Apple Pay: frictionless

General

Finally got to try Apple Pay and it’s the most frictionless payment I have ever made. It happened almost at the speed of thought.

  • Sec 1: oh look, I can pay with Apple Pay
  • Sec 2: double tap on home button (fingerprint read simultaneously)
  • Sec 2: done

   
 The fact that this was also the most secure payment I have ever made at a terminal is just icing on the cake. My credit card is hard-bound to my physical phone (my CC number is not associated with anything in the “cloud”). A unique one-time use string gets generated and transmitted each time I initiate a payment. Even if Whole Foods gets hacked, hackers won’t find any CC numbers, or usable auth codes in their database.

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