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Apple Pay Apple Pay in Germany

This Ehssan guy also talks about that time trick with next monday.
Maybe he is guessing as well about the correct date and only had a source for today’s announcement.
 
sir-hd said:
I hope they don't do that partnership - for many reasons.

Apple should now be able to force banks to participate in Apple Pay, at least banks can get a share of transaction. I prefer the integrated solution with banks directly and I think Apple agrees. It fits more with their idea of services.
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if they can it make anonymus like the way with integrated banks, i see a solutiion for all others, who have accounts on a bank without apple pay participation.

but yes, it would be the best way to get those banks on board.
 
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Tomorrow evening will be interesting. As bunq seems to lack discipline :)D), CEO Ali Niknam might tell us all when Apple Pay is incoming... maybe :cool:
 
Mac-lover3 said:
That event is for Germany or the Netherlands?
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It's for bunq.

Google bunq Update #9. They usually show a couple of new things, tomorrow there will also be a live stream. The last update was underwhelming so I'm assuming Apple Pay for Germany will get at least a mention.
 
Schwabe85 said:
New statment from Sparkasse about mobile payment (ApplePay). :)
https://twitter.com/sparkasse/status/1059386796029734912
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It‘s the same answer they always give, just phrased differently to please the common people spamming their social media pages. Don‘t think they budge any time soon, an acquaintance of me works at a Sparkasse branch (sadly no insider info, but there are supposedly 2 groupings: people who really want Apple Pay being offered and then higher ups, or better say the grouping with more voting power, who are adamant about pushing their own solution).
 
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Tried adding my MyEdenRed Card (Belgian Card) and this showed up while my region was said to France. But also couldn't be added to Apple Pay.
 
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Mac-lover3 said:
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Tried adding my MyEdenRed Card and this showed up while my region was said to France. But also couldn't be added to Apple Pay.
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As I see your location is Belgium, are you trying to add a Belgian or German EdenRed card? I'm asking because this thread is about Apple Pay in Germany and I saw you were talking about BNP Paribas a few pages back. There is another thread about other Apple Pay countries on MacRumours. :)
 
sir-hd said:
As I see your location is Belgium, are you trying to add a Belgian or German EdenRed card? I'm asking because this thread is about Apple Pay in Germany and I saw you were talking about BNP Paribas a few pages back. There is another thread about other Apple Pay countries on MacRumours. :)
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This is a Belgian card as well. The other thread is not as active that's why I'm posting it here. Should I not?
 
Interesting discussion on twitter:
Is payment via Apple Watch as we know it today (just initial one time entry of PIN number as you buckle it on, no further authentication) compliant with the needs of SCA as demanded by PSD2 by the end of 2019?
 
docfred said:
Interesting discussion on twitter:
Is payment via Apple Watch as we know it today (just initial one time entry of PIN number as you buckle it on, no further authentication) compliant with the needs of SCA as demanded by PSD2 by the end of 2019?
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SCA allows frictionless flow for remote card transactions and JP Morgan has an nice PDF that explains it https://www.jpmorgan.com/jpmpdf/1320745288478.pdf

PDF. Tldr;
Transactions up to €30 - Frictionless flow allowed for all transactions
up to €100 - Frictionless flow allowed if acquirer’s fraud rate is less than 0.13%
up to €250 - Frictionless flow allowed if acquirer’s fraud rate is less than 0.06%
up to €500 - Frictionless flow allowed if acquirer’s fraud rate is less than 0.01%

and as I could find current Apple Pay fraud rate is 6-7% so I agues Apple Watch Apple Pay payments would work for transactions up to 30€ which seems fair user flow. You don't want to swipe 500€ with the watch I guess XD
 
docfred said:
woha. o_O do you have sources?

So according to this numbers and the linked PDF; Apple Watch payments are at this point not compliant with psd2?
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source -> every single tech news site

and for Apple Watch payments, so how I see it is till 30€ it would be friction less, tap and go. For above 30€ either you'll have to enter PIN in POS terminal, or use iPhone to confirm it with TouchId/FaceId. Although PIN seems the most likely to happen as that's what sometime happens in the US with Apple Pay Cash payments (the pin is 0000)
 
Alx12084 said:
source -> every single tech news site

and for Apple Watch payments, so how I see it is till 30€ it would be friction less, tap and go. For above 30€ either you'll have to enter PIN in POS terminal, or use iPhone to confirm it with TouchId/FaceId. Although PIN seems the most likely to happen as that's what sometime happens in the US with Apple Pay Cash payments (the pin is 0000)
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I'm not able to find any sources after 2015. In 2015 there numbers like ~6-8% due to a weak implemented verification process at the banks (you'd have to call a call center agency) to get your card into wallet.

After that I don't seem to find any reliable statements.
 
Timeeee said:
I'm not able to find any sources after 2015. In 2015 there numbers like ~6-8% due to a weak implemented verification process at the banks (you'd have to call a call center agency) to get your card into wallet.

After that I don't seem to find any reliable statements.
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true, and it was result of some study by Aite Group

but even if there is a change there are also other factors that influence if acquirer will be able to use frictionless payment for larger sums.

I think JP Morgans clearly shows the overall picture what would possibly happen, and I don't work at Apple's R&D to know clearly what will be the case, all of my comments are just my thoughts, I am not insider so don't take them as PRs :)
 
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