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by clintonb 1327 days ago
I’m still not sure what the author thinks sucks about wallets like ApplePay or GooglePay. They are the most convenient options both online and in-person.

Unless I missed a paragraph, the author never describes and ideal alternative.
1 comments
ahopebailie 1327 days ago
On the contrary I think both products are excellent.

The issue I have is that we've taken 20 years to find a better alternative than raw card data in Web forms and as a result we're gonna be stuck with a choice of only those 2 wallets when we could have a had wallets as diverse as websites if we'd been able to work together on a solution that was appropriate to the Web platform.

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clintonb 1327 days ago
Can you share more of that vision? As a well-off US consumer, things are fine. It takes me seconds to pay in person. It takes seconds to pay online using either of the wallets or via almost-direct entry with 1Password.

I get that I/we have ceded control of funds flows to card networks like Visa and processors like Stripe. Even if I didn’t work for Stripe, I would be okay with this as a merchant due to the convenience.

What am I missing? What do you envision is better for consumers and/or merchants?

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