What Apple Pay means for mobile payments in Canada

Mobile payment use in Canada took a massive step forward this past week when Apple announced Apple Pay support for Interac, MasterCard and Visa cards from CIBC and RBC, with the other three big banks following suit by mid-June.

Now the question is: what are the ramifications of this landmark event? How will it affect the financial ecosystem? Will Canada, with its strong existing tap-and-go payments infrastructure, be one of the fastest adopters of Apple Pay yet? In attempting to answer those questions, MobileSyrup spoke with several analysts and industry experts for their opinions.

Apple Pay’s relationship with Canadian banks

While Apple Pay and Canadian financial institutions may now be working together in harmony, the path to collaboration was purportedly more challenging than in markets like the U.S., which are less centralized. Rumours abound that a difficult negotiation process was to blame for the fact Apple took eight months from its launch with AMEX to complete the Canadian rollout if Apple Pay.


According to a report from the Financial Post, a source familiar with arrangement says that Canadian banks were able to negotiate slightly more favourable terms than in the U.S. It was widely reported that in the U.S. Apple receives 15 cents from the banks for every $100 purchased. Canada shares that pricing, but has negotiated a lower fee of 4 cents per $100 purchased for cards on which they make an annual payment of 50 cents. The Financial Post reports that this is similar to arrangements in Australia and the U.K.

Canada’s the perfect mobile payments storm

This sacrifice allowed Apple to enter a market that is otherwise very appealing, due in part to the fact that it has a high install base of iPhones. Global market intelligence firm IDC Canada estimates 44 percent of the total smartphone install base in the Canadian market is comprised of iPhones, based on data gathered at the end of 2015.

The other reason Canada has potential for a significant penetration rate is its robust tap-and-go payments infrastructure. In October of last year Moneris, Canada’s largest card payment processor, announced that 85 percent of its merchants would be capable of accepting Apple Pay and that for the past two quarters between 10 and 20 percent of all domestic transactions on its systems had already taken place through contactless methods.

Forecasting Canadian penetration

Jan Pilbauer, vice president of information technology and chief information officer at the Canadian Payments Association, believes by this time next year, Canada may see a ten percent penetration rate for smartphone owners using digital wallet apps. He says this includes Apple Pay, Samsung Pay, which is due to arrive at some point this year, and Android Pay, if Google’s mobile payment solution launches in Canada at some point in the near future.

“That’s optimistic,” he cautions, “Ten percent would be a success.”

Indeed, in comparison with some estimates of Apple Pay’s adoption rate in its first year in the U.S., it would be approximately double. The publication PYMNTS and consumer research firm InfoScout in the U.S. reported polling a “statistically significant” number of consumers throughout Apple Pay’s first year of deployment.


The two organizations found that of all potential sales that could have been made with Apple Pay, only 5.1 percent actually were. Its research further shows that the reasoning given by consumers was chiefly that they either forgot, or weren’t sure if the store would accept Apple Pay.

Back in 2014, when outlooks for Apple Pay adoption were rosier, IDC Canada forecasted that the mobile payments market would reach maturity within three years. Three years later, it revised that statement to predict that mobile payments would become mainstream by 2019.

IDC Canada analyst Robert Smyth believes that estimate still stands, even with this new surge of activity.

“When looking at what is needed, what progress has been made, and where we are today 2019 still looks like a reasonable date if you are looking at over 50 percent of online and POS payments being made using mobile devices as being mainstream.”

Will safety fears hold Canadians back?

One of the main issues that might hold back Canadians from adopting Apple Pay, apart from ignorance, is security.

Jeff Berry, senior director of research and development at LoyaltyOne, a coalition of loyalty programs experts, thinks that with the Canadian banks signing on to the platform, more Canadians will trust the new technology.

“Trust and security has remained a big issue with digital wallet adoption to-date, but studies show that consumers are more likely to adopt a mobile wallet platform and engage with the app if they trust a brand, and because banks are some of Canada’s most trusted brands, they are well-poised to get the most out of this digital trend,” says Berry.

Besides the banks adding a layer of trust, Apple has stated that its multi-layered security protocols make Apple Pay more secure than current tap-and-go technology.

“Security was very important and we think the work that we’ve done to design in these additional layers of security make it even more secure than credit and debit cards today,” Jennifer Bailey, Apple’s vice-president of internet services and Apple Pay told MobileSyrup.


“I would kind of concur,” says Pilbauer, “It’s bringing additional authentication. The problem with tap-and-go is that there is no authentication on top, I can take your card and use it without having to authenticate myself. With Apple Pay, it’s two-step authentication, you don’t need just a card, you need a password or biometric information.”

The use of biometric information brings about its own safety issues, of course. Pilbauer says the CPA consulted on those issues with key stakeholders preceding the announcement.

