[kalmi10]

I remember reading that card transactions have different costs aspects for the parties involved depending on if the card is actually physically present at the time of purchase. And iirc Apple managed to convince the banking sector that Apple Pay is equivalent to chip card security, so that they get better rates.

According to reddit, Apple Pay works on jailbroken devices, but still, something like this might be at play in all the other similar scenarios.

[ValentineC]

> According to reddit, Apple Pay works on jailbroken devices, but still, something like this might be at play in all the other similar scenarios.

I can confirm that Apple Pay works on my jailbroken devices, and as far as I can tell, no jailbreak has managed to affect the Secure Enclave.

[SXX]

   > And iirc Apple managed to convince the banking sector that Apple Pay is equivalent to chip card security, so that they get better rates.

As far as I aware that's because Apple actually have hardware-backed implementation so tokens (or signatures or whatever, I honestly have no idea how they called for NFC payments) are generated on iPhone itself. Google on other side just keep few tokens on Android device, but they are actually pre-generated on Google servers.

[dzhiurgis]

Interesting. In NZ about 5-10% of places seem to disable contactless payments in an effort to cut costs (most corner shops), while chip+pin works for as little as $1 payment.