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BrianRoemmele's profile
Brian Roemmele
Brian Roemmele
Brian Roemmele
@BrianRoemmele

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Brian Roemmele

@BrianRoemmele

we can only see what we think is possible...

transcendence
VoiceFirst.expert
Joined January 2010

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    1. Pat‏Verified account @patphelan 11 Jun 2017
      • Report Tweet

      Great read from my buddy @jpomie on "Apple Pay, Cash and Business Chat".https://medium.com/@jpomie/apple-pay-cash-business-chat-some-further-thoughts-51e39522115a?source=linkShare-419aec3df4a3-1497216346 …

      2 replies 2 retweets 11 likes
    2. Benedict Evans‏Verified account @benedictevans 11 Jun 2017
      • Report Tweet
      Replying to @patphelan @jpomie

      confused - surely you still need Stripe or equivalent to accept payment through Apple Pay? As a business, you can't just link to a bank

      3 replies 0 retweets 3 likes
    3. Jeff Pomeroy‏ @jpomie 11 Jun 2017
      • Report Tweet
      Replying to @benedictevans @patphelan

      In business chat, not a requirement as described by @BrianRoemmele - payment to biz is w/o acquirer. P2B instead of P2P.

      1 reply 0 retweets 2 likes
    4. Brian Roemmele‏ @BrianRoemmele 11 Jun 2017
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      Replying to @jpomie @benedictevans @patphelan

      Jeff, thank you. Indeed. There is a roadmap to no acquirer. Put simply, if you can send PtoP for at 0% you can send PtoB at 0%.

      1 reply 0 retweets 4 likes
    5. Jeff Pomeroy‏ @jpomie 11 Jun 2017
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      Replying to @BrianRoemmele @benedictevans @patphelan

      Gracias Brian - just following the path you have lit up and calling attn to some future thoughts. Once cash in P2P or P2B - doesn't matter.

      1 reply 0 retweets 1 like
    6. Scott Wessman‏ @scottew 11 Jun 2017
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      Replying to @jpomie @BrianRoemmele and

      Core function of acquirer is to hold risk on a merchant's transactions when a consumer can dispute after the fact. Who holds w/o acquirer?

      2 replies 0 retweets 2 likes
    7. Brian Roemmele‏ @BrianRoemmele 11 Jun 2017
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      Replying to @scottew @jpomie and

      Scott, indeed. I think the way to look at it is as cash. It is the same as a PtoP transaction ultimately. At some point a bank network.

      2 replies 0 retweets 0 likes
    8. Scott Wessman‏ @scottew 11 Jun 2017
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      Replying to @BrianRoemmele @jpomie and

      Sure. But the ability of a consumer to dispute a transaction = credit risk vis a vis merchants. Everything flows from that.

      2 replies 0 retweets 1 like
    9. Chris Hart‏ @ceehart 11 Jun 2017
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      Replying to @scottew @BrianRoemmele and

      ... to say nothing of stand-in, tokenization, acceptance rules, and the myriad of other things networks do that no one sees. ;-)

      3 replies 0 retweets 2 likes
    10. Benedict Evans‏Verified account @benedictevans 11 Jun 2017
      • Report Tweet
      Replying to @ceehart @scottew and

      There’s nothing in the docs to suggest Apple thinks merchants accepting Apple Pay no longer need an acquirer.

      2 replies 0 retweets 0 likes
      Brian Roemmele‏ @BrianRoemmele 11 Jun 2017
      • Report Tweet
      Replying to @benedictevans @ceehart and

      Benedict, Once money is in Apple Pay Cash it can be sent to anyone, including a business on Apple Messages. No acquirer is party to this.

      6:17 PM - 11 Jun 2017
      • 1 Like
      • Mark Rogowsky
      1 reply 0 retweets 1 like
        1. New conversation
        2. Scott Wessman‏ @scottew 11 Jun 2017
          • Report Tweet
          Replying to @BrianRoemmele @benedictevans and

          This is roughly the same situation as PayPal, Venmo, and any number of services in which a person holds a cash balance

          2 replies 0 retweets 2 likes
        3. Brian Roemmele‏ @BrianRoemmele 11 Jun 2017
          • Report Tweet
          Replying to @scottew @benedictevans and

          Scott, fully agree. In Apple’s case they will bring deep OS linking (Maps, Messages, Siri) and some loyalty/reward surprises at some point.

          0 replies 0 retweets 0 likes
        4. End of conversation

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