Sorry PRESTO but your open loop video is fake Express Transit (Updated)

UPDATE
March 16: The PRESTO UP Tickets and Fares page now lists EMVExpress Transit support, but no mention of any similar benefits using Google Pay. The Apple Pay Transit support page does not list Express Transit for Canada yet, but the last update was February 3. The PRESTO page also mentions an interesting iPhone issue: “Some iPhone models (8 and earlier), may experience an error message when tapped on a PRESTO device. If you tap with an older Apple device and see a message saying that multiple cards were detected, simply tap your device again and the PRESTO device should accept your tap.” Sounds like a pilot program for teething open loop use issues. No mention of a digital PRESTO card of course. I suspect that when it comes (much later), it will be a closed loop debit card like Apple Pay Ventra.

Apple did a similar Express Transit deal for NYC OMNY, which was basically a very long pilot program and gradual rollout. PRESTO UP is also a pilot program but has an advantage over OMNY in that the PRESTO contactless transit card has been in service since 2009. People are used to it, only the smartphone wallet aspect is new. Meanwhile OMNY is still nursing off the ancient mag-strip swiping MTA Metrocard without a replacement. It will be interesting to hear customer feedback regarding the PRESTO EMV Express Transit experience…for real.


The Metrolinx PRESTO UP service started an open loop contactless payment pilot program this past week. It’s the first step for open loop support across the entire PRESTO fare system. The coverage on MacRumors and elsewhere, and the PRESTOcard youtube video itself makes it look like PRESTO already supports Apple Pay Express Transit when it apparently does not. Apple is very picky when it comes to certifying which open loop transit systems support EMV Apple Pay Express Transit. There aren’t any in Canada. The U.S. has three: NYC OMNY, Chicago Ventra and Portland HOP.

Unfortunately the PRESTO video uses post-production tricks to fake Apple Pay Express Transit. There are three instances: the 1:14 PRESTO reader, the 1:30 onboard verification check, and the 2:16 PRESTO reader. Each of these require a Face ID without mask or passcode Apple Pay authorization. As a reader pointed out the post-production folks neglected to fix the Apple Pay passcode request screen to match the reader ‘Accepted’ screen. Metrolinx promoting PRESTO open loop rollout so people will use it is one thing, but deception isn’t doing users, or PRESTO, any favor.

Apple Pay Japan 2020 Wrap Up Wish List

A two word summary for people in a hurry: COVID and PASMO. As everybody in Japan knows at this point, COVID drove cashless payment use more than any government program could, or anything else for that matter. Cashless went from being the perennial ‘next big thing’ to first choice at checkout in a surprisingly short time with a growing number of ‘cashless only’ places. Here’s a short recap of the best and worst all things Apple Pay Japan in 2020.

The Worst: Face ID Apple Pay
COVID meant mandatory face mask wear outside the home. iPhone Face ID users outside of Asia quickly learned that Face ID and especially Face ID Apple Pay really sucks with face masks. Apple tweaked Face ID slightly to alleviate the issue but this is a long term problem with no short term workaround. Apple had the foresight to resurrect Touch ID in iPhone SE 2, the right device coming at the right time. For the time being it will hold up the middle and lower range iPhone user base in Japan. Face ID is such a marketing embarrassment right now that Apple only features Touch ID recharge on the Apple Pay PASMO page. The real short term future proof Face ID Apple Pay fix is Apple Watch.

The Biggest: Apple Pay PASMO
Mobile PASMO finally joined Mobile Suica, first on Osaifu Keitai Android then Apple Pay, the biggest and most important launch for Apple Pay Japan in 2020. Suica and PASMO combined represent 80% of the entire transit IC card market. In terms of pure usability, a large and diverse installed base, with Express Transit powered transit and purchases on iPhone and Apple Watch, PASMO easily beat all other Apple Pay service rollouts this year. Apple had VIP execs and foreign media on hand at the press event, something they haven’t done since the Apple Pay Japan launch in 2016.

The Most Influential: Toyota Wallet
The Toyota Wallet App rollout I wrote about a year ago turned out to be the model everybody is doing now: ‘XX Pay’ or ‘XX Wallet’ app consisting of a user account linked to a bank or credit card with a flexible payment dual mode front end offering QR Code payment via the app and a ‘instant issue’ prepaid card in Apple Pay Wallet. The Apple Pay Line Pay card launched on December 22 is the exact same model. Instant app issue debit and prepaid Wallet cards do away with plastic issue costs and lower the user entry bar, amount other things. Expect more of this in 2021, actually expect everybody to do this in 2021.

The WildCard: App Clips
iOS 14.3 App Clip Code support completed the picture for App Clip developers, but it will take time to see how they play out in a market overcrowded with mobile payment options. I think there is always a chance for a low cost high quality service which intelligently designed App Clips can deliver. The key will be solving the Japanese Softcream Cashless Index (SCI) Challenge: can App Clip cashless do a faster more reliable job than good old food ticket vending machines, without an app and without an account? How streamlined can it be and still be an App Clip? I hope we can find the answers to those questions in 2021… but there’s one more thing.

The Missing: Apple Pay Code Payments
The iOS 14 Apple Pay AliPay/Apple Pay Code Payment has been in open secret test mode for nearly a year with no firm release in sight. If screenshots are anything to go by, Apple Pay Code Payments are done with a virtual Wallet ‘card’ like any other and Apple Pay Wallet cards have certain properties:

  • Direct side button Wallet activation with automatic Face/Touch ID authentication and payment at the reader.
  • Device transactions handled by the eSE without a network connection.
  • Ability to set a default main card for Apple Pay use.

