Microsoft Wallet

One digital wallet to rule them all? Not so much, apparently. Microsoft today at its Windows Phone Summit in San Francisco announced Windows Phone Wallet, which appears to take the best of Google Wallet and Apple's new Passbook and roll it into a single app. 

Oh, and it throws in PayPal for good measure.  Wowzers.

Just like Google Wallet, Windows Phone Wallet uses NFC for the transaction. But Microsoft's solution appears to dive deeper than just a basic way of linking your credit card to your phone. It'll also serve as a direct link for in-app purchasing and store personal information, all on the phone. Again, the best of both worlds.

We've said it before and we'll say it again: Google's got to get rid of this Sprint exclusivity for Google Wallet, pronto.

More: WPCentral at the Windows Phone Summit


Reader comments

Microsoft rolls its own Wallet solution for Windows Phone, does Google Wallet one better


Ironically enough I was just fiddling with Google Wallet on a Verizon Galaxy Nexus. I had heard that Visa support was going to be added but I did not see it on the latest update. Any info on that?

Google's handling of Wallet really speaks to a lack of overall vision towards Android at Google. It's scary and disheartening, but Google needs a Jobs-like figure (Matias?) who can drive the total Android ecosphere.

Phil, do you see wp8 as a threat to android? I kind of don't think it looked that impressive, and that's probably because we already have a lot of these features.
And oh yeah, wasn't google wallet 2.0 rumored to be shown off at I/O or released soon? I thought I read that somewhere.

You bet it will be a threat to android. I'd say WP8 is just s start to see platform/OS features that finally on an leveling ground as Android. Now I predict WP8's success will mostly tied to Win8's success. If Win8 tabelt and its app store succeeds, it will translate to WP8 success as well because porting apps between the two are minimal efforts.

A threat? just like WP7 right.So you can predict what is going to happen in the future?.I really hate people like you who try to make all these predictions before the product has even hit the market.Why don't you pull your head out of your ass and stop with these little fortune telling stories.Damn I hate these undercover Windows fanboys.

I sure hope they have something to announce, they just got served by Apple and then a couple weeks later by Microsoft. Google was first out of the gate and the bickering with carriers has killed their lead. Every I/O has been important but I'm feeling like this one is going to have to "bring it" even more than the last couple.

They just got served?.Kid you watch too many movies relax.It doesn't matter who the hell came out first with something as long as they keep improving on their products/features/services.

"We've said it before and we'll say it again: Google's got to get rid of this Sprint exclusivity for Google Wallet, pronto."

LOL.. I don't think Google has given Wallet a Sprint exclusivity by choice.. nobody else wants it. All the other 3 carriers are invested in ISIS.

If anything, this should put pressure on Verizon, T-Mobile, and AT&T to allow other NFC payment services on their devices. I'm sure Microsoft won't be too happy when Verizon tells them their shiny new payment system isn't "secure" and isn't allowed on their handsets (and we all know why).

So if Verizon bends to MS pressure... then they will have to bend to Google pressure and allow Wallet as well.

They are working with them to support will be implemented next year. They went over this during the presentation...

I guess I hope that Google is working with ISIS as well then, would be nice to have feature parity between the platforms.

You know who the pressure is now on...GOOGLE!
with wwdc done...microsofts TWO announcements has to nail it!
god i would not want to work under this pressure!!!
but i have faith in el goog!

Sorry! The article here on AC left out the most important fact.. Microsoft is working with the big 3 carriers to make it compatible with ISIS.

This is a dramatic difference from Google who wants to control and profit from every step of the process and cut the carriers out.

Lesson to Google.. the carriers control the pipes so you shouldn't think you can cut them out.

Although I still think there is an antitrust complaint possible in all this but the problem is that all the players have been possible subjects of anti-trust investigations themselves.

Google has never said that they will not make Google Wallet work with ISIS - you know, that fictional product that does not yet exist in the real world? Settle down everyone...

All that is currently happening is that any carrier that is part of the ISIS alliance has not yet allowed Google Wallet to officially exist on a handset on their network.

When MS Wallet is available on a phone in the real world, we'll see if it's on the at&t, Verizon or T-Mobile model AHEAD of the launch of ISIS.

Until then, it's all speculation EXCEPT that Sprint allows Google Wallet to exist in the REAL WORLD. Nothing else currently does.

U wonder what the numbers are between Android devices that can use Google Wallet -VS- the number of WP7 devices

I wonder what Goggle has planed for IO, with all these new competition devices and services it better be great(not just good).

Is the writer wasted? Carriers control the availability of Google Wallet, NOT Google. Use some logic and/or common sense, man. Google is doing everything it can to get carriers on board, but this ISIS bull$hit keeps getting in the way.

I don't think Phil phrased it very well, but what I think Phil was suggesting is that if Google wants Google Wallet to work on other US carriers phone, they had better come up with (1) an ISIS solution or (2) find a way to give the carriers a cut of the Google Wallet transactions. This is as much Google's problem as it is the other 3 carriers - that part I agree with. Joe Consumer is not going to care that at&t/Verizon/T-Mo don't want to play along with Google's platform.

The problem that Phil and others have yet to realize: ISIS does not exist yet outside of small trials in Austin and rumors of SLC, so what he's asking for is not possible. Despite MS's revelations this morning, their "solution" does not yet exist in the real world either. So it's officially Google Wallet on Sprint (or unlocked GSM) and nothing else.

Everyone else is still playing catch-up.

Microsoft entering the hardware game is going to be interesting. If they release a Microsoft phone as well as the Surface tablet, which I'm betting is where they're headed, we'll have another Apple like player in the game, one who controls both the hardware and the software. But knowing MS, they'll still license WP8 out, but if the rumors are true and they want $85 per device, I think most manufacturers will stick with Android to keep their profit margin up. And it this pushes Google to step up their game or change their relationship with manufacturers and carriers, all the better.

Google is struggling to get Google Wallet working on the Evo LTE. Something tells me Google simply doesn't know what its doing in this arena.

Wow so many drama queens on here.Why do some of you feel that Google needs to nail something on the head?.Seriously a lot of you are just blowing shit out of proportion relax it's not the end of the world.

Google is never going to treat Android as a product. Its a bunch of half baked ideas and beta projects they keep changing. Its just a way for them to make money off ads and searches, they don't really care about the end user quality in the same way MS and Apple have to.

WP7 hasn't gotten traction and so MS' wallet solution is not a threat.

Apple's Passbook on the other hand? By the time iOS launches you can bet that many major retailers, airlines, etc. will have their apps integrated into Passbook. And you can bet that the next iPhone will be launching with NFC and probably the support of a major credit card company.

And thanks to Apple's discipline vis-a-vis fragmentation, Apple will have at least 100 million users for Passbook at launch and probably 25 million more for the Passbook NFC by Christmas. And that'll be worldwide.

This is exactly where Google dropped the ball. Whether better or worse than another solution is irrelevant. Getting users to use the feature is what's important. And Google has an insignificant number of users for Wallet.