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Apple Pay Apple Pay in Germany

Rising pressure for Apple. Good.

Let‘s See how it will be adopted.


„bad old German banks. They just don’t want to. There is not a single one, that wants to start...“
 
Google Pay and Apple Pay always started with a few partners. It will grow.

BTW: The coming LBBW is owned by the Sparkassenverband Baden-Württemberg (40,5%) 😉


German saying: Konkurrenz belebt das Geschäft.

Happy to Welcome GPay to Germany.
 
So now we can say, it's not the banks that are preventing Mobil (Apple) Pay in Germany...
Looks like Apple is the showstopper

Are there more countries , where only Google Pay and no Apple Pay exists ?
 
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nordmaler said:
So now we can say, it's not the banks that are preventing Mobil (Apple) Pay in Germany...
Looks like Apple is the showstopper...
Click to expand...

Doesn't need to be. Google Pay could give the banks more controls or insights in the payments? Or maybe Apple is asking a bigger compensation then Google?


nordmaler said:
...

Are there more countries , where only Google Pay and no Apple Pay exists ?
Click to expand...

Belgium!
 
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Tymen said:
Google Pay could give the banks more controls or insights in the payments?
Click to expand...
Google does not know more than card issuers today about the purchase and not less or more than Apple:
- where was the purchase done
- when was the purchase done
- how much was the purchase

right?
 
Sorry but this article is nonsense, based on a false message around WWDC. The changes in ApplePay-API have been misinterpreted and then spreaded over the net.

Apple Pay alreade supports maestro and vpay for quite a long time. These standards are already in use in Italy and France and are not new in iOS12.
 
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I just want to give my two cents about Google Pay and all people saying that not the banks are the problem apple is. As far as I know Google does not charge the banks any fees for the use of google pay and still they only managed to get a handful of direct banks to use google pay. Not one big player. That just makes me wouldnt Sparkasse or Volksbanken or any other bank join google pay? Its defintely not the fees thats holding them back and now they cannot argue that there is no system in place and they need to wait for google or apple to launch their system first before they can use it. So maybe there is a reason why certain banks dont want to use apple or google pay other then the fees. Maybe they want to push their own solutions.

That being said I still think that its Apple not the banks that prevents Apple Pay from happening in Germany ... just wanted to point out that I think its strange that banks dont offer a free service. Why wouldnt they?
 
@Karma_isA_8itch
Hmm. Don't think you can say, that there is no big player at the Google Pay launch. CommerzBank is the fouth biggest bank in Germany. And with the upcoming LBBW, you have the sixth biggest bank overall and the biggest Landesbank. These are bigger numbers than Apple Pay had at launch in Switzerland and several other countries.

And as a side note:
the lbbw is a public bank (Anstalt öffentlichen Rechts) and the first "test balloon" for the Sparkassen, because it is owned 40% by Sparkassenverband Baden-Württemberg and is part of the DSGV.
[doublepost=1530015327][/doublepost]what is interesting though: the lbbw has no products for private customers. it's only offers servies for business customers and big players. private customers are taken care of by the BW-Bank or the local/regional Sparkassen, for which the lbbw is the central bank.

So what does the announcement of the LBBW for Google Pay mean? Google Pay as a service for ... all connected banks?
 
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docfred said:
@Karma_isA_8itch
Hmm. Don't think you can say, that there is no big player at the Google Pay launch. CommerzBank is the fouth biggest bank in Germany.
Click to expand...

Right my mistake its not a small bank indeed I should correct myself and ask about Sparkasse and Volksbanken because after all those two are the big fish you would want to catch.

Well I hope Google Pay will put some pressure on Apple. Dont think this is the case since Google Pay launched about two years prior to Apple Pay in Poland for example but I'm not loosing hope that one day Apple will finally see that sometimes you have to start small in order to get big.

And I must say I really am tempted to switch over to Android just for the sake of using Google Pay. Even though Android is not as safe as iOS - payment wise Google Pay is a very secure way to prevent credit card fraud right since your actual credit card information is being encrypted or am I wrong about this? I never really looked very deep into Google Pay so maybe someone can explain to me if there is a difference between Apple Pay and Googles payment solution.
 
Guys I wouldn't say that banks or Apple is the problem.
The problem is that people prefer to pay with cash, and there is still low amount of NFC terminals in Germany so % of contactless payment is pretty low.

According to Deutsche Bundesbank raport:
In 2017 74% of all transactions were made using cash.
Cash is still used to settle 96% of smaller payment amounts of up to €5
Click to expand...
And wait for it...
High growth rates recorded for contactless card payments. For the first time, their share of overall turnover was above 1%.
Click to expand...

This explain a lot...

Btw. Is that true that McDonald's in Germany doesn't accept contactless payments?
 
Tbh I don’t think the LBBW is some kind of test Ballon to the Sparkassen. Sure, the DSGV owns a part of them, but that’s not making DSGV the maker of decisions.

We‘ll see what happens to Apple Pay and google play in terms of Sparkassen and Volksbanken.

And i still miss ing diba and dkb.

Comdirekt and Commerzbank is kinda the same. Maybe they are using the same core infrastructure, so it’s easier to launch it for both companies instead of just one.

N26 and Revolut is kinda clear they support it. But still strange boon is not with them from start.
[doublepost=1530016274][/doublepost]
gpociej said:
Guys I wouldn't say that banks or Apple is the problem.
The problem is that people prefer to pay with cash, and there is still low amount of NFC terminals in Germany so % of contactless payment is pretty low.

