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Capital One Pulls Out of Isis Mobile Wallet, Not Much Left for This Delayed Payment System

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A little over a week ago, we received the email you are seeing below, which is a statement from Capital One, informing us that they were leaving the Isis Mobile Wallet pilot test. As you all know, Isis is the mobile payment joint venture between Verizon, T-Mobile, and AT&T that is essentially the reason we all can’t enjoy Google Wallet to its fullest. They have been working on this mobile payment system for what seems like forever, only launching in two test markets last year. With semi-recent word that they had a nationwide rollout planned before the end of 2013, we thought all was well. But with news of one of their biggest credit card partners leaving, what’s left for Isis? 

Well, they still have American Express and Chase, so they aren’t completely dead. But even in my short time with Isis, I found it almost worthless as they still did not offer support for my bank’s Visa or MasterCards. In other words, you can’t just add any card in your wallet. So technically, they are alive and well, it just seems like without Capital One or the ability to add bank cards, that this is another failed mobile payment system that can’t find backing from the players that truly matter. And if those three mobile carriers can’t get massive bank card acceptance on board, then who can?

On an additional note, the AT&T and T-Mobile Isis Wallet apps are no longer showing as compatible with any of my phones other than…Verizon phones. I have plenty of AT&T and T-Mo phones lying around here that are also attached to my account with NFC chips in them, so I can’t help but wonder what’s going on there. It could be nothing, or it could be a sign of trouble on the horizon.

As much as I would rather use Google Wallet, because I adore Google’s services, I was at least hoping to see Isis kickstart a mobile payment revolution. With the backing of major wireless carriers, this should have had the power to make mobile payments a part of your daily life. I guess we won’t know if that’s true until we see a nationwide rollout that hopefully includes an announcement of additional credit card partners, and not just the terrible app that is currently a part of the testing program.

isis capitol one

  • Marc_Bills

    Does this mean that they are likely to abandon Isis and permit Google Wallet? I mean this is just stupid, we should have the freedom to use the apps Google designs for it’s platform. Like we don’t already pay the carriers an arm and a leg for their cell service.

  • e4tmyl33t

    Not to derail the discussion at all, but I just noticed with the updated Google Wallet app that’s available on all devices that the Tap-to-pay option seems to have successfully activated on my Verizon Galaxy Nexus. Just found this out a few minutes ago, and haven’t had a chance to test if it actually works yet.

    Just a note for anyone with a Verizon device, once you’re able to get the new Wallet app you may want to try it out.

  • lawrencewinkler

    Why would I want to give AT&T even more profits, on top of their already costly smart phone services?

  • Fawzi94

    Has anyone got Wallet to work on the Droid Maxx/Ultra/X?

  • NIGHTSCOUT

    Mama taught me never to pull out….

  • Fred

    My Moto X came preloaded with a secure-element SIM card here in L.A. According to the Verizon store rep, VZW has rolled out Isis nationally. All their phones now come preloaded with a secure-element SIM card. For older phones, you have to request it. Although I much rather use GWallet over Isis (luckily I have an AmEx card), Isis is only one that works for tap-and-pay purchases with my unrooted (for now) Moto X.

  • David Narada Brown

    I HOPE ISIS DIES QUICK! NO SUFFERING, NO WHIMPERING, JUST DEAD!

    • SuperSam64

      Maybe it’s wrong, but I really want to watch them suffer…

      • David Narada Brown

        LOL! Yea i could find happiness in that also.

  • http://twitter.com/jdrch jdrch

    The problem with alternative payment services like Wallet and ISIS is everyone involved is trying to make money off it, but no one’s interested in paying for the necessary hardware rollout.

    • ataraxia

      The chicken/egg problem of not enough NFC terminals and not enough consumers to support NFC terminals will work itself out if/when iPhones support NFC payments. Until then, we’re going to have our current lack of merchant and carrier support issues.

      Everyone with an iPhone will want to show off their mobile payment capability which will command merchant resources.

      • dizel123

        It doesn’t need iPhone support. What it needs is for the major carriers to stop blocking the only decent service(google wallet). Hard for a service to take off when 90% of people are being actively blocked from using it.

        • SuperSam64

          Exactly. 100 times more installs of GW than Isis (as of a month ago) even WITH Wallet blocked. Imagine if we were *allowed* to use it, installs would go through the roof. This no-NFC bull**** version doesn’t count but at least making the app available to everyone is a step in the right direction.

