iOS 12.3 might look like a minor update, but Apple Pay has gotten a major under the hood overhaul. It feels like Apple is pulling all the different NFC technology threads together into one tight knot in advance of iOS 13: Apple Pay Suica performance is stellar and finally bug free, the beta label on China transit cards which had been there since iOS 11.3 is finally gone, the Wallet UI has been revamped for Apple Card which Apple employees just started receiving with more changes coming, and we have the new EMV Express Transit option which uses a payment card (credit/debit cards) designated for Express Transit mode on Portland TriMet.
In case you have not noticed, Apple Pay Transit support pages have been completely rewritten with some new jargon:
- Transit with Apple Pay Express Transit mode enabled: China (Beijing and Shanghai PBOC), Japan (nationwide Suica FeliCa), USA (Portland TriMet EMV)
- Transit without Apple Pay Express Transit mode enabled: everywhere else
By the end of summer the Express Transit mode enabled list will look like this: China Beijing and Shanghai PBOC), Japan (nationwide Suica FeliCa), USA (Portland TriMet EMV and HOP MIFARE) and Chicago (Ventra MIFARE). New York OMNY will end up on the ‘Transit without Apple Pay Express Transit mode enabled’ list.
There is also some new jargon in iOS 12.3 Wallet Settings:
The Express Transit Card setting lists Transit Cards (Suica, HOP, etc.) and Payment Cards (VISA, Mastercard, American Express, etc.). Notice that Transit Cards can be ‘Multiple’ and the description: (EMV) will be used to pay for transit when (Suica, HOP, Beijing Transit, etc) is not requested by payment reader. Ideally this means that the payment reader will gracefully accept your preferred payment method to pay the fare.
The reality is going to be messy. I guarantee there will be lots of people who set a payment card for Express Transit and try going through a transit gate in Singapore, Sydney, London, Tokyo, etc. without a thought, and get a nasty surprise. What? I thought Apple Pay worked here?
That is not a problem for techies who want to try things, but for regular users who just want things to work, it makes Apple Pay look bad. People don’t have high expectations about bank cards, but they have higher expectations for Apple Pay. Put another way, banks have nothing to lose with lousy service because they already have a lousy reputation. Apple Pay is different and has more to lose when things go wrong. And that’s a risky place to be.