Moolele
2021-10-06
Apple terms
Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>
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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":829374413,"tweetId":"829374413","gmtCreate":1633477877640,"gmtModify":1633477878204,"author":{"id":4090105190802310,"idStr":"4090105190802310","authorId":4090105190802310,"authorIdStr":"4090105190802310","name":"Moolele","avatar":"https://static.tigerbbs.com/35190aa5aecb0245091a30761db693d3","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":56,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body><p>Apple terms</p></body></html>","htmlText":"<html><head></head><body><p>Apple terms</p></body></html>","text":"Apple terms","highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/829374413","repostId":1124090793,"repostType":4,"repost":{"id":"1124090793","kind":"news","pubTimestamp":1633476226,"share":"https://www.laohu8.com/m/news/1124090793?lang=zh_CN&edition=full","pubTime":"2021-10-06 07:23","market":"us","language":"en","title":"Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1124090793","media":"The Wall Street Journal","summary":"Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to peop","content":"<p>Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter</p><p><blockquote>据知情人士透露，银行正在推动Visa改变其处理部分苹果支付交易的方式</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5b201168cb7830b0f88d3337a07cc5bf\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Under a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</span></p><p><blockquote><p class=\"t-img-caption\"><span>根据Visa的一项计划，发卡机构在持卡人使用苹果支付时向苹果支付的费用不适用于健身房会员资格和流媒体服务等自动定期付款。</span></p></blockquote></p><p> Banks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.</p><p><blockquote>2014年苹果支付移动钱包首次亮相时，银行纷纷与之合作。他们有些遗憾。</blockquote></p><p> When Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.</p><p><blockquote>当苹果Pay推出时，这家科技巨头让摩根大通(JPMorgan Chase&Co.)、第一资本金融公司(Capital One Financial Corp.)和美银(Bank of America Corp.)等大银行同意支付费用，允许持卡人通过iPhone支付。但据知情人士透露，一些银行对这些成本越来越不满，尤其是在苹果公司于2019年推出自己的新信用卡之后。</blockquote></p><p> Some banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.</p><p><blockquote>据一些知情人士透露，一些银行正在反击，促使卡网络Visa Inc.改变其处理某些苹果支付交易的方式。这一变化将削减银行向苹果支付的费用。</blockquote></p><p> Visa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.</p><p><blockquote>据知情人士和《华尔街日报》看到的一份文件称，Visa计划明年实施这一变化。知情人士称，苹果高管已告诉Visa高管，他们反对这一变化。两家公司正在讨论，计划中的改变可能不会生效。</blockquote></p><p> Currently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</p><p><blockquote>目前，当持卡人使用苹果支付时，银行会向苹果支付费用。根据计划中的新流程，这些费用将不适用于健身房会员资格和流媒体服务等自动经常性付款。</blockquote></p><p> The dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.</p><p><blockquote>这场争端反映了科技和金融巨头之间长期存在的紧张关系。苹果和Amazon.com Inc.等公司多年来一直在扩大消费者支付业务。银行经常急于与他们达成交易，害怕被抛在后面。但这些交易并不总是成功：例如，Alphabet公司旗下的谷歌正在放弃向用户推销银行账户的计划。</blockquote></p><p> Apple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”</p><p><blockquote>苹果在一份声明中表示，“我们的银行合作伙伴是苹果支付增长的重要组成部分。”</blockquote></p><p> “Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.</p><p><blockquote>该公司表示：“我们的银行合作伙伴继续看到提供苹果支付的好处，并投资于新方法，向客户实施和推广苹果支付，以实现安全、私密的店内和在线购买。”</blockquote></p><p> Major networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.</p><p><blockquote>包括Visa和MasterCard Inc.在内的主要网络是银行和苹果支付之间的有效网关，因为它们可以帮助银行卡加载到移动钱包中。这一变化将适用于Visa品牌的卡，但其他网络也可能效仿。</blockquote></p><p> Mobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.</p><p><blockquote>移动钱包是智能手机应用程序，人们可以在上面加载借记卡或信用卡凭证，并使用手机而不是有形的卡进行支付。交易从购物者的卡中扣除。</blockquote></p><p> When Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.</p><p><blockquote>当苹果在2014年推出苹果支付时，iPhone已经击败了音乐播放器、相机和GPS系统。银行和信用卡网络担心它也会取代信用卡支付。</blockquote></p><p> Banks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.