¡Pagos mucho más fáciles! Apple convertirá el iPhone en un datáfono sin contacto con «Tap to Pay»


Las ambiciones en el sector financiero de parte del gigante informático, Apple Inc., continúan creciendo; pues, han presentado una nueva y útil función para sus iPhone: Tap to Pay. Esto permitirá a millones de vendedores utilizar sus teléfonos móviles para recibir pagos «sin contacto» y sin la necesidad de hardware adicional, eliminando la necesidad del clásico TPV que a menudo suele conllevar un desembolso inicial o periódico.

La plataforma de Tap to Pay va enfocada a tiendas, empresas, y profesionales, ya que realmente no supone ninguna diferencia para los compradores respecto a los actuales sistemas de pago «contactless»; permitiendo que se realicen cobros directamente con un iPhone, de modo que el vendedor no necesitará un terminal de pago (TPV) específico. Solo hay que acercar un medio de pago válido: una tarjeta de crédito o débito, un iPhone, un Apple Watch u otros «monederos digitales». No obstante, el único requisito de Tap to Pay para el cobro es un iPhone XS o superior, que incluye tecnología NFC para leer las tarjetas.

Apple promete la total privacidad de compradores y vendedores, en ningún momento conocerá los productos que se pagan con este sistema. Su idea es que lo integren desde grandes cadenas de tiendas hasta pequeños negocios locales, y las Apple Store físicas también lo usarán.

Tap to Pay debutará próximamente en Estados Unidos. Y lo hará, al menos inicialmente, de la mano de dos plataformas de comercio bastante populares: Shopify y Stripe. Tap to Pay, por lo tanto, no se debería calificar como un nuevo servicio de Apple. Sería más correcto catalogarlo como un SDK que permitirá a empresas de terceros –como es el caso de Stripe, Shopify o incluso Sumup y Square, que también compiten en este sector– implementar en sus respectivas aplicaciones la posibilidad de aceptar pagos sin hardware adicional.

Además, cabe aclarar que, Apple no va a procesar los pagos, solo pondrá el protocolo a disposición de las compañías especializadas (bancos tradicionales o sistemas digitales). Además, los desarrolladores podrán integrar esta nueva característica en sus apps, por ejemplo, Shopify será una de las primeras que integrará el novedoso sistema.


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