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Apple Pay Launches in Denmark, Finland, Sweden, and UAE
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If i was the CEO of Apple i would remove all Australian banking Apps from the app store until they agree to support Apple Pay, i'm soo over not being able to pay with my phone because of their bureaucratic system.
Your comment reminded me when I first tried it here in Canada I remember the cashier was confused, alarmed and curious all in one face expression lol it was indeed priceless
I’m tempted to through town on my way home just to test Apple Pay. lol
Because of Westpac's pathetic stance on Apple Pay, I've moved over to ING and am going to close my account with Westpac.
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The major advantage with Apple Pay over NFC enabled cards is security, or reduced risk for consumers. For a very long time, until a few years ago, all debit card transactions in Sweden required two factor authentication: the card and a PIN code (or signature).
But an NFC enabled card doesn’t even require one full authentication factor for amounts below 200 SEK (about 20-25 USD), as it is sufficient for the card to be in the vicinity of the reader. This enables a kind of scam of repeated theft of small amounts by bumping into people. This will be undetectable to the banks and largely will go unnoticed by consumers. Although the banks say they will reimburse such payments, very few will notice and report them. So practically, the risk is on the consumers.
The advantage with Apple Pay over regular chip cards is convenience, while the security may be slightly less (depending on how PIN code vs. Touch ID is valued).
A rough summary of the security (authentication factors) of card payments in Sweden:
- NFC enabled card, below 200 SEK: ~ 0.5 factors (vicinity of card)
- NFC enabled card, above 200 SEK: ~ 1.5 factors (vicinity of card, PIN code)
- Card in ”Chip and go” terminal, below 200 SEK: 1 factor (card present)
- Card in ”Chip and go” terminal, above 200 SEK: 2 factors (card present, PIN code)
- Card in regular chip terminal, all amounts: 2 factors (card present, PIN code)
- Apple Pay on Apple Watch with wrist lock: ~ 1 factor (vicinity of watch on arm, watch unlocked, NFC armed with double press)
- Apple Pay on iPhone with Touch ID: ~ 1.5 factors (vicinity of phone, Touch ID armed by PIN code, finger present)
Swish is mostly used for transfers between people and things like street markets.
It's generally not accepted in stores and restaurants etc even though some has started to accept it.
Also seen some online stores accept it.
But it has the drawback that it can only be connected to your bank account and the amount you can transfer is limited, I think it's 15.000 SEK now.
When we finally get Apple Pay here it's only supported by the crappiest bank and a gas-station card
Swish is dominant in transactions between people and street markets and I don’t see Apple Pay winning in that department with Swish being multi platform and all.
Small businesses usually accept Swish as payment. I use it all the time at my bakery, at the car wash, when I cut my hair. There Apple has to play hard to win them over seeing as with Swish all the hardware you need is a phone, no card terminal is required.
Bigger businesses and retail chain stores is where Apple Pay will become king I reckon. The ones that already have or plan to have an NFC terminal.
Online Swish is scarce indeed. I think I only found 2 shops where I use it.
Apple should really create a list of countries where Apple Pay isn't available (e.g. Germany
Here you go
https://www.apple.com/ios/feature-availability/#apple-pay
In the NOT mentioned 173 countries Apple pay is NOT available. It probably was easier that way ;-)
By the way, Apple NEWS is NOT available in 191 countries.
Apple should really create a list of countries where Apple Pay isn't available (e.g. Germany
Why not Germany? Apple is able to roll it out in smaller, less-developed countries. So the problem is not with Apple, and the problem is not with less-developed less-wealthier countries. There is something in Germany that is preventing ApplePay.
Yes. It's 100% because of the fact that the banks are scared* of Apple. That's literally the only reason.
NFC Terminals are pretty much everywhere and they are widely used with much less secure 'kontaktlos' giro cards.
In addition they try to push their clunky customer 2 customer payment solution onto people which literally nobody wants to use. Ever.
They just don't get it.
* they would loose some transaction fees to Apple
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Agreed.
I don't think Apples goal is to win over services like swish, even though they are making p2p payments possible, since it's required to have an apple product. It will be for everywhere you use a credit card today.
Has this ever been reported, like on a regular basis?
I mean, you would have to set up an account to collect the money, and in most countries this requires some sort of ID.
Yes! Apple Pay in Denmark! Oh ****, it's only available in two ****** banks. Nordea is dirty, they were caught doing tax evasion in Panama recently.
It would be nice to have Apple Pay as the standard method of payment tbh. My autistic side gets short circuited when I have to switch from chip & pin, chip & go, and contactless.
Swish requires that terrible BankID app which is very slow compared to Apple Pay. And in new stores you first have to scan a code or type in a phone number instead of just holding the phone onto a terminal. Apple Pay would just be much faster if Sweden wouldn't lack NFC terminals so badly.
Between friends, Apple Pay can be used in iMessages. Also much more convenient than Swish + BankID but I understand that it is very difficult to make people change their habits.
At least in Stockholm, nearly everybody has an iPhone. I rarely see any other phones here. Still, I give Swish the credit of being multi platform. That definitely has advantages.
I will test Apple Pay on my way home but yes, I doubt it will be nowhere as slow or complicated as Swish.
I know well that awkward 5-10 second feeling when paying at a store with swish. Type or scan the number, amount, phone switches to BankID, scans your thumb, phone switches back to Swish, complete. It doesn’t sound like a lot, but it is if you have a stranger on the other side staring at you, waiting. lol
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It has been open since the iphone 7. And no, mobile pay is built outside the card ecosystem, and therefore always required internet to work. Hence being slow as many stores in denmark almost kill the signal inside the building.
That being said, mobile pay is the defacto standard for person to person transfers these days. Even at yard sales mobile pay is used, not cash. They really solved that problem! I am just saying it is too slow compared to contactless cards in stores - even if apple opened up for the NFC chip from day one. MobilePay is simply not meant to be a card replacement they way it is built. It kinda got skewed in that direction later on.
To be honest I didn’t see BEAM logo on it.
I was in Pascal Tepper (if you in Dubai and leaving in Marina area you will know what I mean) and they brought wireless terminal to me. That’s when I surprised them with Apple Pay!!
You're completely wrong there. Apple Pay is at least as secure as chip + pin (as the minimum pin requirement is 4 digits, just like the credit cards). It can be considerably stronger than having a typical pin due to touch ID, face ID or a much longer pin code.
Now we just need the banks to embrace it, the current selection leaves me without the option for Apple Pay.