Japan has the longest history of mobile payments on a large scale thanks to the early cooperation of NTT Docomo and Sony to create Mobile FeliCa and the Osaifu Keitai mobile payment platform adopted by all Japanese carriers. This standard was in place 10 years before the EMV contactless standard for credit cards came together that was the basis for Apple Pay released in 2014. The long history and pre-EMV FeliCa standard means that the Japanese mobile payments landscape is richer and more complicated than anywhere else, and is growing even more complicated with QR Code payment app choices that have proliferated over the past 2 years.
The addition of Apple Pay and Google Pay logos in the mix confuses things even more. What do they mean and what exactly does one say to the checkout staff? Apple Pay, iD, QUICKPay, or Suica? It comes down to 2 basic factors: the POS checkout system and the skill of the store staff. Suica, iD and QUICPay are standard for contactless checkout but the ‘Apple Pay’ logo only indicates that contactless payment is available, it doesn’t specify ‘which one’. What you say to the checkout staff or tap on the checkout touchscreen is another matter.
- (1) say ‘Apple Pay’, double-click the side button for Face ID authentication/rest finger on Touch ID and hold to reader to pay with your default Apple Pay card.
- (2) The Apple Pay support page instructions for Japan are different: let the cashier know if you’re paying with Suica, iD, or QUICPay. Why no “say Apple Pay?”
The reason for the difference boils down to Express Transit. Only Japan has Apple Pay Express Transit for store purchases in addition to transit use. No other Apple Pay region has it (except Hong Kong when it added Apple Pay Octopus in June 2020). So there are 2 ways: say Apple Pay at checkout that evokes Face/Touch ID authentication or say Suica that evokes Express Transit which bypasses Face/Touch ID.
Apple Pay makes everything work seamlessly on the iPhone side thanks to global NFC and NFC switching. However the store reader cannot choose automatically, that’s why you have to say Suica, iD, QUICPay, etc. That’s why Apple Pay uses option (2) for Japan. When Apple Pay Octopus finally launches in Hong Kong, it will be the same deal. Users will have to say Octopus at checkout for Express Transit or tap a separate Octopus only reader.
The Contactless Point Card Difference and Inbound Apple Pay
When checking out at a store with all the pieces in place: full spec POS system, trained staff, EMV, FeliCa, VAS and Apple Pay, it’s like option (1). This is how it works at Lawson convenience stores. The ‘say Apple Pay’ option here is for using PONTA or dPoint contactless reward cards with a convenient single tap operation. The Express Transit catch remains however; saying Apple Pay when Suica is your default Wallet card means you don’t get Express Transit checkout, you get Face/Touch ID authentication Apple Pay. For Express Transit checkout you have to say Suica every time.
There’s also the inbound angle to consider. More stores are adding EMV contactless support and this means visitors can use their Apple Pay cards from home directly. However Apple does not cover inbound use in their support page, only domestic JP options. The problem here is there’s no magic catch-all checkout word like Suica, iD or QUICPay. Do you say Apple Pay, NFC-Pay, credit, or something else?
If the staff hasn’t been properly trained (and be sure to check if they have a ‘trainee’ ID badge, usually a sign of trouble), they can’t understand what payment option you are asking for and match it with the right checkout button on the POS screen. Saying ‘credit’ seems to be the most common usage that works, sometimes ‘NFC Pay’, but Visa wants you to say ‘Visa Touch’, Mastercard wants you to say ‘mastercard contactless’, and so on.
I say blame the mess on selfish card companies that can’t get their act together and come up with a EMV checkout word for the common good. If you get in a jam, pointing at the payment acceptance mark you want to use at checkout is the best course of action. Last but not least, keep in mind that the EMV mark on the reader tap area has nothing to do with what works for POS checkout. Always check the payment acceptance marks.