Sorry mate, they've been running those scaremongering videos SINCE the inception of contactless pay cards and no one's buying into it. But, nice try.
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Apple Pay Apple Pay in Germany
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Sorry mate, they've been running those scaremongering videos SINCE the inception of contactless pay cards and no one's buying into it. But, nice try.
@ RobaxMan
Yeah sure and that’s why credit card fraud is no thing at all because all of this is just bs that people are making up. And the moon landing was faked and the Russians Are going to invade Europe...
Yeah sure and that’s why credit card fraud is no thing at all because all of this is just bs that people are making up. And the moon landing was faked and the Russians Are going to invade Europe...
I also don't think fees will be much of a problem. I've been searching around a bit and it seems that Apple Takes:
- 0,15% of a credit card transaction in the US
- $0,005 of a debit card transaction in the US
An additional fee ranging from $0,2 - $0,8 goes to the payment network provider (Visa, MasterCard, American Express etc) per card that is activated in Apple Pay. This fee is apparently also charged for the virtual cards that the android wallet apps use. For MasterCard (owners of Maestro) this seems to be $0,5
These amounts are all based on leaks to the media, so they might differ from country to country.
Edit: ING NL charges €0,5 a month to use their mobile payment app. So the first month this is to pay the virtual card, all other months its profit/app development cost
- 0,15% of a credit card transaction in the US
- $0,005 of a debit card transaction in the US
An additional fee ranging from $0,2 - $0,8 goes to the payment network provider (Visa, MasterCard, American Express etc) per card that is activated in Apple Pay. This fee is apparently also charged for the virtual cards that the android wallet apps use. For MasterCard (owners of Maestro) this seems to be $0,5
These amounts are all based on leaks to the media, so they might differ from country to country.
Edit: ING NL charges €0,5 a month to use their mobile payment app. So the first month this is to pay the virtual card, all other months its profit/app development cost
The increasing credit card fraud has do with the stupidity and carelessness of the individual holders - losing your card, having your card pickpocketted are the reasons NOT losing limited information gathered by handheld skimmers - which by your estimation are seemingly everywhere.
Those hand held skimmers have NO access to your 4-digit pin number or the 3 digit validation number on then back THEREFORE 'skimmed' info is virtually useless.
Countries like the US and Canada haven't capped interchange fees so Apple Pay's share is less of a percentage of the 'take'; on the other hand, the EU has capped the interchange fees so there is less wiggle room for EU FIs.
"The new regulation will cap interchange fees at 0.2% of the transaction value for Visa and MasterCard consumer debit cards and at 0.3% for Visa and MasterCard consumer credit cards effective as of December 2015."
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Like I said you don’t know what you are talking about. Ever been to the US? 9 out of 10 terminals require you to sign and not enter a pin. And more then enough online shops do not even ask for the ccv Code just look at Amazon. I was a victim of credit card fraud two years ago with a card that I have never even used once. It was just a backup solution Forums Canada vacation since I only carry around debit mastercards and no credit MasterCard. So how did this exactly happen then?
First, sorry to hear about all your troubles ... in 40 years of debit card and credit card usage I've never had a single fraudulent occurrence with my cards. Second, never use the US as an example for anything - they are a virtual backwater when it comes to anything banking.
Yeah. In the US. Not here.
Payment via PIN and SmartCard Chip is here common for years, in many countries for nearly 20.
Apple Pay is a great step in security in the US but not in western Europe
Well luckily MasterCard and the shop where my card was used replaced my money within a matter of a few days so I had no further damage. I’m paying with debit cards exclusively too for over 20 years and I never ran into any problems with any of my cards. Just funny that it happened exactly to the card I not even used once. But this shows nfc is by far not as safe is banks say it is. You can try this out yourself just get a nfc card Reader there a plenty of them on sale for a few bucks and try it out with your friends just to see for yourself. I’ve been to an event at my local police station about how to prevent from credit card fraud and it is incredible how easy it is to steal your data and some banks do even store your adress and birth date on the nfc chip. Of course you can prevent all of this with a rfid resistent wallet which i use now but I think banks should tell their customers about possible dangers coming with this technology even if it happens only in one of 100.000.
Of course you can’t compare banking in the us with banking in other places but the nfc problem is not related to the banks it’s a problem that comes with the technology itself.
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Yes sure. But credit card information can be used online where you don’t need a pin or even ccv like it happened in my case.
Banks are not allowed to charge their customers an extra fee for using ApplePay. Apple doesn’t allow it.
And with ApplePay it is not just about security. It is about who gets the data and how much data about your payments. Simply put if you use ApplePay Apple anonymise all of it. So no gain for the merchant or the banks.
AND IT IS CONVENIENT AS ****!!!
And with ApplePay it is not just about security. It is about who gets the data and how much data about your payments. Simply put if you use ApplePay Apple anonymise all of it. So no gain for the merchant or the banks.
AND IT IS CONVENIENT AS ****!!!
While boasting bold statements you don't seem to understand things about business models and brand equity.