A brand new digital wallet world

Outside of the specific forecast for Apple, what has Apple Pay’s big expansion in Canada done to the mobile payments ecosystem? Smyth says it’s too early to tell.

“The entry of Apple was anticipated and while it has many interesting features there is nothing revolutionary yet,” said Smyth.

Smyth says loyalty card integration and added value for merchants are among the things needed to have mobile payments become mainstream.

Berry agrees that the success of mobile payments is contingent on a full digital wallet experience that would include loyalty cards.

“Once consumers experience the convenience of mobile payment they will begin to use the same digital wallet payment method for their loyalty programs or demand integration if it doesn’t already exist. The barrier to date has been low adoption, this announcement will change that materially.”

With more banks yet to arrive on the Apple Pay platform, and the fast-growing Samsung Pay due to make its debut later this year, only time will tell what the mobile payments landscape will look like in on year. One thing is certain, however: many more Canadians will be leaving their wallets at home.


  • Kyle P. Heney

    Being a CIBC customer and non Apple user, I am upset that they have decided to support Apple Pay as opposed to a broader, cross-platform solution. I feel this not only limits their reach in the mobile payments market, but actually creates a feeling of being discriminated against for not using an Apple product. I’d be surprised if Canada’s competition bureau (or similar) isn’t watching this closely as Apple (and the banks) are effectively alienating non-Apple users and not allowing them to participate in the mobile payment space.

    • I have to agree — the mobile payment system should be an open standard that is the same regardless what ecosystem you, the user, wants to use.

    • How Emo

      The banks tried that but all the banks wanted their own apps. It failed!

    • Yes while that “experiment” failed, there has been success in interbank transfers in Canada — Interac. A mobile payment “Interac” is what’s needed.

    • How Emo

      I agree a unified solution would be best for everyone but with various hardware / security requirements, someone would need to step in and develop a solution that all OEMs would want to implement. Very doubtful.

    • gommer strike

      Excellent observation, because the banks are not incentivized to all co-operate with each other. Each of them would be fighting them own turf war. Look at how each of them tried to come up with own proprietary solutions, which only work for themselves and no one else.

      Takes a technology company to step in and level the playing field.

    • Graham Fluet

      The RBC Wallet app on my Moto X Play works perfectly. I couldn’t ask for a better solution.

    • gommer strike

      Glad to see it work out for you. I’m thrilled with Apple Pay because I don’t even have to unlock the phone, never mind even launch an app.

      The iPhone just buzzes me right from the lockscreen…I touch my thumb on TouchID…and bam it’s all done. That’s incredible.

      Mobile payments are preeeettttty good. Yes hello Krip.

    • Cornfed710

      Exactly, it’s the ultimate solution ????

    • thereasoner

      The banks just wanted to establish their own mobile payment services first before authorizing the others and they did exactly that.

      They also negotiated a sweet deal when compared to the US apparently.

    • gommer strike

      The banks didn’t have a common interest to create a unified solution. Banks and healthcare are notoriously change-averse and that’s why it takes technology companies to finally come up with solutions.

      The banks all tried to come up with all their own proprietary solutions that only work for their own bank. And remember CurrentC? Holy what a joke.

      Interac is nice and merchants love it, but Apple Pay does support adding your debit card in(and no, I wouldn’t do it, because I like an additional layer of a credit card). That said, Interac should have been the whole to present the unified solution that works for all banks, iOS/Android.

      They’ve also been around forever, long before smartphone was even a coined term. But why, after all these years, did Interac simply not come up with a solution? Why did it have to be Apple Pay to make it work, and on a global level?

      I think they simply didn’t have the expertise and/or didn’t hire/contract the right people to design and build a solution. And well now that mobile payment solutions are here – what’s the incentive for Interac to come up with own, now?

    • How Emo

      Ask Google to come out with a unified payment solution on their platform.

      I think with the fact there are so many different payment solutions (fragmentation). Google wallet, Samsung Pay and who knows what else.

      Apple’s solution ensures that there is a single process regardless which Apple product the card is used on.

      It’s like saying when tap first came out and only a few banks debit card supported it, they should have been investigated… Makes no sense. Someone has to be first. In this case it happens to be Apple. Others will come out.

      Before anyone flames that’s just how I see it. I’m not claiming to be right just throwing it out there.

    • Brownstar

      Google has a single solution, the openness of Android allows others to create their own. Choice is great so if I have a Samsung phone I could chose to use Google Wallet or Samsung Pay.

    • gommer strike

      Google has a single solution, but why is their solution is fragmented? Why isn’t Google advertising Google Wallet(after all McDonald’s of all places advertises Apple Pay right on the windows of the entry doors!).

