关于即将到来的 Apple Pay,你需要知道这些

关于即将到来的 Apple Pay,你需要知道这些

Apple Pay

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。

苹果官网上关于 Apple Pay 隐私性的描述
苹果官网上关于 Apple Pay 隐私性的描述

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。



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。




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。

出现以上任意标志,即可使用 Apple Pay 进行支付
出现以上任意标志,即可使用 Apple Pay 进行支付

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。

《关于即将到来的 Apple Pay,你需要知道这些》有1,416条留言

  1. I am writing to let you be aware of what a brilliant experience my girl obtained reading through your webblog. She discovered too many pieces, which include what it is like to have a marvelous coaching style to have other folks without hassle fully understand several complex subject matter. You really did more than our expectations. I appreciate you for presenting the practical, trusted, edifying not to mention easy tips on this topic to Tanya.

  2. I wish to show some thanks to the writer for bailing me out of such a setting. Just after surfing around throughout the world wide web and obtaining notions which were not powerful, I believed my entire life was done. Existing without the presence of answers to the issues you have resolved by means of your good guide is a serious case, as well as the ones that might have negatively damaged my entire career if I had not noticed the blog. Your primary capability and kindness in handling all the pieces was very helpful. I am not sure what I would have done if I hadn’t discovered such a stuff like this. I can at this point relish my future. Thanks a lot so much for the skilled and effective guide. I will not hesitate to recommend your web site to anybody who will need assistance about this area.

  3. For most up-to-date news you hav to visit world-wide-web and on the
    webb I found this sitee as a finest web page ffor most up-to-date updates.

  4. I’m just commenting to let you be aware of what a really good experience our girl developed going through your blog. She picked up so many things, including how it is like to have an ideal giving nature to get most people quite simply learn some tortuous things. You actually surpassed her expected results. Thank you for rendering those helpful, healthy, informative and easy tips about your topic to Ethel.

  5. I loveI really likeI enjoyI likeEveryone loves what you guys areare usuallytend to be up too. This sort ofThis type ofSuchThis kind of clever work and exposurecoveragereporting! Keep up the superbterrificvery goodgreatgoodawesomefantasticexcellentamazingwonderful works guys I’ve incorporatedaddedincluded you guys to myourmy personalmy own blogroll.

  6. I needed to put you the very small remark to help give many thanks the moment again with your remarkable tips you have featured on this page. It’s quite extremely generous of people like you giving freely all many individuals would have made available for an ebook to earn some money for their own end, specifically considering that you could possibly have done it in case you desired. Those tactics likewise acted to become easy way to be aware that other people online have the identical keenness really like mine to realize many more on the topic of this condition. I am certain there are a lot more pleasant instances in the future for people who browse through your website.

  7. Usually I do not comment in your weblog. I am additional in the silent sort but I wonder, is this wordpress since I am thinking of switching my own blog from blogspot to wordpress.