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As a consumer, I want ease of use and safety.

I don’t want to be bothered with a menu in-app on if I want to pay through Apple Pay or through PayPal or some other proprietary custom service. I just want to pay using the cards I have already added onto my phone’s wallet. Who handles the transaction behinds the scene is of no importance to me. The important thing is that it is handled.

I don’t want the app to bounce me out into Safari where I login to another service just to pay. I don’t want the app to open an in-app browser for me to enter my credit card information to pay.

I want a standardized, system-level integrated payment screen like what iOS currently does. I want it to be standardized and system-level integrated because I don’t want to have to think if the website or app is launching me to a phishing or scam page. I want this screen to tell me clearly how much I owe, who I owe it to, and let me choose how to pay for it by selecting one of the cards I’ve added to my wallet or an option to pay one-time with a card (that doesn’t get saved to the wallet) ad hoc.

I don’t care if the payment goes through Apple Pay, or Stripe, or Walmart Pay, or whatever. If Walmart is insistent on processing payments through Walmart Pay, then I want to just simply scan my phone’s NFC wallet and have Walmart Pay take money from the default credit card I have attached to my wallet app.




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