      There’s an older MobileSyrup article which sums up the situation perfectly. For Android Pay to work on your phone, you have to have:

      1) A supported phone
      2) supported bank
      3) support carrier(wtf hey)

      All three of those factors must line up, or nope sorry you can’t use Android Pay on your phone. Here with Apple Pay, the only factors that matter are that your bank must support it, and the place you’re making a purchase from, and that’s it.

    • Stephen B Morris

      The carrier, bank, phone solution was the carrier’s and banks own doing not Google’s. Google Wallet and Android Pay perform a bit differently. Google’s problem was that their solution bypasses everyone and the carriers and banks were having none of that. RBC and TD figured out by using Android’s software based secure element they could cut out the carriers, but Android Pay technically isn’t in Canada yet. If it was, you could add whatever card you wanted and it would work. Apple Pay is faster to use from the way you describe. Very cool. #envy

    • thereasoner

      Google Wallet is no longer a mobile Payment service. It’s been relegated to a peer to peer payment service as Android Pay was created to take over mobile payment services.

    • gommer strike

      Samsung Pay is totally different technology. It’s actually far more simplistic, yet clever way of accomplishing(almost) the same thing as Apple Pay.

      It just mimics the NFC chip from your credit card. That’s all it does(which means it’s subject to Tap to Pay restrictions, such as the $100 limit enforced in many locations).

      The only thing that’s really available in terms of Android Pay right now, is the RBC/CIBC wallet solutions, although you do have to unlock your phone, launch the app, and finally select the credit card…begs the question whether you could have just pulled out your credit card and used it faster.

    • thereasoner

      Yeah, Samsung uses both NFC and the MST tech that they bought from Loop Pay and it works on older payment terminals that are magstripe only as well. Not needing a new NFC capable payment terminal for it to work is a huge advantage for Samsung Pay in terms of locations it can be used, especially in the States.

      I have the TD mobile payment app on my phone but I only use it for a back up in case I forget my wallet at home as I personally don’t find any mobile payment service more convenient than my card. As far as Android Pay goes, it will suffer the same NFC only restrictions that Apple Pay does when it eventually comes.

      That said, even if my Galaxy S6 gets Samsung Pay activated by Canadian Banks sometime this year as stated, they will have to offer me some kind of incentive to use it regularly as I’m accustomed to using cash mostly with only the occasional debit/credit card use.

    • Andrew

      Apple Pay and Android Pay are also subject to the Tap to Pay restrictions such as the $100 limit.

    • Domino67

      So if I had a iphone 5s I can use Apple Pay?

    • Mawhayden

      ApplePay works only on iPhone 5S if you have an Apple Watch . IPhone 6/6s, and 5SE can use Apple Pay Asa stand alone.

    • gommer strike

      ? I’m a little surprised why you’re asking this question? Shouldn’t you know? The iPhone 5S has a TouchID sensor, which is one of the key enablers behind Apple Pay.

      If it’s got TouchID – then it supports Apple Pay.

    • Domino67

      Obviously you didn’t catch the sarcasm…..Touch ID may be one of the key enablers to Apple Pay but so is NFC which the 5S does not have.

    • thereasoner

      Both Android Pay and Samsung Pay use the same tokenization process. Apple was just first to the bargaining table because Google was transitioning Google Wallet to a peer to peer service while creating Android Pay to take its place and Samsung Pay came along afterwards as well.

      All 3 services will be made available and now that Apple has finally conceded to the banks demands for a better deal the others who don’t collect any money at all shouldn’t be far behind.

    • ciderrules

      You have any proof “the others” don’t collect money? Or that Apple “conceded” to the banks? Or do you take rumors without evidence as fact? Reps for Interac and the banks all declined to comment on any financial details regarding fees. Only thing we do know is fees aren’t going up, so if Apple gets a cut it’s out of the existing fees.

      And the delay for Apple Pay (or any others) was because Interac needed to update their payment processing system. They stated it took them 18 months to do so. There have been multiple comments by reps for the banks and the Vice President of Interac about this. Interac had to develop a new Token Service Provider (their words) and that’s what took them those 18 months.

    • thereasoner

      The” financial details ” are in this article, try reading it, lol!

      As far as Samsung /Android Pay not collecting any part of the fees, that’s what I’ve been reading everywhere though I’m not sure why that is. All the payment services should get the same cut but apparently that’s not the case.

      Fair enough on the interact comments but it wouldn’t surprise me that the banks played a roll in the delay considering that they too were putting out mobile payment services.

    • It’s Me

      Google and Samsung can’t charge fees. Bank adoption would be even lower than it is. Gotta give it away for the banks to accept it but even that hasn’t helped in Canada yet. Since free hasn’t attracted the banks, maybe they can pay the banks to adopt their platforms.

    • thereasoner

      It’s already been stated that Samsung Pay is coming this year to Canada. As far as they and Android Pay not collecting any fees, please explain that to Cider as he questions that.

