That sucks because when I was in the Netherlands last year I was so pleased with how many places I could use Apple Pay. I even used it to get into a water closet at Amsterdam Centraal.
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European countries without Apple Pay
- Thread starter Tymen
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That sucks because when I was in the Netherlands last year I was so pleased with how many places I could use Apple Pay. I even used it to get into a water closet at Amsterdam Centraal.
Dude, that tweet is for Slovakia
it was rumored to start at the same time as in Czech, but it got delayed till Jun, which is not corresponding with tweeted "later this year", but let's seeWhat's more of an issue is, that Boon. stopped supporting credit cards from countries, where it's not officially in, meaning I can not top-up my account by slovak card.
When did they start doing this? I topped up my Irish boon with danish card yesterday just fine.Dude, that tweet is for Slovakia
What's more of an issue is, that Boon. stopped supporting credit cards from countries, where it's not officially in, meaning I can not top-up my account by slovak card.
I noticed it last week, wanted to top up and got "Top-up failed. Your credit card details are incorrect." error message. But the card details are correct.
Their support team said "Your top-up was disabled due to security reasons." and "You can only make a topup with a credit card issued from a country where boon. is active. You can try to topup with another card or via bank wire transfer."
I saw also some folks tweeted Boon. about the same issue and found same happened to baltics guys https://davissuneps.com/how-to-use-apple-pay-in-the-baltics/
Their support team said "Your top-up was disabled due to security reasons." and "You can only make a topup with a credit card issued from a country where boon. is active. You can try to topup with another card or via bank wire transfer."
I saw also some folks tweeted Boon. about the same issue and found same happened to baltics guys https://davissuneps.com/how-to-use-apple-pay-in-the-baltics/
Actually N26 just announced that Apple Pay is coming soon to Estonia, Greece, Portugal, Slovenia and Slovakia (apart from Austria in a separate facebook post and tweet)
Source: https://www.facebook.com/N26/photos/a.445724318961184/1057140217819588/?type=83&theater
Today, an Executive Liaison from Ireland called me, after me writing an email to Tim Cooks office last week. I told them the Dutch feel left out.
Apple says The Netherlands is not supported yet due to a ‘complex situation’. I asked whether the problems are with Apple or the banks. It fell silent and then she answered she is not allowed to tell me.
However, Apple knows the demand for Apple Pay in The Netherlands is growing with the day. At this point, the liaison told me Apple has noticed the demand for Apple Pay in The Netherlands through many channels. Apple is seriously looking into options.
Moreover, Apple opposes that the company meant ‘42 contries this year’, by claiming it would be available at 40+ countries by end of this year. The liaison said it is very possible Apple will roll out to more countries during this year. Apple is not done yet. Apple is not sure IF Apple Pay ever will become available in The Netherlands or not, but doesn’t exclude the possibility either. I was advised to keep in touch with the news. They do investigate their options.
The departments at Apple know that Dutchies really want to use Apple Pay. Our wish has been forwarded to the correct departments. They are looking into possibilities. Apple opposes to the statements of the DPA that banks are not interested or don’t see the added value. These concerns have been forwarded too.
There is an ongoing process. We’ll need to wait. Apple however won’t exclude the possibility it will announce the roll-out of Apple Pay through the Netherlands later this year. But they can’t say anything about it yet. Let’s hope for the best.
Apple says The Netherlands is not supported yet due to a ‘complex situation’. I asked whether the problems are with Apple or the banks. It fell silent and then she answered she is not allowed to tell me.
However, Apple knows the demand for Apple Pay in The Netherlands is growing with the day. At this point, the liaison told me Apple has noticed the demand for Apple Pay in The Netherlands through many channels. Apple is seriously looking into options.
Moreover, Apple opposes that the company meant ‘42 contries this year’, by claiming it would be available at 40+ countries by end of this year. The liaison said it is very possible Apple will roll out to more countries during this year. Apple is not done yet. Apple is not sure IF Apple Pay ever will become available in The Netherlands or not, but doesn’t exclude the possibility either. I was advised to keep in touch with the news. They do investigate their options.
The departments at Apple know that Dutchies really want to use Apple Pay. Our wish has been forwarded to the correct departments. They are looking into possibilities. Apple opposes to the statements of the DPA that banks are not interested or don’t see the added value. These concerns have been forwarded too.
There is an ongoing process. We’ll need to wait. Apple however won’t exclude the possibility it will announce the roll-out of Apple Pay through the Netherlands later this year. But they can’t say anything about it yet. Let’s hope for the best.
Apple Pay will be launched by ING Bank, ERSTE Bank (BCR) and Bank of Transylvania. Has nothing to do with N26.
I don’t think Romania having lei is any issue. As far as I know all my Romanian friends have a RON and EUR-account.
And still nothing in Croatia. No iTunes Store, no Apple Music, no Apple Pay... And we are an equal EU member.
Doesn’t say anything. Romania doesn’t have Euro either.But you don't have the Euro.
We, The Netherlands, had Euro since the beginning. Yet, we don’t have Apple Pay.
in theory, apple pay is a way for banks to get more people to sign up for credit cards, which means more revenue for the bank. so if you are the only bank who has it, good for you, if everyone has it, then you better have it. the downside is apple takes a cut of the banks' revenue, which is probably why the roll out isn't as fast as apple would have like it.
technically, most of the mobile wallets have no value add. you can also use visa/mastercard paywave to achieve the same effect, but you need your physical card. part of the reason why your payment assoc is not pushing hard for apple pay can be due to a multitude of reasons.
