VISA Japan finally signs on with Apple Pay (Updated)

UPDATE 11/24: Apple pulled the Apple Pay VISA JP rollout. After showing in Wallet over 18 hours or so, VISA disappeared from the add card animation lineup around 6 pm JST. Somebody at Apple uploaded a new JSON payload to Apple Pay servers too soon. With a gaff this big at least we know VISA support is coming to Apple Pay Japan very soon. I am leaving the original post below for now and will post something new with the official launch.


Japanese credit card otaku tweeted late last night that the Apple Pay Wallet animation started displaying VISA, which it never did until now. Sure enough, a VISA does display in the add card animation for the Apple Pay Japan region on iPhone, Apple Watch and iPad. Wallet only displays supported card brands for the selected Apple Pay region so the change means VISA JP is officially on board.

The trouble is we don’t know what that means without a press release from VISA Japan, Apple, or Japanese card issuers. So far we don’t have one. All we have are 2 questions that will hopefully be answered later today or the next few days.

Does it mean current iD/QUICPay VISA cards in Wallet fully support Apple Pay features?
A quick check adding a digital Kyash VISA prepaid card to my Wallet did not show anything new, just the same limitations: no VISA logo, no In App (Suica recharge) or web purchase support, no EMV/FeliCa dual mode. That doesn’t mean anything by itself: virtual Kyash VISA has limitations but it may be different for major ‘real card’ VISA issuers like SMBC and MUFJ.

Does it mean that Apple Pay is simply matching the EMV only VISA Touch cards already on Google Pay from Sony Bank and others?
This seems more likely but also flies in the face of Apple Pay Japan encouraging ‘it just works anywhere’ dual mode EMV/FeliCa support for Wallet issue. If we don’t get announcements from VISA Japan or Apple, it could be a slow dribble of VISA Touch announcements from VISA JP card issuers, not much fun.

What I really want to know is: did VISA Japan blink, or Apple? I’ll update this post as details come in.

VISA Touch issuers currently on Google Pay
If you look very carefully iPad Wallet displays VISA for the Apple Pay Japan region, indicating In App and Web purchase support which VISA JP didn’t support until now.

The Apple Watch Transit Gate Wrist Twist

The new JREM gates introduce yet another Apple Watch Suica•PASMO wrist maneuver or contortion depending on which wrist.

Transit gate tappers are endlessly fascinating to watch: feather touchers, slappers, pocket fumblers, precision marchers, schlep slumpers. The daily routine is never routine.

Apple Watch transit-gating has a different set of challenges compared to plastic transit cards and smartphones, and a different set of circumstances: left wrist vs right wrist, transit gate reader position and NFC antenna read sensitivity with the much smaller Apple Watch NFC device.

There is also the crucial wrist twist. Apple recommends a quick wrist twist so Apple Watch faces down to the reader for better NFC reception, best shown in the Apple Pay Octopus Ride and Buy video:

Twitter user S posted a fascinating take on the subject. S wears his Apple Watch Suica on the right and keeps it facing up on the reader, not down. Apple Watch Journal has a great video showing this in action. The Apple Watch face up trick works on JR East gates but not so well on PASMO gates. Why? JR East gate readers are manufactured by JREM. PASMO gates are a mix of Omron, Toshiba and Nippon Signal.

I notice PASMO gate difference with Apple Watch Suica, some gates work great face up, others not. When you use the same stations everyday you develop a natural sense of the best gates. The differences are tiny but noticeable if you pay attention. Even so I am not a face up Apple Watch Suica user, I go sideways and it works everywhere.

Dear Apple and JR East, we need Apple Pay Family Suica

watchOS 7 Family Setup is a bigger deal than many people might think at first glance. Apple Cash Family is just one part of the service with transfers from a parent’s iPhone to a child’s Apple Watch. It’s the most compelling Apple Cash use case I can think of, and Apple Watch for children without iPhone is appealing to parents in a way that iPhone by itself is not.

I’ve always said that if Apple Watch ever gained direct Suica loading with parental controls, Apple could make a killing selling it into the Japanese education market. watchOS 7 Family Setup is almost there for the JP market but needs one more thing: Family Suica.

Next generation ‘Super’ Suica is coming early 2021 and next generation FeliCa is shipping in November. We already have digital car keys in Wallet that can be shared and Mobile Suica will be doing a lot more on the cloud with Super Suica. Apple and JR East have all the necessary new features they need to create an insanely great Apple Pay Family Suica.

The service outline is simple and combines what car keys do in Wallet with digital key sharing and Apple Cash Family does with transfers and limits. A master Apple Pay Suica ID is setup on an iPhone and manages family member Apple Pay Suica on other devices. The master ‘organizer’ would transfer stored fare (SF) via Messages and set spending limits just like Apple Cash Family does. Simple intuitive convenience.