      BTW, Samsung Pay is supported by 75% of US banks the last I read and that’s not bad considering Apples head start in mobile payments. Even better is that users can make use of it in any establishment unlike Apple Pay support that is currently quite limited in the US due to the lack of modern POS terminals.

    • It’s Me

      Which Canadian banks exactly have said they are supporting Samsung Pay yet? Until the banks say it its just hot air.

      With $0 fees I wonder why only 75% of US banks signed on. Not worth the price?

    • thereasoner

      They’re still getting more banks signed on, 75% was the latest count and I’ve seen nothing anywhere that would indicate Samsung Pay is not coming, either from the banks or tech sites.

      You’re being a childish fanboy… again!

    • It’s Me

      Fanboy? LOL! I think Samsung pay is great. Much better than the compromise of HCE that Android Pay foists on you. Samsung actually did it right by going with the same direction Apple went with for security.

      I just wonder why when it’s free more aren’t on board. Free seems good.

    • thereasoner

      Yes you’re being a childish fanboy. Samsung has already said they are working with the banks here and that Samsung Pay will be available this year, I see no reason to believe otherwise as only a childish fanboy would.

      “I just wonder why when it’s free more aren’t on board”
      I also covered this when I said that Apple was first in its attempts to bring mobile payments here and as a result, first to get supported. Apple Pay was released in Oct. 2014, Samsung Pay came about much later in the summer of 2015 so how could Apple Pay not be ahead in bank adoption?

      Besides , Apple getting support from banks first won’t help the fact that it’s handcuffed by NFC only payments and that, as this article points out, people are reluctant to use it because its not supported in so many locations especially in the States.

      Question , are you one of Ciders accounts? I ask this because Cider conserves comments as much as he can on that account these days while many on threads like these have accused him of using other accounts to harass people with instead. Just curious as Cider went silent yet again while, you both have a child like obsession with anything Apple and you injected yourself into the conversation I was having with him like you’re just another one of his accounts or atleast his little biach. Either way, maybe you should consider a girlfriend instead of living your life vicariously through Apples marketing machine? You never know, you might like being normal for a change 🙂

    • It’s Me

      So no Canadian bank has claimed they will support it, even though it’s free. That’s just facts. Sorry they bother you so much.

      Once again, it is probably coming. But a lack of a denial is not confirmation. Even grade school kids have a better handle on logic and reason that you appear to. You hope it’s coming. You assume it’s coming. But no bank has said it’s coming. They make they rules and they decide if and when, not Samsung and not Apple.

      You are just being intentionally obtuse and dense again. Makes sense.

    • ShaBi

      From a person who just likes to read comments point of view, you’re more like the childish fanboy… again and again.

    • thereasoner

      How so? I have yet to buy from the same manufacturer twice in a row and I used to buy a new flagship every year. I’m a “fanboy” of no particular brand, I like them all including Apple devices. I just won’t buy from Apple anymore because of their disgusting anti-competition business practices and because of the manipulative douche bags who run that awful company.

      So how am I a “fanboy”?… and what about yourself? You claim to be someone who “just likes to read comments” yet have over 1,200 of them yourself and you keep them hidden from view no less. Hidden comments are a hallmark of the “fanboy”, what “fanboy” tendency are you trying to hide?

    • ShaBi

      You need to chill out, and get some fresh air.

    • thereasoner

      So you got nothing?

      Thanks for coming out…


    • ShaBi

      I see no reason to stress over an internet tough guy who comes out blazing, trying to start a fight over a matter of opinion.

    • ciderrules

      Samsung Pay is on less than 100 banks in the US. Apple Pay is closing in on 1,100. Samsung can brag their MST technology works on terminals without NFC, but not if your bank hasn’t supported it.

    • thereasoner

      This is just dumb. Last count has Samsung Pay supported by roughly 75% of US banks with more constantly being added. Canada, Australia and some European countries are all slated for activation this year as well.

      Meanwhile Apple Pay had their head start in getting bank approval but users can’t use it in the vast majority of retail locations in the United States. It’s so bad that users either “forget” or don’t bother because they don’t know if it’s supported as this article points out. Even in countries like Canada where NFC terminals have been around for a decade or more are still only at 63% of payment terminals NFC capable!

      Apple Pay is going to be a pain in the arse for those trying to figure out where they can use it while Samsung Pay users have no problem wherever they are! What good is having all the banks on board first when users can’t make use of the Apple Pay service anyway? At least Samsung will have gained country/bank support most everywhere by the end of this year and eventually catch up , Apple Pay on the other hand will never be able to match Samsung Pay for locations it can be used!

