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Apple Pay Apple Pay in Germany
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Exactly. Did you read the email reply? "Die von Ihnen erwähnte Kooperation von Apple mit deutschen Finanzinstituten betrifft jedoch nicht das Angebot der Sparkasse(n)." And they carry on about the NFC-chip access.
Sparkasse won't be launching Apple Pay for a very long time.
From what I've heard, I'd doubt that very much. If at all (and you're lucky), we'll be looking more towards the end of next year.
But first an agreement would have to be reached and then I assume they'll be struggling to make Girocard work in some way with the way all the other networks function. But we're going round in circles. Nothing new to report on that side of things.
What I don’t get is how come DK is unable to modernize girocard whereas the national solution of the French CB - Cartes Bancaires supports Debit and credit, online payments, tokenization and almost everything mastercard and Visa do. It can even be cobadged with Mastercard and Visa and not only VPay and maestro.
They are able to, but the main hurdle is the underlying structure of the Girocard network. It has some fundamental flaws and wasn't built for extending lots of functionality in the future. More and more baggage is being "plugged into" it and I'm just wondering, if it wouldn't just be more effective to creative something new or switch to the MC/VISA networks, but Sparkassen / Volksbanken would surely be against that. The Deutsche Kreditwirtschaft will also be busy coping with implementing new regulation regarding customer authentication and making sure everything is PSD 2 compliant. Don't overestimate the IT competency of banks 😀
The private banks? I'm sure they wouldn't be too bothered if Girocard disappeared. But we're drifting off again.
Short takeaway is: Girocard doesn't work with Apple Pay (technically) as of today. The way "mobiles bezahlen" on Android works, is using tricks to create a "virtual physical" Girocard with a limited amount of payment tokens. These need to be refreshed via a mobile network. No offline authorisation possible. No biometric authentication supported (CDCVM). Implementation of pure device based (offline) tokenisation will apparently take at least 8-10 months (if they're super quick). That's not taking into account, that all that would need to function with the 400 or so Sparkassen. I'd be very surprised, if they were able to do all that by next year (and as said above, assuming they even reach an agreement on a cut of the fees!). They haven't even been able to implement Visa cards yet (their schedule is Q2/2019).
EDIT: You can believe and read into this what you want, but for me the position of the DKB staff on Twitter has been more than clear (https://twitter.com/DKBpolitics/status/1059519570023776256).
Steffen Blumroeder (@DKBregulatory) even wrote: "Die ersten sind nicht unbedingt die besten."
Rudolf Linsenbarth said, that ING and DKB will follow in Q1 or Q2/2019 and I don't see how they wouldn't. ING would be even more interesting, as they offer their Visa Credit card with max. 2-3 day debiting (so basically acts as a Visa Debit card). And if they join (and the "big 3" direct banks support Apple Pay), the pressure will be on even more for all the other banks.
[doublepost=1542186306][/doublepost]EDIT 2: https://www.applepaysupplies.com/onestepcheckout
Anyone seen that on the official Apple Pay decals order page Germany isn't listed? But: Belgium is! Very strange.
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Tobsen
macrumors regular
docfred
macrumors 6502a
Funny thing is... @holimuk expects S also for sure in 2019. And in his own opinion perhaps already in H1/2019 😉
Do you have a source for that? I've never read that (not saying he hasn't said that).
docfred
macrumors 6502a
other forum 😀
ulle's statements are clearly related to Apple's NDA, which can be interpreted as "there is more than we can tell you". and linsenbarth expects BW-Bank to start in H1, and the red branded S to follow later.
both combined can be interpreted. and the wording of DSGV also changed the last weeks. so, let see what happens.
But only since the launch banks have started advertising Apple Pay and they're now somehow surprised, that customers are "hot for it" and demanding Apple Pay now. What a surprise.
Did they really think they would be able to escape it?
Same story as with ING and their CEO apologising publicly. All banks that have been blocking supporting Apple Pay are now regretting it.
Yes, but I am not sure about Sparkasse. I guess they say: Wow, they really want Apple Pay - So let's give Paydirekt one more chance with a few million Euro 🙂
If you are up for it I can recommend you to comdirect? You'd be helping me out by getting me a reward and honestly, I can recommend comdirect. I am with them for about 5+ years. Very transparent and straightforward service
Sorry for OT
I cant wait anymore so i make create a boon Account with the Irland walktruth.
Everything is Fine but i have to activate my card, calling a number in irland. Anyone a clue
I cant wait anymore so i make create a boon Account with the Irland walktruth.
Everything is Fine but i have to activate my card, calling a number in irland. Anyone a clue
Praeceptor
macrumors regular
I was being sarcastic. He couldn't wait anymore and went for the workaround and then it is launching the next day 😛
Tobsen
macrumors regular
I would try to call the German Number and ask. They always helped me with my French boon.
https://www.boonpayment.com/de/kontakt/
therealtibu
macrumors member
I did another workaround that's why I am not sure if you did it the right way.
I created a German "android" account with all of the Germany verification. The only workaround was to download the boon app from the French App Store.
I do not need any contact to a "bank" abroad
Thats what i call a friend. „I create a Account and by my luck i Launch tomorrow“
How far in advance has Apple enabled BIN detection historically, a week? Not that historical processes are worth anything anymore 😀
Not sure. Just tried again. comdirect Visa is still directing to the (to be uploaded) overview of German banks that are supported. Amex and MC cards still haven't changed.
EDIT Just to make sure everyone got it: The last prediction Rudolf Linsenbarth gave was the 15th November. Last week he mentioned that apparently it got pushed back to the End of November, but he wasn't sure about the finer details.
Of all the days this week, tomorrow is our best shot. Fingers crossed!
EDIT Just to make sure everyone got it: The last prediction Rudolf Linsenbarth gave was the 15th November. Last week he mentioned that apparently it got pushed back to the End of November, but he wasn't sure about the finer details.
Of all the days this week, tomorrow is our best shot. Fingers crossed!
This guy doesn't know ****. He's just wildly guessing and is happy for the twitter likes and replies(and maybe some new followers), that's why he keeps posting about Apple Pay. Can do the same: post 10 dates and if the date comes and AP hasn't launched just tweet "oh there have been some internal delays", "some banks are not ready yet", "new banks coming along that need the infrastructure slightly updated", etc... Only Apple knows when, and maybe some C-Levels at the banks, that have signed some bulky NDAs and they'll never risk getting sued by telling someone.