Another nice feature thing about Apple Pay (and maybe some others?) is automatic updating.
Some place I could not use Apple Pay with was involved in a breach, and so my bank notified me that I was getting a new card, and to start using it as soon as it came in the mail.
At about the same time as I got the email notice that this was happening, I got a notification on my iPhone that the card had been updating in Apple Pay to the new one. No action was required on my part.
I have no idea how they did that. I know there is a credit card updater service provided by at least Visa, MC, Discover, and AmEx that allows merchants with those cards on-file to ask for updates. We use that where I work, but the interface to it involves posting a file that contains one record per card we want updated in a fixed field format straight out of the punched char days (but wider than punched card). Then, typically in two or three days, a similar file comes back with update records for some of those cards. More updates trickle in that way over the next few days. And some never get a response.
Anyone know what it takes to get access to the kind of updates Apple is getting, where apparently the banks push the updates and they are very timely? Is this something only very high volume entities can get?
I think Google Pay does this too. Last time my debit card expired & a new one got issued, I went to replace the one stored in Google Pay; it was only in the fraction of a second between hitting the delete button & the card being removed that I noticed it had already automatically updated to the new number
I've come across this in the Stripe API as a standard feature of a lot of cards. I haven't had one do this myself, but I also haven't lost a credit/debit card.
As someone who uses Stripe for a SaaS product, this is an amazing feature. It means not having to email/call the client just because they got a new card, and instead billing keeps going as if nothing changed.
Some place I could not use Apple Pay with was involved in a breach, and so my bank notified me that I was getting a new card, and to start using it as soon as it came in the mail.
At about the same time as I got the email notice that this was happening, I got a notification on my iPhone that the card had been updating in Apple Pay to the new one. No action was required on my part.
I have no idea how they did that. I know there is a credit card updater service provided by at least Visa, MC, Discover, and AmEx that allows merchants with those cards on-file to ask for updates. We use that where I work, but the interface to it involves posting a file that contains one record per card we want updated in a fixed field format straight out of the punched char days (but wider than punched card). Then, typically in two or three days, a similar file comes back with update records for some of those cards. More updates trickle in that way over the next few days. And some never get a response.
Anyone know what it takes to get access to the kind of updates Apple is getting, where apparently the banks push the updates and they are very timely? Is this something only very high volume entities can get?