RE: Web Payments Demo

An example that immediately springs to mind might be Paypal as a payment application – which might itself contain multiple payment methods (credit card, debit card, direct credit transfer from bank account). Payment method ≠ payment application. (Other examples of payment applications – Android Pay, Apple Pay, Visa Checkout, Masterpass…)


>> I think the UI should not only show the one payment method that the browser (based on internal heuristics I guess) decides on its own should be the default displayed,

>>  and bury the rest of payment-method choices in a select menu or other UI that requires the user manually activate a disclosure triangle or other UI widget to see what payment methods they can use.

The other observation I’d make on Mike’s comments would be to flag a huge concern over the default payment app/method. Payment providers spend (in the case of Visa and Mastercard) Billions of dollars a year making sure that their payment instruments are front of wallet. I think “burying” the other choices will make getting support for adoption from these providers pretty difficult. I am anticipating that the prioritisation of payment applications and payment methods will be one of our most challenging design issues.

Nick

From: Rouslan Solomakhin [mailto:rouslan@google.com]
Sent: 27 May 2016 16:54
To: Adrian Hope-Bailie <adrian@hopebailie.com>
Cc: Michael[tm] Smith <mike@w3.org>; Tommy Thorsen <tommyt@opera.com>; Ian Jacobs <ij@w3.org>; Web Payments Working Group <public-payments-wg@w3.org>
Subject: Re: Web Payments Demo

On Fri, May 27, 2016 at 6:57 AM Adrian Hope-Bailie <adrian@hopebailie.com<mailto:adrian@hopebailie.com>> wrote:

  *   How the selection of a payment method is done by a payment app will depend on the payment method. We shouldn't assume that it always means selecting a payment instrument. That is a very card-centric way of seeing things.
What alternatives are there besides selecting a payment instrument? Please elaborate.
This e-mail and any attachments are confidential, intended only for the addressee and may be privileged. If you have received this e-mail in error, please notify the sender immediately and delete it. Any content that does not relate to the business of Worldpay is personal to the sender and not authorised or endorsed by Worldpay. Worldpay does not accept responsibility for viruses or any loss or damage arising from transmission or access.

Worldpay (UK) Limited (Company No: 07316500/ Financial Conduct Authority No: 530923), Worldpay Limited (Company No:03424752 / Financial Conduct Authority No: 504504), Worldpay AP Limited (Company No: 05593466 / Financial Conduct Authority No: 502597). Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AF and authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 for the provision of payment services. Worldpay (UK) Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities. Worldpay B.V. (WPBV) has its registered office in Amsterdam, the Netherlands (Handelsregister KvK no. 60494344). WPBV holds a licence from and is included in the register kept by De Nederlandsche Bank, which registration can be consulted through www.dnb.nl. Worldpay, the logo and any associated brand names are trade marks of the Worldpay group.

Received on Friday, 27 May 2016 16:38:02 UTC