</p><p><blockquote>银行同意向苹果支付其信用卡持卡人每次购物的0.15%。（他们为借记卡交易支付单独的费用。）据知情人士透露，这些费用占了苹果数字钱包收入的大部分。</blockquote></p><p> The terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.</p><p><blockquote>这些条款有可能为苹果带来独特的利润。银行不会向谷歌支付钱包费用。</blockquote></p><p> Visa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.</p><p><blockquote>据知情人士透露，Visa和Mastercard还同意给予苹果一项不同寻常的让步：苹果将能够选择允许哪些发卡机构使用苹果支付以及接受哪些发卡机构的卡。Visa和Mastercard通常要求接受其信用卡的实体必须接受所有信用卡。知情人士称，苹果同意不开发与Visa和Mastercard竞争的信用卡网络。</blockquote></p><p> But since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.</p><p><blockquote>但从那时起，客户采用苹果支付的速度比银行和卡网络高管预期的要慢。知情人士称，当苹果于2019年与高盛集团(Goldman Sachs Group Inc.)推出自己的信用卡时，一些银行高管感到愤怒，因为这让苹果成为了更直接的竞争对手。</blockquote></p><p> Apple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”</p><p><blockquote>苹果在一份声明中表示，它“与近9,000家银行合作伙伴密切合作，为近60个国家和地区的客户提供苹果支付服务”。</blockquote></p><p> Visa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.</p><p><blockquote>近几个月来，Visa至少与一些银行分享了其计划中的技术变革。《华尔街日报》审阅的一份解释新流程的文件没有提及费用，但详细介绍了Visa为移动钱包支付发行的所谓代币的变化。</blockquote></p><p></p><p> When consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.</p><p><blockquote>当消费者将信用卡加载到苹果支付时，Visa会发行一个特殊的代币来代替卡号。这使得该卡可以在苹果支付上运行，也有助于在潜在的数据泄露中保持该卡的安全，以及其他好处。</blockquote></p><p> Visa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.</p><p><blockquote>Visa计划开始在定期自动支付中使用不同的代币。这实际上意味着，在订阅首次付款后，苹果将不会在以下交易中收取费用。</blockquote></p><p> Some big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.</p><p><blockquote>据知情人士透露，一些大银行此前曾试图在2017年左右降低苹果薪酬，但没有成功。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple Pay Fees Vex Credit-Card Issuers<blockquote>苹果支付费用激怒了信用卡发卡机构</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-10-06 07:23</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter</p><p><blockquote>据知情人士透露，银行正在推动Visa改变其处理部分苹果支付交易的方式</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5b201168cb7830b0f88d3337a07cc5bf\" tg-width=\"1290\" tg-height=\"859\" width=\"100%\" height=\"auto\"><span>Under a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</span></p><p><blockquote><p class=\"t-img-caption\"><span>根据Visa的一项计划，发卡机构在持卡人使用苹果支付时向苹果支付的费用不适用于健身房会员资格和流媒体服务等自动定期付款。</span></p></blockquote></p><p> Banks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.</p><p><blockquote>2014年苹果支付移动钱包首次亮相时，银行纷纷与之合作。他们有些遗憾。</blockquote></p><p> When Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.</p><p><blockquote>当苹果Pay推出时，这家科技巨头让摩根大通(JPMorgan Chase&Co.)、第一资本金融公司(Capital One Financial Corp.)和美银(Bank of America Corp.)等大银行同意支付费用，允许持卡人通过iPhone支付。但据知情人士透露，一些银行对这些成本越来越不满，尤其是在苹果公司于2019年推出自己的新信用卡之后。</blockquote></p><p> Some banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.</p><p><blockquote>据一些知情人士透露，一些银行正在反击，促使卡网络Visa Inc.改变其处理某些苹果支付交易的方式。这一变化将削减银行向苹果支付的费用。</blockquote></p><p> Visa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.</p><p><blockquote>据知情人士和《华尔街日报》看到的一份文件称，Visa计划明年实施这一变化。知情人士称，苹果高管已告诉Visa高管，他们反对这一变化。两家公司正在讨论，计划中的改变可能不会生效。</blockquote></p><p> Currently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.</p><p><blockquote>目前，当持卡人使用苹果支付时，银行会向苹果支付费用。根据计划中的新流程，这些费用将不适用于健身房会员资格和流媒体服务等自动经常性付款。</blockquote></p><p> The dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.</p><p><blockquote>这场争端反映了科技和金融巨头之间长期存在的紧张关系。苹果和Amazon.com Inc.等公司多年来一直在扩大消费者支付业务。银行经常急于与他们达成交易，害怕被抛在后面。但这些交易并不总是成功：例如，Alphabet公司旗下的谷歌正在放弃向用户推销银行账户的计划。</blockquote></p><p> Apple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”</p><p><blockquote>苹果在一份声明中表示，“我们的银行合作伙伴是苹果支付增长的重要组成部分。”</blockquote></p><p> “Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.</p><p><blockquote>该公司表示：“我们的银行合作伙伴继续看到提供苹果支付的好处，并投资于新方法，向客户实施和推广苹果支付，以实现安全、私密的店内和在线购买。”</blockquote></p><p> Major networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.</p><p><blockquote>包括Visa和MasterCard Inc.