> we en up getting a standardised interface like the one we have currently
Of course you won't. Apple will do everything in their power to make third party payments as painful as possible for both the consumer and the merchant. They'll do things like preventing those apps from auto-filling credit card numbers, and denying them camera permission to scan cards. They'll insist credit card data is sent to an in-country server owned by the same company as the app (for privacy reasons obviously, but knowing that for a small app developer hosting certified credit card processing servers in every country their app sells in is very hard).
So, if that's Apple fault on Android it must be really good, right? How is the Android side of things going?
BTW, there's this thing called MasterPass. It's MasterCard's payment system that applications can request you to authorise the use the cards in the MasterPass wallet.
It's quite good experience, they are also very aggressive to collect all your cards in there so if you don't already have a MasterPass there's a option(on by default) in the CC entering screen to add the current card in the MasterPass wallet. There's no explicit account creation step or anything like that, if you tick that option the next time you encounter a payment you will have a MasterPass(At least that's how I remember). I think they must be using some kind of keychain magic to make it possible because it's almost as frictionless as Apple's. You only enter the SMS code if you choose to give access to an app.
The only problem is, there's no easy way to manage your payments and cards in the MasterPass. The payments are credited to your cards so it's good as your bank UI. There's a website that claims to be an UI for MasterPass for managing your cards but it's not on the main mastercard.com domain, therefore I never tried to use it as I can't tell if it's a phishing attempt or a legit one. I guess if I call them they can tell me but I would have expected to see at least a link to that website from my bank website or mastercard website.
People really don't realize how much of a clusterfuck is prevented by Apple's platform lockdown, like, my god its another level of quality in my experience and I was an Android user for most of my life. Even those things that can be annoying to a Web Dev like Apple's control of full-screen video content is so much better than gambling on any ol' web video player's UI being non-ridiculous with hard to hit elements, etc.
Of course you won't. Apple will do everything in their power to make third party payments as painful as possible for both the consumer and the merchant. They'll do things like preventing those apps from auto-filling credit card numbers, and denying them camera permission to scan cards. They'll insist credit card data is sent to an in-country server owned by the same company as the app (for privacy reasons obviously, but knowing that for a small app developer hosting certified credit card processing servers in every country their app sells in is very hard).