said by Robrr: said by corster:
PayPass isn't and never has been a proprietary system - it's simply the NFC component of the EMV standard.
Tim Horton's had an exclusive deal with Mastercard, which is why they never accepted VISA cards until recently.
You are correct that PayPass is the NFC component of the EMV standard. The same can be said for Visa's PayWave. The systems were proprietary in that your Visa card wouldn't work on the PayPass system nor your MC working on the PayWave systems.
Paywave is also using the NFC component of the EMV standard. There's no difference between the two other than the brand name. Same with AMEX's Expresspay, for that matter.
Any reader that works with one will work with the other - the only limitations being the software on the card processing device, and the merchant's acceptance of specific cards.