Apple Pay Apple Pay in Germany

[tobyx]

Can somebody give me a clear statement about the 25€ Grenze with pin at terminals? I thought we don’t need this with applepay.

Somebody wrote it depends on the terminal. But Apple writes that you have to use the pin every single time when the payment is above the 25€

There is no limit if the payment terminal is up to date and thus supports CDCVM (customer device cardholder verification method). With this, you can pay any amount and additionally don't have to enter any PIN because the terminal knows that the owner has been verified by the device (Face ID, Touch ID, Wrist detection, ...).

If the terminal is not up to date, usually all it should do is ask for a PIN above 25 or 50 EUR. The PIN for Apple Pay, according to Apple, is any 4-digit number. 0000 should work.

 

[Nishko]

Just found this one

https://support.apple.com/de-de/HT207435

Apple has this limit everywhere

Do you understand what "möglicherweise" means?

You authenticate the payment via CDCVM. If the terminal is not configured correctly it may prompt for a PIN, in which case you just enter 0000.

 

[Praeceptor]

Do you understand what "möglicherweise" means?

You authenticate the payment via CDCVM. If the terminal is not configured correctly it may prompt for a PIN, in which case you just enter 0000.

Yes I understand this and I wanted to know the details from the experts here.

So I don’t need the pin of my original N26 card? Only 0000?

 

[revres]

Thank you. So basically we have to wait until all terminals are going to be updated.

You don't have to wait. I payed already countless times and i only got once a PIN request at a very old terminal. So i would say 99,9% are already updated in Germany.

 

[tobyx]

So I don’t need the pin of my original N26 card? Only 0000?

Exactly.

EDIT: I guess I was wrong. The PIN is the PIN of your original card or one you assigned in the respective app. The "doesn't care what PIN you enter" applies to Apple Pay Cash.

Source: https://support.apple.com/de-de/HT201239#stores
and: https://support.apple.com/de-de/HT207435

"Ihre PIN"

 

[revres]

Exactly.

At boon I had to put the PIN defined in the app, otherwise it was not allowing the transaction.

 

[LutzRFrank]

Just charged myself 26€. No PIN/signature required

paid fuel this morning using the Amex AP ... 60 € ... no PIN

 

[docfred]

Can somebody give me a clear statement about the 25€ Grenze with pin at terminals? I thought we don’t need this with applepay.

Somebody wrote it depends on the terminal. But Apple writes that you have to use the pin every single time when the payment is above the 25€

I already paid amounts above 200€ with Apple Pay without entering a PIN.

And where does apple state that?

 

[tobyx]

I already paid amounts above 200€ with Apple Pay without entering a PIN.

And where does apple state that?

They don't, they say "möglicherweise" or "might need to" https://support.apple.com/de-de/HT207435
[doublepost=1544531799][/doublepost]

I already paid amounts above 200€ with Apple Pay without entering a PIN.

Then the terminal supported CDCVM.

 

[LutzRFrank]

At boon I had to put the PIN defined in the app, otherwise it was not allowing the transaction.

N26, the PIN defined in the app, too

 

[docfred]

Then the terminal supported CDCVM.

I know

I never had to type in a PIN if paying with AP the lasts months. Two times I had to sign at the terminal ... at IKEA

 

[murgo]

So guys, while I wait for DKB, what’s the most convenient way for me to use Apple Pay in the meantime?

Boon. seems to be the best thing right now. I could use that for the first three months and by then DKB should be ready, right?

Anyone?

 

[therealtibu]

I know

I never had to type in a PIN if paying with AP the lasts months. Two times I had to sign at the terminal ... at IKEA

Yes, this was a wrong config for a long time.

Payed with N26 and AP last Thursday and they fixed it No need for signature or PIN at Ikea Kassel anymore

 

[revres]

Anyone?

Thats how i did it prior to launch and still do it now, as Amex is not accepted everywhere and DKB, Santander, Revolut, LBB and Advanzia did not launch yet. But keep in mind that the launch of DKB is expected in April 2019

 

[docfred]

So guys, while I wait for DKB, what’s the most convenient way for me to use Apple Pay in the meantime?

Boon. seems to be the best thing right now. I could use that for the first three months and by then DKB should be ready, right?

That’s the way to go

But it will probably take longer than three months.

 

[4254126]

Regarding entering a PIN: I've never needed to do that - in my three years of using Apple Pay!

Also Revolut has announced that Apple Pay is incoming...



https://twitter.com/RevolutApp/status/1072458981237551105

Love this comment of theirs: "We promise, the wait is almost over this time"

 

[michelmike]

https://www.apple.com/de/apple-pay/
Btw obviously the shops did change with Bayern München etc. but some shops were replaced as well...

This site for example.
https://www.cdkeys.com

 

[tabilo]

It could be that the missing German Apple Pay support was a blocker for them, since they issued UK bin ranges for all cards.

 

[4254126]

It hasn't even taken until the end of the day for boon. to race to the top of the charts! Just behind Sparkasse... I wonder if they'll overtake them (it would be so satisfying)!

 

[revres]

It seems revolut now means "soon" as really soon
https://twitter.com/ales_slaby/status/1072483235765108736

 

[michelmike]

Im wondering if well see any TV ads for Apple Pay.

 

[OneZweiThree]

Anyone here with a Comdirect account who has a better deal for new customers than the one on their webpage with 100€ bonus?
Thanks in advance!

Dont have a better deal, but I could send you an invite, that would help me out.

 

[murgo]

Thats how i did it prior to launch and still do it now, as Amex is not accepted everywhere and DKB, Santander, Revolut, LBB and Advanzia did not launch yet. But keep in mind that the launch of DKB is expected in April 2019

That’s the way to go

But it will probably take longer than three months.

Alright, thanks boon seems to be the simplest solution since it doesn't involve a new bank account. Can I set it up to simply charge my DKB Visa everytime I pay via boon/Apple Pay?

 

[4254126]

It seems revolut now means "soon" as really soon
https://twitter.com/ales_slaby/status/1072483235765108736

Sorry to disappoint, but it's a fake

 

[revres]

Alright, thanks boon seems to be the simplest solution since it doesn't involve a new bank account. Can I set it up to simply charge my DKB Visa everytime I pay via boon/Apple Pay?

Yes, auto tip up with your DKB Visa, but you will always need to keep money on Boon