Apple Pay

Apple Pay finally launches in Germany

Posted by | apple inc, Apple Pay, cash, contactless payments, Europe, Germany, iPhone, mastercard, Mobile, mobile payments, payments, privacy | No Comments

Apple’s mobile payment technology has finally launched in Germany, some four years after it debuted in the U.S.

On its newly launched Apple Pay website for Germany, Apple lists partner banks and credit card companies at launch, with customers from the likes of Deutsche Bank, O2 Banking, N26, Comdirect, HypoVerensbank, Bunq and Boon able to tap up the payment method directly.

Some fifteen banks and services are supported at launch. A further nine banks are slated as adding support in 2019, including DKB, INK and Revolut.

iOS users in the country can now add supported debit or credit cards to Apple Pay to make contactless payments with their device, rather than having to carry cash. Apple’s Face ID and Touch ID biometrics are used to a security layer to the payment system.

The local Apple Pay site also lists a selection of retailers, with Apple writing: “Apple Pay works in supermarkets, boutiques, restaurants, hotels and many other places. You can also use Apple Pay in many apps — and on participating websites with Safari on your Mac, iPhone or iPad.”

Aside from convenience, the other consumer advantage Apple touts for the system is privacy, with Apple Pay using a device-specific number and unique transaction code — and the user’s actual card numbers never stored on their device or on Apple’s servers — which means trackable card numbers aren’t shared with merchants, so purchases can’t be tied back to the individual.

While that might sound like an abstract concern, a Bloomberg report this summer revealed details of a multi-million deal in which Google pays for transaction data from Mastercard — in order to try to link online ad views with offline purchases in the US.

Facebook has also long been known to buy offline data to supplement the interest signals it collects on users from inside (and outside) its social network — further fleshing out ad-targeting profiles.

So escaping the surveillance net of one flavor of big tech can require buying into another. Or else going low tech and paying in cash.

Apple does not say what took it so long to add Germany to its now pretty long list of Apple Pay countries but Apple Insider suggests the relatively late adoption was down to pushback from local banks over fees, noting that it’s four months after the official announcement of a German launch.

It’s also true that paying by plastic isn’t always an option in Germany, as cash remains the dominant payment method of choice — also, seemingly, for privacy purposes. So Apple Pay is at least aligned with those concerns.

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Apple Pay tests ‘order ahead’ for drinks at music festivals

Posted by | Apple, Apple Pay, Apps, eCommerce, Mobile, order ahead, payments, TC, Video | No Comments

Apple is fixing one of the worst parts of the concert experience: waiting in line for a beer while you miss your favorite song. Last week’s BottleRock music festival near San Francisco was the first to try a new “order ahead with Apple Pay” feature that Apple hopes to bring to more events. You just open the festival’s app, select the closest concession stand, choose your drinks, Apple Pay with your face or fingerprint and pick up the beverages at a dedicated window with no queue.

Check out our demo video below.

BottleRock’s upscale wine and oldies music fest, 100 miles from the tech giant’s headquarters, has become a testbed for Apple Pay. Last year, every concession stand got equipped with the Square’s Apple Pay-ready point of sale system and special fast lanes for customers who used it instead of cash or credit card. Thirty percent of all transactions at BottleRock were made with Apple Pay, according to an Apple spokesperson, proving people wanted a faster way to get back to the show.

With order ahead, your drinks are ready for pick up so you don’t even have to break your dance stride. Having gone to 14 Coachellas, I’d learned to forego booze rather than risk losing my friends or a chance to hear that hit single while stewing in the beer garden lines. But Apple Pay powered the best concert commerce experience I’ve had yet. I’m sure I’m not the only one who knocked back a few more drinks last weekend because it was so convenient.

That’s why I foresee music festivals jumping at the chance to integrate into their apps order ahead with Apple Pay. They and their vendors will see more sales, while attendees see more music. Meanwhile, it’s a smart way for Apple to reach a juicy demographic. Apple Pay is especially helpful when you’re in a rush, but festival goers will return home more likely to use it day-to-day.

Often times, music festival tech, like friend-finding apps and location-based alerts, can interrupt the moment. Apple Pay succeeds here by fading away, keeping you in harmony with the present.