Apple Pay Family Suica also needs transferable commuter passes. That way a parent can set one up for a child, transfer it to Apple Watch and renew it remotely. Transferable commuter passes would also be handy in our COVID teleworking era as working parents might not need a pass every working day. A “hey honey can I borrow your pass today,” thing that plastic transit card users do all the time.

So far nobody has managed to to produce a smartwatch that matches the super convenience of Apple Watch and Apple Pay Suica. If JR East and Apple produce Family Suica, they would effectively future-proof both next generation Suica and Apple Watch in the Japan market.

LINE Pay for Apple Pay

LINE Pay said years ago they would add NFC/FeliCa support if customers wanted it. Now that Apple Pay is gaining QR Code Payment support in iOS 14, LINE Pay announced Apple Pay support ‘in 2020‘ at the online LINE DAY 2020 (2:34:00 mark) media event today. The announcement has special meaning as LINE is the first QR Code payment player to announce Apple Pay support and did so before AliPay.

The timing makes sense now that iOS 14 is nearing official release, but Apple has not officially announced Apple Pay Code Payments yet though they may reveal something at the online September 15 Apple Event. Things will be damn awkward if they don’t.

There are lots of questions: will LINE Pay Apple Pay be a NFC/FeliCa + QR Code Payment in one Wallet ‘card’, or will it be the Apple Pay flavor of the Line Pay JCB prepaid card already on Google Pay that works on the FeliCa QUICPay network.

LINE Pay implied the intention of leveraging Apple Pay Code Payments and NFC but there isn’t much to go by at this point, except that LINE said Apple Pay will ‘complete the LINE PAY contactless payment platform.’ Whatever that means.

Now that LINE has made their Apple Pay move, PayPay is sure to follow. The trend to offer flexible NFC + QR payment solutions started with Toyota Wallet and will surely gain momentum with iOS 14 Apple Pay, especially with App Clips.

Smells like Super Suica: Sony unveils next generation FeliCa

Sony announced the next generation FeliCa chip on September 8. Next generation FeliCa was mentioned in the September 2018 next generation Suica, aka Super Suica, press release. This is the first glimpse into some of the new FeliCa features that Super Suica will use. The Japanese and English press released highlight different feature sets. A basic rundown:

  • Extended Overlap Service: different service providers can share additional services, while making the most of existing systems.
  • Value-Limited Purse Service: purse data can be set as a negative numerical value, and enables “Upper Limit Value” and “Lower Limit Value” to be specified.
  • FeliCa Secure ID: on the surface this cloud based service sounds exactly like the digital car key feature Sony and NTT Docomo demoed at the Docomo Open House back in January and exactly like Apple Pay Car Key sharing. Dare I say there seems to be more web service functionality that might relate to the NFC Tag Maas Suica hinted at by AquaBit Spirals CEO Tomohiro Hagiwara.
  • Additional Security Options: state of the art encryption, integrity protection option for ‘cost-balanced system solution use cases where higher priority is given to high-speed transactions while meeting the required security needs’. The new chip also complies with Public Transportation IC Card Protection Profile (PTPP).

The new hardware chip is NFC Forum Type 3 Tag compliant and works with NFC Forum certified devices.

As I explained previously, one big aim of Super Suica is sharing resources and services to reduce costs. Right off the bat Extended Overlap Service looks exactly what Super Suica wants to do: host other transit company commuter passes and reward points. The new FeliCa Japanese press release graph illustrates this, it almost looks like dual mode services in a single mode card. I think Super Suica is going to leverage the shit out of it.

Another interesting feature is the Value-Limited Purse Service. Super Suica will certainly get a stored value purse upgrade from the current ¥20,000 limit. I’m curious to find out if next generation Suica uses the new feature for additional stored value services.

One big question is when does FeliCa Networks upgrade Mobile FeliCa with all these new features and when do licensed developers get the goods. Sony and NTT Docomo already demoed Android Osaifu Keitai smartphones using FeliCa Secure ID and digital car keys with Ultra Wideband ‘Touchless’ in January. I think it’s safe to assume licensees get new FeliCa chips and upgraded Mobile FeliCa at the same time.

This is just a cursory overview. I have fingers crossed that FeliCa Dude will post something to Reddit that will delight and enlighten us when he has the time. In the meantime we have Apple Pay PASMO coming down the pike very soon in what I hope is a preview of more to come in 2021.

UPDATE
FeliCa Dude has posted an excellent overview on Reddit covering the new features and what they mean for operators. More than ever I am convinced that the big new marquee features, Extended Overlap Service and Value-Limited Purse Service will be playing major roles in Super Suica.