Apple Pay Apple Pay in Germany

[4254126]

Let's use this thread to discuss Apple Pay in Germany...

Experiences, developments etc. all in a single thread!

UPDATE: 31.07.2018 - Tim Cook confirmed that Apple Pay will launch later in 2018.
UPDATE: 05.11.2018 - Apple Pay DE site has gone live / showing "coming soon" + launch banks
UPDATE: 11.12.2018 - Apple Pay DE has gone live

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Supported banks at launch

• American Express
• boon. by Wirecard
  
• bunq
  
• comdirect
• Deutsche Bank
• Edenred
  
• Fidor Bank
  
• Hanseatic Bank
  
• HypoVereinsBank
  
• N26
• o2 Banking
• VIMpay (by Pay Center)

Launching "soon" (2019)

Last updated: 11.12.2018

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Official Apple sites:

• Apple Pay DE Official Site: https://www.apple.com/de/apple-pay/
• Apple Pay Supported Banks (Europe) overview: https://support.apple.com/en-gb/HT206637
• Apple Pay Supported Countries: https://support.apple.com/en-gb/HT207957

 

[Dranix]

There is no Bielefeld - stop spreading fake news ;P

 

[iToph]

What happened?

Just clicked the add card and get after a few seconds spinning wheel - but was online so I could post this ...

View attachment 807323

EDIT ---- and gone again to the normal Konfiguration Error - do they play around maybe

Actual footage from apple headquarters, department for Apple Pay Germany:

 

[therealtibu]

One last post about this guy:

here are the highlights I found in his timeline

 

[iToph]

Germany is the AirPower of Apple Pay.

 

[MacFinnley]

No offense, but this thread is about Apple Pay, not about health apps and Apple Watch ECG

 

[docfred]

i whish you all a good night sleep, and tomorrow we all have...

... the exact same life as before.

 

[Nishko]

https://twitter.com/real_mos/status/1062586724990230528

He is not wrong

 

[dschulian]

Yes, you´re right. But the waiting time seems eternal.

I and many others are waiting for years. I remember when I've bought my iPhone 6 in November 2014 I said to myself: "One day, I can use this piece of technology to pay for my groceries."

Fast forward, 4 years later, my iPhone 6 turned into a XR and this service still has not started. In my point of view, it's another missed opportunity of Apple to make some ground in Europe compared to Android. Because, 4 years ago it would be a game changer, esp. since back then I couldn't even get a NFC card from my Sparkasse. Nowadays it's something everyone should have by now (a nfc capable girocard)

 

[nordmaler]

Frage:
"Vor dem offiziellen Start gab es viele Gerüchte. Warum haben Sie aus dem Termin so ein Geheimnis gemacht?"
Apple:
"Es hilft, die Spannung im Markt zu steigern. Die Leute wachen morgens auf und schauen, ob sie ihre Karten schon zur Apple Wallet hinzufügen können und freuen sich darauf. Es ist für uns ein sehr effizienter Weg, um Aufmerksamkeit zu bekommen. "

i would say it worked

 

[EMc00]

It looks like Amex had some maintenance at the same time, which of course means nothing for people who get easily annoyed by rumors... in a macrumors forum

 

[4254126]

Right, I need to be a bit more precise on some information I have given before: I stand by the fact that the boon. app should appear overnight in the German App Store - which happened in the most recent launches that boon. was part of (Italy and Ireland). It also makes sense, especially if boon. is a launch partner.

Sources:
-> https://www.ispazio.net/1804297/apple-pay-italia-disponibile-boon
-> No detailed source for Ireland, but I clearly remember this

What isn't correct is that I stated the timeframe for a launch was usually 07-10am. That used to be the case, but this year generally the launch has been at around 5-6am local time. That is a fact for Brasil, Poland, Norway and as we saw also for Kasachstan/Belgium.