    • Mawhayden

      What are you talking about, I am an American working in Canada, and I find I can use Apple Pay/NFC on my iPhone 6 more places in Toronto than in the US. I think you are stating your opinion only…

    • thereasoner

      I think that you have difficulty with reading comprehension as apparently you can’t understand,

      – “users can’t use it in the vast majority of retail locations in the United States”
      or that Canada is at
      – “63% of payment terminals NFC capable”

      So doesn’t it go without saying that Apple Pay can be used in far more locations in Canada?

    • Mawhayden

      I am sorry if I misspoke the specific ease of use in Canada. What I was inferring is that NFC penetration is higher in Canada than the US. My god , the US still doesn’t have Chip and PIN enabled only Chip and sign. This is after over 4 years of notices and upgrades in the US. Thus, the US has a lot more Non NFC terminals thus having a much smoother transition of the Samsung Pay system.

      In Canada, the NFC system is more robust and up to date, therefore letting ApplePay and AndroidPay to have a much easier and faster adoption with the centralized Banking system in Toronto, Apple was able to creat an agreement with the major banks to totally Intergreat the payment process with ApplePay and provide that additional security with the banks. This is a separate agreement that Apple has and neither AndroidPay or SumsungPay has yet (Mid to late 2016). I believe all user will be winners either Apple or Android/Samsung pay. Isn’t that the whole point of all this…good for the masses not just a few…

    • Lil’ Cryin’ Loser Cowar-Boi

      Innit. MOAR winnin’!

    • Whaaa Whaaaa Flagging Cowards

      Go back to infesting TB you dirty slag…

    • Mister Kim in Shitty Wok!

      You do MISOGYNY!
      I flag you! I flag you GOOOOOD!!!

    • Whaaa Whaaaa Flagging Cowards

      Cry moar ya hypocrite clown

    • Lil’ Cryin’ Loser Cowar-Boi

      Suck MOAR, loser.

    • Whaaa Whaaaa Flagging Cowards

      Hahahaahahaha. This clown and her twenty accounts are sooooo buttthurtt


      Why not iBGR?

    • Whaaa Whaaaa Flagging Cowards

      Why not your life? Wait… you don’t have one

    • ciderrules

      Please provide an OFFICIAL source stating anything about fees. All I see are rumors from people “familiar with the situation.”

      That’s code for “I don’t know do I’m going to make something up.”

    • It’s Me

      Neither Android pay nor Samsung pay charge the fees. They both originally intended to but decided it was better not to charge fees in order to drive bank adoption. Can’t charge if no one will pay. Their price still hasn’t made it attractive enough to sign on yet though. Even free isn’t cheap enough.

      Also, now that visa and MasterCard have rolled out their own global tokenization system anyone (Samsung and Google) that couldn’t create their own have to piggyback on that and might be therefore prohibited from collecting fees. Apple creates their own so they can dictate fees for it. In Canada Interac recently deployed their own token service as well and they demanded Apple use it too, which is what caused a the delay. But even with that the banks have to pay Apple. Really, it was our banks that conceded that not the other way around.

    • ciderrules

      That “global tokenization” you refer to is EMVCO tokenization.

      Apple did NOT create their own tokenization system. They use EMVCO. Apple just happened to be the first to use this system. Interac haven’t said what they use, but it’s a given they also adopted EMVCO. It makes no sense for Interac to create their own system. It also makes no sense for Apple to have to then modify their system to use this new custom Interac version for such a small market as Canada.

      The reason there have been delays for banks is they need to update their back end software to support EMVCO. Apple doesn’t change Apple Pay for each bank/country – the banks/countries update their processing to handle EMVCO, which then allows Apple Pay to work.

    • It’s Me

      Jennifer Bailey is Apple’s vice-president of Apple Pay:

      Bailey said the integration with Interac, which is part of Tuesday’s roll-out, was one of the major reasons for the delay in expanding Apple Pay.

      “Adding a new network to Apple Pay’s platform takes new work for both Apple and the network itself,” she said. “All of the partners — the banks, Apple and the networks — have to build up this new integration and do full testing.”

      For the Apple Pay launch, Interac developed an Interac Token Service Provider (TSP) that generates secure tokens for transactions. The token is encrypted, meaning without the key it is meaningless to third parties.

      “We have been working on it for a year and half,” said Avinash Chidambaram, Interac’s vice president of product and platform development. “But we have also been working with Apple to educate them on the Canadian market [and] highlight our ubiquity.”

      It is Interac’s TSP and Apple’s own encryption technology that the California-based company says makes Apple Pay one of the safest and most private ways to make transactions, particularly in a time when encryption, data leaks and privacy breaches are top of mind.


      Both Apple’s tokenization service and Interacs may be based on the EMVCO standard, they are separate implementations. Apple conceded to Interac (owned by the Canadian banks) and added their network to Apple pay for Canada.

