Apple Pay Could Launch in Germany as Early as Next Month

[4254126]

@sunny2k1:
I want to believe you, but I've heard so many rumours about Apple Pay in Germany, that I'll believe it when its on my phone...

What will be interesting is the Earnings Call next week (1st Feb). They should say something about Apple Pay then. Honestly: If Apple does decide to leave it towards the end of the year I fear they'll just leave it too late. 2018 is the year for mobile payments in Germany (all major banks have announced that they're launching wallet apps etc. this year). My hope is also that their PR usually states "pay with your smartphone"... they don't write Android and leave that open to our interpretation.

On a side note: Is it possible to set up my Girocard / Mastercard with the Sparkasse and my cards from my bank account in the UK? Would be great, as on family visits I could easily just switch to my UK accounts or does Apple forbid a mixture of cards from different countries?

 

[sunny2k1]

@sunny2k1:
I want to believe you, but I've heard so many rumours about Apple Pay in Germany, that I'll believe it when its on my phone...

What will be interesting is the Earnings Call next week (1st Feb). They should say something about Apple Pay then. Honestly: If Apple does decide to leave it towards the end of the year I fear they'll just leave it too late. 2018 is the year for mobile payments in Germany (all major banks have announced that they're launching wallet apps etc. this year). My hope is also that their PR usually states "pay with your smartphone"... they don't write Android and leave that open to our interpretation.

On a side note: Is it possible to set up my Girocard / Mastercard with the Sparkasse and my cards from my bank account in the UK? Would be great, as on family visits I could easily just switch to my UK accounts or does Apple forbid a mixture of cards from different countries?

The problem here is that the institutes require Apple to gain access to the iPhones. If it was for the banks, they would launch it back in 2017. But Apple decided in at the last minute to delay the launch.

The banking infrastructure was ready by 2017. The Deutsche Bank launched MobilePayment on Android in 2017 using the same technology as Apple Pay. The difference is that Apple denies the bank to use the NFC without Apple Pay.

My guess for the delay is, that someone decided to expand the support of more card types as the debit cards (e.g. girocard with direct debit) is more common than credit cards.

As I have written before, Apple experienced a disastrous start of Apple Pay in Switzerland. Apple Pay needs to be access-able to broader ranch outside the tech community. The average german bank customer does not change their bank for the use of Apple Pay. There are more important parameters for a change.

 

[PR1985]

@sunny2k1 Start? Next month?

 

[PR1985]

The typical launch day was/ is? Wednesday, so 31 or later, just a guess.

 

[steindlmedia]

The typical launch day was/ is? Wednesday, so 31 or later, just a guess.

Tuesday, Wednesday and Thursday

 

[PR1985]

Tuesday, Wednesday and Thursday

Ok, thanks!

 

[MLVC]

Let's hope something gets announced in the earnings call on Thursday, but I hoped the same thing for the last earnings call, where the rumors where strong that Apple Pay was coming to Poland, Germany and the Netherlands. And nothing happened.

 

[PR1985]

Let's hope something gets announced in the earnings call on Thursday, but I hoped the same thing for the last earnings call, where the rumors where strong that Apple Pay was coming to Poland, Germany and the Netherlands. And nothing happened.

I´m still waiting for the Landingpage to show up.

 

[wSchabby]

I´m still waiting for the Landingpage to show up.

The problem is that Apple doesn't always show a Landingpage as an announcement before Apple Pay starts. For example in Ireland, Apple Pay started very quickly from one day to another.

 

[sunny2k1]

I would be quite surprised if Apple Pay launches this week. We might hear something this week (similar to the Scandinavian launch back in October). The banks need an extra week to change the system parameters from a test environment to the production environment as well to test the workload of the activation. They also need cooperation with the card issuers (Visa/MC) as they need to connect the database for card eligibility.