    • dizel123

      I completely disagree. Google isn’t trying to make money directly from wallet(other than their usual MO of using it to get info to direct advertising). The problem with it is that Sprint is the only carrier not actively blocking Google Wallet to force people to use that farce of a service in ISIS. If GW got unblocked by the carriers and with Google’s advertising money behind it, i can guarantee it would take off.

  • John

    Can someone help me out? How do I pay for something? When I go to MyWallet or send money it asks me to identify myself. So annoying! I pay for stuff online all the time. My card is linked and everything.

    • Tim242

      You don’t have to ID yourself for NFC payments. Not sure about sending money, as I don’t use it for that purpose

      • John

        Where in the app do I use the nfc payments? no where does it say what card Im using or ready to pay or something like that.

        • Tim242

          You have to be rooted and have the xposed patch installed. This is what it would look like. All you would do is tap it.

          • John

            Gotcha. Thx for the info. I get to see the latest transactions but the card is not there. Still annoyed about the ID thing. You were very helpful.

          • SuperSam64

            I’m using the most recent version of Wallet before this update with the Xposed Wallet check disabler. Can I just update from the play store and maintain my tap-to-pay functionality? Do I need to edit my build.prop first? I’m curious to try the update but not interested in giving up NFC payments, which are the reason I use it in the first place.

          • Tim242

            It updates just fine. It shows tap to pay as being ready. However, it doesn’t complete the transaction. So, I’m going back to the old version.

          • SuperSam64

            Thanks for the heads-up, saves me the trouble. I’ll steer clear of this one too.

  • Tim242

    I use Google Wallet on my Verizon S4 every day to pay. I wouldn’t use ISIS, just on principle. I’m glad to see it falling apart.

    • John

      How do I use GW? Can’t find how to ID myself without sending google a bunch of crap!

    • Nathaniel Newman

      Tim242…How by chance do you enable the NFC function on Verizon phones ? I’ve got a GS4 and Commando 4G. Both NFC. Thanks

      • Tim242

        Is your S4 rooted? If so, do you know if you have xposed installer?

        • emrikol

          What ROM are you using? I’ve not had any luck on AOKP with getting NFC payments to work with xposed.

          • Tim242

            Beans ROM, TW-based. I was thinking about trying it on AOKP. What issue does it give you?

          • emrikol

            Everything works fine until I hold the phone up to the nfc payment platform. When I do, nothing happens – no errors, no nfc noise, nothing. Nfc is working fine for all my other apps, so I know it’s something in wallet.

            I haven’t done a ton of digging yet, because I was going to wait on 4.3 to see if it does any better.

            I’ve not tried anything yet for the latest wallet version. I might look into that tomorrow.

          • Nathaniel Newman

            I’m rooted. Stock however. How do I install that patch? Please don’t say recovery. lol

  • Doan

    I can’t help but feel a bit of satisfaction seeing ISIS losing support. I hope the trend continues. There are methods, on XDA, of getting Google Wallet working on nearly any Android phone, and it’s working swell on my VZW GS3.

    • Tim242

      Working great on my Verizon S4 : )

      • Jordan

        It shouldn’t have to be such a pain in the ass to get working though. If it’s not easily accessible, it’s never going to catch on. The entire point is for it to be convenient.

        • dizel123

          +9000

  • NexusMan

    Hope it’s a big dud.

  • RaptorOO7

    So what financial companies are actually left supporting the turd known as ISIS? It can’t be more than one or two and at that rate its a CERTIFIED FAILURE!

    • Blue Sun

      AmEx & Chase… no Visa or Master Card support either lol. I’m assuming Discover Card is not supporting either.

  • John

    The weird thing is that I setup ISIS easy in a verizon store. Use it all the time. Google wallet is asking me to send them a copy of my drivers license or passport and a bill from the last 60 days proving where I live. Pretty annoying just to send my friend 10 bucks I owe him when I use google wallet all the time online and on the play store. I dont know if Isis offers send to friend thing.

  • Jim

    thats good news, isis is such a huge pain to get setup and use. Now with google wallet you can download from the play store on any phone now and is so much simpler and faster to use.

    • John

      Isis was very easy actually. I’m having trouble with GW.

    • Tim242

      Downloading it is just the start. To use NFC, it takes some hacking.
      Well worth it though.

