Benedict Evans wrote a great post on Apple Pay and asked the question – what’s next?
Well here’s a guess (pulled from these tweets)…
I haven’t seen Apple Pay website integration discussed much yet
So here’s a guess as to how it will work…
At the beginning of a site’s checkout flow (i.e. before filling out any forms), you’ll click the Pay button
The site will ping Apple via the API which will in turn ping your iOS device (similar to 2-factor auth)
You’ll select the card to pay with and use your thumb to approve
The site will then receive a payment token to charge the order to
Ideally the site could then pull your billing / shipping info from Apple to skip those forms as well
The only step remaining will be to hit the checkout button (perhaps you tap your thumb a second time to confirm)
Simple, clean and no more credit cards online
Bonus – an obvious extension is to use the same system for 2-factor auth
Rather than enter the code shown in Google Authenticator or Authy, just press your finger
Which begs the question, could you even remove the password requirement?