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I’m thinking Apple Pay here in Sweden should work in more places than those listed by Apple right? All that’s really required is that the terminal has an NFC reader correct? In that case it should work at say an ICA store. Guess I’ll have to test.
 
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Honestly Apple Pay is one of those things that I waited so eagerly for and then it finally arrived and I used it a few times and then the excitement fizzled and it was just easier to use a card more often than not.

If it were truly accepted everywhere, then maybe I’d be singing a different tune.

I use Apple Pay whenever I can. Does the retailer accepting Apple Pay make me decide to shop there? Not necessarily. I do wish more retailers accepted Apple Pay.
 
Apple should be more open about negotiations since they are at the customer end and they are the one who are selling devices with NFC capabilities. Is it regulatory issue? A simple note, statement would be sufficient. Are the banks being greedy or Apple is insisting on juicy cut? A short press release on Apple Pay page will do it. Same rules apply to Google, Samsung, or any other manufacturers. If you put an NFC chip and charge people for it, you have certain responsibilities.
 
I’m thinking Apple Pay here in Sweden should work in more places than those listed by Apple right? All that’s really required is that the terminal has an NFC reader correct? In that case it should work at say an ICA store. Guess I’ll have to test.

A friend of mine tested it at ICA today via his Apple Watch. Said it worked perfectly.
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Move bank, I did in the UK with Barclays as they were too slow to adopt new technology.

I tweeted to my bank that they should adopt it or people would move. Mostly jokingly as moving would be a major pain in the butt. Have all types of bills that come in and are paid automatically. Plus accounts for my business. It would be a procedure.
 
I tried Apple Pay at a small random restaurant in Helsinki, Finland today. Works flawlessly as expected.
 
  • Like
Reactions: Mizhou
Honestly Apple Pay is one of those things that I waited so eagerly for and then it finally arrived and I used it a few times and then the excitement fizzled and it was just easier to use a card more often than not.

If it were truly accepted everywhere, then maybe I’d be singing a different tune.


Don’t forget it’s about convenience AND security/privacy.
 
Where's that rage coming from? Cash interactions take like five seconds, and the money goes to the store instead of to Apple. Would you not rather give your money to a local grocery store than to an American company that avoids paying taxes in Europe altogether?

That is one of the biggest issues I have with Apple Pay as well. Apple hardly provides anything but wants to take a huge cut of the earnings. Banks at least pay more taxes than Apple here
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Hopefully the EU is about to put an end to this when the Ireland situation comes up in court.

The most baffling thing I found about this situation is all the Apple fans defending them. I love Apple products but they are cheating all of us with their shameful tax dodging.

Imagine the **** storm if BMW and Mercedes announced that they won’t pay taxes anymore in the US because everyone knows they are an internationally operating company.
 
According to Nordea, those in Finland can also use Stockmann, Tuohi and Finnair Mastercards with Apple Pay. You can get for example Tuohi Mastercard regardless of which bank you use.
 
I don’t know where you live, but that’s just not a reality in California. I can’t leave the house without my wallet. I could actually get a ticket driving without my license on me, couldn’t buy alcohol, and while there are a lot of places that take Apple Pay, there are still major holdouts (Starbucks, just to name one.)

I thought it shouldnt be hard to know my location.right below my avatar
And no, I don’t need any of these things when I live home and I am not exaggerating. Pretty crazy to think people over there do. I can understand if you are teenage or you look like one and you wanted to buy alcohol though.
 
Unless getting paid by the word, why can’t authors just write “available on iPhones 6/SE/6S/7/X and iPads x/y/z”?

Would be so much easier to read.

TBH easier would be all devices with Touch ID except iPhone 5S, and all watches.
Apple Pay comes to Sweden and my bank does not support it. :(

Seems your “my bank” is not worthy. Vote with your feet. Move to a new bank which has it. That’s what I did.
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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 :(

What means crappiest?

Consider moving anyway. How much worse could the bank be? Give them a chance and move back if they are that bad, or when the otherwise better banks offer Apple Pay. If enough customers move for Apple Pay, the other banks will notice and some will move to offer it sooner than later.
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Back then when we had DM everything was better!

But honestly, I understand the banks in Germany. It’s really hard to make money as a bank here because not many people take out debts to pay for stuff. One of the few things where they make good money is card transactions. And now a complete outsider wants to take half your income from that because they provides an NFC chip which is in pretty much every banking card as well? Doesn’t sound like a great deal...

This doesn’t make sense. If so many Germans have the “Bäres ist währest” mentality, then the income from cards used by so few people, combined with low transaction fee charges, must be trivial compared to the income from all other bank operations. Also, if it’s like here in Switzerland, most banks charge customers to have a/both credit or/and debit cards.

The reason, imho, that the banking cartel in some countries are refusing to offer Apple Pay, is only in part due to income losses, and more due to trying to keep a new entrant out of the commercial banking industry.
 
