I believe Google Pay would turn out to offer the best payment experience. I only hope they'll be extending this service, in its entirety, to Nigeria and other African countries.
@ekambos@khaliphj While I admire the spirit, I'd like to confirm that you wish to build a highly-secured system that processes all manners of transactions, including online card payments, peer-to-peer payments, and NFC-based payments and is available globally at little or no cost to most users. It's an achievable but very tall dream.
@patrick_udeh You can always start with one functionality at a time, implement more functionalitues as you go and focused on the Nigeria market. The potential is definitely there.
It just wouldn't be Google if they didn't make three redundant versions of the same product before attempting to undo the confusion later on by pulling those three ideas into one branded idea. But hey, at least is as cohesive as Apple Pay now - just took many years and three different attempts to get there lol. (Google Pay, Android Pay, Google Wallet)
@hayden_evans Well sadly they had it right with Google Wallet, it did everything Apple Pay did 3 years before Apple Pay was announced. Then they split it into two apps for some reason (who knows why), but together they always were feature-rich.
@beenjamemes@nickwanninger Apple locked their NFC chip to working with only Apple Pay. They can't bring it over because Apple won't allow it. And Ben, this is different because it brings person to person payments like Google Wallet had and contact-payment like Android Pay.
@hayden_evans@iamsebj If you're crafty, you can have the point of sale act as a dynamic tag that'd launch [x] pay and route the information to the app. Not quite as slick but do-able...
However, I would expect Apple has power to exercise discretion and ban such implementations in the App Store on security grounds a'la their fight with Australian banks over NFC.
I only hope Google will not wait for so many more years before, they make Google Pay available to the majority of their customers out of America and Europe. Sometimes, I am tempted to believe they are afraid of the world outside those two continents.