Sources:
-> https://thinkapple.pl/2018/06/19/apple-pay-polska-juz-dostepne/
-> https://www.tek.no/artikler/apple-pay-lansert-i-norge/440361
-> Users sharing pics of their cards being added on Twitter: Usually starts at around 6am (ie. https://twitter.com/ApplePayBR/status/980643089999069184; https://twitter.com/alexanderslev1n/status/996976922298146817)

I think we could expect the same for Germany. I just wanted to clarify this, as I like facts... not fake news (hi, mr n4p84).

 

[iToph]

03:25, my eyes plopped open, first thing I do: check this thread. I need professional help.lol

 

[docfred]

Must be difficult to write in English in an English speaking board ...

 

[kkrdvc]

Looks like a deployment plan of one Czech bank has unofficialy confirmed Apple Pay for the Czech Republic in Q1/2 2018. And as we all know, it has been speculated the whole time that the new Apple Pay countries in EU are starting at the same time. ☺️
[doublepost=1518437709][/doublepost]It even says it’s now dependent on “Apple’s rollout plan”

 

[4254126]

Seeing some of the reactions you get in Germany when using contactless, an advert like this might be appropriate at launch...

 

[Alx12084]

here is an update https://www.apple.com/de/apple-pay/

 

[Alanin]

whats their source though? I believe the banking guy more than ifun

their source is maybe a suspicious thread at macrumors...

 

[Karma_isA_8itch]

Too bad I was all hyped up for today. Apple Pay Germany really is a sad story. I know, I know they said "later this year" but come on ... Its like going to the restaurant sitting at your table and waiting for the waiter which is serving everyone else but you in the room even so he told you "Im coming!". Guess I'll go to sleep now.

 

[4254126]

I am 100% positive that it's not because of their stores. I don't know why this was even picked up when somebody wrote that crap...

Apple, a company that can ship millions of new phones in a day, with all the logistics, they are able to send a few new terminals to 15 stores and install it in a minute after hours that it is ready...

So maybe something else, but definitely not that...

I don't think so either. Maybe someone at Deutsche Bank is trying to distract from the fact they have problems integrating AP (+ are under investigation due to ... ANOTHER scandal)

 

[Nishko]

Surely referring to this thread

 

[Karma_isA_8itch]

Schämst du dich nicht, hier in einem Apple Pay Thread für den deutschen Markt auf Deutsch zu schreiben? Geht ja wohl gar nicht!

 

[Karma_isA_8itch]

can you provide us the emails text as template? i am curious, great success rate btw.

Sehr geehrte (HIER NAME DES UNTERNEHEMS),
wie ich leider feststellen musste, ist es bei Euch in der FILIALE NAME ORT nicht möglich, mit Kredit-/Debitkarten von Mastercard oder Visa zu bezahlen. Ebenso wenig wird das kontaktlose oder mobile Bezahlen unterstützt, was ich als Kunde sehr bedaure.
Wie Sie vielleicht schon selbst erfahren haben, steigt die Anzahl der im Umlauf befindlichen Kredit-/Debitkarten stetig an. Dies liegt nicht zuletzt daran, dass es immer mehr Direktbanken und Start-Ups wie die Commdirekt, N26, Revolut oder bunq gibt, die ausschließlich Debit Mastercards ausgeben. Leider verfügen diese Direktbanken über keine girocards und keine eigene Bankautomaten, so dass Kunden in der Regel nur gegen teures Aufgeld über Bargeld verfügen können. Sogar die Deutsche Bank gibt mittlerweile Debit Mastercards an Ihre Kunden aus.
Vielleicht ist es Ihnen nicht bekannt, aber die Europäische Union hat 2015 eine neue Richtlinie verabschiedet, welche die Gebühren für Kredit-/Debitkartenzahlungen auf max 0,3 % (Kreditkarten) bzw. 0,2 % (Debitkarten) limitiert. Damit ist die Girocard mit 0,2 % die in der Regel pro Transaktion fällig werden nur unwesentlich billiger als die Kreditkarte. Debitkartenzahlungen sind sogar genauso preiswert wie Transaktionen mit der Girocard. Die Zeiten bei denen Händler bis zu 5 % für Kreditkartenzahlungen an das Kreditinsitut bezahlen mussten, sind also längst vorbei und sollten nicht als Ausrede dienen.
Da Ihre Filiale die oben genannten Bezahlvarianten nicht akzeptiert, heißt das für mich als Kunde, dass ich mich immer wieder gezwungen sehe, bei der Konkurenz einzukaufen, da die eben jene Zahlungsmittel akzeptiert. HIER EVENTUELL PERSÖNLICHE ANMERKUNGEN ZUM BEISPIEL DER BÄCKER MÜLLER AKZEPTIERT MASTERCARDS DAHER KAUF ICH MEINE BRÖTCHEN DA. Da ich sehr gerne bei Euch Kunde bin würde ich mich freuen, wenn Sie zeitnah das kontaktlose und mobile Bezahlen mit Kredit-/Debitkarten einführen würden.
Über eine positive Rückmeldung würde ich mich sehr freuen!
Mit freundlichen Grüßen,

