Apple in talks to launch money-transfer service: Recode
28 Апреля, 2017, 02:17 | Author: Randy Kelley
The company has recently held discussions with payments industry partners about introducing its own Venmo competitor, according to multiple sources familiar with the talks.
The new peer-to-peer payment service, which could be coming later this year, would reportedly allow iPhone owners to send cash digitally to other iPhone owners.
Apple will announce the new service later this year, one source told Recode, while another told the website an announcement and launch date may not yet be set.
In addition to the reported payment service, Recode also learned that Apple is in talks with Visa about creating pre-paid cards that would run on Visa's debit network. Why would Apple want to do that?
Financial institutions, however, are anxious such a move would bolster Apple Pay at the expense of their own credit and debit cards, as the company could easily give priority to its payment method within the app while downplaying everything else.
Apple Pay continued its strong momentum, with the number of users more than tripling over the past year, and hundreds of millions of transactions and billions of dollars in purchases in the December quarter alone. Apple'smoney transfer service could give Apple Pay a boost, but only if users embrace the service in lieu of the other available options. While you can use it to pay for merchandise that you pick up in stores, or even purchase stuff online, for some unusual reason, the company did not see fit to allow people to transact between themselves.
Patently Apple covered two patent applications from Apple about potential new future financial services related to Apple Pay in 2015 and 2016.
Systems like Samsung Pay and Apple Pay generally rely on near-field communications and hardware to process payments.
For a little while, Apple's been going back and forth on whether to develop a money transfer system that's similar to existing apps such as Venmo and Square Cash.
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