Apple Pay Coming to Quiznos, Smashburger, and Other Restaurants With Integrated Loyalty Program

Punchh today announced that Quiznos, Smashburger, MOD Pizza, and select other restaurant brands in the United States will soon accept Apple Pay integrated with its cloud-based loyalty program for customers.


At participating restaurants, Apple Pay users will supposedly receive a push notification at checkout prompting them to add the restaurant's loyalty program to Apple's Wallet app. Once added, customers will automatically begin earning points and receiving specialized offers, which can be redeemed during future visits.

A spokesperson for Punchh said existing members of a restaurant's loyalty program can add it to their Apple Wallet as an NFC pass.

When a customer taps on the push notification, she will be presented with a form with pre-populated enrollment data, and can immediately enroll, according to Punchh. The customer can also opt-in to automatically select the "card" next time, and receive the pass in the Wallet app on iPhone.

Punchh's clients include more than 85 restaurant chains, such as Coffee Bean & Tea Leaf, El Pollo Loco, Moe's Southwest Grill, Pieology, Quiznos, and Smashburger, but it doesn't appear that Apple Pay support will be rolling out to every chain.

Punchh said Apple Pay eliminates the need to download a participating restaurant's loyalty app to start earning rewards or points. Restaurants will supposedly still be able to track items that customers purchase, however, including how much they paid, but no payment or personal information will be collected.

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MBNA Canada Now Supports Apple Pay

MBNA Canada, a division of TD Bank Group, today launched Apple Pay support for its MasterCard and Visa credit cards.


Multiple iPhone users have successfully activated an MBNA-branded credit card in the Wallet app today, as reported by iPhone in Canada.

Apple has also added MBNA to its list of Apple Pay participating issuers in Canada, accompanying TD Canada Trust, BMO, CIBC, RBC, Scotiabank, Tangerine, Desjardins, HSBC Canada, PC Financial, ATB Financial, Canadian Tire Financial Services, and non-bank-issued American Express cards.

MBNA Canada, which had 1.8 million active accounts when it was acquired by TD in 2011, primarily offers affinity credit cards associated with sports teams, universities, charities, and other groups, ranging from the Toronto Blue Jays and Vancouver Canucks to McGill University and the Canadian Wildlife Federation.

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Tags: Canada, MBNA

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PayPal CEO Doesn’t Think Apple Pay’s Peer-to-Peer Payments Update Will Hurt Venmo

In a new interview with The Telegraph, PayPal CEO Dan Schulman discusses a wide range of topics covering the origins of the company, its history with eBay, and potential competition with Apple in the peer-to-peer payments space. PayPal owns Venmo, one of the most popular P2P payments apps available today across iOS, Android, and the web, and Schulman cited this availability across various operating systems as a "powerful advantage."

Schulman said that many users have a variety of devices sold by different companies, and the ability for Venmo to be on all of them is where it will stand out from Apple Pay's upcoming P2P update, which will be able to send money through Messages only on Apple devices.

Image via The Telegraph
“We’re technology agnostic,” he said in an interview with The Telegraph. “Many individuals are [a] multi-operating system; they can have an Android phone, a Microsoft PC and an Apple tablet. You don’t want a different payment methodology on each of those things … you want a consistency across that.

“We try to offer a consistent value proposition, that’s end-to-end, across operating systems and device type. It’s a powerful advantage we have.”
PayPal and Venmo also control several parts of a payment process made through its apps, including risk assessment and customer protection. Shulman stated that the company owns "the full value proposition" of a payment made between users on Venmo, while Apple "can only provide what they hope is a good user interface."
Unlike Venmo, Apple’s service will not work on Android phones or Windows laptops, and whereas Apple has to work with credit card companies to make payments, PayPal controls several parts of the payments process, such as risk assessment and customer protection.

“We own the full value proposition, Apple can never do that because they don’t do the risk associated with it, they don’t do the onboarding, they can only provide what they hope is a good user interface. We try to provide that end to end value proposition and very importantly we do it across operating systems.”
Apple Pay's P2P update is set to launch this fall with iOS 11. During the announcement at WWDC, Apple said that when users get paid they will receive money in a new "Apple Pay Cash" account, which they can then use instantly to make a purchase using Apple Pay in stores or online, send as a payment to someone else, or transfer it from Apple Pay Cash to their bank account.