在内的主要网络是银行和苹果支付之间的有效网关，因为它们可以帮助银行卡加载到移动钱包中。这一变化将适用于Visa品牌的卡，但其他网络也可能效仿。</blockquote></p><p> Mobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.</p><p><blockquote>移动钱包是智能手机应用程序，人们可以在上面加载借记卡或信用卡凭证，并使用手机而不是有形的卡进行支付。交易从购物者的卡中扣除。</blockquote></p><p> When Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.</p><p><blockquote>当苹果在2014年推出苹果支付时，iPhone已经击败了音乐播放器、相机和GPS系统。银行和信用卡网络担心它也会取代信用卡支付。</blockquote></p><p> Banks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.</p><p><blockquote>银行同意向苹果支付其信用卡持卡人每次购物的0.15%。（他们为借记卡交易支付单独的费用。）据知情人士透露，这些费用占了苹果数字钱包收入的大部分。</blockquote></p><p> The terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.</p><p><blockquote>这些条款有可能为苹果带来独特的利润。银行不会向谷歌支付钱包费用。</blockquote></p><p> Visa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.</p><p><blockquote>据知情人士透露，Visa和Mastercard还同意给予苹果一项不同寻常的让步：苹果将能够选择允许哪些发卡机构使用苹果支付以及接受哪些发卡机构的卡。Visa和Mastercard通常要求接受其信用卡的实体必须接受所有信用卡。知情人士称，苹果同意不开发与Visa和Mastercard竞争的信用卡网络。</blockquote></p><p> But since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.</p><p><blockquote>但从那时起，客户采用苹果支付的速度比银行和卡网络高管预期的要慢。知情人士称，当苹果于2019年与高盛集团(Goldman Sachs Group Inc.)推出自己的信用卡时，一些银行高管感到愤怒，因为这让苹果成为了更直接的竞争对手。</blockquote></p><p> Apple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”</p><p><blockquote>苹果在一份声明中表示，它“与近9,000家银行合作伙伴密切合作，为近60个国家和地区的客户提供苹果支付服务”。</blockquote></p><p> Visa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.</p><p><blockquote>近几个月来，Visa至少与一些银行分享了其计划中的技术变革。《华尔街日报》审阅的一份解释新流程的文件没有提及费用，但详细介绍了Visa为移动钱包支付发行的所谓代币的变化。</blockquote></p><p></p><p> When consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.</p><p><blockquote>当消费者将信用卡加载到苹果支付时，Visa会发行一个特殊的代币来代替卡号。这使得该卡可以在苹果支付上运行，也有助于在潜在的数据泄露中保持该卡的安全，以及其他好处。</blockquote></p><p> Visa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.</p><p><blockquote>Visa计划开始在定期自动支付中使用不同的代币。这实际上意味着，在订阅首次付款后，苹果将不会在以下交易中收取费用。</blockquote></p><p> Some big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.</p><p><blockquote>据知情人士透露，一些大银行此前曾试图在2017年左右降低苹果薪酬，但没有成功。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317?mod=hp_lead_pos3\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BAC":"美国银行","V":"Visa","COF":"第一资本","AAPL":"苹果","MA":"万事达","JPM":"摩根大通"},"source_url":"https://www.wsj.com/articles/apple-pay-fees-vex-credit-card-issuers-11633449317?mod=hp_lead_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1124090793","content_text":"Banks are nudging Visa to change the way it processes some Apple Pay transactions, according to people familiar with the matter\nUnder a plan by Visa, the fees that card issuers pay to Apple when their cardholders use Apple Pay wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.\nBanks rushed to work with the Apple Pay mobile wallet when it debuted in 2014. They have some regrets.\nWhen Apple Pay launched, the tech giant got big banks including JPMorgan Chase & Co.,Capital One Financial Corp. and Bank of America Corp. to agree to pay fees that would allow their cardholders to pay by iPhone. But some banks have grown unhappy with the costs, especially after Apple Inc. introduced its own new credit card in 2019, according to people familiar with the matter.\nSome banks are pushing back, nudging card network Visa Inc. to change the way it processes certain Apple Pay transactions, according to some of the people. The change would trim the fees that banks pay to Apple.\nVisa plans to implement the change next year, according to people familiar with the matter and a document viewed by The Wall Street Journal. Apple executives have told Visa executives they oppose the change, the people said. The two companies are in discussions and it is possible the planned change won’t kick in.