Apple Pay Negotiations Still Ongoing in Germany as Hints of Pending Italian Launch Increase

Apple is "working rapidly" to expand Apple Pay to additional countries in Asia and Europe, and there's increasing evidence and reports that suggest the service may launch in Italy and Germany in the near future.


Apple recently updated its Apple Pay participating banks and card issuers in Asia-Pacific support document with a new image of Europe that has Italy highlighted. The change isn't visible on the United States or Europe versions of the page, suggesting that it may have been added to the Asia-Pacific page prematurely.


MacRumors discovered a colored version of the image stored on Apple's servers that makes it easier to see Italy highlighted.


Apple's regional Italian website has listed Apple Pay as "coming soon" since March, so it's only a matter of time—WWDC?—before the payments service launches in the country. At launch, Apple Pay will work with Visa and MasterCard in Italy through participating banks UniCredit, Boon, and Carrefour Banca.

Meanwhile, German blog iPhone-Ticker reports that Apple Pay should launch in Germany in the fall or winter. As in some other countries, however, the negotiations between Apple and German banks allegedly continue to be challenging, likely as both sides struggle to reach an agreement over fees and control.

Last October, Germany was similarly highlighted on the Apple Pay availability map, but only for a brief period of time.


Apple Pay launched in the United States in October 2014, and it has since expanded to 14 other countries and regions: Australia, Canada, China, France, Hong Kong, Ireland, Japan, New Zealand, Russia, Singapore, Spain, Switzerland, Taiwan, and the United Kingdom. There was also a rumor that Belgium could be added this month.

Related Roundup: Apple Pay
Tags: Italy, Germany


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21 months ago
Germany is a market with a lot of purchasing power and I expect Apple to try and establish a cut from the transactions as high as possible, meanwhile the banks have ZERO reason to rush an agreement as long as they are all very confident that Apple is asking too much I guess.

I mean, once they negotiate a rate I'm sure it will be harder to move away from it for banks especially.

Also, Germans are VERY reluctant to change banks, so their negotiation power in this is a lot higher than most other places.

Comments like "I changed banks to have Apple Pay" would be rather rare here save for the diehard Apple fans who read about Apple Pay every month on MR et all...

Meanwhile, a range of mobile payment options have long been available. Whilst less secure, less flexible or less convenient and integrated, many of them seem to cover that basic urge to pay with the phone just fine. Another hit to the negotiation power that Apple may have.

Glassed Silver:mac
Rating: 7 Votes
Avatar
21 months ago

You mean, by the time Apple Pay arrives in the Netherlands it won't even be relevant anymore.;):p


I moved to Berlin ;)
[doublepost=1494628050][/doublepost]

How so? I mean, I can see some QR code based system eventually coming out on top in the US (for a bunch of reasons) but I'm not sure if there's something like that in Germany.


QR code based system?? Is it 2013 again? :rolleyes:
Rating: 6 Votes
Avatar
21 months ago
It needs to get a (Western) European rollout to be really successful, the Netherlands, Belgium, Luxemburg, Denmark, Austria e.g. need to be added as well. I understand that if you live in Berlin you don't travel abroad that easily but NRW e.g., they get around. People who live near borders easily shop in one country and have dinner in the other one these days.
Rating: 4 Votes
Avatar
21 months ago
**** Germany and **** Germans with their backwards attitudes ALL THE ****ING TIME.

Whenever something... anything really... is NEW they immediately HATE it and dismiss it as nonsense. People who use such things are ridiculed on top of everything else.

Smartphones? HAHAHAHA NO ONE needs **** like this... SOOOO useless...
Meanwhile people in all other countries start using them.
5 years later... all of a sudden... smartphones are great in Germany too... and nobody even remembers dismissing them.

Same with tablets...

Non-cash payments...

Electric cars...

The list goes on and on.

I am so fed up with the people here...
Rating: 4 Votes
Avatar
21 months ago

**** Germany and **** Germans with their backwards attitudes ALL THE ****ING TIME.

Whenever something... anything really... is NEW they immediately HATE it and dismiss it as nonsense. People who use such things are ridiculed on top of everything else.

Smartphones? HAHAHAHA NO ONE needs **** like this... SOOOO useless...
Meanwhile people in all other countries start using them.
5 years later... all of a sudden... smartphones are great in Germany too... and nobody even remembers dismissing them.

Same with tablets...

Non-cash payments...

Electric cars...