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Tags: PayPal, Venmo

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Apple Announces ‘Lose Your Wallet’ Apple Pay Shopping Event With Merchant Discounts in San Francisco

Apple has announced a special shopping event, called "Lose Your Wallet," to be held in San Francisco next weekend, on June 23-25, with a collection of discounts for Apple Pay users. In Hayes Valley and the Marina anyone who has Apple Pay set up on their iPhone or Apple Watch will be able to take advantage of the exclusive discounts and offers at a variety of merchants (via Apple Insider).

Some of the Hayes Valley merchants with exclusive Apple Pay offers running next weekend include Aether (get a free gift card), Smitten Ice Cream (take 25 percent off your order), Blue Bottle Coffee (take 15 percent off your order), Sugar ($5 martinis and beers), Double Decker (get large fries for $1), and more. The offers will be enacted immediately when users check out at each store with Apple Pay.


In the Marina, some locations participating include David's Tea (take 10 percent off and get free tea of the day), Ghirardelli (get a free chocolate pouch), Marina Deli (get a free cookie with a sandwich), Peet's Coffee (take $1 off all beverages), United Liquor and Deli (get a free cork puller with every bottle of wine), and more.

In total, twenty stores in Hayes Valley and sixteen stores in the Marina will have Apple Pay-related offers and discounts for users June 23-25. Check out Apple's new webpage for the "Lose Your Wallet" event to see the full list. The site also lists a few exclusive app and partner offers, including Caviar (take $5 off your order) and an invitation from Square to visit its pop-up on Hayes Street and in the Marina for more exclusive Apple Pay offers.

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Peer-to-Peer Payments Service ‘Zelle’ Debuts With Support From Major US Banks for Speedier Transfers

Last week at WWDC, Apple announced a new feature coming to Apple Pay that will let iOS users pay one another directly within Messages, placing the funds in a new "Apple Pay Cash" card that can then be transferred to a bank account or spent anywhere Apple Pay is supported. In addition to current competitors in the peer-to-peer payments space, including Venmo and Square Cash, a coalition of five U.S. banks are this week launching support for a new P2P payments service that promises speedier fund deposits, and support coming from more banks in the future.

The service is called "Zelle," and it will be rolled into the apps and websites of the banks supporting it, which will begin with JPMorgan, Bank of America Corp, Wells Fargo, U.S. Bancorp, and Capital One (via Reuters). Another two dozen banks and credit unions are predicted to join Zelle over the course of the next year. Zelle was originally announced last October.


Zelle's supporters are focusing on its ability to deposit funds "in minutes" into a friend's bank account, using only an email address or phone number, "because the banks are finally linking to each other." Apps like Venmo and Square Cash normally take up to one day to transfer money into a bank account, with potential for instant transfers available at additional costs.
The long-awaited network will allow tens of millions of bank customers to send money to each other instantly - known as person-to-person payments - with a few taps on their smartphones. That is an improvement over Venmo, which immediately alerts users that a money transfer is in progress, but takes time to shift funds between bank accounts.

"By coming together to offer Zelle, we are providing a large majority of Americans with a safe, fast and easy way to move money," said Bill Wallace, head of digital at JPMorgan Chase & Co (JPM.N), the biggest U.S. bank by assets.
Zelle was created by an industry consortium called Early Warning Services, whose CEO Paul Finch also cited payment service fragmentation as a major frustration for customers. Besides Venmo and Square Cash, even Facebook, Snapchat, and Google have their own peer-to-peer payments solutions, which Finch references as "inconsistent solutions."
“Fragmentation has been frustrating for consumers. Inconsistent experiences, have made it difficult to send and receive money between banks,” said Paul Finch, Chief Executive Officer, Early Warning Services. “Zelle unites the financial community behind a single, real-time P2P payments experience for millions of consumers. Together, we are removing friction from finance, allowing money to move seamlessly between accounts in minutes. This revolution in money movement will create for consumers a viable alternative to checks and cash.”
The banks supporting Zelle "are being careful not to confuse customers" with the introduction of another payments app, so it's said that a company like Chase will slowly introduce Zelle into its existing QuickPay app, calling it "QuickPay with Zelle." Later in 2017, Zelle will also allow customers with banks that don't connect with the service to use its instant payment features by pairing an upcoming Zelle app with a Visa or Mastercard debit account.

