Apple Pay Apple Pay in Germany

[docfred]

Hmm, I hope this can be deactivated or substituted by TouchID/FaceID/... :

[doublepost=1523362382][/doublepost]

And read whatever you want into this recent tweet: https://twitter.com/sparkasse/status/982632966676471810

Uih.

 

[maxOS1104]

Hmm, I hope this can be deactivated or substituted by TouchID/FaceID/... :


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Uih.

This is probably for Android, as this payment method won‘t work for iOS (locked NFC chip). On iOS, Apple Pay is the only solution, therefore only Touch / Face ID and no PIN

 

[docfred]

This is probably for Android, as this payment method won‘t work for iOS (locked NFC chip). On iOS, Apple Pay is the only solution, therefore only Touch / Face ID and no PIN

on this diagram you have to enter the PIN on the payment terminal. that has nothing to do with iOS/Apple Pay.

As Apple Pay themselves state, that paying with Apple Pay and/or Apple Pay Cash sometimes need a PIN on some terminals.

 

[maxOS1104]

on this diagram you have to enter the PIN on the payment terminal. that has nothing to do with iOS/Apple Pay.

As Apple Pay themselves state, that paying with Apple Pay and/or Apple Pay Cash sometimes need a PIN on some terminals.

Using Apple Pay, Terminals only require a PIN if the terminal is configured to ask for one for Apple Pay. Apple Pay uses CDCVM (Consumer Device Cardholder Verification Method) which shifts the authentification process from the Terminal to the device (iPhone → Face/Touch ID).
Therefore, Pin entry is only required for devices that don’t use CDCVM (Android?) or Terminals that aren’t configured customer-friendly

 

[BSben]

yaaaaaaaaawn....

What a grown up response. If I were wrong Google Pay would be rushing to be first.

 

[docfred]

What a grown up response. If I were wrong Google Pay would be rushing to be first.

Google Pay has no market share at all. Even in the US. But there are several NFC payment apps for Android already on the German market. Postbank, Deutsche Bank, Boon., Sparkasse beginning mid 2018, etc.

Several stores already promote Smartphone payment in their locations or in the Web (Kaufland i.e.)

 

[SenileBooster]

Google Pay has no market share at all. Even in the US. But there are several NFC payment apps for Android already on the German market. Postbank, Deutsche Bank, Boon., Sparkasse beginning mid 2018, etc.

Several stores already promote Smartphone payment in their locations or in the Web (Kaufland i.e.)

You must clearly see the pattern here, do you not? All of your examples of mobile payment methods are provided by single banks themselves for Android only. Nothing to do with GooglePay, SamsungPay, let alone ApplePay.
So they remain in overall control of the costumer data and the payment fees. So no problem for them to offer the possibility of smartphone payment at least on Android phones.

But if they do offer ApplePay eventually they will lose that strict control over the costumer data and part of the fees (same goes for GooglePay and so on).

That’s the elephant in the room and I’m firmly believe that this is one of the things why banks in general are not that happy about ApplePay and GAFA in general invading the payment sector.

And yes, it’s up to the banks to allow their customers to decide what they want, not what the banks believe the customers need.

PS: This is a article in German about safety and data security of ApplePay. Well worth the read. https://www.datenschutz-notizen.de/apple-pay-anonym-und-sicher-bezahlen-0911036/

 

[docfred]

We already discussed this question several times in this topic and its predecessor.

Your claim is not plausible, because several bigger and smaller banks on the german market already support Apple Pay in foreign countries. There's not a single argument that would make sense, why they should support Apple Pay and/or Google Pay in foreign countries by their sub companies or their parent companies and the german branch of this bank rejects it or does not get the allowance to support Apple Pay and/or Google Pay.

Once again the list of Banks and service providers that support Apple Pay and are working on the german market too:
- HypoVereinsbank (since about 10 years a sub of UniCredit)
- Barclaycard/Barclays Bank
- WireCard (parent of the boon. app and a german company, based in Aschheim!)
- N26 (german company)
- Santander
- bunq
- American Express
- ING-DiBa
...

Not one single reason, why they all should decide "well, in Italy, Spain, Australia or the US... ok. but not in Germany. No Way. We don't want to. There okay, here nope.".

In some way it's getting boring to repeat the same questions and answers every few days again and again. sorry, no offense.

 

[SenileBooster]

Sure your argument about this inconsistency seems to favour the thinking that only  is to be held accountable for the start or the lack therefore of ApplePay in Germany but we have to admit that all what we do is the better part of guessing what this is all about. And the domestic Banks need Apple and Apple needs the banks.
I for one can very well imagine that Apple has agreed with the Sparkasse und Volksbanken, to start ApplePay only when they start their own apps for Android.
So it simple could be a mutual agreement between both sides.
As I said...speculat is all we do here.

 

[4254126]

I for one can very well imagine that Apple has agreed with the Sparkasse und Volksbanken, to start ApplePay only when they start their own apps for Android.

That's my guess as well and I agree with the points you raised..

I've really got into payment services and Apple Pay over the last year or so trying different services, cards and stuff. I also kept nagging my main German bank (Sparkasse) about it. I have also had some communication with them on the matter.

