Apple Rolling Out Tap to Pay on iPhone in the Netherlands

[MacRumors]

Apple is today rolling out Tap to Pay on iPhone in the Netherlands, according to iCulture.nl, allowing independent sellers, small merchants, and large retailers in the country to use ‌iPhones‌ as a payment terminal.

Introduced in February 2022, the feature allows compatible iPhones to accept payments via Apple Pay, contactless credit and debit cards, and other digital wallets, using only an ‌‌‌‌iPhone‌‌‌ - no additional hardware or credit card machine is required‌.

Tap to Pay on ‌‌‌‌iPhone‌‌‌‌ uses NFC technology to securely authenticate the contactless payments, plus the feature also supports PIN entry, which includes accessibility options.

Adyen and SumUp are the first payment platforms to offer Tap to Pay on iPhone to business customers in the Netherlands, with Rabobank, Klearly, Revolut, Stripe, Viva Wallet, Worldline, and myPOS coming soon. Tap to Pay on iPhone will also roll out to Apple Store locations in the Netherlands in the coming weeks. Apple has not yet officially announced the rollout in the country, but a press release is expected soon.

Tap to Pay on ‌‌‌‌iPhone‌‌‌‌ requires ‌‌‌‌iPhone‌‌‌‌ XS or newer models, and works for customers as any normal ‌‌‌‌Apple Pay‌‌‌‌ transaction would. Sellers just need to open up the app, register the sale, and present their ‌‌‌‌iPhone‌‌‌‌ to the buyer, who can then use an appropriate contactless payment method.

Tap to Pay on ‌‌‌iPhone‌‌‌ is available to over 700,000 additional businesses across the United States, and Apple Stores in the U.S. have also rolled out the feature. The Netherlands is the fifth region to support Tap to Pay, following similar rollouts in the U.K., Australia, and Taiwan earlier in the year.

Article Link: Apple Rolling Out Tap to Pay on iPhone in the Netherlands

 

[one more]

This is cool. If SumUp are on it, I expect it to be brought to many other countries quite soon, as they have quite an extensive network.

 

[nottorp]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

 

[Strawberrypro]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

But that's just the case with credit cards, not with debit cards. In the Netherlands, many places accept only digital payments (any payment without cash). In fact, many of these places only accept payments without cards, using just your phone or nfc chip inside the bankcard.

 

[Zest28]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

They don't accept credit card payment because they force you to use their crappy iDeal system.

Hotels seems to be fine from my experience with credit cards.

 

[nottorp]

No idea why, but as a tourist who prefers to use his credit cards on holidays it was reasonably annoying.

 

[MLVC]

They don't accept credit card payment because they force you to use their crappy iDeal system.

Hotels seems to be fine from my experience with credit cards.

iDeal is not used in shops, it’s an online system.

 

[Skyscraperfan]

What may be convenient right now, might sooner or later lead to a cashless society with all its downsides.

 

[btz-tech23]

Apple: Buy weed by bumping your smartphones into each other !!

 

[USB-Adapter]

Apple: Buy weed by bumping your smartphones into each other !!

You stole my comment, I hate you.

 

[JustMarco]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

Problem in Netherlands is not that fees for credit cards are unsustainably high, it's that debit card fees for Maestro and VPAY are just super low compared to anywhere else in the world. Which make dutch merchants not wanting to accept creditcards.

 

[elvisimprsntr]

In a country where prostitution is legal, seems like anything contactless would be a good thing.

 

[davidh2k]

But that's just the case with credit cards, not with debit cards. In the Netherlands, many places accept only digital payments (any payment without cash). In fact, many of these places only accept payments without cards, using just your phone or nfc chip inside the bankcard.

Technically a Debit Card payment is a Credit Card transaction, thus the same rates will apply. That got incredible evident in Germany where big chains did not yet accept debit cards due to the fact that they didn‘t have a contract for credit card billing (and not accepting them)

 

[Steve in Heaven]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

We don't use much credit cards in NL. Living on credit is a bad American habit such as junk food, big-ass SUVs and pop music. Instead we used direct payment. It works perfectly and it's cheaper for all. Only exception might be for the tourists. Using a bank card for each transaction can be costly. The banks are the greedy ones to blame for that.

