Converged Payments in Apple Pay

Although the topic "Converged Payments" didn't make it as a TPAC addenda item it is indeed alive and kicking.

Essentially "Converged Payments" is using the same payment device (and payment credentials) in as many payment situations as possible, ideally, using a single payment protocol as well.

Here is Apple's take on the iPhone + Mac/Web "combo":


With other Mac models

1. You need an iPhone or Apple Watch to confirm payments. Make sure that you're signed in with the same Apple ID on all your devices.
2. Make sure you've turned on Bluetooth on your Mac.
3. Tap the Apple Pay button.
4. Check your billing, shipping, and contact information to make sure that they're correct. To pay with a different card instead of your default card, click Expand menu icon next to your default card and select the card you want to use. You can choose credit and debit cards or Apple Pay Cash from any iPhone or Apple Watch that is nearby and signed into the same iCloud account.5
5. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information on your iPhone, so you won't need to enter it again.
When you're ready, make your purchase and confirm the payment.
6. iPhone X: Double-click the side button, then use Face ID or your passcode.
    iPhone 8 or earlier: Use Touch ID or your passcode.
    Apple Watch: Double-click the side button.
7. When your payment is successful, you'll see Done and a checkmark on the screen.


This trend is quite strong in Scandinavia where local mobile payment schemes have been developed with the goal offering "360 Degree Payments".

The thing that is most non-standard is the connection between the PC/Mac to the mobile payment device.


Received on Thursday, 27 September 2018 05:26:28 UTC