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.
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