Tap to Pay on iPhone Now Available in Germany

[MacRumors]

Apple today announced that Tap to Pay on iPhone is available in Germany, providing a way for independent sellers, small businesses, and larger merchants in the country to use an iPhone as a contactless payment terminal.

Retailers can take advantage of the NFC chip in the iPhone to accept credit and debit card payments, Apple Pay, and other tap-based payment methods. Tap to Pay on iPhone works similarly to hardware-based payment systems like the Square Reader, but it does not require additional hardware to work.

When a customer makes a purchase, a merchant that supports Tap to Pay on iPhone can accept a payment by having the customer bring a credit card, debit card, prepaid card, iPhone, Apple Watch, or other digital wallet close to the merchant's iPhone. The transaction is completed through NFC, with processing done using the Secure Element for security purposes.

Tap to Pay on iPhone is available to payment platforms and payment app developers in Germany. Adyen, Commerz Globalpay, myPOS, Nexi, SumUp, and Viva support Tap to Pay on iPhone starting today, with mollie, PAYONE, Revolut, Sparkassen-Finanzgruppe, and Stripe set to implement support later in the year.

Since Tap to Pay on iPhone first launched in the United States in February 2022, Apple has been working to expand it to additional countries. It is now available in 12 countries, including United States, United Kingdom, Canada, Australia, Japan, the Netherlands, Brazil, Italy, France, Taiwan, Ukraine, and Germany.

Tap to Pay on iPhone is compatible with the iPhone XS and newer, so iPhones manufactured since September 2018 can use it. Tap to Pay also requires a contactless card or device, and it is compatible with cards from American Express, Global Discover Network, Diners, Mastercard, and Visa.

Article Link: Tap to Pay on iPhone Now Available in Germany

 

[DelayedGratificationGene]

Better make sure the all powerful all knowing EU commission is ok with this. I mean those people are tech wizards and they know it all and what’s best for everyone.

 

[DaveFlash]

Better make sure the all powerful all knowing EU commission is ok with this. I mean those people are tech wizards and they know it all and what’s best for everyone.

actually, this is not a consumer offering of apple or the payment companies, this is a business offering as for business use only (B2C) as such it's not subject to the laws you're thinking of.

 

[DaveFlash]

In other words: it already complies with all relevant laws concerning payment terminals and mobile POS.

 

[Und Eser]

Better make sure the all powerful all knowing EU commission is ok with this. I mean those people are tech wizards and they know it all and what’s best for everyone.

Nah, much better to hark the obvious wisdom of some random on an internet forum.

 

[timber]

An iPhone is so much more expensive than a mobile POS that I wonder how fringe is the usefulness of this functionality.

 

[Fuzzball84]

Oh, Tap to Play…. That’s going to be handy for some businesspeople working away for the weekend in another city 😀

Oh, tap to pay…

Convenient but risky… cash is always best.

 

[Fuzzball84]

An iPhone is so much more expensive than a mobile POS that I wonder how fringe is the usefulness of this functionality.

But if it’s a business phone it can serve a lot more function than just a POS. Lots of small businesses would appreciate that versatility.

 

[timber]

Yes, but a POS will accept chip cards and will issue receipts if required. Still nice option to have.

 

[maxfromdenmark]

An iPhone is so much more expensive than a mobile POS that I wonder how fringe is the usefulness of this functionality.

I believe that many small farmer markets sellers already have an iPhone and don’t have a terminal yet. Look at this that way. They don’t need to buy an extra equipment to accept card payments

 

[johnnytravels]

Great! Something that Apple didn’t hold back because of supposed DMA restrictions. Wonder if the direct measurable revenue stream for Apple had anything to do with it 😅

 

[.wojtek]

I believe that many small farmer markets sellers already have an iPhone and don’t have a terminal yet. Look at this that way. They don’t need to buy an extra equipment to accept card payments

Not so sure about Germany - iPhone is not that popular in the UE and for farmers I'd say that they would prefer rugged a android if anything...

 

[The Apple Bitch]

Another happy day when Apple expands its services!

 

[NagasakiGG]

Germany will still be behind most African countries when it comes to card acceptance. Idk why the people there are so behind with their Girocard and cash payment fetish.
I hope they will pass an European law similar to Italy soon, which forces everyone to accept card payment.

