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。
Nice read, I just passed this onto a friend who was doing a little research on that. And he just bought me lunch because I found it for him smile Therefore let me rephrase that: Thank you for lunch!
Very well written story. It will be helpful to everyone who employess it, including myself. Keep up the good work – i will definitely read more posts.
Thanks for the sensible critique. Me and my neighbor were just preparing to do some research on this. We got a grab a book from our local library but I think I learned more from this post. I’m very glad to see such magnificent information being shared freely out there.
Just wanna comment that you have a very decent site, I enjoy the style it really stands out.
I have been examinating out many of your stories and i must say nice stuff. I will make sure to bookmark your site.
HelloGood dayHeyHey thereHowdyHi thereHello thereHi! I could have sworn I’ve been to this siteblogwebsite before but after readingbrowsingchecking through some of the post I realized it’s new to me. AnywaysNonethelessAnyhow, I’m definitely gladhappydelighted I found it and I’ll be bookmarkingbook-marking and checking back oftenfrequently!
I do not even know how I ended up here, but I thought this post was great. I do not know who you are but definitely you are going to a famous blogger if you aren’t already 😉 Cheers!
Very interesting topic, thanks for posting.
My brother suggested I might like this web site. He was totally right. This post actually made my day. You cann’t imagine simply how much time I had spent for this information! Thanks!
I have been absent for some time, but now I remember why I used to love this site. Thanks , I¡¦ll try and check back more often. How frequently you update your site?
You are my aspiration , I possess few web logs and often run out from to post .
I’ve recently started a web site, the info you provide on this site has helped me tremendously. Thanks for all of your time & work. “The only winner in the War of 1812 was Tchaikovsky” by Solomon Short.
You have brought up a very great points , appreciate it for the post.
Pretty section of content. I just stumbled upon your web site and in accession capital to assert that I get in fact enjoyed account your blog posts. Any way I will be subscribing to your feeds and even I achievement you access consistently fast.
I enjoy you because of all your valuable effort on this web page. My niece take interest in engaging in investigation and it’s obvious why. A lot of people learn all about the lively mode you offer vital tips and tricks on the web blog and as well strongly encourage participation from visitors on this point so our girl is without question being taught a great deal. Have fun with the rest of the new year. You are always performing a remarkable job.
It’s perfect time to make some plans for the future and it’s time to be happy. I’ve read this post and if I could I wish to suggest you few interesting things or advice. Maybe you could write next articles referring to this article. I desire to read more things about it!
I actually wanted to send a brief note so as to thank you for some of the precious strategies you are writing here. My rather long internet search has at the end been compensated with professional details to exchange with my classmates and friends. I would repeat that many of us visitors are really blessed to be in a magnificent site with very many awesome people with useful plans. I feel pretty fortunate to have come across your webpages and look forward to so many more excellent times reading here. Thanks a lot again for a lot of things.
As I site possessor I believe the content material here is rattling excellent , appreciate it for your efforts. You should keep it up forever! Best of luck.
you’re actually a good webmaster. The website loading velocity is amazing. It sort of feels that you’re doing any distinctive trick. Also, The contents are masterwork. you’ve done a magnificent activity on this topic!
Nice blog here! Also your site loads up fast! What web host are you using? Can I get your affiliate link to your host? I wish my web site loaded up as fast as yours lol