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This makes it compatible with a wide range of contactless payment terminals in deployment today. Clover is NFC-enabling all current and future Clover products. The payment networks (Visa, Master Card, Amex, etc.) have been very busy building something called tokenization.I call this network-level tokenization to distinguish it from the more familiar forms of tokenization, which is typically performed at either the gateway (such as the Braintree card vault) or the acquiring platform (such as First Data's Trans Armor).Say you're an order-ahead app enabling consumers to buy food and pick it up later.You really don't want to be in the payments business, but how else do you collect money from the consumer and to the restaurant? Network-level tokenization, and i Phone in particular, will radically change this dynamic.By lightweight, I mean that these apps won't need to maintain a user database, require user logins, worry about getting cards on file, or being an unwilling payment aggregator. I expect a huge amount of innovation in real-world mobile commerce as a result over the coming years because of the revolution that Apple Pay is starting.

Clover is making this even easier -- all Clover merchants will be enabled for In-App payments, which will give developers instant access to many thousands of merchants through our APIs (for submitting and reading orders, reading and updating menus and retail inventory, receipt printing, etc.).

This is no longer strictly necessary: A consumer could simply download an app that connects them with a local merchant, browse the menu, and buy something from their table.

This is really important when it comes to apps for small- and medium-sized businesses (local merchants).

Here's what a transaction message to a gateway looks like before 3-D Secure (from the Payeezy API docs): NFC has been derided for years in the U. (though my coworker's 65-year-old mother arrived from Australia a couple days ago complaining bitterly that merchants here can't take tap payments).

It's a really great technology that's just been waiting for a tipping point. Apple Pay uses industry-standard EMV contactless protocols over NFC (and MSD contactless for backward compatibility).

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