 

[n4p84]

Apple gonna announce Apple Pay for some European country’s this week... it might be today or the next 3 days

Think one of the banks where support is:

Deutsche Bank (Deutsche Bank changed their terms and conditions)
N26
Boon


I’m not usually known as a rumor but in other parts like jailbreaking

 

[wSchabby]

Apple gonna announce Apple Pay for some European country’s this week... it might be today or the next 3 days

Think one of the banks where support is:

Deutsche Bank (Deutsche Bank changed their terms and conditions)
N26
Boon


I’m not usually known as a rumor but in other parts like jailbreaking

Is that just a guess? From where do you have this information?

 

[n4p84]

The announcement its like a 90% thing I got sources But i cannot speak about them...

Deutsche Bank im also sure see the terms and conditions on their website

I just guess with N26 and Boon

 

[PR1985]

The announcement its like a 90% thing I got sources But i cannot speak about them...

Deutsche Bank im also sure see the terms and conditions on their website

I just guess with N26 and Boon

Terms and Conditions? Stadtsparkasse Düsseldorf. You are a Newbie so... Hmmm...

 

[n4p84]

I don’t think Sparkasse gonna support Apple Pay from the beginning...

I didn’t read their terms and conditions

 

[sunny2k1]

Interestingly, new boon. customers are currently unable to add their debit card to Apple Wallet. I‘m also hearing that banks are ramping up the acitivities in the background..

I don’t think Sparkasse gonna support Apple Pay from the beginning...

I didn’t read their terms and conditions

The Sparkasse changed their terms and conditions - as all banks - starting January, 13th. So this problem is solved.

 

[n4p84]

@Sunny


With boon and N26 it’s just a guess like I said but I know deutsche Bank for sure

 

[PR1985]

I don’t think Sparkasse gonna support Apple Pay from the beginning...

I didn’t read their terms and conditions

But I did as I´m a customer and I listen to @sunny2k1

 

[sunny2k1]

@Sunny


With boon and N26 it’s just a guess like I said but I know deutsche Bank for sure

Add DKB to the mix as well. If the Deutsche Bank (and the Sparkasse coming later) are supported, than the patience of the banks would pay off and Apple learned their lesson from Switzerland. That would be the largest launch since the US launch in 2014.

 

[n4p84]

Deutsche Bank gonna Support Apple Pay from the beginning on

But I don’t believe that Sparkasse gonna be supported from the beginning on

DKB is also one of these banks like boon and N26


@sunny2k1

Mhm... okay I didn’t read it I don’t have time to read all this lol traveling a lot and no time

But if you say so that would be awesome for all the people who uses this bank ...


I have Deutsche Bank just because Partner of BoA so its easier for me to you as I have this two banks and easier to work with

 

[sunny2k1]

Deutsche Bank gonna Support Apple Pay from the beginning on

But I don’t believe that Sparkasse gonna be supported from the beginning on

DKB is also one of these banks like boon and N26


@sunny2k1

Mhm... okay I didn’t read it I don’t have time to read all this lol traveling a lot and no time

But if you say so that would be awesome for all the people who uses this bank ...


I have Deutsche Bank just because Partner of BoA so its easier for me to you as I have this two banks and easier to work with

No problem.

All banks needed to be compliant with PSD2 as the rules changes the banking landscape (owner of bank data, fees on transaction, etc.).

Hearing also concrete launch date for the first time. Unfortunately I‘m not allowed to share it...

 

[JepGambardella]

Exciting days are coming up then.

 

[PR1985]

Rumors on websites? 0 in the last weeks.

 

[MLVC]

Apple gonna announce Apple Pay for some European country’s this week... it might be today or the next 3 days

Think one of the banks where support is:

Deutsche Bank (Deutsche Bank changed their terms and conditions)
N26
Boon


I’m not usually known as a rumor but in other parts like jailbreaking

What other countries? All fun for the Germans, but how about their neighbors?

 

[sunny2k1]

What other countries? All fun for the Germans, but how about their neighbors?

Expect more European countries to launch it. Main focus will be Germany as it is the main European Market missing....

Edit: A little birdie just told me this weeks Earnings Call might be worth listening to....

Edit 2: Interesting side note about the agreement: Apple will not see any share of the transaction. Apple will receive a flat fee per card activated. One card can be activated on up to four iOS/watchOS/macOS devices at once.