NAME

Ich schreib das hier jetzt auf deutsch, weil sich das eben auf deutsche Händler bezieht. So in der Art hab ich die eMails geschrieben. Natürlich muss man ein paar Formatierungen vornehmen, Namen, Straße und Ort des Geschäfts etc. hinzufügen und was auch nicht schaden kann persönliche Erfahrungen dazuzuschreiben. Zum Beispiel in meinem Fall war es so das der "Basic Bio Bäcker" bei mir ums Eck fünf Meter neben einem "Hackner Bäcker" liegt. "Basic" akzaptiert alle Karten bei jedem Betrag, der "Hackner" nur Bargeld. Dann hab ich halt gesagt dass ich gerne beim Hackner meine Brötchen kaufe, aber ich nur mit Karte zahl und der "Basic" nimmt die Karte eben. Also klar wohin ich geh um meine Brötchen zukaufen, auch wenns beim "Basic" teurer ist als beim "Hackner". So in der Art kann man das ja auf viele Geschäfte anwenden. Eine persönliche Note eben der Mail anfügen dann kommt eigentlich immer was Gutes zurück, so meine Erfahrungen.

 

[jokant]

From a law perspective I wouldn’t worry too much about it. Apple isn’t monopolistic. Their market share is not that high.

Apple Pay is available in UK (which is still a part of the EU) since July 2015. Many other countries have Apple Pay today. Nothing ever happened. Now it comes to Germany and all of a sudden the EU has to force Apple? It doesn’t make sense. In comparison to other countries iOS in Germany has actually quite a small market share. The case of Google is totally different.


Some banks talk about access for everybody and fair competition. What they actually want is using Hardware and Software for free. How much does Sparkasse pay Google and the device manufacturers (e.g. Samsung, Huawei etc.) for their own mobile payment solution? Nothing.

NFC won’t be the only thing. Next there will be CDCVM. They will demand access to Touch ID and Face ID. They cost years and billions in research and development. They want it for free.


Look at Payback Pay, Blue Code, Twint and the Chinese giants Alipay and WeChat Pay. They all work on iPhones. They don’t need access to NFC. Thus some banks only want to copy Apple Pay and use it for free.


Long before Apple Pay was introduced in 2014 many people called mobile payment the next big thing. All the banks that are against Apple Pay had the chance to developed something. They didn’t. They waited. It's like PayPal all over again.

 

[zdfbe4ah]

Apple produces the hardware and the software of the iPhone. It is their right to offer none or any of their product features via a public API. They decided to open the camera or to integrate touch id, you can use these. They decided to lock NFC and Siri for everybody, you can't use them. It's their fair right to do so.
It would be problematic if Apple says "here Deutsche Bank use NFC, and no Sparkasse you are not allowed to use it" – but that is not the case. Every bank has the same rights on Apple's platform. Apple is not really a competitor to the banks – they are a service provider – they provide the service of mobile payments for banks to use, if they want to.
I don't see any reason why Apple's behaviour is wrong in a competitive or ethical way.

Also Apple could decide, that the Sparkassen-App is against their App Store policy and kick it out — it would be their fair right to do so (from a legal stand point) – that however I think would be unethical and problematic.