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Apple Pay再添新功能 正面迎战PayPal

昨晚,一年一度的苹果开发者大会在加利福尼亚州圣何塞如期召开。

在本次大会上,苹果公司宣布Apple Pay将新添P2P支付功能,同时还将内嵌至Messages应用中。也就是说,用户在发消息的时候也可以同时完成转账(类似于微信转账/红包)。据悉,苹果系统用户可以在最新的iOS 11版系统中使用上述功能。

此外,苹果公司本次还推出了Apple Pay Cash服务。这是一种数字借记卡服务,允许P2P支付收款方将收到的款项转账到绑定的银行卡中,或者在相关的电商和实体店铺中进行消费。

Venmo是美国第一个广泛使用P2P支付的企业。2013年,Venmo公司被PayPal收购,这项功能也就成为了PayPal支付的一大特色。此外,类似Square、Circle和Snapcash等移动(支付)平台也在此后陆续添加了这一功能。尽管拥有3.75亿的用户,但是苹果公司在推广Apple Pay的P2P支付功能方面显然有些落后。

不过苹果公司对此好像并不担心。苹果公司软件工程高级副总裁Craig Federighi表示,苹果公司的用户基数无人可及,按照现在的速度估算,今年底前应该至少有一般的美国零售商家会提供Apple Pay服务。

Apple is adding person-to-person payments to Apple Pay and integrating the technology into Messages, the company announced today at its Worldwide Developers Conference in San Jose, California.

Venmo first popularized P2P payments, which became a feature of PayPal when it bought the company in 2013. Square added the feature through Square Cash, while other apps like Circle and Snapcash embraced the feature. Apple has been slow to bring P2P payments to Apple Pay, despite the 375 million users who have access to the app.

That will change with iOS 11. Apple is introducing the P2P payments feature into iMessage, so users can more easily send money to friends they are messaging with. During a chat, for example, machine learning technology will detect a mention of payments and include an Apple Pay button on the keyboard.

Apple also announced Apple Pay Cash, its own digital debit card that lets recipients of P2P payments transfer the cash to a bank account or spend it at ecommerce sites and physical retail stores.

Despite its late entry into P2P payments, Apple now poses a real threat to PayPal’s Venmo, Square, and others. Apple Pay is huge: Craig Federighi, Apple’s senior vice president of software engineering, said that half of U.S. retailers will offer Apple Pay by the end of the year.


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