at the topic of bashing the govt, just want to say +1. Haha.

i will definitely use it. it's e same as using Visa PayWave/MasterCard PayPass.
but much more secure.
 

szeli

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All the 3 telcos have launched their nfc offering but on android which has ezlink and DBS onetap in it.

i checked out e DBS onetap page. biggest stumbling block for mass adoption probably cos need to swop out existing sim to a NFC enabled sim.
 

uRiZEn

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I believe its just the singapore financial institutions adopting to it or whether there's any underlying finance schematic. It apparently accepts US credit cards and is able to use at any ntuc or cold storage outlets that accept Master paypass and Visa Paywave.

Apple Pay Shown to Work Internationally Using U.S.-Based Credit Cards - Mac Rumors

Once an iPhone is configured with the appropriate U.S. credentials, international owners can use Apple Pay at point-of-sale terminals that support NFC payments. Australians, for example, can use Apple Pay at locations that accept MasterCard PayPass, Visa payWave, or American Express ExpressPay payments.

As Giles points out, the situation is not ideal for natives of countries outside of the U.S., as using a U.S. credit card for these purchases will incur currency conversion fees that can increase costs significantly. But for U.S. users traveling abroad or for international users who have U.S. credit cards and simply want to try out the service, Apple Pay does indeed function internationally.

Though Apple Pay is officially supported in the U.S. for the time being, the mobile payment solution is designed to work with existing payment terminals around the world. Once banks begin to work with Apple and offer support for Apple Pay, the expansion of the program into international countries should be relatively easy.
 

TrueBeliever_jh

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i checked out e DBS onetap page. biggest stumbling block for mass adoption probably cos need to swop out existing sim to a NFC enabled sim.
so i read about this.. there is this NFC SE (Secure Element) SIM that provides additional layer to protect data transmission from phone to NFC terminals..

Does iPhone 6/6 Plus use NFC specific nano-sim card? - Page 2 - MacRumors Forums
the thread says it. NFC SE is embedded into the phone. we shall see if it can make it to our shores.. i am sure there are big corps trying to emulate this story in Singapore's context while linking themselves up with MAS, IDA, Telcos
 

jaloon

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Just switch your phone region to US to enable the feature. However, the process of adding the credit/debit card still requires validation of the card number so its' not useful yet.
 

szeli

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so i read about this.. there is this NFC SE (Secure Element) SIM that provides additional layer to protect data transmission from phone to NFC terminals..

Does iPhone 6/6 Plus use NFC specific nano-sim card? - Page 2 - MacRumors Forums
the thread says it. NFC SE is embedded into the phone. we shall see if it can make it to our shores.. i am sure there are big corps trying to emulate this story in Singapore's context while linking themselves up with MAS, IDA, Telcos

oh. so e secure element on e Android side of things is in e NFC sim. interesting. i wonder y dun Android phone makers make it embedded too? probably dictated by carrier?
 

EldonChew

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oh. so e secure element on e Android side of things is in e NFC sim. interesting. i wonder y dun Android phone makers make it embedded too? probably dictated by carrier?

Most probably the banks didn't think Android was secure enough that's why the NFC sim

Apple Pay works by tokenisation, Touch ID and the Secure Element on the A8 chip
 

chris888222

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A little surprised to see it work with unofficial partners. He commented that Apple pay worked with a NFC reader at a petrol station. Very interesting.

Downside is, it requires a US CC for now.

And no need for NFC SIM is a major plus. Good job Apple.
 

xiaobai1

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I believe its just the singapore financial institutions adopting to it or whether there's any underlying finance schematic. It apparently accepts US credit cards and is able to use at any ntuc or cold storage outlets that accept Master paypass and Visa Paywave.

Apple Pay Shown to Work Internationally Using U.S.-Based Credit Cards - Mac Rumors

Ok this is a very interesting, at first i thought the apple pay was like a man in the middle handing the transaction but it seems that it is able to emulate a paywave or paypass. This would seems that instead of handling transaction, apple is handing the security to use this technology.
 

chris888222

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Here's hoping that Apple can arrange a deal with DBS, considering that they also have presence outside of Singapore (e.g. Hong Kong) so Apple might be more interested.
 

ReiszRie

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Imagine u go ntuc. Buy one packet of drinks. Cashier Scan your item. U bring out your phone n wave in front of the receiver. The phone lights up. U put your finger to the fingerprint scanner. Done. Android has NFC for a long while. Apple made it sexy....

Its really about the implementation, being the first to have NFC is like an empty victory, being the first to successfully implement widespread adoption of NFC payment is what counts.

This is where Apple specialise in, implementation, driving adoption and software hardware integration.
 

ReiszRie

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Android has it for sometime but still you can't do it at NTUC right? It all boils down to how dedicated the company is to make it happen. The way I see it Apple is kinda dedicated by wooing the different banks and companies

Indeed, Apple to it right where others didn't and that is banks playing a critical role in pushing for NFC adoption, honestly, I wouldn't want to go through the process of "topping up" a mobile NFC payment solution account just to use to make payments or deal with funds being channelled through a newcomer tech company, I want my payments to be directly charged to my card and through a reputable company that facilitates the payment with a strong security solution.
 

szeli

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Android has it for sometime but still you can't do it at NTUC right? It all boils down to how dedicated the company is to make it happen. The way I see it Apple is kinda dedicated by wooing the different banks and companies

talking about NTUC, they don't even support PayWave/PayPass i think. at least for e branches i visit that r near my hse. if u use google wallet on Android, u can try at Cold Storage, Giant. they support NFC (PayWave/PayPass) so google wallet should work.
 

szeli

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Pretty sure China is part of Asia...

yeah, n i believe Apple has wasted no time getting into China. think UnionPay is e biggest network there?

UnionPay, Apple Said to Agree on U.S. Firm's New Payment Technology -

(Beijing) – China UnionPay Co. Ltd. and Apple Inc. have agreed to cooperate to bring the U.S. tech company's new smartphone payment option to China, a source with knowledge of the matter says.
On September 9, Apple unveiled its new line of smartphones – the iPhone 6 and iPhone 6 Plus – and a payment option linked to the devices called Apple Pay. The source said UnionPay, a state-backed bankcard association that runs a settlement system for cards bearing its logo, has already agreed to let Apple Pay link to its cards.
 

the_gryffindor

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NTUC supports Paywave and PayPass. It's not well-known because they call it 'Contactless Credit Card' at least at the self-checkout counter.
 

the_gryffindor

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It's just a matter of getting MAS to approve it. The infrastructure is already there. PayWave is a very common payment nowadays here.
 

szeli

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NTUC supports Paywave and PayPass. It's not well-known because they call it 'Contactless Credit Card' at least at the self-checkout counter.

oops my bad! I could have sworn when I asked e cashier about PayWave they told me no, only NETs available. or is it only available at those NTUC Finest that have self-checkout counters?
 
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