\nCurrently, banks pay Apple a fee when their cardholders use Apple Pay. Under the planned new process, the fees wouldn’t apply on automatic recurring payments such as gym memberships and streaming services.\nThe dispute reflects a long-running tension between the giants of tech and finance. Companies such as Apple and Amazon.com Inc. have been expanding in consumer payments for years. The banks have often rushed into deals with them,afraid of being left behind. But the deals don’t always work out:Alphabet Inc.’s Google, for instance, is abandoning plans to pitch bank accounts to users.\nApple said in a statement that “our banking partners are an important part of Apple Pay’s growth.”\n“Our bank partners continue to see the benefits of providing Apple Pay and invest in new ways to implement and promote Apple Pay to their customers for secure and private in-store and online purchases,” the company said.\nMajor networks including Visa and Mastercard Inc. are the effective gateways between banks and Apple Pay, because they help banks’ cards get loaded onto the mobile wallet. The change would apply to Visa-branded cards, though other networks could follow suit.\nMobile wallets are smartphone apps on which people can load their debit- or credit-card credentials and use their phone, rather than the tangible card, to make payments. The transactions are charged to the shopper’s card.\nWhen Apple introduced Apple Pay in 2014, the iPhone had already clobbered music players, cameras and GPS systems. Banks and card networks worried it also would displace card payments.\nBanks agreed to pay Apple 0.15% of each purchase made by their credit cardholders. (They pay a separate fee on debit-card transactions.) Those fees account for most of the revenue that Apple makes from its digital wallet, according to people familiar with the matter.\nThe terms had the potential to be uniquely lucrative for Apple. Banks don’t pay fees to Google for its wallet.\nVisa and Mastercard also agreed to give Apple an unusual concession, according to people familiar with the matter: Apple would be able to choose which issuers it would allow onto Apple Pay and which of those issuers’ cards it would accept. Visa and Mastercard generally require that entities that accept their credit cards must accept them all. Apple agreed to not develop a card network to compete against Visa and Mastercard, the people said.\nBut since then, customers have been slower to adopt Apple Pay than bank and card network executives had expected. And some bank executives were angered when Apple launched its own credit card in 2019 with Goldman Sachs Group Inc.,said people familiar with the matter, since it made Apple more of a direct competitor.\nApple said in a statement that it partners closely “with nearly 9,000 banking partners to offer Apple Pay to customers in nearly 60 countries and regions.”\nVisa shared its planned technical change with at least some banks in recent months. A document reviewed by the Journal that explained the new process didn’t mention the fees but detailed a change to so-called tokens that Visa issues for mobile-wallet payments.\nWhen consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.\nVisa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.\nSome big banks previously tried to get their Apple Pay fees lowered around 2017 but didn’t succeed, according to people familiar with the matter.","news_type":1,"symbols_score_info":{"JPM":0.9,"COF":0.9,"V":0.9,"AAPL":0.9,"MA":0.9,"BAC":0.9}},"isVote":1,"tweetType":1,"viewCount":786,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["AAPL"],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":10,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/829374413"}
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