Web Payments - Speaker Deck

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Web Payments Turbocharging mobile commerce through native browser APIs Jeff Carpenter – @jcarp

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Who is this And why are they up here Jeff Carpenter Software Engineer Google Chrome (Please note: I am not speaking on behalf of Google) Formerly at Braintree Payments

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Let’s go on a journey… a mobile commerce journey...

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Let's fix it

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But what about PCI compliance?

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How about client-side validation?

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What about supporting different payment methods?

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Everyone does this

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Everyone does this in a different way

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Everyone does this in a different way on mobile

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More users are buying on mobile...

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...but mobile conversion is much lower

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Checkout on mobile web has a UX problem

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Most frustrating aspects of mobile checkout ● Small screen size ● Entering card information ○ Need to enter for each merchant ● Heterogeneity

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Most frustrating aspects of mobile checkout ● Small screen size ● Entering card information ○ Need to enter for each merchant ● Heterogeneity

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Browsers can already store your credit card

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Solution: native payment APIs for web

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I’m excited about web payments because I don’t like entering my credit card 1000 times

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I'm even more excited about web payments because I'm lazy

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2016 has seen two native APIs emerge PaymentRequest Google I/O May 2016 Safari Apple Pay WWDC June 2016

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PaymentRequest

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var instruments = [ { supportedMethods: [ 'amex', 'mastercard', 'Visa' ] } ]

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var details = { total: { label: 'Donation', amount: {currency: 'USD', value: '55.00'} }, displayItems: [{ label: 'CatDog', amount: { currency: 'USD', value: '65.00' } }] }

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new PaymentRequest(instruments, details).show() .then(instrumentResponse => { console.log(instrumentResponse.details) // Spinner is shown to customer // as you complete transaction // with your back-end instrumentResponse.complete() } )

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{ methodName: 'visa', details: { cardHolderName: 'Jane Smith', cardNumber: '4111111111111111', expiryMonth: '01', expiryYear: '2021', cardSecurityCode: '123' } }

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Try it yourself! Chrome 53, Android only ● Demo pages ○ https://googlechrome.github.io/samples/paymentrequest/ ● Integration guide ● https://developers.google.com/web/fundamentals/primers/paymentrequest/?hl=en

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When will PaymentRequest be available? ● Available for credit cards now in Chrome 53! ● Android Pay late 2016 ● 3rd party apps 2017

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When will PaymentRequest be in all browsers?

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Mozilla Firefox PaymentRequest in development

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Microsoft Edge PaymentRequest in development

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Safari Apple Pay in macOS Sierra and iOS 10 Intent to implement PaymentRequest

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Apple Pay in Safari

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Apple Pay Payment Processing Certificate Apple Pay Merchant Identity Certificate

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if (window.ApplePaySession) { var merchantId = 'com.dogs’ ApplePaySession .canMakePaymentsWithActiveCard(merchantId) .then(function (canMakePayments) { if (canMakePayments) { // show Apple Pay buttons } }) }

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var options = { currencyCode: 'USD', countryCode: 'US', total: { label: 'Canine Clothing', amount: '19.99' }, supportedNetworks: ['amex', 'masterCard'] };

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var session $('.apple-pay-button').on('click', function () { session = new ApplePaySession(1, options) })

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Confirmation pops up on your phone

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session.onvalidatemerchant = (event) => { // Send event.validationURL to your server // Start merchant session by // calling Apple’s servers // with two-way TLS (using merchant // validation certificate) }

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PCI Compliance

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PCI Compliance estimates Raw PaymentRequest: SAQ A-EP Via a payment gateway (if supported): SAQ A-EP Android Pay & Apple Pay: SAQ A

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SAQ A ● SAQ A for raw PANs may not be possible even with gateway support ● W3C spec in development ● Feature Policy ●

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Realistic timeline ● Realistically given PCI compliance and browser development timelines, my wildly speculative estimate is mid to late 2017

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Web payments is a win-win for (almost) everyone in the value chain

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Merchants Upside: potentially more card volume Downside: might require engineering resources to implement (based on how they accept payments)

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Payment Gateways Upside: potentially more card volume Downside: engineering resources to implement

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Acquiring banks & Card Networks Upside: potentially more card volume Upside: no change to existing payment rails

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JavaScript library authors Downside: card formatting and validation no longer handled by JavaScript

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PayPal Has always been a simpler and safer alternative to entering credit cards. Are web payments a threat to one of PayPal’s value props?

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W3C Specs ● Payment Request API ○ Payment Method Identifiers (e.g. the string ‘visa’) ○ Basic Card Payment (credit card schema) ● Start here: ○ https://github.com/w3c/webpayments/wiki/PaymentRequestFAQ

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Learning more ● Good explanation of W3C rationale: ○ https://www.w3.org/Payments/ ● Bringing seamless checkouts to the mobile web - Google I/O 2016 ○ https://www.youtube.com/watch?v=yelPlCVZLEE ● Apple Pay WWDC talk ○ https://developer.apple.com/videos/play/wwdc2016/703/

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Thank You Comments - Questions - Tomatoes - @jcarp Special thanks to: ● Elliot Lee, Braintree ● Zach Koch, Google Chrome

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Resources https://github.com/alrra/browser-logos/ The collective pug owners of the internet