According to Deutsche Bundesbank raport:

And wait for it...


This explain a lot...

Btw. Is that true that McDonald's in Germany doesn't accept contactless payments?
Click to expand...
McDonald’s do accepts NFC payments.
[doublepost=1530016334][/doublepost]And i think there are a lot of NFC terminals around. At least I don’t see that much which don’t support nfc
 
Karma_isA_8itch said:
Right my mistake its not a small bank indeed I should correct myself and ask about Sparkasse and Volksbanken because after all those two are the big fish you would want to catch.
Click to expand...
Well at last Sparkassen have their foot in the door at Google Pay -> LBBW. Let's see, what happens...
see my last comment.

Karma_isA_8itch said:
Well I hope Google Pay will put some pressure on Apple. Dont think this is the case since Google Pay launched about two years prior to Apple Pay in Poland for example but I'm not loosing hope that one day Apple will finally see that sometimes you have to start small in order to get big.
Click to expand...
That's my hope too. Google has the major market share in Germany and now sets the tone for mobile payment. Apple has to react.

Karma_isA_8itch said:
And I must say I really am tempted to switch over to Android just for the sake of using Google Pay. Even though Android is not as safe as iOS - payment wise Google Pay is a very secure way to prevent credit card fraud right since your actual credit card information is being encrypted or am I wrong about this? I never really looked very deep into Google Pay so maybe someone can explain to me if there is a difference between Apple Pay and Googles payment solution.
Click to expand...
I think, if you use a Google Phone, not a chinese or korean brand, with pure android, it is not really more unsecure than iOS. At least if you don't click on any link in the net 😀


gpociej said:
The problem is that people prefer to pay with cash, and there is still low amount of NFC terminals in Germany so % of contactless payment is pretty low.
Click to expand...
can't confirm that. literally every shop here in this city, that offer card payment uses a NFC capable terminal.

what I learned last week, that it depends on the region. The south (Bayern and Baden-Würrtemberg) are much further down the road than for example easternn Germany and the northeast.

Same goes for the exchange of the bank account cards. Southern banks and Sparkassen have exchanged the customer cards nearly complete as bigger private banks and eastern banks still plan the roll out. At least this was written in several articles last week.

That might be a reason for the different perception you can see in this thread.
 
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gpociej said:
Guys I wouldn't say that banks or Apple is the problem.
The problem is that people prefer to pay with cash, and there is still low amount of NFC terminals in Germany so % of contactless payment is pretty low.

According to Deutsche Bundesbank raport:

And wait for it...


This explain a lot...

Btw. Is that true that McDonald's in Germany doesn't accept contactless payments?
Click to expand...

Nope McDonalds accepts contactless payments. Actually during the last two years the situation has improved dramatically. All major shops and supermarkets accept contactless payments. Well, several small groceries do not accept card payments, but I personally think it is a matter of time.
 
Alanin said:
Tbh I don’t think the LBBW is some kind of test Ballon to the Sparkassen. Sure, the DSGV owns a part of them, but that’s not making DSGV the maker of decisions.
Click to expand...
LBBW itself offers no products for private customers. That's why I'm wondering why they are noticed on the page.
 
docfred said:
LBBW itself offers no products for private customers. That's why I'm wondering why they are noticed on the page.
Click to expand...
would be interesting who’s the real card issuer, LBBW or the local Sparkasse... if it’s the LBBW then maybe the Sparkassen are going to support Google Pay... there is no sence in starting this service as a B2B only bank - except from being able to say “no one wanted that service” - on top of that. I have made the experience that business ppl have an iPhone instead of an android ones
 
Alanin said:
would be interesting who’s the real card issuer, LBBW or the local Sparkasse... if it’s the LBBW then maybe the Sparkassen are going to support Google Pay... there is no sence in starting this service as a B2B only bank - except from being able to say “no one wanted that service” - on top of that. I have made the experience that business ppl have an iPhone instead of an android ones
Click to expand...
that's what I mean and what I'm wondering.

LBBW is b2b and central bank for several states' Sparkassen. What do they have to do with Google Pay?

I think on the Google press conferences Google said, that GiroCards are not supported yet, because they don't support tokenization yet. But this will change in a few weeks with the new GiroCard digital, doesn't it?

So... <playing X-Files theme>
 
Thanks for clarification about McDonald's lately I saw many times that NFC payments isn't possible.

Look at the numbers in this report:

https://www.bundesbank.de/Redaktion...in_germany_in_2017.pdf?__blob=publicationFile

Look at people's behavior in terms of payments, this isn't looking good as market for Apple Pay.
If people didn't adapt the wireless cards well, Apple Pay would be adopted even worse.

Just 1.1% of cards in Germany was wireless in 2017...

We, in threads like this one, using current payment methods daily, looking for NFC terminals, new solutions but there are just as high % of people that still like (and want to use) hard cash.

Comparing one fo the last country which received Apple Pay, Poland to Germany:
77% wireless cards in 2017 comparing to 1.1%
23% of daily shopping paid contactless comparing to 1%
More than 90% of terminals capable of contactless payments (even in the countryside).
 
gpociej said:
Just 1.1% of cards in Germany was wireless in 2017...
Click to expand...

DWO-WI-Bargeldloses-Zahlen-ib-jpg.jpg
 
I‘m pretty sure the Sparkassen will not support Google Pay right from the start and cannibalize their own girocard digital/mobile HCE solution which has not even fully rolled out yet.
 
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