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Great news! More choice and freedom for consumers in the European Union. In advance, those who downvote me clearly dislike freedom of choice. LOL.
Jealous, wish I had the superpower of knowing every other person's motivations for their actions =). Choice is a good thing, but the reason some may worry is that PayPal by many may be considered less secure or privacy orientated and not desire to PayPal but worry that PayPal may stop offering Apple Pay support once this takes off. Hopefully if that happens you'll be first here in the comments to chastise them for removing freedom of choice =). The otherdown side is if PayPal ends up having hacks or data issues, people may then start trusting Apple Pay less since people may consider it the same.
 
macrumors wrote
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European users are able to choose a default app that is activated when an iPhone is near an NFC terminal or when the side button on the device is double pressed, so paying in stores with PayPal is as seamless as paying with Apple Pay.
endquote

are you sure that that is what you want to say?
ALL iPhone users have this functionality already just by setting the default payment and/or transit apps that access the apple wallet.

wouldn't whatever you are trying to say probably be closer to something like "PayPal wants the secure enclave to, by default, access a PayPal wallet".

the implication likely being that PayPal will provide a wallet accessible with a smaller fee (to payment merchants), giving apple pay competition.
and, that megabanks will likely make their own secure-enclave-accessible-wallets. quite fracturing the system.
 
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Not that I pay using my phone that often and i use Android not an Iphone, but even so I don't see the point in using Paypal.
If you use Android pay or what ever, they call it now or Apple pay then the money comes directly out of your bank account or from your credit card. Is that going to happen with Paypal?
Funding can be from a bank account, a credit or debit card, or a PayPal balance from money you receive.

I know people say it is good to havce choice, but what does Apple get out of Apple Pay?
A cut of each transaction

 
Personally, I would like to see a barrage of Will Ferrell doing PayPal tap-to-pay commercials in German instead of English. Especially the singing.
 
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Not that I pay using my phone that often and i use Android not an Iphone, but even so I don't see the point in using Paypal.
If you use Android pay or what ever, they call it now or Apple pay then the money comes directly out of your bank account or from your credit card. Is that going to happen with Paypal?

I know people say it is good to havce choice, but what does Apple get out of Apple Pay?
Using an Android phone I have the choice to use what ever payment system I like, I used to use a Curve card on my Fitbit watch, because at the time, my bank was not supported until Google took over Fitbit. But that was not instant, and I normally got on my bank account aldi via Curve or something like that.
The good thing about using somethingh liek Googel Pay and I presume Apple pay is that on your bankl statement, it just says the name of the company you have paid, just like using your debit/credit card.


Lately I have been using my chip and pin card more than my phone/watch and to be honest, i am thinking of going back to cash
One benefit would be that it is platform neutral, unlike Apple Pay. If you decide to switch to android, everything is already set up for you.
 
Don't you Americans see this coming? The obstacle was Apple's closed NFC payment system, but the EU forced them to open it up. They're already working on Wero Wallet, a European payment system with direct NFC payments from bank accounts, bypassing the fees of US-controlled cards (American Express, VISA, or Mastercard) and without European transactions going through US servers.
 
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I’m guessing once this is all set up, PayPal cards will drop support for Apple Pay. For them, it will be fine, but if Apple tried to do that, it would be “anti-competitive” and they would get sued hundreds of millions of dollars.
Yeah IDK why Apple chose to go to the route of asking companies to integrate with Apple Pay. They could’ve launched their own payment network like Alipay and take everything and no one can complain
 
I don’t agree with this ‘you spend money designing and building it and make it open so every business can profit from it’ approach. Is the EU paying for the R&D, or are they stifling competition by forcing businesses to spend money to support other companies?
 
I don’t agree with this ‘you spend money designing and building it and make it open so every business can profit from it’ approach. Is the EU paying for the R&D, or are they stifling competition by forcing businesses to spend money to support other companies?
The essential facilities doctrine is a major part of antitrust law. It broke up AT&T and nearly did the same to Microsoft.


Historically, the EU had NFC-based payment systems before the US. Europe may not be at the forefront of most technological breakthroughs like software, but they have been ahead of the US for commerce for decades. Why? Greed, mostly.
 
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Quite a few people completely missing the point of this article.

The point is not whether or not you like Paypal.

The point is that Apple was clearly stifling competition. The moment the anti-trust measures were applied, real competition is immediately appearing.

Now we need to apply the same for Apple and the Play Store worldwide.
 


PayPal today announced that it is planning to debut contactless payments in Germany, allowing German iPhone users to make tap-to-pay purchases in stores using their PayPal accounts.

Article Link: PayPal Launching Contactless iPhone Payments in Germany to Compete With Apple Pay
Pretty stupid. PayPal owns Venmo, and my Venmo card is already in Apple Wallet, so it can work with ApplePay already. I'm sure if I had a PayPal card, it would work in ApplePay as well.
PayPal is already able to work with NFC and Apple Pay, so it's pretty dumb for them to try to re-invent the wheel and make people re-program their double-click side button just to make a payment that they could do already with their existing iPhone setup.
 
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I don’t agree with this ‘you spend money designing and building it and make it open so every business can profit from it’ approach. Is the EU paying for the R&D, or are they stifling competition by forcing businesses to spend money to support other companies?

It isn’t any different to the FRAND principles.

There’s a point where a proprietary platform or technology becomes so major/universal, that it doesn’t make sense for there to be one company being the ‘gatekeeper’.

Microsoft Windows went through exactly the same thing. It has already happened previously.
 
Great. Don’t use their services [PayPal] then. Stick with Apple, or wait for a better option for you. Nothing's changed except now there exists a choice. The fact you can now do this is much more the point, rather than be forced to only be able to use Apple.
PayPal already works inside the Apple Wallet app, as does PayPal subsidiary Venmo, (and CapitalOne and TDBank and American Express) so no one is "forced to only be able to use Apple." PayPal had to create Venmo because no one for the past 10 years has used PayPal except when forced to by a particular online merchant.
 
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Paypal was founded in 1998. Apple Pay didn’t come along until 2014. What did PayPal do with such a HUGE lead to where they’re only ALMOST ans big as Apple? Even the PayPal Secure card came out in 2007! It’s not that Apple doesn’t like competing it’s that apparently no one else knows how to compete LOL
Precisely. I've had an iPhone since 2009 and don't recall being able to pay with NFC until Apple Pay came out. If PayPal wants to claim prior art, they need to re-examine their history.
 
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I’ve been using PayPal for years. The complainers on here don’t understand the benefits they bring. Apple Pay is accepted most places at physical stores, not so much when dealing with online merchants. PayPal is an easy way to pay online and it stores different payment methods as well as your shipping address. I would say online, the internet PayPal has more integration than Apple Pay
 
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Yeah, where else would it be coming from?
Haha, as we're discussing PayPal you raise a very good point. PayPal's Venmo won't allow you to put money INTO your Venmo account from a bank account unless you get a Venmo debit card. (They don't want your money sitting around earning THEM interest.) But where does the Venmo debit card get its funds? From the Venmo account, of course; where else could it come from? So, why would you need a Venmo debit card in order to put money INTO your Venmo account? PayPal/Venmo folks are not the brightest bulbs in the financial world; their own support department is unable to explain this bizarre requirement.
 
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