[callalex]

My pet theory is that transitioning to wireless payment also opens up user expectations for the vendor to participate in way more payment networks than just Visa/MC/Discover/AmEx. If you have a wireless reader but no agreement with Apple Pay, or Google Pay, or Samsung Pay, or WePay, or WhateverSomeNewMBACrap users will start putting in reports that the reader is “broken”.

[yakkers]

I’ll absolutely admit knowing very little about the nuances of payment networks in the US, particularly with contactless —- but my experience (in Australia) is that payment terminals that support contactless inherently support Apple/Google/etc Pay, even if the payment terminal is unaware of those things, in which case the transaction will work the same as a contactless card transaction (e.g. transactions >$100 require PIN).

[hackmiester]

You don't have to have an agreement with Apple or Google to accept Apple Pay or Google Pay. If the customer holds a Visa then the phone presents a Visa to the reader. There is no special thing you have to do to accept those payments.

[huslage]

Unfortunately that's not how it works. There is a protocol at the payment processor for Apple Pay (at least) that has to be followed so that the device card number (not the card number on your card and not a "virtual card") is tied to the correct account. It's a whole thing. Most POS systems ship with support for it at this point. And you have to sign some sort of agreement so that you are compliant.

https://www.forbes.com/advisor/business/how-accept-apple-pay...

[hackmiester]

[first bit removed because I was wrong]

I imagine it is possible to do something wrong at the processor to make this not work, due to the device card number shenanigans you mention. But, are there really still processors who still do it wrong? The device card number is associated at the issuing bank, not at the processor (unless I am missing something).

[vanchor3]

I think that's just EMV tokenization, not something exclusive to Apple Pay.

[havaloc]

This is true in theory, but I can think of one grocery store (rural, admittedly) where Apple Pay doesn't work, but tap does.