Zelle has a full list of banks and financial institutions launching support for the service, although it hasn't detailed which will be available first beyond the five banks mentioned today, and encourages users to check with their financial providers for more information.

Apple's own peer-to-peer payments solution will launch alongside iOS 11 this fall.

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Tag: Zelle

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Apple Pay Rumored to Arrive in Ukraine in Q2 2018

Apple Pay will continue its worldwide expansion next year, with a new report suggesting that Apple is planning to launch its mobile payments wallet in Ukraine in the second quarter of 2018. The news comes from PaySpace Magazine (via Tehnot.com) [Google Translate], which reported on the announcement of a new digital banking service, Alfa Digital, a division of financial institution Alfa-Bank.

During the announcement, Alfa-Bank Ukraine's head of e-business, Maxim Patrin, mentioned that Apple Pay is set to debut in Ukraine sometime in Q2 2018. Patrin's source of the news is said to come from an anonymous tipster in one of the payment systems currently in operation on the Ukrainian market.


Alfa Digital is said to be keeping a close eye on the Ukrainian debut of popular digital wallets like Apple Pay and Samsung Pay, and plans to support the addition of cards issued by Alfa-Bank into Apple Pay whenever it launches. Patrin didn't mention any further details about the launch.
In the second quarter of 2018 Apple Pay payment service can run on the Ukrainian market. This was stated by the head of "Alfa-Bank Ukraine" e-business, Maxim Patrin, citing an anonymous source in one of the payment systems that operate on the Ukrainian market.
Ukraine currently lacks Apple Pay, Android Pay, and Samsung Pay, instead relying on contactless payment solutions like Privat24 to let users pay for items using their smartphone. Samsung Pay is rumored to beat Apple Pay to Ukraine, with a potential launch of Samsung's mobile wallet sometime in the middle of 2017.

The latest Apple Pay launch took place in Italy in the middle of May, with users in the country able to add Visa and MasterCards issued by Boon, Carrefour, and UniCredit into their iPhone. Apple Pay is now available in the United States, UK, China, Australia, Canada, Switzerland, France, Hong Kong, Russia, Singapore, Japan, New Zealand, Spain, Ireland, and Italy.

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Apple and Visa Sued Over Digital Payment and User Authentication Technology Used in Apple Pay

Apple and Visa have been sued by a small company based in Boston this weekend, which claims that Apple Pay violates 13 patents that it holds related to digital payment systems and user authentication technology. The company behind the lawsuit, Universal Secure Registry, filed the complaint in a Federal District Court in Delaware on Sunday (via The New York Times).

According to the filing, USR chief executive Kenneth Weiss "was the first in the space, and the secure payment technology that he developed goes right to the core of Apple Pay." Specifically, Weiss' company is claiming that the 13 patents include details on authentication systems embedded in smartphones, biometric ID confirmation through fingerprint scanning, and the generation of secure, one-time-use tokens in financial transactions.


According to Weiss, he had "extensive meetings" with Visa in 2010 that centered around working together to introduce a mobile payments system into smartphones, which allegedly lead to Visa signing a 10-year nondisclosure agreement with Weiss and his company to be able to use the technology. Weiss said that Visa eventually "dropped further communication without securing a license," and that any inquiries he wrote to Apple in asking the Cupertino company to license his technology were never answered.

Then, Visa began working with Apple on a partnership that eventually lead to the debut of Apple Pay in 2014, which the lawsuit claims to have been built with the "willful infringement" of USR's patents. Weiss is now seeking damages in relation to Apple Pay and Visa's alleged patent infringement, represented by Quinn Emanuel Urquhart & Sullivan, which advised Weiss to file a suit before seeking a license agreement or royalties from Apple or Visa.
This suit seeks unspecified damages, but details the scope of the infringement, claiming, "since 2014 Apple's backend servers and Visa's payment processing network VisaNet, including Visa Token Service, have supported and processed transactions made using Apple Pay, including billions of Apple Pay transactions made in the United States."

