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Apple Pay Coming to Finland, Denmark, Sweden and UAE Later This Year

In Finland the contactless infra is in good shape already. I've been using my Android phone with NFC payments for a few months now and the occasions when I've needed the actual card are getting few and far between. Places where I've paid with contactless include:

  • Larger stores
  • Small grocery stores
  • Kiosks
  • Ice cream stalls at a beach
  • Store on wheels that once a week visits my inlaws living in a rural area
  • A small boat that takes visitors to a small island in front of Helsinki
Currently the most notable exception is the IKEA restaurant where they've actually found it appropriate to note with signs that contactless won't work there. Makes sense, as contactless being available has more or less become the expectation instead of exception.
 
Roadstar said:
In Finland the contactless infra is in good shape already. I've been using my Android phone with NFC payments for a few months now and the occasions when I've needed the actual card are getting few and far between. Places where I've paid with contactless include:

  • Larger stores
  • Small grocery stores
  • Kiosks
  • Ice cream stalls at a beach
  • Store on wheels that once a week visits my inlaws living in a rural area
  • A small boat that takes visitors to a small island in front of Helsinki
Currently the most notable exception is the IKEA restaurant where they've actually found it appropriate to note with signs that contactless won't work there. Makes sense, as contactless being available has more or less become the expectation instead of exception.
Click to expand...

We have gotten the contactless creditcards rolled out the last year or so in Denmark, so our local business newspaper writes that the machines should be ready for ApplePay - hopefully I would say - and the sooner the better...
 
MLVC said:
Still no love for the Netherlands :(
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Genuine question, for what?

Contactless payment (with a bank card) is so ubiquitous here and fast, I bet my 2 cents it will take years if not forever for banks here to adopt/accept ApplePay.
The Netherlands doesn't need another way to pay.

xDKP said:
We have gotten the contactless creditcards rolled out the last year or so in Denmark, so our local business newspaper writes that the machines should be ready for ApplePay - hopefully I would say - and the sooner the better...
Click to expand...

Is it faster..., not much.
The states needed a new and superior system to what they had, the EU (most countries) doesn't need ApplePay, paying with your contactless bank card is fast and reliable.
 
justperry said:
Is it faster..., not much.
The states needed a new and superior system to what they had, the EU (most countries) doesn't need ApplePay, paying with your contactless bank card is fast and reliable.
Click to expand...

Well at least in Finland phone-based NFC payments have an additional bonus of not having the limit of 25€ per transaction thanks to the additional authentication required by the phone. And thanks to fast fingerprint scanners, that additional authentication is a non-issue and for me it's faster to pull out my phone than dig for the card.
 
We have contactless bank cards here in Sweden as well. Will these terminals work with apple play or do they need a upgrade? My problem with the cards is that they have a 200kr (about 25 US dollar) limit.
 
jafingi said:
Nice with Apple Pay in Denmark. But we already have contactless credit cards without pincode (on small transactions < 200 DKK). Also we have mobile payments where you can pay directly from your lock screen.

But always happy to be able to pay with my watch.
Click to expand...

xDKP said:
Mobile payments from lockscreen? The contactless cards are nice though, but would still be awesome to pick something up from the store on my way back of a run with my watch - Today it's close to possible with MobilePay with my iPhone but still

EDIT: Just saw I missed a location setting - Pretty nice
Click to expand...

Almost whole Europe has contactless, but that's not the point. The point is security and privacy and convenience. Don't be so high and ignorant people.
 
ZEEN0j said:
We have contactless bank cards here in Sweden as well. Will these terminals work with apple play or do they need a upgrade? My problem with the cards is that they have a 200kr (about 25 US dollar) limit.
Click to expand...
They should work just fine. In addition, at least in Finland the 25€ limit applies only to cards. Phones get a larger limit thanks to additional authentication.
 
ZEEN0j said:
We have contactless bank cards here in Sweden as well. Will these terminals work with apple play or do they need a upgrade? My problem with the cards is that they have a 200kr (about 25 US dollar) limit.
Click to expand...
Basically all terminal sold in the last 5 or 6 years have NFC and do not need upgrading.
 
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ZEEN0j said:
We have contactless bank cards here in Sweden as well. Will these terminals work with apple play or do they need a upgrade? My problem with the cards is that they have a 200kr (about 25 US dollar) limit.
Click to expand...

In Denmark there is the same limit, but you can still use the card contactless above the limit, it will just beep and require pin
 
Roadstar said:
They should work just fine. In addition, at least in Finland the 25€ limit applies only to cards. Phones get a larger limit thanks to additional authentication.
Click to expand...

You can be asked for pin code even under 25 Eur as a security measure.
 
NecroKill said:
The point is security and privacy and convenience. Don't be so high and ignorant people.
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Nobody is high or ignorant - If you read my post I wrote exactly the same as you did - Buying basic stuff after a run = Convenience in my book
 
xDKP said:
Nobody is high or ignorant - If you read my post I wrote exactly the same as you did - Buying basic stuff after a run = Convenience in my book
Click to expand...

Only after a run? Since i started using Apple Pay my cards collect dust at home. I was in Denmark recently and Apple Pay doesn't work in most places even though all terminals i saw are NFC ready and take NFC cards just fine. The only place it worked for me was Circle K, but not at the pump. Means it is being blocked on purpose. Not nice at all.
 
