Apple Pay Octopus Ides of March

Here we are again. Apple Pay Octopus has been languishing in beta test hell for over a year with no public release in sight. The last official news was the 2019 year end launch delay to ‘later in 2020’ and the Octopus App v5.6 update that added support for iPhone recharge/top up of plastic Octopus cards. Hong Kong beta testers found code references in v5.6 that clearly indicated Octopus Cards Limited (OCL) originally intended to release Apple Pay Octopus and v5.6 app together.

A few weeks ago a reader contacted me that OCL is updating the Schedule of Fees and Guidelines on March 1, 2020, which could indicate a minor Octopus App update, or nothing at all. Then out of nowhere Twitter user Jason Tjong (who lists himself as a IT journalist, without a listed publication…freelancer? blogger?) put out a series of tweets saying everything that was supposed to be coming, first with Chinese New Year 2019, then later with iOS 13, is finally coming in March 2020 along with Octopus App v6, in other words the whole shebang.

To which I say…hope for the best but we’ll see how it plays out. There have been too many delays to be optimistic and Tjong has not revealed any sources or given reasons to back up his tweets. If his statements turn out right, great, if not we’ll wait for the next rumor or a real announcement from OCL.

We do have a Apple Event March rumor for iPhone 9 and new iPad, but an event looks increasingly unlikely during the coronavirus COVID‑19 crisis. At last year’s spring event Tim Cook mentioned Apple Pay HOP, Ventra and EMV Express Transit for MTA OMNY for 2019. Reality and results were mixed. Apple Pay HOP launched without a hitch, OMNY Express Transit launched on schedule but MTA users stuck with manual swipe MetroCard are irritated by Express Transit (default Express Transit in a long term system migration environment was not a good idea), and Apple Pay Ventra is stuck in coming soon hell.

Tjong says the Apple Pay Octopus delay is Apple’s fault not OCL, but again I am skeptical. From a technical side OCL already has extensive mobile experience with their Smart Octopus on Samsung service and has field tested Apple Pay Octopus since December 2018, OCL feedback to beta testers indicated everything was set to launch right up until the delay announcement. From a business side I find it hard to believe that OCL would dump resources into extensive Apple Pay beta field testing and Octopus App development without the business contract ends tied down. I think there are other reasons..reasons related to the Hong Kong protests and the unexplained takedown of Smart Octopus during the Hong Kong Polytechnic University siege, but this is not a popular view.

We can put aside all doubts and pretend that March will be insanely great. Tim will announce Apple Pay for Octopus and more at the March Apple Event, Octopus Cards Limited CEO Sunny Cheung will be invited on stage to unveil the service. Joking aside, the only clarity from the murky chaos that was 2019 and is 2020 is this: Hong Kong is in a very different place than it was back in December 2018 and there’s considerably less interest in Apple Pay Octopus.

UPDATE
Tjong also tweets that Apple Pay Guangzhou, Shenzhen and Foshan T-Union transit cards announced by Apple in early January could appear with iOS 13.4 which sounds about right, he also suggests that T-Union card mobile integration is less complex than Octopus, again without citing sources or offering explanation. Given the circumstances of the Octopus delay I don’t agree with his tech angle, but Apple Pay Lingnan/ShenZhen/Foshan coming more or less simultaneously with Apple Pay Octopus crossed my mind back in December. It certainly makes sense for Apple Pay to align transit card region support whenever possible. A release that eventually straddles both Hong Kong and surrounding mainland area transit cards, not dual mode exactly but close, is a win for iPhone/Apple Watch transit users.

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Taiwan EasyCard coming to Japan

This is an interesting development, Bank of the Ryukyus announced support for Taiwan EasyCard (aka Taiwan’s Suica). The press release is a little vague but says this is a co-venture for Bank of the Ryukyus to build….wait for it…another contactless payment platform for Japan. A separate Nikkei article (Japanese) quotes Bank of Ryukyus as having 7000 stores in Okinawa lined up and ready to go by March with a service launch planned in July. The long term plan is extending EasyCard payments beyond Okinawa to other areas in Japan. There is no mention of transit support.

This will be a boon for inbound visitors from Taiwan, especially Samsung Pay users because it will support EasyCard. Apple Pay and Google Pay support of EasyCard is rumored to be coming…”later” which can mean anything, but all 3 digital wallet platforms support the EasyCard MIFARE format. Now that EasyCard is coming to Japan, I wonder if Suica can go to Taiwan, or how about Octopus support in Japan. This kind of mix and match business opportunity is what global NFC smartphones are all about.

And in other Okinawa related good news: inbound Apple Pay Suica users, and other major transit IC cards are finally accepted on the Okinawa Monorail starting March 10.

iOS 13.4 beta 2 Apple Pay Suica tweaks and questionable UI choices

Apple Pay Suica has more commute plan UI tweaks in iOS 13.4 beta 2. Commute plan information displays correctly now, and with more detail than before, but the renew button is gone and evidently dynamic: it only appears during the 2 week commute plan renewal period before expiration date. The design goal is clear but cannot absolutely confirm it until my plan enters the renewal period on April 15, hopefully beta testers will confirm it on Twitter before then.

A dynamic Suica commute plan renew button makes sense because the button does not function outside of the 2 week renewal period, but I’m not sure it’s the best UI choice. Most users will be confused when there isn’t a renew option showing. No button, no user feedback. My own choice is for a button that is always there but greyed out until it’s active for the renewal period.

What UI Apple delivers for the official iOS 13.4 release is anybody’s guess but the constant Suica tweaking before iOS 13 Dark Mode and after is telling. Apple is making questionable UI choices because Dark Mode severely limits UI color schemes. That is why Apple Pay Wallet buttons are black for daytime and white for Dark Mode. Grey is not an option. That’s why Apple is playing with dynamic buttons that only appear when needed. Dark Mode in fine in limited doses but things like Apple Maps Dark Mode are a disaster, Apple Pay Wallet Day/Dark Mode is a mixed bag. I hope iOS 14 Dark Mode delivers a better design than what we have now.