Supporting QR Code payments with an Apple Pay Wallet ‘card’ moves QR payments out of the app and removes some, but not all, of the QR payment friction points. It makes App Clips a better user experience too when all payments can be accomplished with Apple Pay.

Ultimately I hope the Apple Pay Wallet card model moves away from single mode technology and evolves to multimode awareness that encompasses NFC, Ultra Wideband, QR, etc. It has too. Our smartphones must be smart and take care of any payment technology for us. They have to because things are only going to get more complicated. People ridicule the Japanese payments landscape but that will be everywhere. Card companies and banks push EMV as a ‘global standard’ but EMV already comes in different flavors like PBOC, so does NFC (NFC A-B-F-V), and Ultra Wideband is joining the mix.

That’s what digital payments are all about: combining complex things into ‘it just works’ simplicity. Anybody can create or load a Suica, Octopus or PASMO into Apple Pay, without signing up or creating a new account, and start using it for lots of different instant payments. That’s how simple it should always be. That’s my 2021 Apple Pay wish.

Best wishes for a happy and safe 2021.

UPDATE: Reader Apple Pay Wishes for 2021

>Mine would be for VISA Japan to support Apple Pay.

>Mine are resurrecting #FeliCa-based @VisaJP TOUCH (can be rebranded), @id_credit re-attempts @ #FeliCa network expansion overseas starting w/ equipping end-users w/ the technology in new card distribution (via digital & physical), & @JCB_CARD expands @QUICPay_PR network overseas.

Opal digital transit card trial for Apple Pay and Samsung Pay

NSW announced a public beta test for Opal digital card in October and rolled it out today for Apple Pay and Samsung Pay. Trial users can register, and if one of the lucky chosen ones, install and use Opal digital on their device. iPhone trial users will need to download the Opal digital app via Apple’s TestFlight developer app.

As this is a trial there are limitations and the one for Apple Pay transit users is huge: no Express Transit. Hopefully this will be fixed before the official launch as Opal digital is a very awkward service without it: users have to authenticate Apple Pay at each transit gate, a real drag for Face ID users with face masks, users also have to be careful of EMV card clash.

Other limitations will not be fixed because of system design. This means there is no ‘add money’ button in Wallet and all card house keeping tasks from recharge to checking the balance can only be done in Opal digital app. This is a pain for iPhone users but a huge pain for Apple Watch users. For some it will mean digital Opal is unusable: Apple Pay Suica • PASMO work without an iPhone app and can be recharged on the go, not so for digital Opal.

The overall service seems to be what I predicted at the Apple Pay Ventra launch: a closed open loop prepaid/debit Mastercard disguised as a digital transit card with the backend account managed by the Mastercard issuer, in this case EML Payments.

Transport for NSW says they expect to officially launch digital Opal in 2021. I will update this post as field report details trickle in from trial users.

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 Jane, we fucked up, sincerely MTA

The piecemeal MTA OMNY rollout is a lesson how not to do a transition from old system to new system. A case where poor design, poor management choices and unanticipated user interaction, each insignificant in isolation, snowball into a nagging long term problem.

The problem goes like this:

(1) Apple Pay Express Transit is opted in by default and iPhone users don’t always know it’s on. They don’t care about using Apple Pay credit cards on OMNY anyway because fare options are limited and OMNY isn’t installed everywhere and won’t be until at least the end of next year. They use good old MetroCard and put iPhone away in the right pocket or purse carried on the right shoulder.

(2) When the user gets to a OMNY fare gate they swipe MetroCard with its peculiar forward swipe motion on the reader which is located above and behind the OMNY NFC reader, which is positioned low and angled at pocket level. As “MetroCard sucks, it may take several (forward) swipes to enter”, the user leans into the gate while doing this and boom: OMNY reader activates iPhone Express Transit and charges fare without the user knowing it.

Default opt in Express Transit has been with us ever since Apple Pay Suica arrived in 2016. But transit cards are not credit cards and everything was fine. Things got sticky when iOS 12.3 introduced EMV Express Transit that uses bank issued credit/debit/prepaid cards for transit on Apple certified open loop systems. Currently these are Portland HOP, NYC OMNY and London TfL.

HOP and TfL don’t have problems with Express Transit. Both systems use contactless exclusively. HOP has stand alone validators, not gates. TfL gates have the NFC reader located on the top. OMNY on the other hand will have MetroCard swipe cards around for years to come: the OMNY transit card replacement is still in development with no release date. With the slow transition pace and current gate design expect the OMNY Express Transit problem to be around until MetroCard is dead, and OMNY is complete with the new tap only card.

In retrospect MTA should have done it this way: (1) rollout out the OMNY card MetroCard replacement first and add open loop support as the very last thing, (2) design better OMNY gates in two kinds, dual mode NFC + swipe, and single mode NFC only. This way MTA stations could do what JR East stations do: start with single mode tap only express gates on the edges and dual mode gates in the middle. As the transition progresses the dual mode gates get fewer and pushed to the sides with single mode gates taking over.

Apple could help by keeping automatic Express Transit opt in only for native transit cards (Suica, SmarTrip etc.). EMV Express Transit should always be a manual opt in. I understand Apple’s perspective: they want to present Apple Pay Express Transit as a seamless one flavor service, not good/better/best Express Transit flavors. The reality however is that the current technology powering EMV open loop fare systems isn’t up to native transit card standards. Apple can’t fix that.

Unfortunately MTA has taken the dumb path of blaming Apple instead of fixing their own problems. New York deserves a world class modern transit system, OMNY is an important step in building one. MTA management performance so far doesn’t inspire much confidence. Let’s hope they focus on the rollout and deliver it without more delays or problems.