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French peer-to-peer payment app Lydia adds Apple Pay support

Posted by | Apple, apple inc, Apple Pay, eCommerce, Finance, google wallet, mastercard, Mobile, mobile payments, money, payments, peer to peer, Startups, TC, Venmo | No Comments

 A peer-to-peer payment app that works similarly to Venmo from startup Lydia in France now works with Apple Pay (a feature originally announced in July), making it possible to spend your balance from the app wherever MasterCard and Apple Pay are accepted. It’s a neat use of Apple Pay to make it possible to do mobile payments without requiring that a user have a credit card – and it… Read More

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Apple Pay Cash starts rolling out to iPhone users in the US

Posted by | Apple, Apple Pay, apple pay cash, ios 11, Mobile, payments, TC | No Comments

 Apple Pay Cash is finally starting to roll out to users in the States, bringing the ability to send other iOS users payments directly through iMessage. The update is arriving piece by piece to those who’ve downloaded iOS 11.2, which launched two days back with a not-yet-live version of the feature. Apple Pay Cash was announced back in June at WWDC. However, the company added ahead of… Read More

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Over 5,000 Wells Fargo ATMs now support card-free access via Apple Pay and other mobile wallets

Posted by | android pay, Apple Pay, ATM, Banking, Banks, Finance, fintech, Mobile, mobile payments, NFC, Samsung Pay, Wells Fargo | No Comments

 Wells Fargo’s ATMs are getting an upgrade. The bank announced today that more than 40 percent – or over 5,000 of its ATMs – will now allow customers to perform transactions without having to pull out their bank card. Instead, users can take advantage of NFC – aka the “tap and pay” technology that powers mobile wallet systems like Apple Pay, Android Pay,… Read More

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iPhone X’s Face ID raises security and privacy questions

Posted by | Apple Pay, artificial intelligence, authentication, biometrics, cupertino, face id, facial biometrics, Fingerprint, iOS, iPhone, iphone 5s, iPhone X, Mobile, privacy, Security, smartphones, TC, Touch ID | No Comments

 Offering to gate the smorgasbord of personal content that lives on a mobile device behind a face biometric inevitably raises lots of security questions, even as always on face-scanning tech being housed in a smartphone raises privacy concerns… Read More

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Beijing’s public transport system gets an app for paying fares — but Apple isn’t invited

Posted by | alibaba, Android, Apple, Apple Pay, Asia, China, computing, e-commerce, mobile commerce, mobile payments, smartphones, technology, WeChat | No Comments

 Apple continues to be locked out of China’s massive mobile payments space. The latest reminder came this week when Beijing’s transportation system opened up to smartphone payments… via an Android app. Already Tencent’s WeChat Pay and Alibaba’s Alipay services dominate China’s mobile payment space, which is estimated to have processed $3 trillion last year,… Read More

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Apple Pay is coming to Sweden, Denmark, Finland, the UAE and more banks

Posted by | Apple, Apple Pay, Apps, Gadgets, Mobile, TC | No Comments

 Apple has been announcing a bunch of news about Apple Pay recently. The company is expanding its mobile payment feature more aggressively. As announced in yesterday’s earnings call, Apple Pay is coming to the UAE, Denmark, Finland and Sweden before the end of the year. Apple hasn’t shared any specific information about those new countries. For instance, the company hasn’t… Read More

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UK’s digital-only Starling Bank adds Apple Pay support

Posted by | Apple Pay, Apps, contactless payments, debit card, e-commerce, Europe, Finance, financial services, Mobile, mobile payments, money, privacy, Security, starling bank, TC, Wallet | No Comments

 Digital-only UK “challenger” bank, Starling Bank, has added support for Apple Pay — meaning its customers can now add their Starling debit card to their Apple Wallet and make contactless payments drawing from funds in their Starling account via their Apple devices. Read More

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Jaguar launches in-car payments at Shell gas stations

Posted by | Android, android pay, apple inc, Apple Pay, automotive, computing, e-commerce, economy, Jaguar, mobile payments, PayPal, shell, TC, technology | No Comments

imgp5939-edit-edit-edit-2-edit-2 In a first for in-car convenience features, Jaguar is teaming up with Shell to launch a new payment feature that lets you use Apple Pay or PayPal (with Android Pay coming later on) to easily pay for gas right within their vehicles at the pumps. The feature is coming to the UK first, but will roll out around the world after that. The feature requires installation of the Shell app to make… Read More

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