Thoughts on enhancing Apple Pay
I love Apple Pay, but to me the benefits of contactless payment go beyond leaving a physical wallet at home. I’d like to see Apple implement a “smart card” function, where the wallet automatically suggests a card to use based on rewards programs, warranty benefits etc.
For example, if my Discover card is getting 5% back at grocery stores for the quarter, I’d like to see my Discover card automatically pop up when I double tap the power button, or side button on my watch, provided that I’m at a grocery store when doing so. Using the location for this purpose shouldn’t be too difficult, and it eliminates the need to remember which card is getting which rewards. Similarly, added info about which cards offer warranty protection, insurance for travel, loss and theft coverage, etc could be included in the wallet app. The Points Guy app does some of this, but is essentially defunct at the moment.
Just some thoughts, I think this would make Apple Pay a killer feature, far above the alternative contactless payment functions out there.