Visa leads to work with Apple to launch Apple Pay in Europe next year. In the USA, the service will be available for users of new smartphones since October of this year. Contactless payment technology based on chip NFC, built-in iPhone 6, iPhone 6 Plus and Watches Watch, was developed in conjunction with leading brands - Visa, MasterCard and American Express.
According to Astera , a difficult task output Apple Pay the European continent will be eliminated by installing a 1.5 million terminals Visa contactless payments in stores across the continent.
Pedro Sousa, head of contactless and mobile payments Visa, said the company does not have a confirmed date of launch of Apple Pay, but the service will be in Europe in 2015. In practice, this means that customers of Visa and Apple will be able to add their information from credit and debit Visa cards in smartphones iPhone 6. After this device can be used for contactless payments in stores or online payment "one-touch".
Steve Perry, senior director of digital units Visa Europe, believes that the way Apple's segment of contactless payments is a turning point for the company and for the system of mobile payments. Perry also mentioned that Apple's decision to enter the market reflects the "scale of opportunity" of digital payments.
Perry supported the view of Sousse, adding also that Apple has combined mobile and digital payments into a single, easy-to-use service, attractive to both consumers and businesses.
Sousa explained that Apple Pay identification service uses Visa, replacing credit card near other identification numbers without compromising financial, which improves safety. These "identification" numbers stored in memory chip Secure Element in the new iPhone, and are not stored in the memory of the mobile device or in the cloud Apple.
In fact, teaming up with Visa, Apple made Apple Pay a user-friendly and highly secure mobile payment services. Sousa believes that Apple was able to achieve this through the use of "a combination of physical and electronic payments," as well as the creation of services in conjunction with their devices, rather than the creation of Apple Pay as added services.
In contrast to it, the equivalent NFC payment services on Android, Google Wallet, has been developed as a function, to be connected to a variety of devices running Android. Lack of market penetration indicates that Google's approach could not satisfy the needs of users.