  • MUTINOUS

    HEAR ME… “SPRINT PLEASE SAVE US FROM VERIZON!!!!”

    Build your LTE network and they shall come!

    ps. my G wallet works to transfer money (tested), Verizon G-Nex. side loaded.

    • aQuickBit

      SoftBank needs to dump as much money into them as possible so they can catch up and really put the pressure on our current duopoly. I’d love to have nationwide LTE Sprint coverage which is comparable to verizon.

    • Keith

      This is true, I was originally unable to load it onto my VZW GNex via the store, so I side-loaded. The latest update though came straight from the Google Play, just as any other app I would have installed, so once side-loaded you can update directly from the Play store.

  • http://twitter.com/geoff5093 Geoff Johnson

    Google Wallet > Isis

    • aQuickBit

      We know…

  • Ryan Stewart

    While I really want mobile payments to catch on so I dont have to carry a CC when running or riding the bike I kind of hope ISIS slowly withers and dies, costing the carriers BILLIONS in the process just so they can eat crow for blocking what could have been a viable competitor. I really want their greed at the expense of the consumer to cost them.

  • http://androidtaskforce.com/ Chris Gustafson

    Capitol: government building.
    Capital: Everything else.

    So, Capital One. Living your entire life in a State Capital can make you notice things like this rather quick. Haha

    • Alex Rieck

      and yet

      “Living your entire life in a State Capital”

      • http://androidtaskforce.com/ Chris Gustafson

        Yeah, I don’t live in the building…the city is Capital, the building is Capitol.

  • Daeshaun Griffiths

    I stil can’t believe sprint is the only GWallet supporter.

    • Open1Your1Eyes0

      I figured even T-Mobile might want to be more open and support them to gain more market share (since they support unlocked devices more than Sprint) but I guess not.

      • noc007

        Note to mention T-Mobile was their selected carrier for the first Android smartphone and they’ve done some other exclusive things since that as well. Such a shame.

    • kixofmyg0t

      Not even Google supports Gwallet anymore. It’s not supported on the 2013 N7.

      • cocoman135

        how you going to pull up to a check out and pull out a tablet to pay? besides the N7 dosent have Secure NFC, just plain NFC.

        GWallet requires Secure NFC

        • kixofmyg0t

          Hey it worked on the original N7. I almost bought one just because of that feature.

  • Philip J. Fry
  • JDub

    Well I know “what’s not in their mobile wallet”.

  • Stewie

    Kellen, Make sure you email them at the address thanking them for ISIS, and letting them know that you now added your Capital One card to GW, just so you could now get better functionality with overall mobile payments. :)

  • palomosan

    What’s left of Isis is the new Google Wallet app that can be installed on all phones now.

    • Tim242

      Even though it installs, you have to hack it still for NFC payments.

      • John

        So whats the point of having it besides the loyalty programs?I cant even ID myself without sending google a picture of a government ID and a bill in the last 60 days proving my address. Pretty lame.

        • Tim242

          I use it for NFC payments only.

  • EC8CH

    Bigger Fail?

    Isis or Verizon’s App Store?

    • JamesU513

      Verizon has app store?

      • EC8CH

        Had

    • Stewie

      the Jlo store that likely wont take off ….

      • EC8CH

        That at least had some entertainment value.

        • Franklin Ramsey

          Dat JLo

        • AnotherAndroidKid

          Not really

        • dgdroid

          Yeah, but those colorsss, and the fontsss.

    • Daeshaun Griffiths

      The Gnex connecting to the nexus meaning.

      • EC8CH

        Doesn’t matter… Had Nex-us (on Verizon)

        /s

  • noc007

    I really think that the carriers need to get their heads out of their collective asses and stop blocking Google Wallet and any other competitor. Let the consumers decide which one they want to use. Heck, let them use both at the same time.

    The other day I was in a store that had a terminal that accepted both GW and Isis. Don’t have GW because the app wasn’t allowed and don’t have Isis because I don’t have a card with a bank that’s enrolled into Isis to begin with.

    Still, I don’t trust that the wireless communication is properly secured.

    • Ryan Stewart

      The thing is its actually just as safe (or safer) than the card in your wallet. The whole concern over CCs is, frankly, a joke.

      Look at your subscribers statement to see how much liability you have. Federally its limited to $50 but in practice most banks waive all consumer liability. I could go rampant with your card and its actually up to the vendors to prove that it was you making the transaction. Save video of the transaction taking place its impossible, so the vendor just eats the charge and your account gets credited.