Outside of the UI, I’m happy to report that Apple Pay Suica performance on iOS 13.4 b2 is the best ever.

Apple Wallet Docomo d POINT contactless rewards card launching February 18

Apple Japan recently tweaked the Apple Pay web page artwork. Instead of 3 iPhone Apple Pay images there are now 4, one of which features the PONTA contactless rewards card. Why would Apple feature it only now when Apple has ignored PONTA since the October 2018 launch? Now we know why: the Apple Pay version of Docomo d POINT Card is launching February 18. Twitter user Ballpen caught a few early bird launch campaign posters outside a LAWSON store showcasing Apple Pay d POINT with a NFC mark, just like PONTA. The launch campaign will run from February 18 to April 17 offering 7X bonus d POINT when using Apple Pay at LAWSON.

The LAWSON POS is built around the Panasonic JT-R600CR reader that is Apple Pay savvy and supports the VAS protocol. Apple Wallet Ponta at LAWSON uses VAS (NFC A) for reading and linking reward card information with a purchase. Docomo d POINT Apple Pay will also use VAS but there is more to it. Docomo d POINT has a far larger Godzilla sized market footprint than PONTA, and Docomo is looking to streamline its siloed payment services: d CARD (plastic), iD (NFC FeliCa), d POINT rewards card and the new d BARAI QR Code payment system into an intelligently integrated service package that can best SoftBank PayPay market performance.

Docomo announced in November that it would merge some d Barai functions into iD with an updated iOS app at some point. It looks like that app is coming February 18 that adds the user d POINT Card to Wallet. The real question is how it works on the updated LAWSON POS system and plugs into iD payments. Do we say ‘Apple Pay’ at checkout like we do for PONTA points, ‘iD’ or something else? Tune in for details in tomorrow’s press release. Now if only JRE POINT would go Apple Pay, I’d be finally free from plastic reward cards cluttering up my real wallet.

UPDATES
Apple Pay Docomo d POINT Card is live, it works just like PONTA at LAWSON, say ‘Apple Pay’ at checkout then select d POINT or PONTA on the checkout touchscreen. There is a Wallet notification UI bug that displays the PONTA icon instead of d POINT when adding points but they are added correctly.

Tokyo Cashless 2020: NFC Pay…are we there yet?

Tokyo Cashless 2020 is a periodic look at all things cashless as Japan gears up for the Tokyo Olympics event. If there is a topic you’d like covered, tweet @Kanjo

Mom always had a ready answer for us kids at the start of every family summer trip, “No honey we’re not there yet.” It was vague, non-committal, endlessly cheery. NFC Pay (aka EMV contactless) has made some progress at Japanese checkouts, but as Junya Suzuki lamented recently it’s still not universal. Cashless payments in general however have made good progress thanks to the Japan Cashless rebate program.

Every inbound cashless Japan experience is different, it depends on the kind of trip, the region and personal spending habits. A businessman using plastic credit cards staying in Tokyo area hotels and well known areas, then yes the experience is mostly cashless. A budget backpacker on Lonely Planet/Airbnb trail will have a very different, very cash cash experience. Europeans and Australians will find that their EMV contactless bank cards don’t tap very far and wide.

Just Say ‘Apple Pay’ Conundrum
People would love to be able to just say ‘Apple Pay’ at checkout, but this does’t work very well in Japanese contactless checkout jungle. When you say ‘Apple Pay’ you get:

  • The main card set for Apple Pay Wallet
  • Face ID/Touch ID authentication request

This can play out in different ways. If you have an international issue bank card set as the main card and say ‘Apple Pay’ at Lawson, the reader pulls up the main card with a Face ID/Touch ID authentication request. If you have Suica set as the main card and say ‘Apple Pay’ at Lawson, it pulls up Suica with a Face ID/Touch ID authentication. If you want use Apple Pay Suica Express Transit at checkout, you have to ‘Suica’, not ‘Apple Pay’. Are you confused? The confusion is compounded by poor employee training. You can use EMV contactless at any McDonalds but getting the checkout staff to actually make it happen is a completely different story.

Who’s to blame for this state of affairs? I say everybody: Banks, Card companies, The EMV Consortium, Sony, NXP, The NFC Forum, Apple, Google, Samsung, and especially Visa Japan who refuse to play nice with anybody who plays nice with FeliCa. Instead of working together to create and market a few intelligent payment schemes that work seamlessly, we have a world of this and that pay. The only player to gain anything from the Japanese market card payment mess is, surprise, the card-less QR Code PayPay.

EMV contactless and known aliases
To successfully navigate the Japanese contactless jungle, inbound Apple Pay travelers needs to be acquainted with a few checkout slogans: NFC Pay, credit and Suica. When you see the EMV contactless acceptance logos for Mastercard, Visa, Amex or JCB, say ‘credit’ or ‘NFC Pay’ at checkout. This should work for both plastic EMV contactless cards and Apple Pay/Google Pay/Samsung Pay inbound digital cards. Even if the checkout terminal does not display an Apple Pay or Google Pay logo, you are good to go.

Unfortunately, there isn’t comprehensive resource for NFC Pay store listings. Visa Japan only lists Visa Touch stores, Mastercard only lists Mastercard contactless stores, etc. The best approach for iPhone/Apple Watch inbound visitors is to create a Suica card on your device and be flexible, use a mix of Apple Pay Suica (recharged with Apple Pay cards), NFC Pay and plastic credit cards. NFC Pay nirvana may not be here yet, but we’ll get there…eventually.