    • ciderrules

      You have to learn to separate pat-yourself-on-the-back press releases from how things actually work. Interac couldn’t have said “we’ve been using an inferior and less secure system for years, and recently upgraded it” so they have to make it sound like its something new.

      Apple did the same with Apple Pay when they announced it (made it seem they created a payment system) even though it was mostly the work of EMVCO.

    • It’s Me

      This was hardly a pat yourself on the back statement. This was Apple admitting that the unnecessary delay was because they had to integrate Interac’s tokenization.

    • It’s Me

      Unfortunately, there is almost no such thing without compromises. The security requirements involved dictate that either it is really secured with tamper proof hardware or a compromise is made to move security into the cloud. Unless every OEM wants to implement compatible hardware, then a common hardware solution won’t happen. HCE is the next best option but then there is the choice of which one do you go with, each with its own trade offs.

    • duderaf

      apple pay for android now theres an idea… I’m sure as time goes on there will be more mobile devices that support this either via google, banks themselves or 3rd parties

    • gommer strike

      Yes that can happen, but it needs to happen on a specific range of handsets and further, the fingerprint mechanism said phone needs to contain the equivalent of a Secure Enclave so it cannot be compromised(easily).

      Using Apple Pay on the iPhone(once you actually use it yourself) is pretty crazy on how well it works. I was shocked. You just place your order, hold the phone close…it vibrates, alerting you to place your thumb on TouchID…and bam less than a second your purchase is done.

      I thought it was just a gimmick until I used it for myself. Wow. Unlike so many other wallet solutions, you do not need to unlock your phone and launch any app. You do it all right from the lockscreen. If Apple can make it look and work exactly like that from an Android phone…my god.

    • gommer strike

      Actually since CIBC supports Apple Pay, it means that they open up the needed mechanisms in order to support other payment solutions, such as Google Wallet(or Android Pay).

      It means that more and more companies(such as the dirt-cheap vendors who have NFC support on their handhelds, but disable them), are going to feel more and more obliged to support tap-to-pay(which is needed as a prerequisite for Apple Pay AND Google Wallet).

      What’s good for Apple Pay, is good for Android. Don’t forget that. Just make sure that the phone you buy has NFC support(looking at you, OnePlus).

    • ciderrules


      Apple Pay is built using the EMVCO tokenization system invented by, well, the credit card companies themselves.

      It’s an INDUSTRY STANDARD. If it wasn’t, there’d be no way for Apple Pay to work. I don’t know how Apple can get in trouble with the competition bureau for using this industry standard payment processing method.

    • Mr Dog

      Apple presented a solution for their hardware and the banks adopted, there is nothing non-competitive about it.

      All Apple really did was implement a cross-platform solution that already existed and made the effort to work with interact and banks to get it working on their hardware.

      Google needs to step up and at least make an attempt to bring Android Pay here.

    • thereasoner

      Relax, both Samsung Pay and Android Pay are coming. They just have to wait their turn as Apple was first to negotiate these types of Payment services.

    • FlamesFan89

      Just an FYI, despite Google having the most comprehensive mapping service in the history of the planet, they have yet to learn of the existence of Canada. In other words, don’t hold your breath on Android Pay.

    • mjh49783ab

      As a CIBC customer, and a non-Apple user myself, I’m also feeling frustrated with this decision.

    • xeronine992

      You had my sympathies until you threw in the remark about a better phone.

      At least you had the option to do mobile payments before (and still do).

    • Mr Dog

      Go contact the maker of your superior phone, they are the ones that are responsible for bring features.

      Not our fault your ‘better phone’ does not have access to this feature

    • mjh49783ab

      Yeah, only in Canada would they use that excuse, to ‘contact the maker’, while banks here stand in the way of the feature being implemented in the first place.

      Meanwhile, you don’t even see this problem in the US.

      Want to try that again, Mr Dog?

    • Mr Dog

      Banks don’t seem to be the ones in the way anymore.

      The Banks agreed to PAY apple for us Canadians to have this feature. While Samsung and Android don’t require a payment from my understanding. So the banks are most definitely not the ones at fault here.

      It is just that Goole and Samsung don’t seem to have interest in brining those features here. Even in the US actually, you don’t hear as much about Samsung Pay or Android Pay.

      Heck, I don’t think Android Pay has been deployed anywhere outside of the US. Yet, we have Apple Pay in Canada, Europe and Australia.

      You would think that Google being first with NFC payments, would have given them the chance to capitalize on it.

    • It’s Me

      Just because the banks can get it for free doesn’t mean it isn’t still the banks causing the delay. Beyond costs the banks will have other issues they want resolved. For Apple, it was for Apple Pay to use Interac’s tokenization service instead of just Apple’s. I expect the same demand has been made of Samsung and Google, but that shouldn’t be an issue since neither has their own tokenization services and would have to piggyback on Interac anyway.