 

[contacos]

Germany will still be behind most African countries when it comes to card acceptance. Idk why the people there are so behind with their Girocard and cash payment fetish.
I hope they will pass an European law similar to Italy soon, which forces everyone to accept card payment.

I always hear “I loose control of my spendings. Cash is better” and I am like???? If I pay with cash I have no idea where I burnt those 50€ again one week later or another one is “I don’t want to be tracked”. PRIVACY

 

[purplefox]

Better make sure the all powerful all knowing EU commission is ok with this. I mean those people are tech wizards and they know it all and what’s best for everyone.

They will just wait a few year to say that it's antitrust practice and fine Apple 2 trillion euros.

 

[HDFan]

cash is always best.

It rarely is. Credit card purchases are usually much better assuming that you pay off the entire balance every month.

1. Credit cards often give you a discount. It may be cash back, mileage points or some other reward. Cash payers generally pay the same price but doin't get any of these rebates.

2. You can easily manage your budget with most credit cards by downloading the transactions into an app such as Quicken. Cash purchases require manual entry into your financial software if you want to keep track of your expenditures.

3. Credit card purchases are much faster. How many times have you had to wait at the checkout counter when someone is fumbling with all of their loose change in order to pay the exact amount?

4. Credit card purchases are much safer. Carrying around large amounts of money isn't a great idea in many areas of the world. Credit card fraud does occur but you just call the bank, they cancel the charges and issue you a new card.

 

[Fuzzball84]

It rarely is. Credit card purchases are usually much better assuming that you pay off the entire balance every month.

1. Credit cards often give you a discount. It may be cash back, mileage points or some other reward. Cash payers generally pay the same price but doin't get any of these rebates.

2. You can easily manage your budget with most credit cards by downloading the transactions into an app such as Quicken. Cash purchases require manual entry into your financial software if you want to keep track of your expenditures.

3. Credit card purchases are much faster. How many times have you had to wait at the checkout counter when someone is fumbling with all of their loose change in order to pay the exact amount?

4. Credit card purchases are much safer. Carrying around large amounts of money isn't a great idea in many areas of the world. Credit card fraud does occur but you just call the bank, they cancel the charges and issue you a new card.

My post was a little joke… inferring cash was best because it leaves no record in some cases. Especially for businessmen paying for certain services 😜 or businesswomen

I agree with you on the benefits of credit. I use my credit card for practically everything these days

 

[Shifts]

Hehe, I already see some posts commenting on Germany's slow adaptation of anything modern technology-ridden. Why rolling this out in one of the most backwards-striving countries first is weird, but maybe Apple felt they needed a bit of help here.

 

[Isengardtom]

Hehe, I already see some posts commenting on Germany's slow adaptation of anything modern technology-ridden. Why rolling this out in one of the most backwards-striving countries first is weird, but maybe Apple felt they needed a bit of help here.

The US isn’t much better unless it’s changed in the last 5 years, with all those checks (nobody in here in Belgium has written one of those since the late 80’s) and that ridiculous manual signing after paying with a credit card.

But agreed still not enough electronic acceptance in Germany

 

[NagasakiGG]

I always hear “I loose control of my spendings. Cash is better” and I am like???? If I pay with cash I have no idea where I burnt those 50€ again one week later or another one is “I don’t want to be tracked”. PRIVACY

Yeq, that’s a dumb argument. If Germans don’t want to use cards it’s fair enough. But then at least offer it for people we do. I often see stores offering either only Girocard or threaten with additional surcharges if you use credit card. Luckily that’s prohibited due to EU law and therefore get reported

 

[giebe]

Why Germany? They should have released tap to cash there. Germans are living in the past in terms of money. „Cash, cash, no credit cards.“ „Oh we don’t accept cards, because of fees.“ If you come across a German store which only accepts cash, it’s mostly for not paying taxes.

 

[iea96]

There are so many businesses in Germany that are cash only. I highly doubt I'll see anyone using this.

 

[Putzi360]

What do I have to do to use this feature for only very special occasions?
Thinking of school meeting to sell bratwurst and beverages.

 

[timber]

Why Germany? They should have released tap to cash there. Germans are living in the past in terms of money. „Cash, cash, no credit cards.“ „Oh we don’t accept cards, because of fees.“ If you come across a German store which only accepts cash, it’s mostly for not paying taxes.

If you are European that is so funny in so many ways.