What means crappiest?

Consider moving anyway. How much worse could the bank be? Give them a chance and move back if they are that bad, or when the otherwise better banks offer Apple Pay. If enough customers move for Apple Pay, the other banks will notice and some will move to offer it sooner than later.

I had Nordea a few years ago and I'm not going back.
I guess you don't have mortgages, no way am I switching bank only because of Apple Pay.

Problem solved anyway, the ST1 credit card that's also supported can be applied for in their app and set up for Apple Pay immediately. And it's free so I can use it a bit until my normal card is supported.
 
Been using it at Dubai Marina Mall McDonalds on their self serve terminals for the past few weeks, very slick. (Gotta have my McArabia sandwich). Starbucks too around town as their terminals are all compliant.

Waiting now for ADIB and Citibank to get on board so I can load my UAE cards.
 
Unless getting paid by the word, why can’t authors just write “available on iPhones 6/SE/6S/7/X and iPads x/y/z”?

Would be so much easier to read.

TBH easier would be all devices with Touch ID except iPhone 5S, and all watches.


Seems your “my bank” is not worthy. Vote with your feet. Move to a new bank which has it. That’s what I did.
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What means crappiest?

Consider moving anyway. How much worse could the bank be? Give them a chance and move back if they are that bad, or when the otherwise better banks offer Apple Pay. If enough customers move for Apple Pay, the other banks will notice and some will move to offer it sooner than later.
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This doesn’t make sense. If so many Germans have the “Bäres ist währest” mentality, then the income from cards used by so few people, combined with low transaction fee charges, must be trivial compared to the income from all other bank operations. Also, if it’s like here in Switzerland, most banks charge customers to have a/both credit or/and debit cards.

The reason, imho, that the banking cartel in some countries are refusing to offer Apple Pay, is only in part due to income losses, and more due to trying to keep a new entrant out of the commercial banking industry.
I had Nordea a few years ago and I'm not going back.
I guess you don't have mortgages, no way am I switching bank only because of Apple Pay.

Problem solved anyway, the ST1 credit card that's also supported can be applied for in their app and set up for Apple Pay immediately. And it's free so I can use it a bit until my normal card is supported.

Is there some kind of rule or benefit there that locks you into the same institution for both mortgage and all other banking? Couldn’t you just use a Lastschriftverfahren to Pay your mortgage from a different bank?

The point is about sending a message. The only message banks understand is customers leaving. If you can (somewhat) do this without a big hassle or costs, and enough do this, the banks will notice (Barclays did exactly this in the UK.)

One other thing to consider, do you have to pay for your current bank issued credit card? Will the new free card be a 1:1 replacement for the current card? If so consider cancelling the current card. Don’t neglect to write the CEO a snail mail telling them why.
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A friend of mine tested it at ICA today via his Apple Watch. Said it worked perfectly.
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I tweeted to my bank that they should adopt it or people would move. Mostly jokingly as moving would be a major pain in the butt. Have all types of bills that come in and are paid automatically. Plus accounts for my business. It would be a procedure.
You don’t have to move everything at once do you? Do it over time. Hard to imagine though that the move is that complicated. You inform new bank to take over payments by a certain date and you inform counterparties to send invoices to new bank after that date. Then you check each one off the list as the transition occurs. Unless the number of vendors you have is unusually out of proportion with the size of your support staff or your own time to do it, it’s manageable.
 
From what I've heard, Swish is the dominant mobile payment system in Nordic countries, set up by the countries' major banks. Those systems can be fairly engrained, like WeChat in China is.

Swish is great, but does not support contactless payment. It's based on mobile phone numbers.
 
I tweeted to my bank that they should adopt it or people would move. Mostly jokingly as moving would be a major pain in the butt. Have all types of bills that come in and are paid automatically. Plus accounts for my business. It would be a procedure.

Switching Banks in the UK is easy (surprisingly easy - considering how slow they are at change) - but there is a system in place to automatically transfer direct debits etc.
 
You can thank Apple for that, the locked NFC chip is the reason for all those steps.

It’s for better security as Apple can’t guarantee the integrity or functionality of every application that would want to hook into nfc.

So blame the banks for not offering it because except for prioritizing self-interest over customer-interest they easily could.
 
I don’t know where you live, but that’s just not a reality in California. I can’t leave the house without my wallet. I could actually get a ticket driving without my license on me, couldn’t buy alcohol, and while there are a lot of places that take Apple Pay, there are still major holdouts (Starbucks, just to name one.)

I'm pretty sure it works at Starbucks. It's just that most people paying with a phone are using the app so the baristas mostly assume that unless you're specifically clear about what you're doing.
 
Went to an ICA store. It didn’t work, older terminals than other stores? Who knows. It’s not like they are listed as partners.

Anyway, went by a CircleK on my way hope. It worked flawlessly. So smooth I giggled inside.
 
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