Apple Pay Clipper (updated)

Apple announced Clipper Card for Apple Pay today on a special page, Apple Pay Express Transit is finally coming to Apple’s San Francisco Bay Area home turf. Clipper is due to launch on Google Pay the same time. There are few details other than it works on all Bay Area transit and since open loop isn’t a thing there, it will be the same MIFARE card on Apple Pay that we saw with SmarTrip, TAP and HOP.

Unfortunately the Apple Pay Clipper image does not show an ‘Add Money’ button, it’s on a reader after all. Apple carefully crafts images to show card features. To me Apple not including an image showing the ‘Add Money’ button could mean that users reload/recharge the Clipper stored fare card balance with an app, like Apple Pay Ventra and Apple Pay HOP, instead of directly in Wallet like Apple Pay SmarTrip.

This could be a problem for Apple Watch users as they would have to use an iPhone Clipper Card app to reload and basically chains Apple Watch to iPhone. A Clipper app doesn’t exist yet but has to be in place on iOS and Android for a mobile Clipper service.

Some transit agencies stupidly keep the recharge backend locked in their app instead of leveraging the convenience of Apple Pay Wallet reload which makes the digital transit card less flexible and useful than it could be.

Let’s hope for the best launch day outcome. Meanwhile Apple Pay Suica remains the first and best implementation of a native mobile transit card on the Apple Pay platform, the best role model for a transit company to follow.

UPDATE 2-23
Good news. Apple Pay Clipper testers report on Reddit that direct Wallet reload/recharge is supported. Apple Watch transit users can rejoice. Both plastic Clipper card transfer and direct Clipper card creation in Wallet are supported and just like Suica transfer, the plastic card cannot be used afterwards. Could be a iOS Clipper app won’t be necessary for basic housekeeping after all.

UPDATE 2-18
There were a number of interesting and thoughtful Twitter threads in connection with the Apple Pay Clipper announcement.

> lordy if only we had suica in north america

>> Imo, successes like Suica is a testament to solving back-end issues (fare integration, product partnerships beyond transit, UX) and using the front-end tech to unleash full potential…Apple/Google Pay for local transit cards in the US is just not that level of breakthrough

> Yeah, exactly; the frontend technology can only be as useful as the backend system allows.

Thread

It’s heartening to discover comments that ‘get it’, that is a great mobile transit platform leverages a great front-end to unleash the potential of back-end while adding new services and product partnerships beyond transit. If only North America had Suica indeed, folks would really enjoy Apple Pay Express Transit for purchases too.

I know you’re on the closed loop side of this but imo it depends on relative power of transit vs. credit cards. In Japan CCs are not as popular so Suica was ready to take over contactless (and back integrating into CC top-up. In London both are popular so they got both…but most in US don’t use transit enough to justify a top-up card, so I’d prefer NY’s open loop over SF asking frequent travelers to switch from Clipper to Apple Pay Clipper, despite all the limitations in riding experience.

Reply

Popularity doesn’t matter, solutions matter. For years London TfL used EMV open loop in an attempt to get rid of Oyster cards but open-loop cannot replace closed-loop cards, only complement them. So now we have open-loop 2.0: EMV closed-loop cards that hide the slow and dumb limitations of a EMV front-end with a beefed up back-end. This is the Cubic + Mastercard transit solution coming to Cubic managed transit fare systems near you. Enjoy.