NFC

After a great deal of speculation, Visa and PayPal (or is it PayPal and Visa?) have announced a partnership where the two companies will “collaborate to accelerate the adoption of digital payments.” The announcement, which was actually more detailed than most partnership announcements, speaks of putting the two companies “on a new path” for the […]

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I spent the weekend in Indio, California at the Coachella Music and Arts Festival (often referred to as the “Modern Day Woodstock” for you Boomers). Over the few weeks leading up to the event, Square and Apple advertised quite a bit about how every single vendor on the festival grounds would have a new contactless […]

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The evolution of the digital wallet has seemed to accelerate in recent months, weeks and days, led, in my mind, by some important payment product launches by the retail community. These developments combine the long-standing heft and influence of America’s largest retailers with a seemingly more aggressive stance by these companies to both assert their […]

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We’ve spent so much time the past several years obsessing about how mobile proximity payments would be deployed in the U.S. and the rest of the developed world. Now we know. This week, Apple Pay celebrates the first anniversary of its launch, and a new generation of payment-enabled iPhones will be announced. Later this month, […]

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Every payment pro in the US is also a shopper and we all know that the largest retailers are poised to support EMV. Nearly all have EMV capable hardware. A few have turned it on. Most are waiting for the October liability shift so the temporary pain and awkwardness of clerk and consumer confusion is […]

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Host card emulation (HCE) was invented back in 2012. It was supposed to do for NFC on Android what Apple Pay has done for NFC in the iOS ecosystem. But it’s taken longer, a lot longer, for a robust Android-based NFC capability to get deployed. In this conversation with HCE inventor Doug Yeager, CEO of […]

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Message delay from phone to watch – I can hear my phone signaling a message has arrived but it takes a while to show up on my watch You have to remember to turn both watch and iPhone back on after being in airplane mode, even if set to “mirror phone” Only black watch faces? […]

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Like many payments industry insiders, we have been following the recent impassioned industry dialog about the relative merits of Apple Pay and MCX’s CurrentC wallet with a combination of amusement and despair. The barbs and accusations being exchanged by the rival camps in this technological holy war between NFC and QR codes suddenly reminded me […]

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First There is a Mountain, Then There is No Mountain, Then There is… I’ve been thinking about what the future of the point of sale environment will look like from a consumer perspective. Of course, 10 years ago, we all knew what it was going to look like: consumers tapping their mobile phones to Near […]

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In this Payments on Fire podcast, Russ Jones and I discuss last week’s Apple Pay announcement and how it fits with and compares to other checkout approaches. We begin looking at Apple Pay and Visa Checkout from the perspective of the checkout process because that’s what they are, ways to optimize checkout. We talk about […]

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The Apple Pay announcement finally came yesterday and the company’s orchestration of much of the complex and fractious card payments ecosystem demonstrates Apple’s insight into how the current payments ecosystem works and how it must be aligned in order to meet its own needs. Combining NFC, Apple’s Passbook wallet, Touch ID biometric reader, cards stored in the […]

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For those companies and individuals most committed to building the EMV and NFC ecosystems, the place to be February 3rd through 7th was Salt Lake City where the Smart Card Alliance hosted both an EMV Migration Forum meeting and its annual Payments Summit.  Over 525 people attended, representing the chip industry, payment processors, card brands, […]

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I was in Washington this week for client meetings and to attend an FTC conference on mobile payments. At the conference, in addition to many regulatory lawyers and consumer protection advocates, there were the usual mobile payments suspects: Visa, MasterCard, Google, Isis, Intuit, etc., as well as a host of startups: LevelUp, Dwolla, Boku, and […]

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