1) credit card is a form of debt, and not suitable for everyone
2) even at its best, apple pay will only account for around 50% of the users, so we will also need other mobile wallet like android pay. but the system backend can be a nightmare for banks, merchants, etc if there are too many of these options.
3) there are also many other complications due to the sheer number of players in the payment system.
personally apple pay is nothing truly innovative. but if they execute their credit card well, then apple pay could be something. today, unbanked populations loses out on e-payments, discounts and rebates. if the credit card can have a way to be more inclusive, then i believe it will be a significant step forward.
@Nerdyaf: Please note: we can not even pay at most places with creditcards in The Netherlands. We always use debit cards. But that couldn’t be the reason to not have Apple Pay, as bunq also has debit cards and it still works with Apple Pay.
All the systems in The Netherlands are already ready for Apple Pay. I tried it with bunq and it worked fine at all places. It’s just the banks and Betaalvereniging Nederland that won’t accept Apple Pay into their systems.
They rather develop half-working apps. Their newest idea is Payconiq, where the store has to print a QR-code and hang it on the wall in order to allow customers to pay with their smartphones.
The banks came with a NFC-app for Android, that also is not working correctly. But of course, we have NFC debit cards and Betaalvereniging already said: “Apple needs to prove the added value of their payment method and it will not be easy at all for them to convince us”.
So, again, Dutch burocracy is, stays and will be the culprit.
All the systems in The Netherlands are already ready for Apple Pay. I tried it with bunq and it worked fine at all places. It’s just the banks and Betaalvereniging Nederland that won’t accept Apple Pay into their systems.
They rather develop half-working apps. Their newest idea is Payconiq, where the store has to print a QR-code and hang it on the wall in order to allow customers to pay with their smartphones.
The banks came with a NFC-app for Android, that also is not working correctly. But of course, we have NFC debit cards and Betaalvereniging already said: “Apple needs to prove the added value of their payment method and it will not be easy at all for them to convince us”.
So, again, Dutch burocracy is, stays and will be the culprit.
idk the specifics in netherlands
QR-code has its place. in other countries, the QR code works similar to a debit card, but the provider need not be a bank. the difference is QR code is commonly used by merchants with low margins. these merchants may not want to use credit/debit card because of the fees they are charged by banks to process payments and the rent for the terminal. QR code avoid that. QR is popular in china and probably developing countries.
like i mentioned the payment landscape is very complicated because of the numbers of players. banks, if they can, dont like apple pay because it eats into their profit; so unless apple pay help to increase their market share, there is really no incentive to join apple pay. i can see the convenience of apple pay, but it's doesnt really bring much more to the banks, merchants, visa, mastercard, etc. also, it is also can wrong to say that we have NFC enabled terminal, hence we can use apple pay. if banks dont want to join apple pay, apple pay wont work, in spite of the ready infrastructure. these are just tip of the ice berg. the problem is as much as due to bureaucracy as to businesses protecting their own interests.
also govt cannot be just pushing credit/debit card. this will leave out the unbanked population, hence the need for other forms of payment. and also contingency in the event that apple, visa, or any of these major players are down or hacked.
Debit cards work with Apple Pay also.
Apple Pay is very different. I like the security and privacy aspects. (info from Apple)
- When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.
- When you pay with a debit or credit card, Apple Pay doesn’t keep transaction information that can be tied back to you. And when you use Apple Pay Cash, information is stored only for troubleshooting, fraud prevention, and regulatory purposes.
yes, but debit cards doesnt provide revenue to banks. banks mostly earn from people who doesn't fully pay off their monthly card debts. debit is your own money.
yeah apple pay has the potential to be more secure, but i believe they have no hit that potential yet.
more for online purchases. this is because you have to key in your credit card details to make the purchase, meaning the merchant or their chosen payment gateway will have access to that info, which could be stolen and abused. However, not many online merchants i visit offer apple pay, and the effect is also mitigated by some of the credit card features i mention below
lose your wallet and your card. but these are not frequent occurrences, and there are many other layers of protection offered by credit card. for example, i will need a one time pin when online purchases are made, i get a call if the bank detects a weird transaction, i get a sms for every $ spent on my credit card, so i would say the value add isnt significant
apple pay is still not ubiquitous, so your security is as strong as your weakest link, meaning you still have to carry your card around, so the risk of losing your card still exists. as such, i wont really say apple pay is more secure right now. but potentially yeah.
sorry i misunderstood your point, but it doesnt take away that apple pay was marketed to banks as a way to get people to use credit cards more.
as to why banks allow debit cards on apple pay, i can only guess. maybe apple insisted? maybe banks wanted to provide better service for debit cards holders?
as to why banks allow debit cards on apple pay, i can only guess. maybe apple insisted? maybe banks wanted to provide better service for debit cards holders?
Oh man, that Payconiq crap is also being promoted here in Belgium. Am I happy we got Apple Pay...
And the first bank that supports is, will get a lot of customers. I wasn't a customer with Hello!-bank here in Belgium, but the second the rumors started I ordered a debit card and parked some cash there. And i've heard loads of similar stories
Cool! The Netherlands is soooooo innovative! We truly are the country where nothing is possible because our politicians are addicted to making rules and laws.
The problem is probably the interchange of debit transactions being limited to 0.02€ per transaction until end of 2021 compared to 0.2% in the rest of the EU.
Which is the result of what? Exactly, the urge to make rules. I’d love to pay some extra for Apple Pay. But it’s impossible.