The list goes on and on.

I am so fed up with the people here...

Sounds just like Macrumors half the time
Rating: 3 Votes
Avatar
21 months ago

Germany is a market with a lot of purchasing power and I expect Apple to try and establish a cut from the transactions as high as possible, meanwhile the banks have ZERO reason to rush an agreement as long as they are all very confident that Apple is asking too much I guess.

I mean, once they negotiate a rate I'm sure it will be harder to move away from it for banks especially.

Also, Germans are VERY reluctant to change banks, so their negotiation power in this is a lot higher than most other places.

Comments like "I changed banks to have Apple Pay" would be rather rare here save for the diehard Apple fans who read about Apple Pay every month on MR et all...

Meanwhile, a range of mobile payment options have long been available. Whilst less secure, less flexible or less convenient and integrated, many of them seem to cover that basic urge to pay with the phone just fine. Another hit to the negotiation power that Apple may have.

Glassed Silver:mac

The situation in Germany sounds a little like that in Australia, but to a greater extent in Germany. Here in Australia almost everyone has an NFC card and almost every were accepts NFC payments, but ApplePay is only available from one of the big four banks. It is my understanding that the issue in negotiation with three of the big banks is the transaction fee. In Australia the transaction fee is usually paid by the retailer and many retailer have a $10 minimum to pay by card or they charge the consumer 20c or 50c.

Apple design ApplePay for the US where NFC payments were still new and "cool", the problem for them is that in many other parts of the world NFC is already implemented, so Apple is in a far weaker negotiating position in relation to transaction fees.

Another issue that puts Apple is a weaker negotiating position in Germany, is the iPhone is far less popular there than US, UK or AU.


source ('https://mspoweruser.com/here-are-the-kantar-smartphone-market-share-numbers-for-march-2017/').
Rating: 3 Votes
Avatar
21 months ago

**** Germany and **** Germans with their backwards attitudes ALL THE ****ING TIME.

Whenever something... anything really... is NEW they immediately HATE it and dismiss it as nonsense. People who use such things are ridiculed on top of everything else.

Smartphones? HAHAHAHA NO ONE needs **** like this... SOOOO useless...
Meanwhile people in all other countries start using them.
5 years later... all of a sudden... smartphones are great in Germany too... and nobody even remembers dismissing them.

Same with tablets...

Non-cash payments...

Electric cars...

The list goes on and on.

I am so fed up with the people here...


Dear oh dear, what a Tantrum,
I travel all over Germany (and even into Bavaria when necessary) & all over the World for business, & like every other Country I have visited, older people don't like change, but otherwise people mostly embrace new technology. The only thing that usually holds them back having it is, in the poorer countries, they of course simply cannot afford the "latest thing". But they still want it.
Germany & Germans are just the same IMHO.
Rating: 2 Votes
Avatar
19 months ago

The screenshot with Frankfurt is back. I hope, this is a hint.
https://support.apple.com/de-de/HT201469


Nice find!
Man, I've been waiting for Apple Pay since the iPhone 6 and Apple Watch announcement. And I'm actually still rocking said devices... WITHOUT Apple Pay. Stupid Germans and stupid German banks.

"Nah, we just handle everything cash!" "Credit Cards? Nah, only direct debit cards!"
Rating: 1 Votes
Avatar
21 months ago
I live in Germany and use Apple Pay with my iPhone in the most relevant stores that support NFC (e.g. ALDI) without any problems via Boon. A bit tricky to setup Boon, but Boon officially is supported since a long time in Germany. Additional cost: 1 Euro/month.

I confess: ApplePay and NFC-payment is rarely practiced in Germany, although most stores do support it, but nobody knows about it. I had and have a lot of fun with cashiers who do not know what is possible nowadays ;-)
Rating: 1 Votes
Avatar
21 months ago

Now that is the thing... if Germany WAS a poor country... but it isn't.

Like you... I also travel around (mostly Europe) a lot. But I actually AM German and I live in Germany.
And sadly... there is simply NO comparison between... say... Germany and the UK.
Whatever is already big and en vogue in the world of technology... Germans take approx. 5 more years to embrace it.

Well..
Admittedly I'm not German, but I do live in Germany & have done for 18 years now, and I wasn't making any comparison with the UK as I haven't lived there for a lot longer than that. I was drawing on my own observations during that time.
'fraid we'll have to agree to disagree! :)
Rating: 1 Votes
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