Apple Pay comes to the web

Apple Pay comes to the web

Apple is extending its payments service to the web, enabling shoppers that use its Safari browser to complete purchases by touching the fingerprint reader on their iPhones.

The new feature sees Apple move beyond instore and in-app payments to the web, where it will join the likes of PayPal in the quest to help online sellers reduce the still-high percentage of abandoned shopping carts.

When shopping at participating merchant sites through Safari, customers will see a 'Pay with Apple Pay' button at checkout. When they click the button a notice will pop up on the screen asking them to authenticate the purchase by either using Touch ID on their phone or the Apple watch.

Meanwhile, Apple Pay is also coming to new countries, arriving in France, Switzerland and Hong Kong within the next few weeks.

Comments: (6)

Nick Ogden
Nick Ogden - - London 13 June, 2016, 19:591 like 1 like

Once this has some traction and proof points on chargeback and refund volumes the merchant service charges for accepting Apple Web should fall dramatically for these transactions. It would be great to see some card scheme comments on this exciting trend? 

A Finextra member
A Finextra member 13 June, 2016, 21:23Be the first to give this comment the thumbs up 0 likes More rails ready for AppleBank to emerge.
Arjeh Van Oijen
Arjeh Van Oijen - Icon Solutions - Amsterdam 14 June, 2016, 09:231 like 1 like

With PSD2 coming up (in Europe) and that banks in other parts of the world are voluntarily starting to make customer account accessible via APIs for non-banks (Morgan Chase with Wallmart and Shell in US, several Chinese banks with WeChat Payments), there is no need for Apple to become a bank in order to provide the customer a seamless and instant payment service to the end user and merchants. I agree this development will create a major threat for the traditional card brands.

A Finextra member
A Finextra member 14 June, 2016, 09:281 like 1 like Do you think Apple cares about Customers - they want to make money. Holding and managing Deposits for Consumers, App Developers, Musicians and Media Content providers is where Apple will push into - they are laying the rails to ensure when the switch occurs it will be seamless.
A Finextra member
A Finextra member 14 June, 2016, 09:422 likes 2 likes

Good points from Matt Scott & Arjeh van Oijen. Few years from now, banks and card networks will never look the same as today. Many will disintegrate and some will disappear. At the same time, UX requirements are already on a different level and are racing ahead.

As yet, you still need cards in all non-bank API's. Thus, these are not the game changer although they try to pose as such.

The paradigm shift is coming with Chase Pay that makes do without any intermediary (cards or others). Hence a totally new customer insight and intimacy that admittedly still needs to be spread, leveraged and enhanced.

A Finextra member
A Finextra member 20 June, 2016, 11:39Be the first to give this comment the thumbs up 0 likes

I broke my Iphone 5 screen a while ago - In my case, the screen replacement process disabled the Touch ID function...I am told forever.... and this is a common problem, so until i replace my phone (i dont need a 6 yet) and all the other broken screen sufferers replace theirs, we are not Applepay customers..  As Apple watch is not prevalent, and the Mac/Safari is not exactly a mass market product in the non US world is Applepay/web really going to be that big?   Matt, you are right, Apple is not worried about customers,  they should worry about their reputation and the next big thing... Applepay does not look like it to me.