Suica and Octopus Compared

Hong Kong’s Octopus is coming to Apple Pay soon, it shares the same FeliCa technology base with Suica but there are some interesting differences.

Branding
The mobile version of Suica is Mobile Suica across 3 different payment platforms: Osaifu Keitai, Apple Pay and Google Pay. The current mobile version of Octopus is called Smart Octopus in Samsung Pay but it’s not clear yet if the Smart Octopus branding will stay with Samsung Pay or be set free.

Deposits
Mobile Suica does not have deposits. Plastic Suica cards have a ¥500 deposit but is automatically returned to the stored value (SV) balance when transferred to Apple Pay or Google Pay. Octopus has a HK$50 deposit on both plastic and mobile versions. An interesting difference is that the Octopus deposit will be used temporarily if the SV balance is insufficient to pay transit fare at the exit gate.

Stored Value Balance Limits
Suica has a SV balance limit of ¥20,000. Octopus Cards Limited (OCL) just raised the Octopus SV balance limit for cards issued after October 1, 2019 from HK$1,000 to HK$3,000. In JPY this is roughly double the current Suica limit, about ¥40,000 which puts it inline with other Japanese e-money card balance limits like WAON. Suica balance limits will likely be doubled when the next generation ‘Super Suica’ card architecture arrives in April 2021.

Number of Cards
Smart Octopus is limited to a single card per Samsung Pay user account. Mobile Suica/Apple Pay Suica can have the multiple Suica cards up to the device Wallet limit.

Recharge Fees
One of the many innovations that Apple Pay Suica brought was elimination of the annual Mobile Suica ¥1,050 ‘membership fee’, Google Pay got the same deal and Mobile Suica membership fees are disappearing altogether next year. Mobile Suica does not charge any upfront fee for recharges, but Smart Octopus does: 2.5% a pop for the luxury of recharging in Samsung Pay with Visa and Mastercard card brands although Union Pay cards are apparently free.

The differences in this last section are interesting. JR East charges nothing for recharging Mobile Suica, while OCL does for Smart Octopus. Mobile Suica has been around far longer and JR East has many more online services, such as EkiNet, to offset cloud expenses. Smart Octopus only started in December 2017 and the footprint of Samsung Pay devices compared with everything else is probably small and doesn’t drive enough transaction volume to offset Smart Octopus cloud startup costs. Apple Pay will growth the transaction size of Smart Octopus considerably, hopefully enough for OCL to reduce or eliminate the Add Value Service Fee at some point.

I look forward to digging through service details when Octopus finally launches on Apple Pay.

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JRE POINT Issues Apple Pay Suica Notice

With the JAPAN CASHLESS Rebate program in full swing, many Apple Pay Suica users are suddenly paying attention and signing up to get those post-transaction rebate points. The sleepy JRE POINT site is suddenly a hot bed, and users are advised to steer clear of registering Suica cards during the peak evening hours of 22:00~24:00.

JRE POINT issued a notice today reminding users with plastic Suica cards registered with JRE POINT, that they need to re-register the Suica as Mobile Suica if they transfer it to Apple Pay.

JRE POINT allows multiple Suica cards to be registered, but only a single Mobile Suica card (green) can be registered at any one time, and one Mizuho Suica (blue). Once a Apple Pay Suica/Mobile Suica card is registered however, users don’t need to worry about the Suica ID number changing when migrating to a new device or moving Suica from iPhone to Apple Watch. The number usually doesn’t change but even if it does, the Mobile Suica/JRE POINT system takes care of it.

UPDATE: I forgot to mention that MIZUHO Suica does not count towards the Mobile Suica limit, you can have one Mobile Suica card (green) and one MIZUHO Suica card (blue) both in Wallet, both earning JRE POINT.

Suica App 2.5 Update

Suica App 2.5 dropped on 9/25 without a peep from JR East but this morning they released a notice urging Suica App users to update by 10/22. It’s not immediate clear what has changed, most likely it’s all backend stuff.

Gosh does this have anything to do with a Apple Pay system update or Octopus? And by the way, where are we on that one Sunny?

UPDATE: JR East has followed up with a Mobile Suica email notice labeled ‘urgent’ asking Suica App users to update to version 2.5 ASAP. This looks serious so update as soon as you can.

Tokyo Cashless 2020: Are Apple Maps and Siri really Apple Pay level ready for the Tokyo Olympics?

1️⃣ Dear JR East, we need a new Suica Charge App
2️⃣ Consumption tax relief with the CASHLESS rebate program
3️⃣ >Are Apple Maps and Siri really Apple Pay level ready for the Tokyo Olympics?
4️⃣ Blame the Japan Cashless Payments mess on VISA and EMVCo, not FeliCa

Tokyo Cashless 2020 is a series covering all things cashless as Japan gears up for the big event. If there is a topic that you’d like covered tweet me @Kanjo


iOS 13 is not a software release. It’s a mission statement of what Apple hopes to achieve by the end of the iOS 13 life cycle. iOS 13 will be peaking out just as the Tokyo Olympics take place between 24 July – 9 August 2020. There will be a huge influx of inbound smartphones using all kinds of apps for transit, navigation and payments. Apple has told Japanese journalists that Apple services will be ready. How will peak iOS 13 Apple Pay, Apple Maps and Siri stack up with the competition? How useful will they really be? Let’s find out, starting with the strongest contender.

