关于即将到来的 Apple Pay，你需要知道这些
自去年 12 月苹果官方放出其与中国银联达成 Apple Pay 合作的新闻稿之后，社交媒体上有关 Apple Pay 的各种传言一直都没有停过。
根据微博账户@PCINLIFE 最近发布的一条微博显示，Apple Pay 的上线日期极有可能是 2 月 1 日或 5 日。而此前，该账号曾预测 Apple Pay 的上线日期为 1 月 19 日。
截至目前，与苹果签署合作协议的各大银行已经为 Apple Pay 上线做好了准备，它们需要做的只剩等待苹果公司的服务上线指令。
Apple Pay 是苹果公司推出的移动支付服务，用户只需将银行卡与 iPhone、iPad 以及 Apple Watch 绑定，即可通过指纹授权的方式，无需密码（若银行卡未开通小额支付免密功能，依然需要输入密码）进行安全便捷地进行支付。在支付的同时店员不会知道顾客的姓名等信息，苹果公司也无法查看到加密的交易信息，所以在隐私保护方面也比较可靠（官方介绍请戳这里）。目前 Apple Pay 已在美国、英国、加拿大和澳大利亚推出。
不过由于 Apple Pay 涉及金融系统和银行交易领域，出于国内政策以及监管方面的考虑，苹果不得不选择与中国银联进行合作，将 Apple Pay 带入中国，而后者将通过 Apple Pay 进一步推广银联云闪付服务。
网友分享的 Apple Pay 使用演示视频
其实早在 2014 年 Apple Pay 发布之时，苹果就计划将其推广至中国，同年年末传出了苹果与银联进行商谈的传闻，不过一直没有确切的消息。 直到 2015 年 9 月份，一家名为“苹果科技服务有限公司”的企业出现在上海自贸区，经营范围是科技咨询、支付系统整合等。
现在，苹果中国官网上，Apple Pay 的合作银行从最初的 15 家增加到了 19 家，包括中国银行、农业银行、招商银行、建设银行等国内主要银行。
从 2015 年开始，支付宝和微信支付几乎已经成为国内大多数人群的必备移动方式，目前这两项服务的使用人数分别为 2.7 亿和 2 亿，已经追上了中国的信用卡用户数。
不过 Apple Pay 与大家所熟悉的支付宝与微信存在着一定的区别，而这其中的差异也成为了 Apple Pay 能否在国内的移动支付领域迅速占领一席之地的关键所在。
只有苹果用户才能使用，使得 Apple Pay 的使用人群受到限制
Apple Pay 是苹果推出的服务，与 Apple Music 那样能在其他平台使用的软件服务不同，Apple Pay 高度依赖硬件，需要与苹果自家产品配合才能使用。其次，用户手中的 iPhone 必须是 iPhone 6/6 Plus 及以上配备了 NFC 模块的设备才可进行店内支付。而对于仅支持 App 内支付的 iPad，用户也只能在比较新的如 iPad Pro/Air 2/mini 4 等设备上使用 Apple Pay。
这些限制在一定程度上阻碍了 Apple Pay 的发展。
同时，使用习惯也是一大因素
在支付宝与微信上，人们可以绑定银行卡进行生活缴费、线上线下购物、发（抢）红包等等。就目前而言，Apple Pay 除了能帮用户在不支持支付宝和微信的线下购物场景中，免除掏钱包找信用卡的麻烦外，似乎没有更大的优势。而对于大多数用户来说，掏出手机→解锁→打开支付宝/微信这套流程似乎已经成为了购物时的标准化动作，毕竟改变习惯还是比较困难的。
而至于能否大范围推广，最重要的还是商家的支持
想象一下你在某家电商网站上选好了商品，正准备支付，却发现没有适用的支付方式的情景，是多么打击人的一件事。
随着移动支付的发展，如今国内大部分商家都支持支付宝和微信等移动支付方式，而像 App Store、在线游戏商城 Steam 等都已支持以人民币结算的支付方式，亚马逊中国甚至还开通了支持人民币付款的海淘专区。而当这些平台开通了更方便的支付通道后，消费者则更容易“买买买“，商家的营业额也增加不少，可见支付方式的重要性。
所以，如果线下商家支持了 Apple Pay 这一支付方式，对于苹果来说绝对是值得高兴的事。当然，这也一定是苹果正积极努力推进的事情，或许 Apple Pay 迟迟没上线，就是因为苹果还在与商家洽谈。毕竟对于消费者而言，陆续增加的服务区域与一开始就广泛支持的商家相比，显然后者更容易令其满意。
相应地，Apple Pay 普及后，也会在一定程度上带动苹果硬件产品的销量，从这一点上，我们能看到苹果的野心。
若传言属实，距离 Apple Pay 上线也没剩多久了。上述提及的观点仅仅是提供一个参考，而至于 Apple Pay 能不能在国内迅速推广开来，广大消费者的接受如何， 还要看其上线后的表现。不过从已经上线服务的美国的情况来看，从银行、商家支持 Apple Pay 到用户、商家主动使用 Apple Pay，还有一段不小的距离，而面对支付宝和微信等的挑战，Apple Pay 进入中国后的发展之路并不轻松。
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