(Attention short offtopic incoming) I have to say that the bank is great and they really make an effort to send meaningful responses. I recently had some problems with their S-ID-Check app which honestly is absolute rubbish. But it's not their fault and they're working on a fix (that they came up with themselves!) with the devs. Sometimes they're a bit slow, but I value having a single person to deal with, having their personal office phone number, personal email and everything I do goes via this one person or possibly someone standing in for them if they're on holiday. Some of my experiences with British banks have been disappointing, to say the least. Every time you call them or speak to them in branch it's someone different, no one has a clue of what was processed beforehand and you have to always start from the beginning. I don't really feel that personal connection I do as with the Sparkasse. The best of them all is Nationwide (a mutual building society) who I must say are great! So yes I'll stand up and defend the Sparkasse. Btw I really like your German banking setup / ethics with the co-op banks (Volksbank) and public banks (Sparkasse). I don't care much for Deutsche Bank but I'm drifting way off-topic now...

As a bit of a teaser: There is an event coming up in the next couple of weeks together with S-Payment and I am allowed to go (although it is not a customer facing event). S-Payment is the division that builds all the payment systems for all the Sparkassen and works on integration with Girocard and the other partners like Visa/MasterCard. They are also responsible for Paydirekt/the upcoming Girocard digital/Apple Pay (?).

Although I don't expect to see/hear anything specific, I will keep my eyes peeled and ears open about anything regarding Apple Pay Maybe I might even get to have a chat with someone. Yes, I will report back (as long as I don't have to sign an NDA ).

 

[insider_no]

And read whatever you want into this recent tweet: https://twitter.com/sparkasse/status/982632966676471810

And again a duck. Nothing will happen, otherwise it would be a violation of Apple's confidentiality clauses.

 

[4254126]

A duck?

Anyway of course they won't announce anything yet. But as we've seen before: There are banks that straight up deny any participation in Apple Pay and the Sparkasse isn't. On the contrary. So this is our best bet.

 

[docfred]

And one detail to mention in this twitter-thread: "We can not do anything until Apple starts Apple Pay in Germany."

 

[postscriptum]

This is something, some people will understand, when they are in trouble and nobody at bunq/n26/wirecard/... will help them. Because there isn‘t someone anymore, to talk to. Perhaps already knows you and has the rights to help you.

Bunq has an excellent customer support. You get somebody within seconds. And they really help. That’s one of bunqs treats. They have other little problems for me.

They really should not be next to n26.

 

[Karma_isA_8itch]

Bunq has an excellent customer support. You get somebody within seconds. And they really help. That’s one of bunqs treats. They have other little problems for me.

They really should not be next to n26.

I totally agree with this. You can’t compare N26 and bunq at all. N26 used to have good support in the early days but that’s a long time ago. With bunq you get immediate help and they really fix your problems within a mater of time. Of course bunq is not perfect but for me it very much is. It’s not like the traditional banks are perfect. And bunq says themselves: bunq not bank.

 

[4254126]

For all you boon. users: New update via the App Store. Still not available in the German store though

 

[Schwabe85]

Update also in the german store

 

[reneHB]

Update also in the german store

No since iOS 11.3 you can update Apps from different countries without changing to an App Store account from that country.

 

[SenileBooster]

Update also in the german store

Not really. This is a new feature launched with iOS 11.3.
It's just so that you will be presented with all available updates from apps that are already installed at your iOS device no matter what store they are from. So from now on you are able to update without manually changing the AppStore. This is done in the background by the app itself. First time you try to update an app from a „foreign“ AppStore you will be prompted to login to this one as well though.

 

[AlexSch91]

Someone used a credit card top-up today?

I just got an mail from boon that my auto top-up didn´t work.

The mail came exactly at the time I made the payment that decreased my balance under my defined top-up barrier and of course I can see in my boon account that the auto top-up didn´t work.

And also manually credit card top-up in the app is not working for me. I tried both: Before the update and after the update. Makes no difference.

I can clearly say that the standard reasons they mentioned in the mail are not apply to me.

I used a Sparkasse credit card that worked multiple times before. Is it possible that my bank permanently blocked wirecard, maybe because the system detects it as a possible fraud for the regular top-up?

If someone of you needs to update his balance by the minimum of 10€ coincidentally today, it would be nice if he can give me feedback if it´s working for him

 

[SenileBooster]

No problems with auto–topup via Credit Card.

 

[AlexSch91]

No problems with auto–topup via Credit Card.

Okay thanks!!

So tomorrow I will first call boon and then my Sparkasse

 

[Mr-Fly]

Same here. Auto-TopUp with Miles and More Creditcard.
Topup of about 57€ to go back to 100€.
Worked smoothly.

 

[Ney]

Just changed my auto-top up to test - worked fine. so no problems with the update.

BTW i tested my "spain" Mastercard and Maestro from bunq with apple pay- worked perfectly. I dont think, that they will close that trick soon. the only "bad" thing about bunq is that you need premium account which costs 8€. so boon. is still cheaper even after 1year
You can even still get a working apple pay - n26 card without having the fear to get your account closed. its not easy like the old trick - but you can still get one.

 

[-Maxim-]

I used my N26 card to top up today - worked fine except that it showed an error message saying "There's a problem with 3D Secure...blablabla" but it put the money on anyway. Strange but that happened before...