Apple faces potential class action lawsuit in the US over Apple Pay anticompetitive practices

19 July 2022
Apple allegedly "coerces" users of its phones, tablets and watches to use Apple Pay, which leads to excess fees for card issuers and reduced security for consumers. 

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  • Anonymous
  • IWP
  • 23 Jul 2022

At the end of the day, if they end up paying billions, they'll just pass it on to the consumers as all businesses do, except that they can raise prices by a lot more and their customers will still be willing to pay for it.

    Bebochekov, 20 Jul 2022Ha, that's really funny. I have a cheap Samsung A71 an... moreOlder Samsungs could emulate a card swipe so they worked even with old POS terminals that only had a magnetic (swipe) reader.

      SShock, 20 Jul 2022Um, I DID. And it was terrible. It was just failing constan... moreWell ours works well and I am happy with it :)

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        • Humaid
        • ak3
        • 20 Jul 2022

        I don't understand how Apple charges the user. In my country, the banks will charge the outlets.

        Anyways, we have a local payment company that found a solution to have NFC payments enabled for both Android & iOS.
        They are using some sort of tags, that you tap with your mobile device. The tag will be connected to a POS.
        Still waiting them to launch after getting regulated by the central bank.

          SShock, 19 Jul 2022Ah yes, access to NFC. I had that on Android via my bank�... moreHa, that's really funny. I have a cheap Samsung A71 and use Samsung Pay for just about everything without problems. Last summer I was with a friend who gas an iPhone and we were in this small shop. I took out my phone to pay and he said "Your phone won't work here, they don't have the right device for that" I just held out my phone while smiling at him, as the payment went through. My Samsung Galaxy A71 and Samsung Pay work everywhere, while Apple pay and iPhones don't.

            SShock, 19 Jul 2022Huawei has been caught several times in theft of technologi... moreThere is doubt on that info, no concrete proofs.

              Here in Brazil almost all banks, debit and credit cards and fintechs are compatible with all big three digital wallets Apple Pay, Google Pay and Samsung Pay, I use SPay since I own a Samsung phone, but in my old Motorola I used GPay, I like the Samsung Pay more because it's the only one to offer a rewards program, I get to choose what wallet I want to use, Apple doesn't give any other option.

              I agree that Apple should open the NFC for third party apps so the user get to decide what service to use, if that happened for sure Google and Samsung would launch their wallets for iOS, on the other hand Apple could launch Apple Pay for Android too.

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                • AnonD-1034750
                • 2Bk
                • 20 Jul 2022

                LMAO..lawsuits like these always aimed at Apple are just so comical. Are banks actually complaining here or these law firms just trying to once again squeeze money out of a multi trillion dollar company?

                Seriously, they want access to Apple’s customer base/market but now refusing to pay the fee? Crying it’s “monopolistic”…Apple created their market from scratch, they know their customer base is inarguably more valuable than Androids in terms of sheer average purchasing power. The other choice is Android, end of. Why are they forcing Apple to open up?

                  Darknoor, 20 Jul 2022We have a third party service on our bank cards, almost all... moreUm, I DID. And it was terrible. It was just failing constantly. It did communicate with POS and then just crap out for whatever reason.

                    SShock, 19 Jul 2022Ah yes, access to NFC. I had that on Android via my bank�... moreFor the past 6 years, in my country, there was no widespread payment system available a la Apple Pay. The only available system was from a single bank and of course it worked only on Android devices and it worked just fine. To this day, people in many countries still have to wait for Apple Pay to support at least one of their local banks to be able to use their iphone for payments.

                      SShock, 19 Jul 2022Ah yes, access to NFC. I had that on Android via my bank�... moreWe have a third party service on our bank cards, almost all banks use it, and with the NFC on Android I had an iphone-like experience. I just turn on NFC and pay (I keep it off to save battery and because I do carry my card anyway just in case)

                        SShock, 19 Jul 2022Um, did you actually read what I said? I used "wonderf... moreYour opinion has nothing to do with lawasuit though. By your logic if Apple make Good game then All game developer should be banned in Apple store too.

                          Mr.Polska, 19 Jul 2022Didn't Apple do the same in multiple cases? Apple stea... moreThere is a difference between outright stealing stuff through corporate espionage and having whatever patent disputes they had back then.

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                            • Mr.Polska
                            • 0Zi
                            • 19 Jul 2022

                            SShock, 19 Jul 2022Huawei has been caught several times in theft of technologi... moreDidn't Apple do the same in multiple cases? Apple stealing technological inter for their Siri assistant from Motorola Mobility in 2012 for example? Just shows we are all equal, yet some appear to be more equal then others.

                              Mr.Polska, 19 Jul 2022You must be rather incompetent in using your phone, oe you ... moreSo, you're just outright dismissing my crap experience that I had with 3rd party accessing "open" NFC function for payment because it "works for you" and then you go on and talk about Google Pay and how wonderful it is. You do realize you're literally praising a first party thing that's the same exact thing as Apple Pay. Right? But that's fine because NFC is open so all is fine. Even though 3rd party solution was awful and Google Pay isn't even officially supported in my country while Apple Pay is.

                                • M
                                • Mr.Polska
                                • 0Zi
                                • 19 Jul 2022

                                SShock, 19 Jul 2022Ah yes, access to NFC. I had that on Android via my bank�... moreYou must be rather incompetent in using your phone, oe you had a an awfull phone. Paying with NFC workls flawlessly for over 3 years in both Poland and The Netherlands, aswell as Germany, France, Italy, Spain... you get the point. Works without internet, on multiple phones or smart watches. And with the increasing support of Google Pay, there is literally no point in going back.

                                  Hemedans, 19 Jul 2022This lawsuit has nothing to do with card system though. Its... moreUm, did you actually read what I said? I used "wonderful" and "open" NFC on Android phone for payment in stores which was accessed through NFC app from my bank and it was utter unreliable garbage. Apple Pay on the other hand, works flawlessly every single time.

                                  Only Apple doing it means they always do it exactly as it should be done and makes sure with payment processors that it works well. All 3rd parties using NFC externally don't really give a damn or they don't have resources to do it like Apple. You can call it monopoly and unfair all you want, but you can't deny it just works better because of tight and reliable control over the service.

                                    SShock, 19 Jul 2022Oh boy how quickly people rush to bash Apple and they don&#... moreThis lawsuit has nothing to do with card system though. Its about NFC hardware in iphone, Only Apple can use it for Apple pay, other developers are not allowed to create alternative to compete with Apple.

                                      Mr. Anonymous, 19 Jul 2022Looking forward to Apple paying a huge fine and finally pro... moreAh yes, access to NFC. I had that on Android via my bank's app. And it was god awful. It was so unreliable I had to carry a credit card with me unless I wanted to look like an absolute clown at the checkout because phone for whatever reason failed to chit chat properly with the POS terminal. Apple may have NFC locked to themselves, but at least the damn thing works unconditionally reliably. It just never fails and that's pretty important thing.

                                        Looking forward to Apple paying a huge fine and finally providing access to NFC on iOS devices as it is done currently on Android.

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