Regarding Germany/Europe:

Three things:

  • Germany needs to be on board if N26 wants to start in Italy, Spain, France, etc.. Why? The customers of N26 receives German IBANs and German cards
  • I can't believe they would announce a German launch of ApplePay for the largest economy in Europe in a simple earnings call (didn't do it for UK (#2) and France (#3))
  • AFAIK should already have launched, but they had some technical issues with the payment engine.
  • based on rumours I'm hearing, Apple is talks with several PrePaid-KK issuer about supporting P2P

Regarding security concerns in some North American banks:

Based on rumors I'm hearing, that many banks are critically weighing in on the rumoured drop of the TouchID sensor.

I could see some banks demand to disable Apple Pay for users of the new iPhone Pro model if there's no TouchID sensor in the phone. Many banks see TouchID far more secure than a potential FacialID similar authorisation.
 
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Roadstar said:
Well at least in Finland phone-based NFC payments have an additional bonus of not having the limit of 25€ per transaction thanks to the additional authentication required by the phone. And thanks to fast fingerprint scanners, that additional authentication is a non-issue and for me it's faster to pull out my phone than dig for the card.
Click to expand...

Using a pin code for amounts higher than €25 isn't really inconvenient, I think people nowadays are just lazy.
 
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justperry said:
Using a pin code for amounts higher than €25 isn't really inconvenient, I think people nowadays are just lazy.
Click to expand...

Well it is faster and more convenient to pull my phone out, unlock it with my fingerprint and complete the purchase, which is entirely a one-hand operation. For digging out my card, inputting the PIN and using my other hand to cover it up takes both hands. In situations where that other hand is already occupied by luggage or a toddler, there's a major advantage to using just the phone.
 
Roadstar said:
Well it is faster and more convenient to pull my phone out, unlock it with my fingerprint and complete the purchase, which is entirely a one-hand operation. For digging out my card, inputting the PIN and using my other hand to cover it up takes both hands. In situations where that other hand is already occupied by luggage or a toddler, there's a major advantage to using just the phone.
Click to expand...

What if your toddler is in your right arm, your fingerprint in TouchID is on your right hand.:p

My card is in my pocket, I flip open the card holder before I even have to pay, waiting in line is also a good time to get your card out, the checkout tells me to pay, hold my card against it... in a mere second...voilà.

Edit: I am not saying ApplePay is not convenient and more secure, it is but those are just minor changes from normal contactless pay with a card.
 
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ZEEN0j said:
We have contactless bank cards here in Sweden as well. Will these terminals work with apple play or do they need a upgrade? My problem with the cards is that they have a 200kr (about 25 US dollar) limit.
Click to expand...

The POS terminals will automatically work with Apple Pay, since it's just a standard contactless card emulation like Android Pay, Samsung Pay, etc.

As for increasing the spending limit, that requires for the merchant to make sure that 1) their terminal software has been updated to support on-device cardholder verification, 2) they have enabled the on-device flag and set a new limit (or none).
 
justperry said:
What if your toddler is in your right arm, your fingerprint in TouchID is on your right hand.:p

My card is in my pocket, I flip open the card holder before I even have to pay, waiting in line is also a good time to get your card out, the checkout tells me to pay, hold my card against it... in a mere second...voilà.

Edit: I am not saying ApplePay is not convenient and more secure, it is but those are just minor changes from normal contactless pay with a card.
Click to expand...
What if you have Apple watch? What if you move your kid to the other hand? This is all nonsense, if you want to find some nonsensical scenarios you can find them easily.
[doublepost=1501754137][/doublepost]
kdarling said:
The POS terminals will automatically work with Apple Pay, since it's just a standard contactless card emulation like Android Pay, Samsung Pay, etc.

As for increasing the spending limit, that requires for the merchant to make sure that 1) their terminal software has been updated to support on-device cardholder verification, 2) they have enabled the on-device flag and set a new limit (or none).
Click to expand...
It is technically possible to allow normal plastic NFC cards, but block Apple Pay.
[doublepost=1501754241][/doublepost]
Roadstar said:
Well it is faster and more convenient to pull my phone out, unlock it with my fingerprint and complete the purchase, which is entirely a one-hand operation. For digging out my card, inputting the PIN and using my other hand to cover it up takes both hands. In situations where that other hand is already occupied by luggage or a toddler, there's a major advantage to using just the phone.
Click to expand...
Even better with a watch. I'm not the fan of Apple Watch, but i bought one for payments only and it is awesome.

Also you don't have to unlock your iPhone to pay, you just have to bring it close to the terminal and then confirm with your touch id.
 
MLVC said:
Still no love for the Netherlands :(
Click to expand...
The Netherlands has an alternative numbering system for debit cards. All other countries use the same 16 digit numbers for debit cards as credit cards have. Expect it never in here.
 
kdarling said:
Yes, by watching for the unique bank ids used for token account numbers.

Howevet, if they ever mixed in regular account numbers, I don't think they could know to block those.
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During my recent visit to Denmark i was disgusted by this when i was able to pay with my foreign NFC enabled card, but could not use same card that i have also added to Apple Wallet. Market should decide what is best not the banks, but banks try anything and everything to make it as hard as it can be.
 
NecroKill said:
During my recent visit to Denmark i was disgusted by this when i was able to pay with my foreign NFC enabled card, but could not use same card that i have also added to Apple Wallet. Market should decide what is best not the banks, but banks try anything and everything to make it as hard as it can be.
Click to expand...

It's possible that the merchant's payment acquirer simply has never added the Apple Pay token bank id number (BIN) ranges to their valid account number database.

(That's the starting digits on your card, which indicate what kind and bank, e,g. 4460 for a Chase Visa debit.)
 
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