Got a tip for us?
Let us know
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.
Apple Pay Apple Pay in Germany
- Thread starter 4254126
- Start date
- Sort by reaction score
Yes I understand that. Maybe should‘ve made that clearer in my original question. So why did they change the promoted card
networks now?
I never was able to pay anywhere with the bunq maestro. Even in stores that accepted MasterCard and Visa.
don‘t know if it‘s about the maestro or if its a bunq thing.
Looks like the gears are kicking into motion:
www.sparkasse.de
Apple Pay | Einrichten und mobil & online einsetzen | Sparkasse.de
Ob mit Ihrem iPhone und jedem Apple Pay-fähigen Gerät – einfach Apple Pay einrichten und im Web, InApp oder kontaktlos mit dem Smartphone im Laden bezahlen.
NFC-Schnittstelle: Finanzausschuss bringt Gesetz gegen Apple-Pay-Monopol auf den Weg
Der Technologiekonzern Apple soll gezwungen werden, seine Datenschnittstelle zu öffnen. In diesen Fall hatte sich sogar die US-Botschaft eingeschaltet.
Is that good news or bad news? Some "Doomsayers" are already predicting the end of Apple Pay in Germany, saying that Apple would never open NFC for payments but rather close it for everyone completely. What do you think?
Is it possible that you copy the text or maybe when the whole text is not allowed to post, then to give some important quotes from the article for the people that don't have or want access over the paywall
Thanks a lot!
Is it possible that you copy the text or maybe when the whole text is not allowed to post, then to give some important quotes from the article for the people that don't have or want access over the paywall
Thanks a lot!
Gesetzes-Coup: Muss Apple sein iPhone jetzt für Banken-Apps öffnen?
Der Finanzausschuss hat ein Gesetz verabschiedet, das Apple womöglich zwingen könnte, sein Betriebssystem iOS für die Payment-Apps der Banken zu öffnen
www.finanz-szene.de
Just google it or look here
But there might me a loophole Apple could use in terms of security:
Translated with help from DeepL, page 78 of http://dip21.bundestag.de/dip21/btd/19/151/1915163.pdf (German)
I see multiple defense strategies for Apple
1. They close NFC completely in Germany, so they don't contribute to payment services anymore. That would be the worst case und would probably totally destroy the relationship with the bank as reliable partner. For Apple, the German market would be dead for the next years.
2.It is not mentioned in §58a that the "Infrastrukturleistung" has to be the NFC-Chip. Maybe they could argue, that they already opened e.g. Bluetooth, what also works for payment transactions.
3. They have to offer NFC with "reasonable conditions". It is absolutely unclear when a condition is reasonable and when it isn't. They could simply just take a transaction fee that is at least as high or even higher as the Apple Pay fee. Thus nobody would use it.
4. What TSMusik said.
5. They offer the Apple Card asap.
6. EuGH/Bundesverfassungsgericht (rather unlikely)
1. They close NFC completely in Germany, so they don't contribute to payment services anymore. That would be the worst case und would probably totally destroy the relationship with the bank as reliable partner. For Apple, the German market would be dead for the next years.
2.It is not mentioned in §58a that the "Infrastrukturleistung" has to be the NFC-Chip. Maybe they could argue, that they already opened e.g. Bluetooth, what also works for payment transactions.
3. They have to offer NFC with "reasonable conditions". It is absolutely unclear when a condition is reasonable and when it isn't. They could simply just take a transaction fee that is at least as high or even higher as the Apple Pay fee. Thus nobody would use it.
4. What TSMusik said.
5. They offer the Apple Card asap.
6. EuGH/Bundesverfassungsgericht (rather unlikely)
chipTAN or push TAN, why? I´m using chip TAN USB right now. This would mean that I need pushTAN as well, to be able to use Apple Pay with Sparkasse.Looks like the gears are kicking into motion:
Apple Pay | Einrichten und mobil & online einsetzen | Sparkasse.de
Ob mit Ihrem iPhone und jedem Apple Pay-fähigen Gerät – einfach Apple Pay einrichten und im Web, InApp oder kontaktlos mit dem Smartphone im Laden bezahlen.
I hope you are right. I just setup the app and added one account and my CC to it. I do not trust this app a 100%.
Last edited:
Boon Planet could become more valuable beside of the ApplePay feature
www.wirecard.com
Wirecard to offer attractive current account… | Wirecard
Wirecard – fully integrated, digital financial commerce platform. We offer worldwide services for innovative digital payments: online, mobile, and at the POS.
www.wirecard.com
Looked it up on the Sparkasse of my wife. They really want 2,50€ per month for the Basis Visa which is a debit. They are really crazy!
Edit:
And just looked at SSK Düsseldorf, they want 36€ / year.
Edit:
And just looked at SSK Düsseldorf, they want 36€ / year.
That has been up for quite a while now.
My bet is on early December, potentially with iOS 13.3. I wish they'd be more open with Apple Pay rollout information but at least it's happening in the next few weeks.
You are right, but it wasn´t placed that prominent before.
[automerge]1574356330[/automerge]
Better to get the Credit Card. 25€ per year Standard MC or Visa, those who have Visa.
Last edited:
Yes. But as this is a normal credit it depends on the customer how much credit limit he gets. So sometimes a debit might be good if the credit limit might not get high enough.
I thought Sparkasse is very flexible about credit limits on CCs? You can just call and say to increase it. That is if you have income.
It probably also depends on your Sparkasse. Some are super flexible (my old one is totally chilled out - a short email requesting a realistic increase is enough and they'll put it up within a few days). My last temporary raise stayed at that level, which is the main reason I still have the card.
Others have very expensive card products and prefer to keep a wary eye on their customers before handing out any cards, but there you go.
Others have very expensive card products and prefer to keep a wary eye on their customers before handing out any cards, but there you go.
Sparkasse also has a broad customer range. From nearly poor to rich.
That’s why they need the debit cards, for the „not so rich“ customers.
So all cards have their Target.
Weird that they price the debit higher then the smallest credit.
Button the other hand look what they charge for the 0 credit Giro account. Crazy!
That’s why they need the debit cards, for the „not so rich“ customers.
So all cards have their Target.
Weird that they price the debit higher then the smallest credit.
Button the other hand look what they charge for the 0 credit Giro account. Crazy!