Will Apple Pay kill PayPal?
Apple wants us to ditch our wallet and credit cards. Wall Street is nervous that consumers may dump online payment service PayPal too.
Shares of PayPal owner eBay (, ) fell 3% Wednesday. That follows a 3% decline Tuesday after Apple (, ) unveiled its mobile
Is the 6% sell-off in eBay justified? Did Apple really just make PayPal obsolete? Yes and no.
"There is the potential for Apple to disrupt PayPal's competitive position. These are legitimate concerns -- for mobile in particular," said Victor Anthony, an analyst with Topeka Capital Markets.
Still, Anthony thinks that PayPal will continue to report strong results for eBay for the next few quarters. He says the risk from Apple is a longer-term one.
PayPal is what makes eBay sexy: But it's understandable why eBay investors would be nervous. PayPal, after all, is the most exciting part of eBay's business. Revenue from PayPal accounted for more than 40% of eBay's overall sales in its most recent quarter. And payment sales rose 18% from a year ago, compared to just a 9% increase for eBay's core marketplace/online auctions business.
There are signs that growth in the marketplace unit is slowing even further.
According to
released Wednesday, same-store sales for eBay in August increased just 5.9% from last year. That's down from 9.7% growth in July and below the growth rate for the overall e-commerce industry. ChannelAdvisor, a provider of cloud-based e-commerce solutions, noted that auction sales were down 11%.
R.J. Hottovy, an analyst with Morningstar, said eBay's stock is falling because of a combination of these numbers and the fact that Apple didn't name drop PayPal as a possible partner down the road for Apple Pay.
"Before Apple's announcement it was unclear what, if any, role PayPal would have in an Apple payment system. There were some rumors that PayPal could even be a part of it," he said. "Investors are disappointed by the lack of an Apple mention. The ChannelAdvisor sales report didn't help."
But Hottovy thinks that investors may be overreacting to the Apple Pay news. He predicts that Apple Pay will help validate the idea of mobile payments in general. There's also the fact that Apple is launching Apple Pay only in the U.S. for now. So there are still opportunities for Pay Pal.
"The acceleration in mobile payments helps PayPal," he said. "PayPal also has global reach and has been adopted by many small businesses."
Hottovy added that PayPal could still eventually get integrated into Apple Pay. He suggested it could mesh well with Apple's Passport app, which stores information on gift cards, coupons and tickets.
Return of Icahn? Topeka's Anthony agreed that investors can't rule out the possibility of some sort of Apple/PayPal partnership down the road. But he thinks that the recent weakness in the stock could lead to renewed cries for eBay to spin off PayPal.
Activist investor Carl Icahn tried to get eBay to do that earlier this year before giving up the fight. But Icahn still was a big shareholder in eBay -- as well as Apple -- at the end of the second quarter.
"I'm expecting the shareholder calls for a breakup to be amplified," Anthony said. "People are seeing that Apple is going to be more entrenched with retailers. PayPal could address the threat and be more nimble as a separate company."
Apple certainly did sign up an impressive group of companies to endorse Apple Pay. There's Panera (), Macy's () and Whole Foods () on the retail/consumer side, for example.
Apple also has the credit and debit cards from giant banks Wells Fargo (), Bank of America (), JPMorgan Chase () and Capital One () -- as well as the backing of the three big card networks: Visa (), MasterCard () and American Express ().
"You can't sugarcoat this. Apple Pay is clearly a risk to PayPal," Hottovy said. "The hope is that it's not a zero sum game."加入粉絲團
現在人使用智慧型手機，大多會在Apple Store或是Google Wallet裡綁定自己的信用卡，方便購買APP。但是如果你原先登記的信用卡到期不想再使用，或是信用卡到期發來新卡，那麼要如何更改信用卡資訊呢？
近來有些銀行推行信用卡的虛擬卡號，方便使用者網路購物時不用曝露自己實體卡的卡號，甚至可以隨便拋棄或更換虛擬卡號。最近收到新的信用卡，申請了虛擬卡號，所以把自己Paypal、Apple Store和Google Wallet裡的信用卡資訊都更新了，也順便告訴讀者，如果將來有需要更新這些信用卡資料時，可以怎麼設定。
更改Google Play裡的信用卡資料
▲在瀏覽器輸入「」，如果你之前已經登入了Google的帳號，就會直接進入相關頁面，如果沒有，這時會跳出對話框，要你輸Google的帳號密碼。
▲這時你點選左邊的「付款方式」會出現你信用卡資料。原本我使用的是一張尾數「5」的信用卡，有效月年是08/14。這時可以點選上方的「新增信用卡或金融卡」。
▲這時你可以填入新的信用卡資料。如果想把這張卡當預設卡，記得下方的「設為預設值」要打勾。
▲因為新增了一張信用卡，所以我想把原來的信用卡移除。但是發現這張卡每個月有購買Gmail的空間。所以電腦提醒我，需要把這個扣款移到另一張卡上。點選「更新我的訂閱項目」。
▲選擇接下來要扣款的信用卡，點選剛才新增的那張尾數是「7」的信用卡，按「儲存」。
▲這時回到原來的畫面，就可以正常移除原來的那張信用卡了。
更改Apple Store裡的信用卡資料
▲開啟iTunes，輸入你自己Apple ID的帳號和密碼。
▲點選「商店」，選擇「首頁」。
▲將滑鼠移到自己的帳號上，按右鍵。出現選單後，選擇「帳號」。
▲接著就會出現自己信用卡的資料，點選「付款類型」（信用卡卡號）那旁邊的「編輯」
▲通常進入付款資訊的頁面後，Apple會要求你再輸入一次信用卡後面3碼的認證碼後，才能修改。
▲之後你就可以在這個修改頁面中，填寫新的信用卡資料，填寫完畢後後按「完成」就可以了。
更改PayPal的信用卡資訊
▲進入PayPal的網頁「」，在右上方輸入帳號密碼。
▲進入主頁面後，下拉「個人檔案」，選擇「新增/編輯信用卡」。
▲你PayPal裡所有的信用卡資料都在這裡了。不管要「新增其他信用卡」或是修改/移除原有信用卡的資料，都在這個頁面。
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传PayPal最爱并非三星，而是苹果
在今年苹果发布会之前几个小时，仍然有消息爆出苹果将支持PayPal支付，只不过那时候Apple Watch还叫iWatch，然而最终PayPal还是未能亮相。而根据最新消息称，PayPal其实最想合作的是苹果，而因与三星合作最终被苹果放弃。知情人称，苹果跟PayPal数字钱包合作确有其事，但情况却随着PayPal跟三星确立合作关系之后而发生了变化，特别是当PayPal跟这家韩国公司携手在Galaxy S5推出移动支付功能之后。该消息源透露，苹果显然对PayPal的选择感到不悦，于是“苹果将他们踢出门”。最终，苹果选择了支付初创公司Stripe，疑似填补PayPal留下的空缺。
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