      For Android Pay, my guess is that the banks don’t want the customer info and customer payment info to be controlled by and mined by Google. May actually be a legal requirement in Canada. I expect Samsung pay is much less invasive with customer data that Android Pay is, so that delay may just be because Samsung was late to the game.

    • Zach Gilbert

      CIBC already supports the cross platform mobile solution sure tap. They also support mobile payments via their own mobile banking app on android. So it’s only natural for them to want to off a mobile solution on the iOS platform.

    • mjh49783ab

      But what is the point, if the app only supports CIBC and Rogers Bank credit cards? I’d hardly call that ‘cross platform’.

      I could say that UGO wallet app is ‘cross platform’ as well, but what good is it if it’s only good with PC Financial cards, or perhaps only with TD credit cards if your network carrier is Bell? Or Virgin Mobile?

      It’s a mess!.

    • It cost too much for banks to do that. They seen that US companies already threw money at building the network out.

      The only way the banks could really get a unified solution is if they spent the money to build out software and hardware (phones) that they all agree on and then we all buy it to use. Not gonna happen but that would be the best unified way other than a magical company coming in and getting everyone to band together for our good and not their own.

    • Mawhayden

      Your argument is flawed due to the fact that samsungPay and android pay are. Coming later on this year, Apple was just first to get the agreements with the banks. The issue is to do with banks and the mobile payments systems. This has nothing to do with Android or Apple, so don’t get into an Apple flame war

    • Tyrannosaur3464

      Broad? You don’t call 44% of smart phone users having access to this broad?

  • CanadianGuy37

    I’m just siting here waiting for Samsung Pay to come out for my S7. I just hope it launches with good bank support or I’ll be very disappointed. I assume the worst though.

    • thereasoner

      Same here with the Galaxy S6 but in the meantime I have my banks mobile payment service set up as a backup for those very rare days I forget my wallet.

      Frankly, I’m not sure that I would use Samsung Pay anymore often either but it would be better as a backup still because it will work on all payment terminals unlike Apples NFC only Apple Pay or my banks current setup.

    • Mister Ho!

      Ooooh! You pay cash, dude-bro an’ you can have whatever you want…?

  • ciderrules

    Lots of my co-workers are already using Apple Pay even though most never actually understood what it was, and why they should use it over tapping cards.

    When I explained that you no longer have to worry about getting your card skimmed (since your card number is never used, but a token instead) they were suddenly VERY interested. Almost everyone has either had a fraudulent transaction on a credit card or knows someone who has. Apple Pay will greatly reduce credit card fraud as crooks no longer have an easy way to get card numbers.

    Based on their reactions and early feedback from using Apple Pay I think it’s going to be a huge hit. Apple just needs to better advertise the benefits.

    I’m waiting on TD Bank so I can start using it. Almost all of my transactions are tap & pay already since most of the places I shop support it. Only time I need to use my actual card by inserting is for purchases over $100.

    • Whaaa Whaaaa Flagging Cowards

      You get your arse handed to you over at BGR so you come hide out here?

    • Lil’ Cryin’ Loser Cowar-Boi

      Lol! The irony is off the scale….

    • Whaaa Whaaaa Flagging Cowards

      Oh, you mean the scale you broke tubby? You know… with your weight AND your hypocrisy


      Cider isn’t allowed to come here without your approval??

    • Whaaa Whaaaa Flagging Cowards

      He got owned on BGR like you do on a daily basis

    • Mister Kim in Shitty Wok!

      Well YOU know what is like, hah, fat Cowar?!?


      That’s that’s true Mr. KSW

    • Mister Kim in Shitty Wok!

      There will be ‘Big Trouble in Little China’ now, dude-bro!!!

    • SaIIy Mae


    • Whaaa Whaaaa Flagging Cowards

      Naaaaw…. i’m still on BGR… unlike you. Hahahaahah Heatfan banned the fuq out of you….

  • mjh49783ab

    Boooo! Give me Samsung Pay! (or at least Android Pay) Not everyone has an iPhone here!

    • Mister Kim in Shitty Wok!

      You no have?!? I have copy made in Wan King in China!
      Is better than iPhone!!!

    • Whaaa Whaaaa Flagging Cowards

      R@cist garbage…. flagged and reported!

    • Mister Kim in Shitty Wok!

      Hah?!? I flag you! I flag you good!!!

    • Whaaa Whaaaa Flagging Cowards

      Pot? Kettle?

    • Lil’ Cryin’ Loser Cowar-Boi

      Take a hike, fatty.

    • Mister Kim in Shitty Wok!

      …and he GO!!!

    • Whaaa Whaaaa Flagging Cowards

      You first…. got back to infecting TB


      Ditto! F&R’d you Fatties.