 

[RickDEGH]

Finally something for the Dutch to be happy about … a first over their Deutsche neighbours (myself included) 😂

 

[MLVC]

Finally something for the Dutch to be happy about … a first over their Deutsche neighbours (myself included) 😂

I think most Dutch are happy that they're not German 😉

 

[RickDEGH]

I think most Dutch are happy that they're not German 😉

Yet they complain when Germans get bike routes in Apple Maps before them 😉😉

 

[USB-Adapter]

I think most Dutch are happy that they're not German 😉

Well...
The word "Dutch" is closely related to the German word "Deutsch", that means German in German.
Dutch national anthem contains words "ben ik, van Duitsen bloed," that means "I am of German blood".
But we don't talk about it.

 

[nottorp]

We don't use much credit cards in NL. Living on credit is a bad American habit such as junk food, big-ass SUVs and pop music. Instead we used direct payment. It works perfectly and it's cheaper for all. Only exception might be for the tourists. Using a bank card for each transaction can be costly. The banks are the greedy ones to blame for that.

Just because they're called "credit cards" doesn't mean you have to use the credit.

Their main appeal to me is i can deny suspicious transactions before paying them off. Especially when I play the tourist.

 

[aknabi]

Hmm I wonder how much it costs the seller. Last time I was in NL there were a lot of small places where I couldn't pay by credit card because their banks charged unsustainably too much.

I've lived in NL for over 10 years and I'd say it's not the banks charge, it's sellers in NL being nickel and dime cheap and still assuming they have a captive market in a small country that doesn't have choice... in NL you pay much higher prices for mediocre quality (especially with Apple gear... those great discounts you see here on MR from Amazon or B&H, etc... yeah, you'll never see that here)... it's why I wait to go to the US to make as many purchases as I can and pay 20-50% less... not to mention no sales tax and getting my AMEX points... but then again I don't believe in bending over for a seller because they're kind enough to offer me the privilege of buying from them.

 

[Agent007]

I almost went there once. Then a bunch of US states started legalizing weed so it's not worth the transatlantic airfare.

 

[Knavel]

We don't use much credit cards in NL. Living on credit is a bad American habit such as junk food, big-ass SUVs and pop music. Instead we used direct payment. It works perfectly and it's cheaper for all. Only exception might be for the tourists. Using a bank card for each transaction can be costly. The banks are the greedy ones to blame for that.

Yeah but this sanctimonious Dutch talking poing is really irrelevant.

Foreign visitors with debit cards also couldn't use those to pay here at penny-pinching shops like Albert Heijn under the system which is only finally being replaced this year.

It was not about credit vs debit, but about the Netherlands' home-grown Maestro-linked payment system vs the rest of the world.

Now that Dutch banks are being forced by regulators to issue cards that are compatible with the rest of the world, things will hopefully start to change.

Incidentally for many tourists a credit card is by far the cheapest way to pay for things, cheaper than e.g. paying directly from your ING account with a pinpas. That's because credit cards issued in some countries offer up to 2% rebates to the customer and charge 0% in foreign exchange fees. That 2% comes out of the transaction fee that the merchant pays, of course, so effectively it's a little discount provided by the shop to the tourist. And that is of course the root of why some of those shops didn't want to accept foreign cards. Dutch customers who haven't banked overseas may not realise how bad we have it.

 

[CARIB_APPLE]

We don't use much credit cards in NL. Living on credit is a bad American habit such as junk food, big-ass SUVs and pop music. Instead we used direct payment. It works perfectly and it's cheaper for all. Only exception might be for the tourists. Using a bank card for each transaction can be costly. The banks are the greedy ones to blame for that.

That is the big misconception with The Netherlands. Just because I have a credit card then I am mismanaging and in debt. Most people, myself included, pay their credit card bills in fill every month. The stores in The Netherlands could charge a fee for using credit cards like some places in the US do. I still can’t believe that AH doesn’t accept credit cards.

 

[tmiw]

That is the big misconception with The Netherlands. Just because I have a credit card then I am mismanaging and in debt. Most people, myself included, pay their credit card bills in fill every month. The stores in The Netherlands could charge a fee for using credit cards like some places in the US do. I still can’t believe that AH doesn’t accept credit cards.

One of the major reasons those fees are becoming more and more common in the US is that stores pay some of the highest fees in the world to accept cards in the first place. This might be one of those "be careful what you wish for" deals, especially if a major retailer like Walmart starts surcharging one day and gets away with it (i.e. loses few if any customers).

BTW from a societal standpoint, I can see how reducing reliance on credit might be a good thing. Assuming, of course, you make it possible to be such (by reducing income inequality, etc.)

 

[svish]

Glad to see that it is expanding to different countries