"It is not uncommon for large companies to be unresponsive to outside suggestions for innovation or improvements to their product or technology," said Weiss. "Occasionally, these companies infringe patents and force a patent owner to file a lawsuit as the only way to financially benefit from the technology he invented."
Weiss founded Security Dynamics and invented the RSA SecurID token system, which is used to secure and authenticate important data sent by major companies, banks, and multiple branches of the United States government. USR is said to hold a portfolio of Weiss' patents related to the new lawsuit, and also including a few pending applications and foreign patents he has filed dating back to 2000.

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Tags: lawsuit, Visa

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Most U.K. Apple Pay Terminals Now Support Transactions Above £30

Most shop tills in the U.K. that take Apple Pay now accept mobile payments above £30, The Telegraph reported on Sunday. Jennifer Bailey, head of Apple's payment arm, said over half of contactless payment terminals in the country are now able to take Apple Pay transactions of any value.

Previously, most contactless card readers have adhered to the £30 upper limit, which is meant to prevent fraud when a pin isn't used. However, Apple's Touch ID approval system on iPhones and iPads provides the extra security to enable payments of any value.

The upgrades, which Ms Bailey said applied to hundreds of thousands of terminals, means shoppers in many places can make payments of any value without taking their wallet with them.
Apple Pay's ability to approve high-value payments could turn out to be a significant advantage over contactless cards, following some reports that mobile payments have struggled to gain traction among consumers. The mobile wallet also has to compete against rivals Android Pay and Samsung Pay.

However, Apple says Apple Pay transactions in the U.K. have grown by 300 percent in the last year, with 23 banks now supporting the service. "Our momentum has been fantastic. We're really excited about the progress," Bailey told the Telegraph.

Retailers in the U.K. now accepting the higher-value payments include supermarkets such as Waitrose and Sainsbury's, and restaurants including Pizza Express and Nando's.

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Tag: United Kingdom

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Apple Pay Officially Launches in Italy

Apple Pay is now available in Italy, and iPhone users in the country are able to add eligible credit and debit cards to the Wallet app for use with Apple's payments service in stores and online.

According to Apple's Italian Apple Pay website, Visa and MasterCards issued by Boon, Carrefour, and UniCredit can be used with Apple Pay in Italy. The site says support for additional banks will be added later this year.


Rumors of Apple Pay's expansion to Italy have been circulating for several weeks as Apple worked to add support for its payments service in the country, and the service has been listed as "Coming Soon" on the Apple Pay Italy site since March.

Apple Pay is available as a purchase option wherever contactless payments are accepted, with several official partners listed on Apple's website including Auchan, Autogrill, Eataly, LaGardenia, H&M, Leroy Merlin, Limoni, OVS, Simply Market, Unieuro, and more.

Along with Italy, Apple Pay is also available in the United States, UK, China, Australia, Canada, Switzerland, France, Hong Kong, Russia, Singapore, Japan, New Zealand, Spain, and Ireland.

Belgium, Germany, Taiwan, and South Korea could all see Apple Pay support in the near future based on current rumors.

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Apple Pay May Launch in Italy as Soon as Tomorrow

Apple Pay could arrive in Italy as soon as tomorrow, according to Italian tech blog MacPost.it. The imminent launch of Apple's mobile payment system in Italy has been rumored for several weeks now, but the website claims to have spoken to three different sources from the retail and banking sector who independently confirmed that Apple Pay is set to go live on Wednesday throughout the country.


The exact time of the launch remains unknown, according to the sources, but the general expectation is that Apple Pay will be announced in the morning. Meanwhile, in another indication of the impending launch, the Apple Maps app has started listing Apple Pay as "accepted" at certain retail outlets in Italy, as the following image provided by MacPost.it shows.


Last week, MacRumors noted that an Apple support document shows Italy highlighted on a map which is supposed to indicate Apple Pay participating banks and card issuers. Apple's regional Italian website has listed Apple Pay as "coming soon" since March. Now it looks like it may be only hours away. The contactless payment service is expected to be available in the country through UniCredit, Carrefour Bank, and Boon.

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Tag: Italy

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