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EU Hearing 'Many Concerns' About Potential Anticompetitive Issues With Apple Pay
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I can see both sides... obviously others want access to Apple's NFC... but at the same time Apple business model is building hardware/software ecosystem to sell it's own services. The counter argument can be that whats the point of continuing trying to improve, if others can just hop on board when they see that you are successful?
Am I missing something or is everyone in this thread talking about something not related to the article?
isnt it all based around actually paying for items in apps and websites and not the physical NFC payments made in physical shops?
isnt it all based around actually paying for items in apps and websites and not the physical NFC payments made in physical shops?
Apple isn't a monopoly, though. If you want to buy a smartphone, you have HUNDREDS of options - and as Android enthusiasts are happy to point out when the numbers serve their argument, Android has a significantly higher market share than iOS.
Lack of access to the NFC chip certainly hampers competing options _on iOS devices_, but the Android ecosystem has had every opportunity to create a better payment service for its users. And didn't. Google, Samsung, Paypal (which owns Venmo), Square (which owns Cash) and the like haven't done a good job of filling the contactless payments void for Android. I don't see how access to the NFC functionality in iOS will change that fact.
This is the comment that should be at the top of the list.
As far as I understand you are correct. More precisely I think the "issue" hinted is Apple allegedly leveraging his strong position in the mobile marked to push Apple Pay to online merchants. Something like "if you want us to accept your app for iOS you have to use Apple Pay in your online platform too.".
Said that, it's an investigation driven by some specific complaint and could be completely bogus.
See also: Catalina "breaking" apps that didn't use the new `iTunesLibrary` APIs that Apple introduced in High Sierra.
Then please stop complaining all the time about how Apple products cost more there. Blame your own policies and taxes and all that. Can't have it both ways.
You'll never know because Apple wouldn't allow it. That's why there are concerns about anticompetitive behaviour.
Regulators wanted to know if Apple has rejected merchant apps as incompatible with the terms and conditions for integrating Apple Pay in their apps
The EU wants to know if Apple is rejecting apps from their Appstore because of lack of Apple Pay integration. In otherwords, forcing developers to use Apple Pay.
The EU wants to know if Apple is rejecting apps from their Appstore because of lack of Apple Pay integration. In otherwords, forcing developers to use Apple Pay.
But why do you guys say stuff like this, but are so upset when Apple products cost more there than elsewhere. Complying with all the EU nonsense costs more.
I guess what I need explained then is, as a business or bank, who wants to develop their own NFC payment system why not just adopt the open non-apple hardware? Just build it and release it for Androids which are 85% of the market. Bury Apple Pay.
This is so funny. EU wants Apple to open up the iPhone to the free market, so you call them socialists; and you think the response should be ... for Apple to open the iPhone to the free market!
I don't think you or they are wrong to be concerned. But I'm curious how it's feasible to have multiple payment options set up simultaneously. If I go to pay at a checkout counter, and double click twice to initiate Apple Pay, am I going to then be presented with a list of options I have to choose from? Seems it would negate the simplicity of it.
An app can use the NFC chip now, just not for payments (different types of messages). For instance, for inventory tags, etc.
If there is no security risk to allowing apps to have more complete use of the NFC, then I can see the argument that the phone vendor shouldn't lock out competing applications. But if there is a risk, then I'd rather trust that Apple's own apps won't abuse it, than that they'd promptly catch any case of some 3rd party app abusing it, and pull that app.
If there is no security risk to allowing apps to have more complete use of the NFC, then I can see the argument that the phone vendor shouldn't lock out competing applications. But if there is a risk, then I'd rather trust that Apple's own apps won't abuse it, than that they'd promptly catch any case of some 3rd party app abusing it, and pull that app.
It is better than not accepting a payment because the terminal detects multiple RFID cards.
What if Apple had used their position to inspire credit companies to offer more favorable rates to apps that offer Apple Pay like technology and this led them to raise rates on apps that don’t?
That could pose a problem for Apple if they are actually blocking Apps.
But the NFC angle is open & shut. It's Apples device and they can allow (or restrict) access to hardware as they see fit. Especially something that's central to the security of the device.
Then buy an Android phone. Jezzz is it that difficult to do?
There might be other reasons why people prefer an iPhone. There must not be lock-in because there's so little choice.
It's not clear from TFA that this is the case. I would be surprised if Apple, with a 16% EU market share, would be in a position to force any vendor to use Apple Pay exclusively. In fact, from I can glean from the posts here, the issue is that Apple uses NFC like everyone else but adds some sort of digital "tag" to payments made with Apple Pay. I'm open to correction by the smarter folks here.
