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

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

Maybe you are right on there’s maybe a OTA for AP launch but they can even do it without the OTA if they really want it.

ahh that makes sense, but wouldn't software update mean it will be 15.6.1 already?

Edit : Just read your previous comments, maybe they'll do one without an OS version update, don't think just enable AP will warrant another iOS version.

Just saw it from Txxtter⋯
I don't know why he is so sure

especially recently got another IOS update , 15.6

This, and if they do what about those on iOS 16 PB, would they get the same thing?

inb4 they include AP for Malaysia in the iOS 16 release

dont know how they gonna push it out haha,

next apple keynote in august meh ?

Nope, not those remittance services. Like a Starbucks gift card but visa prepaid. Give some likes and I would share later. 😆

Warning, it’s long text tho

🤔
I dont think so 🫣

I don't quite understand your question.

I can understand you because I also have this disappointment a lot

Since last year, we were being told Apple Pay will available when Q4 2021.
It's keep changing to be Q1 2022, then Q2 2022, then Q3 2022
We have being "lied" so many times.

What make the different between past and now?
We have detailed like screenshots, banks name,
and also a launching date precise up to "second week of August 2022".
Sure I will wait for it.

Even thought this is fake news again,
I will still put my hope for the next rumour until we Malaysian finally get Apple Pay.

You are spot on. Everything is open to conjecture.

By the way, I’m not a tester per se. I was asked if I wanted to be part of the pilot, and being a massive geek, I agreed without any hesitation!

Apple cash？

I’m currently using gpay(us) fine and I opened it with a Malaysian ip