Microsoft Pay

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Microsoft Pay

Developer(s)	Microsoft
Initial release	June 21, 2016; 5 years ago (2016-06-21)
Operating system	Windows 10
Platform	Microsoft Edge
License	Proprietary
Website	https://www.microsoft.com/en-us/payments

Microsoft Pay (previously Microsoft Wallet) is a mobile payment and digital wallet service by Microsoft that lets users make payments and store loyalty cards on certain devices. Making payments is currently supported on the Microsoft Edge browser. Microsoft Pay does not require Microsoft Pay-specific contactless payment terminals, and can work with existing contactless terminals if used on mobile devices.^[1] Similar to Android Pay, Microsoft Pay utilizes Host card emulation (HCE) for making in-store payments. ^[2]

The service's original name was also originally used for a credit card manager feature included in Internet Explorer 4 and later, which required support from each web site for it to work.

History[]

Microsoft Wallet was launched on June 21, 2016 in the United States. It was initially released to participants of Microsoft's Windows Insider program and was later made available to the general public on August 16, 2016 with the release of the Windows 10 Mobile Anniversary Update. The service was launched exclusively to Windows 10 Mobile in conjunction with an update to Microsoft's Wallet app.

The launch of the Microsoft Wallet service established Microsoft's own in-house mobile payment platform, enabling it to bypass its prior dependencies on third-parties for contactless payments on Windows-based smartphones. Microsoft's mobile operating system had previously supported contactless payments for NFC-equipped handsets as early as 2012 in Windows Phone 8 and the original Wallet app. However, in the prior operating system, Microsoft depended on third-party intervention to make the payments feasible. Mobile carriers had to support this by providing secure element SIM cards to customers. Additionally, in the United States, mobile carriers AT&T, T-Mobile, and Verizon required use of their joint-venture developed platform, Softcard, to process the payments. When Softcard was purchased (and subsequently shut down) by Google in early 2015, it left the Windows platform without a viable contactless payment system in the United States.

The new platform allows Microsoft to coordinate directly with financial institutions and credit card issuers to make contactless payments on Windows-based smartphones, beginning in the United States. On November 15, 2017 Microsoft rebranded Microsoft Wallet to Microsoft Pay and allowed payments to be processed through it on Edge.^[3]

Release dates

Date	Support for payment cards issued in
June 21, 2016	United States

See also[]

• WeChat Pay
• Apple Pay
• Apple Wallet
• Google Pay
• Samsung Pay
• LG Pay

References[]

External links[]

Microsoft Wallet - Official Webpage