Apple Pay来了 和微信、支付宝相比谁更好用?

    |     2016年2月18日   |   业界资讯   |     2 条评论   

图片来源:视觉中国

中国科讯网消息:Apple Pay终于登陆中国了,苹果手机用户从2016年2月18日起可以使用手里的手机享受购物的便捷。

此前,中国的IT巨头腾讯阿里,纷纷借助微信和支付宝展开移动端线下支付大战。阿里为了自己的支付宝业务,不惜在农历春节砸下11亿元红包,只为培养用户的支付习惯。

艾瑞咨询2015年11月发布的报告显示,随着电商业务、航空旅游以及网游等业务的飞速发展,去年二季度中国移动支付交易规模达2.29万亿元。如今,Apple Pay、微信、支付宝三方大战,未来谁将雄踞首位,目前暂时还很难定论。但是三者在支付方面还是体现了很大不同。界面新闻记者亲自体验了Apple Pay的支付业务以后,发现三者的不同主要体现在绑卡、支付以及群体使用三方面。

一、绑卡环节

在绑卡方面,Apple Pay对于银行卡的发行方并不做要求。可以绑定的银行卡不仅限于本人名下的银行卡,还可以绑定自己家人的银行卡,只要在最后的验证环节,输入正确的手机验证码就可以完成激活。

请注意,该环节,Apple Pay不需要用户输入密码等内容。

微信和支付宝在绑定银行卡的环节基本是一致的。与Apple Pay相比,绑定环节非常大的不同在于,微信和支付宝用户只能绑定与自己真实身份相一致的银行卡,用户是无法在自己的账户内绑定他人银行卡的。

此外,微信和支付宝对于绑定的银行卡有数量限定,微信最多可以绑定10张银行卡,支付宝最多可以绑定18张银行卡。Apple Pay对于银行卡的绑定数量目前暂未做规定。

当然,微信与支付宝也有一点不同。就是微信用户在绑定银行卡的时候,要求先输入自己的支付密码,否则,无法完成添加。

二、支付环节

微信和支付宝在支付环节,都是通过商家用扫码枪扫描二维码的方式完成支付。发生小额支付的时候无需用户输入自己的银行卡密码,相对便捷一些。

微信用户如果需要支付超过1000元以上的支付,或者支付宝用户超过2000元的支付,就需要银行卡密码验证。

Apple Pay由于可以绑定他人的银行卡,因此在支付环节添加了银行卡密码验证。用户在支付的时候,需要自己将苹果手机贴近商家提供的支付设备,下图中的红框。

注意,在贴近设备的时候,需要同时在苹果手机按住Home键输入你的指纹。此后,还需要用户输入相关银行卡的密码以完成最终支付。

三、关于使用群体和范围

从支持的商家来看,毫无疑问,支付宝和微信,现在远远优于Apple Pay。成千上万家商户支持支付宝和微信支付。Apple Pay的支持商家,目前仅限于肯德基等16家。

后续还将有包括COSTA在内的6家商家加入。这个数量显然无法与微信、支付宝等相比。当然,由于苹果手机的用户都会需要苹果的App下载软件,使用iTunes下载自己喜欢听的音乐,这些内容如果有了Apple Pay,一切就会显得更为便捷。在苹果App这个封闭环内,支付宝和微信是无法介入的。

从使用群体来看,苹果手机的用户一样可以使用支付宝或者微信完成支付。当前安卓手机的市场占有率超过80%,特别是在中国三线城市以下乃至乡村地区,使用苹果产品的人群更少,这意味着Apple Pay在这些区域几乎无用武之地。当然,在高端的消费领域,如旅游、酒店、高档购物场所,苹果手机的市场潜力值得憧憬。

除以上三方面不同外,微信和支付宝目前都包含了转账功能,包括银行卡转账以及偿还信用卡等。但是,Apple Pay目前的功能仅限于支付,

最后,是关于安全性的考虑。Apple Pay在绑定银行卡的时候没有使用银行卡密码验证,但是在后端支付环节,通过指纹以及银行卡密码交叉验证的方式,实现账户安全。苹果手机独有的“查找我的iPhone”也可以帮助用户有效消除安全担忧。

微信和支付宝,通过有限度地让渡使用安全换取用户的便捷(比方小额支付无需验证银行密码),以此来吸引用户。但是由于支付宝和微信都可以通过其他客移动端登录的方式尽快修改密码以限制登录,从而有效防止移动端丢失所可能带来的损失;而且发生大额支付,需要验证密码,因此,安全性也不存在问题。(来源:界面)

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