After the United States, Canada, Australia, the UK and China, Apple Pay landed this Tuesday, July 19 in France. This mobile payment service developed by the Cupertino company to adjust its purchases at merchants from an iPhone last generation (6, 6 S and SE) or a recent iPad. In practical terms, to use Apple Pay, you must pre-register their bank details in his “wallet” or if they are already stored on iTunes, add it to the application with a secure number. When paying, the NFC antenna (Near Field Communication) integrated with the iPhone or iPad to communicate with the merchant contactless reader. To validate the transaction, the iPhone owner must then use the “Touch ID” function by placing his finger on his phone which recognized his fingerprint. Unlike contactless payment with a credit card, there is no limit to amount to 20 euros.
The arrival of Apple Pay should give a boost to the payment by smartphone, still rare in France, where the credit card is queen. Indeed, Samsung Pay, Pay Android using Android, will soon be available in France, before perhaps Google Wallet and PayPal Mobile. These solutions will be added to that already launched by Orange in October 2015 on Android and Windows Phone. Orange Cash boasts 200,000 customers and has already announced that it would also incorporate Apple Pay in its application by the end of the year. Finally, Paylib, the online payment solution created jointly by BNP Paribas, Société Générale, Banque Postale, Crédit Agricole and Crédit Mutuel Arkéa, which aims to compete with PayPal since 2013, will integrate in the coming months an offer of payment contactless store, but this time from any mobile.
Who finally out from the crowd? He will pay via mobile attract consumers or will they show resistance? To see more clearly in this emerging market with strong potential, Challenges interviewed Eric Carpenter, founder of Morning (former Payname), a FinTech offering a payments platform and prize pools between individuals and pivoted in September to become a neo -online bank.
What do you think Apple Pay?
Actually, we expected. We will launch in late September a New bank and we have chosen to use Apple Pay for payment via mobile our credit card in partnership with MasterCard.
We have seen many players go into the payment via mobile but there can be, in my opinion, other winners that GAFA ( stands for Google, Apple, Facebook and Amazon, note ). Indeed, it requires a lot of resources to build such a standard, deploy and impose as few people are still ready to use the moment. startups that use the contactless payment with QR code do not seem serious to me. We need a reliable technology, secure, so a very technological society like Google, Apple or Samsung.
Is it reassuring for consumers to see a multinational company like Apple will launch in the payment via mobile?
I think what will chiefly reassure people is seeing their bank offer them to use Apple Pay. For now, only the Populaires-Caisses d’Epargne Banking group ( Crossroads Bank also, note ) is a partner and therefore enables customers to use Apple Pay. Because in any case, Apple Pay is still a credit card encapsulated in mobile. There must have the services of a bank with a credit card behind. That’s what counts.
Do you also watched the Orange Cash or soon Paylib solutions?
Paylib already 10 years behind PayPal. They are also behind mobile payment. We have however watched by Apple Pay commissions.
Do you think the payment via mobile will take off in France?
If you believe Twitter, the whole world will adopt Apple Pay. But in reality, we find to our 60,000 customers a great reluctance to contactless. We will also propose an option on the credit card to disable the contactless. Because people are quite unhappy in general to see that their card has this option without asking. They live the evil to be imposed this technology. Thus there is a real willingness of people to control their payments and manage their money. Now pay without entering the code, or even out his credit card contrary to the idea. Moreover, they are afraid of fraud as every time a new technology comes out payment. In fact, the credit card still has good days ahead.
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