I know this was a pretty old reply at this point but thought of sharing some info that I have read.

1. "Terminal dont need to have 'AP' category to accept AP."
From what I understand, this is mostly true. Similar to many other countries, Malaysia has a threshold amount for Contactless payment (MYR250) which not require Cardholder Verification (PIN, Signature, etc.). As such, for payments below the threshold amount, physical Apple Pay (AP) transactions should be processed similar to the Contactless Payments we have had for may years now without issue. Based on my experience using AP with UK cards here in convenience stores, it has been the case.

2. "There is no additional settings to add or change in existing terminals"
Further to Point 1, in the case of purchases above the threshold amount, Apple and other wallets such as Google Pay do support a newer Cardholder Verification Method (CVM) called the Consumer Device Cardholder Verification Method (CDCVM). From what I have found online, the Card Terminal Machine, Merchant's Acquirer, and Payment Networks (Visa, Mastercard, and AMEX) all have to enable CDCVM in order for the CDCVM flag passed out by AP (or other wallets) to be recognised as a valid CVM.

CDCVM is part of the latest Contactless Specifications published by the major Payment Networks (VCPS, PayPass, ExpressPay). As such, by the word "updating" mentioned by other forumers, I hope that it means the financial institutions in Malaysia is enabling CDCVM throughout the card payment network chain to prepare for a better AP experience.

While there is no explicit "AP" category, I reckon the said term may have been used to refer to CDCVM support.

3. "AP is the same as you tapping your CC just that your CC info is digitize into AP that's all"
Generally, for mobile wallets to "present" a card for payment, there are 2 main methods:
a. Pure Host Card Emulation (HCE); and
b. HCE with Tokenisation

The difference between the two methods would be the use of Tokenisation. Based on Apple's documents, AP do make use of tokenisation which is why the Device Account Number and the Actual Account Number is different. As such, AP from my understanding is more than just digitalising the card (which I interpret as pure HCE; where the device presents the physical card as is).

All in all, I hope that when AP do launch in Malaysia, CDCVM could be ready in places with high transaction value (electronic shops, certain restaurants, etc.) to maximise the use of AP.

Please note that the above are purely based on my understanding and please do perform your own due-diligences before relying on the above information. I am neither a payments expert nor do I work in the payments industry.

Some links I could remember:
https://www.pps.io/wp-content/uploads/2020/...DCVM-Primer.pdf
https://www.visa.co.uk/dam/VCOM/global/supp...rd-products.pdf
https://chyp.com/2015/07/15/high-value-in-apple-pay/
https://www.linkedin.com/pulse/hce-tokeniza...mfs-specialist/
https://smartpaymentassociation.com/index.p...-final-pdf/file

Then it's correct then, AP runs on the same way that SP does, just local cards is still not supporting AP, the microcode update has to be already pushed to all local terminals cause if not, how would foreigners/singaporeans use AP while AP is not available locally at all.

clarification:

the problem with AP in Malaysia is purely because currently there is no connection between bank and Apple servers to support when a user tries to add card to AP, unlike with SP. once a card is added to AP, to the merchant it appears the same as if it’s an AP user or SP user or contactless

terminals that already support contactless don’t require a code update for users to use AP. it can support AP the same way it supports contactless cards. it can support high value purchases already, just that user still needs to enter PIN after tapping if purchase is above RM 250

the code update the forumer is talking about is just to allow contactless payments above RM 250 without requiring PIN at all if the user is using AP - basically AP is telling the merchant/bank no need to ask for PIN because user is already verified through Touch/Face ID



This post has been edited by KaiHD: Jul 24 2022, 06:12 PM

Ah makes sense then, misunderstood the former part. Ty for the clarification

Dang, I wished they would be faster on it. Over here in Singapore, I can use my Visa card on the MRT.

Just found this from Twitter😗


Attached thumbnail(s)

Standard PR/CS reply.

well shall we treat it as a goods news that it is not a denial

no comment and no Deny

5 more days to go🤐

*Ahem* It will be more than 5 days

Yup， I mean There are still 5 days left until August.😂

AP took long enough to enter malaysia market

Basically just the same, also using NFC

We will probably never know but probably it's regards to % cut each company wants. MAYBE S company is taking relatively low % or even 0% while the fruit company says "flat rate of x%".

SP not charge merchant or bank a fee
but AP do (dunno how much in Malaysia when it launch)

Quick update guys, I can say with reasonable certainty that the Apple Pay will be launched in Malaysia in less than two weeks' time.

good news

Not an iOS user, but still very happy that you guys are finally getting Apple Pay after such a long wait.

Personally still waiting for Google Pay to enter Malaysia, and it seems hopeful that the day will come after Apple Pay enters here.

If we can have the two biggest NFC payments here, it would definitely be so much more convenient to use alongside e wallets so it's easy to switch back and forth depending on the situation when making payments.

Also, I remember when Maybank discontinued Maybank Pay few years back, they promised that there will be something " more exctiting" coming, seems like they were referring to Apple Pay at the time but got delayed for some reason.

This post has been edited by xperiaDROID: Jul 27 2022, 05:53 PM

Exciting midweek news!

Does that mean there will be announce within 14 days?🤩