      Ive had my card number stolen twice (both times well before GW) and both times it was a matter of calling the bank about the suspicious charge and them clearing it and sending new cards.

      • noc007

        I should have gone into more detail. I’m happy with the current flow of liability being on the merchant, gateway, front end processor, and then card issuing bank (don’t recall if the network and settling bank maintains any liability for fraudulent transactions). I just don’t trust any of them to not pull the crap they did in Europe with Chip+PIN. At first they shifted libility solely on the card holder claiming it was only possible if they gave out the PIN and ignored any possibility that the terminals could be compromised.

        I haven’t found on whether or not they’ve stopped that practice, but I do believe that it will always be possible to compromise a terminal unless it is not hooked up and in a impenetrable box. I just hope they don’t put their heads further up their ass and believe that any new system is 100% secure and shift the liability to the card holder.

        • Ryan Stewart

          Well, at least in the US where the services we are discussion are relevant, I find it hard for them to shift it since congress set the $50 liability. You’d need congress to change the law and there doesn’t appear to be any lobby pushing it.

        • Tim242

          Fraudulent transaction liability is not on the merchant. It is on theissuing bank, they file it with their insurance.

          • noc007

            I guess it depends on the merchant agreement. The gateway I worked for, chargebacks went like this: Card holder initiates a chargeback. Funds are removed from the merchant’s bank account or rolling reserve and temporarily credited to the card holder. An investigation is launched with requests for signed receipts, signed documentation, tracking numbers, etc. from the merchant. If the transaction was fraudulent, the card holder would keep the funds. If the transaction was not fraudulent, funds would be debited from the card holder back to the merchant and fees would be taken out for each transaction from the merchant. If we had solid proof (signature) that the card holder was incorrect, it would be up to the card issuing bank on how to deal with the card holder, but our merchant was off the hook.

            This may or may not be unusual for merchant acquirers, but the one I worked for had a brand that specialized in less than reputable merchants.

          • Tim242

            You’re talking about disputes. Disputes are charged back to the merchant. Fraudulent transactions work differently than disputed transactions. A disputed transaction would be something that would be the fault of the merchant, like not following return policy, item or service not as described, duplicate charge, etc. The merchant is not at fault for fraudulent transactions, therefore can’t be held liable. I worked at Fidelity Information Services for 3 years processing disputes and fraud cases. It can be very confusing.

      • lawrencewinkler

        Federal law only protects cc transactions. It doesn’t, the last I checked, protect transactions which use debit cards. Many retail stores accept both, with many people and merchants preferring the latter.

    • Jim

      Google wallet is now available, check it out

      • noc007

        I got the update yesterday so the app opens, but I can only do loyalty cards and NFC transactions with a friend; NFC transactions with a compatible terminal are still disabled.

        When I root my phone, I’ll do the leg work to get GW working with NFC transactions. Until then it’s pretty useless.

        • Tim242

          Getting it to work is very easy. It only takes about 10 minutes.

    • Daeshaun Griffiths

      Let us decide! Let us burn our own bridges! Let us!

    • Tim242

      GW and ISIS both work at any NFC terminal.

      • John Davids

        ehh, not any. I have a hacked GW on my VZW g-nex. Works great in most places, but there are some where it does not work. Most…not all. :-)

        • Tim242

          It has never failed me. Maybe some of the terminals aren’t functional. The cell phone store I work in has pay pass terminals, but they aren’t active

          • John Davids

            Naw. Terminals were fine. All the terminals that I encountered that GW did not work on, worked perfectly fine for my AMEX that has an NFC chip in it.

          • SuperSam64

            Works great for me too on my rooted Verizon S4, except in places where they don’t maintain the equipment (Jack in the Box in my area). These are usually places where people hardly ever use NFC payments.

  • JamesU513

    Linked my AMEX card to this yesterday on my Verizon Moto X, worked perfectly at McDs. Still would rather use Google wallet.

  • NastyEmu

    Capital. It’s Capital. Sorry to be that guy but it’s right there for you!

    • Ryan

      Autocorrect fail lol. But we know what you mean.

    • onDroid

      Came here to say the same thing. I work for Capital One so I see this all the time. Being a little OCD it is a constant struggle.

  • randompsychology

    Hopefully this encourages Google to keep bringing it…