Apple Pay
Apple has put a tremendous effort into creating a global NFC platform that incorporates all the key NFC technologies (EMV, FeliCa, MIFARE, etc.) into one seamless package sold worldwide. This is still unique and unmatched. Inbound visitors with iPhone have the option of adding Suica to Wallet and instantly gaining all the benefits of using Japan’s famous tap and go transit and making contactless payments nationwide.

Apple Pay with Suica makes iPhone a great transit and payment solution for the Tokyo Olympics and Apple Pay Suica will be the inbound star player for all things transit and payments. iPhone and Apple Watch are so perfectly matched for using contactless payments in Japan during the Olympics that I can only wonder if Apple has been planning for this opportunity all along. Make no mistake, Apple Pay is going for the gold.

In addition to Suica support, merchant support is growing for inbound Apple Pay cards as well

Apple Maps
Apple Maps Japan is one of those players with great unfulfilled potential that is never realized. Apple has vowed that Maps will be ready for the Tokyo Olympics. This means that Apple Maps 2.0 for Japan will be ready with new detailed maps, Look Around, and, one hopes, indoor maps that include stations, not just airports and shopping malls.

The biggest use case for Apple Maps during the Olympics is transit directions and local walking area navigation in station areas. Apple Maps is still a very ‘America centric’ app in that default map views and the UI are geared for driving, not transit and walking. iOS Google Maps has a more intelligent approach that layers transit over the current map view that eliminates the transit view/map view UI toggling of the chunky Apple Maps UI. Google Maps is a much more smoothly integrated collection of services.

Even with the addition of better map detail of Apple Maps 2.0 and Look Around however, Apple Maps must absolutely clean up and completely revamp its cluttered cartography and Point of Interest (POI) layers and remove the bolted on transit functions with improved integration to be a serious contender in the Tokyo Olympics Navigation contest. I don’t see that happening: there’s no way 7 years of bad habits and ‘Where’s Wally’ can be magically fixed in the 10 month run up to the Olympics.

Siri
Bringing up the rear, Siri is the ‘Cool Runnings’ contender in the wrong Olympics. With Google Maps you can ask Google Assistant “when’s the next train to Shinjuku” and Google Maps will give you a list of transit options. Google Maps Transit also gives you platform guidance, optimum car positions for the destination station, and ground truth yellow exit numbers:

Siri and Apple Maps offer none of this. In fact Siri is not even programmed at this point to provide transit information and politely declines all such requests (and when did Japanese Siri’s speaking rate speed become so SLOOOOOW?). Even a manual Apple Maps Transit search does not provide the same level of Google Transit information: no platform guidance, no car positions, no crowd conditions, etc. Meanwhile JR East just announced an agreement with Google to offer Google Assistant Shinkansen transit information. This isn’t even a contest.

Quick Summary and Tokyo Olympics iPhone Guidance
Given the current state of Apple Pay, Apple Maps and Siri, I offer the following suggestions.

  • For iPhone 8/Apple Watch Series 3 and later inbound visitors from countries with Apple Pay availability:
    • Add Suica to your iPhone and recharge it with your Apple Pay card from home
    • Use Google Maps and Google Assistant for navigation and transit
  • For iPhone 8/Apple Watch Series 3 and later inbound visitors from countries without Apple Pay availability:
    • Purchase a regular plastic Suica card from a JR East station kiosk and transfer it to your iPhone (Welcome Suica cards cannot be transferred), you cannot recharge it with a credit card but Apple Pay Suica can recharged with cash at any convenience store checkout register, any 7 Eleven ATM, or JR station smart kiosk. The advantage of Apple Pay Suica over plastic Suica is that you always know what the balance is and when it needs recharging. You can avoid long queues at station recharge kiosks.
    • Use Google Maps and Google Assistant for navigation and transit

Suica, Toica, ICOCA integrating commuter pass regions staring in April 2021

Big things sometimes come in small packages. JR East, JR Central, JR West issued a joint press statement on September 20 that starting in April 2021, Suica-Toica-ICOCA commuter pass regions will be enlarged into one continuous virtual commuter region. This will cover regular rail lines and Shinkansen lines, and address current transit region ‘gotcha gaps’. The press release comes almost exactly one year after the JR East, Sony, JREM ‘Super Suica’ next generation transit card announcement, the start date coincides with the new transit card rollout.

This has big implications and fits with the scenario outlined in the Super Suica piece. The press release does not mention Mobile Suica, and only shows current style IC transit cards, but it’s important to remember that Super Suica is a next generation transit card architecture with a next generation FeliCa OS for both IC cards and mobile.

For Apple Pay Suica users this means that starting in 2021 all commuter passes for those IC card regions can likely be covered by one ‘Super Suica’, however details are few at this point. I hope to post an analysis of these developments soon. There is a lot to look forward to as Japanese transit companies prepare for the big, long term migration to the next generation transit card architecture.

This press release only covered the JR Group side, some grey areas remain. Now that the JR Group have an agreement in place to integrate their trunk line commuter pass regions, I expect that we will hear something similar for PASMO and other private rail IC transit card commuter regions at a later date.