    • Mister Ho!

      Fatties gone. He so stoopid! He NEVER learn, innit?!?

    • SaIIy Mae

      Hahahaah speaking of… I flagged this slag over at BGR and now she is here doing the same bullshiiiit.. is it time to whack you with the ban hammer?

    • Whaaa Whaaaa Flagging Cowards

      Awwww…. gutless

  • jay

    If the banks would of made a Mobil app before and not trying with carrier credit cards and all that we would be fine now

    • It’s Me

      Except it would fragmented between all banks in Canada and around the world.

      In the case of mobile payments and security, the only way to be “common” would be to do a lowest common denominator solution. The carrier SIMs were one LCD option and HCE is the next. Neither is ideal. Samsung and Apple both did it right, which means custom hardware to provide the security. Maybe Samsung will provide this to others.

  • I just use my RBC Visa (tapping) regularly.

    I must be old or ignorant, but I fail to see the earth shattering innovation with Apple Pay.

    Can someone explain to the tangible benefits / difference between Apple pay and the tap feature built into the existing credit / debit cards?

    • It’s Me

      Tap and pay cards are horribly insecure. At least if (when) someone skims your tap credit card your card company will back you for the fraudulent charges. Your debit card won’t. Paying with Apple Pay is as quick and convenient as tap and pay cards with the security of chip and pin (more actually).

      More trivially, it also means not having to fumble with two hands to get your card from your wallet and put it back afterwards. It means not having to put your wallet down while using chip and PIN. It means not having to put away your phone that you were using while in line to then retrieve your wallet and cards, you just pay and leave.

      It’s not earth shattering. It’s just combining and extending the convenience of tap and the security of chip/PIN.

      It also means not sharing your purchasing history with 3rd parties the way some other options do.

  • Pingback: What Apple Pay means for mobile payments in Canada - Tech - TheNextShare()

  • jones19876

    I suppose it’s nice for those with an iPhone. As an Android user, it simply does not concern me, it’s not like I will go out and change phones only to use Apple Pay.

    • It’s Me

      But it does mean that a proper solution for Android might be allowed sooner now that Apple Pay has been allowed.

    • FlamesFan89

      Unfortunately, at least in terms of Android pay, as I said elsewhere, despite Google operating the most detailed, extensive mapping service in the history of humankind, they have somehow not yet learned of the existence of this small little place called Canada. But who can blame them, I mean it’s such a tiny little blip on a map, and apparently its only home to people riding dog sleds and living in igloos, so there likely aren’t any smartphones there.

    • It’s Me

      The people I know that work at Google here in Canada would disagree.

      I don’t think the delay for Android pay is due to Google neglecting us. I honestly think it is due to privacy concerns the banks have.

    • FlamesFan89

      Sorry, I forgot the sarcasm tag, though I would have thought it was brutally, and painfully, obvious.

    • It’s Me

      Sarcasm was obvious. Your point wasn’t.

    • FlamesFan89

      To provide a chuckle. Is that not allowed anymore?

    • It’s Me

      Sure, but you made made two separate posts about Google ignoring Canada. Figured that might actually be your concern.

      Guess it’s specific type of humour.

    • FlamesFan89

      I heard a rumour that George Carlin once told the same joke twice. Four people died of shock related injuries.

    • It’s Me

      Was his joke funny?

    • FlamesFan89

      Not nearly as funny as mine.

    • It’s Me


  • FlamesFan89

    “and Android Pay, if Google’s mobile payment solution launches in Canada at some point in the near future.”

    Bwah ha ha ha ha ha. Silly human. Google doesn’t yet know of Canada’s existence. “launches in Canada” hooo, that’s a good one.

  • Pingback: Apple Pay Expands to Canada – CoCard()

  • jay

    I have a galaxy note and I can pay already for quit sometime. I know is apple so just the name is a big thing now.

    • It’s Me

      Except that unless you are using Samsung Pay, you are using an inferior implementation. And if you use Canadian banks, then you are not using Samsung Pay. Apple is getting attention because of their name, but also because they did it right and because banks are actually signing on.

  • RafaelPernia

    It’s frustating at least, as I think that it was Android who pushed first and began using the NFC technology and the google wallet app has been around for years but then again, they fail. They have great ideas but just can’t make it happen.

    • It’s Me

      It was completely lacking in security and convenience so few, if any, banks singed on. With Android Pay (and Samsung Pay) they are finally getting it right so you should expect to see it be more successful now.

      There was a reason some big players stayed out of NFC payments. Getting in before it was useful wasn’t a great idea.

  • Pingback: Future Chat 99 – TD, Hurry up! – Unwind Media()

  • Pingback: ATB Financial debit cards are now supported by Apple Pay | Daily Update()