I was just going to say.
In fact, the fee may be the single biggest factor banks will consider before accepting Apple's conditions.
Therefore, it may be well in Apple's interest and plan to 'surround' countries with reluctant financial institutions to drive external pressure towards those players while talks are ongoing.
IN fact, it was that fee that held up Canada getting Apple Pay a full year later than the US. Unlike the US, Canada already had a robust contactless payment environment at the merchant level complete with bank clients tapping their chip-embedded cards for several years. Because of that existing infrastructure it's said that the Canadian FIs were able to leverage a better deal with Apple than their southern neighbours did.
"While Apple Inc. will receive 0.15 per cent or 15 basis points on credit transactions — comparable to the widely reported figure for Apple Pay in the United States, which works out to 15 cents for every $100 purchased — a lower fee of four basis points will be applied to credit transactions after an annual payment of 50 cents per card."
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https://twitter.com/timohetzel/status/993094158117232640
"Vögelchen: Apple kontaktiert deutsche Entwickler bzgl. Apple Pay." - "Birdie: Apple contacts German developers regarding Apple Pay."
"Vögelchen: Apple kontaktiert deutsche Entwickler bzgl. Apple Pay." - "Birdie: Apple contacts German developers regarding Apple Pay."
yeah, like this one from last year: https://twitter.com/ehssankhazaeli/status/841624517705359360
He will be wrong just as every other insider. It's very unlikely, this Apple will announce any new Apple Pay country at WWDC. So, don't trust him. Otherwise you only get disappointed, when nothing happens.
Whatever will happen or will not happen you cannot compare those two. Timo has quite a reputation the other guy is much ado about nothing.
I do still belive or want to belive that Apple Pay will come in 2018 to Germany. Im not sure tho that this tweet is hinting to WWDC like he said: "Sehr glaubwürdiges Vögelchen. WWDC kann kommen."
Maybe he has more info then he said in his Tweet.
I wouldn't say, that he is not important. After all, he was responsible for nearly every Apple Pay rumor from August 17 to December 17. After Ehssan, sunny2k1 came and perceived his honorable task of Apple Fake News leaking
I wouldn't say, that he is not important. After all, he was responsible for nearly every Apple Pay rumor from August 17 to December 17. After Ehssan, sunny2k1 came and perceived his honorable task of Apple Fake News leaking
I had some “conversations” with him over at Twitter and he is clearly not important as you put it or has any credibility to begin with but last year the media fall for him nevertheless. Period.
It became more unlikely when they recently announced more countries at the quarterly earnings call, but WWDC is a very good time to announce new countries. So it's not out of the question. After all the "biggies" like UK, France, China, Japan were all announced at WWDC / Keynotes. This might go together with a European Apple Pay Cash card. If they get one pan-European bank to provide the backend, then they could quickly launch it in all Euro countries. It would be the fastest way to expand it and get new customers than any other method. China/India would be irrelevant due to WeChat / WhatsApp.
As I've stated before, they could launch Apple Pay Cash and get a foot in the door of markets where Apple Pay isn't in yet. The rest would function like boon does today. Apple Pay + P2P payment all with one card.
Interesting message from ING NL,
En als een iPhone jou het beste past, moet je ook nog even geduld hebben. Tot nu is mobiel betalen in Nederland nog niet via de iPhone toegankelijk en alleen beschikbaar voor Android toestellen.
And if an iPhone fits you better, you also need to be patient. Until now mobile payments in the Netherlands are not yet available via the iPhone, only for Android devices.
En als een iPhone jou het beste past, moet je ook nog even geduld hebben. Tot nu is mobiel betalen in Nederland nog niet via de iPhone toegankelijk en alleen beschikbaar voor Android toestellen.
And if an iPhone fits you better, you also need to be patient. Until now mobile payments in the Netherlands are not yet available via the iPhone, only for Android devices.
Source? In the age of "Fake News" I always like to see where things were said / posted.
Also, this snippet doesn't really bring us anything new. Especially concerning Apple Pay in Germany
Source? In the age of "Fake News" I always like to see where things were said / posted.
Also, this snippet doesn't really bring us anything new. Especially concerning Apple Pay in Germany
Here is the source, in dutch.
https://community.ing.nl/t5/Blog/Ik-ga-op-pad-en-ik-neem-niet-mee-geld-en-mijn-pas/ba-p/240008
ING is also active in Germany under ING DIBA, so maybe they will also support Apple Pay in Germany.
Thanks for the link!
By the way: ING already supports Apple Pay (in Australia)
-> https://www.ing.com.au/mobile/apple-pay/applepay.html
This guy has a point: https://twitter.com/Sam0711er/status/993796008843849728. Apple Pay is seen as an electronically supplied service.
However, I don't know the in-depth details of the anti-geoblocking law.
Maybe this is also the reason that boon is not blocking access.
However, I don't know the in-depth details of the anti-geoblocking law.
Maybe this is also the reason that boon is not blocking access.