It is with betalingsfirmaer that Nets and the banks, that the solution to the illegal charges on Apple Pay and Google Pay to be found.
It takes the store chain Dagrofa, among other things, is behind the Menu and Save.
- We are aware that in few cases can be a problem with the fees on the debit card, and we are in ongoing dialogue with the Nets, says communications consultant Caroline Sigh Thorlacius from both cases to the Extra Blade.
Technology - 3. aug. 2020 - pm. 07:13 Beware Apple Pay: Illegal gebyrfælde
As Extra the Blade earlier in the day revealed, is that Danish consumers in at least a year back, in some cases, been charged an illegal fee to use the mobile solutions like Google Pay and Apple Pay.
With the Nets, it is recognized that there is a technical challenge. And that you don't know how many consumers who illegally paid a fee. But it is a problem, Nets have difficulties to solve.
'Nets have established a process to ensure that users of Apple Pay, which has joined a Danish issued cards, not gebyrpålægges iht. the current rules,' explains press officer Povl Damstedt Rasmussen in an email to Ekstra Bladet.
'however, We are dependent on, we obtain the updated BIN lists (kortlisterne, red.) from the international card companies, which correctly shows where a card in Apple Pay is issued at. In addition, it takes a while before the updated lists are implemented in the terminal.'
'It is due to the kortselskaberne first need to update the list and send it out, after which it must be formatted to fit to the different solutions and since implemented in the terminals'.
How it works
Apple Pay and Google Pay is a mobile payment service, where you type in its physical debit card into a special app.
When you want to pay in a store, puts his phone across the counter instead of his card.
the Solution is more secure, because other people can't aflure the same card or pin. This is all handled on the phone.
It is regardless of payment method - physical or digital - public to collect a fee from private debit card, which is issued within the EU. On the other hand, there are good fees also from cards issued outside the EU or corporate cards.
Technology - 3. aug. 2020 - pm. 16:58 the Economist on Apple Pay: Pay fees back
so far, must therefore consumers live with, that they are liable to pay an illegal fee. And there is no prospect that they will get the money back with the help of Nets.
'It is not something that we would be able to do. I will not be able to answer, on the other can', saith the Povl Damstedt Rasmussen.
the Solution is, therefore, that the customers require the money back when they discover that they have been scammed.
The corresponding store
Here is the answer, Morten Fahrnholz got from Dagrofa, which owns among other things the Meny and Save:
the Explanation on that you can be charged by the use of Google Pay/Apple Pay in the us and not by Coop el. Salling Group is that the solution we have with the Nets provides that a fee is charged by cards issued outside the EU/EEA as well as company card.
As we talked about, will generate a card number for paying with Google Pay/Apple Pay, which does not correspond to your VISA/Dankort-number. If the card number generated are not given to you by your bank to Nets can Nets do not detect that the terminal should not require fee payment, and when the terminal reads a foreign key, which is not shown by the ’list’ with the card numbers that should not be charged a fee from, the terminal will charge the fee for the payment.
to sum up: the problem will lie with your bank, which has not provided the card number generated v. the use of Google Pay el. Apple Pay to Nets why Nets do not register are not allowed to charge fees on the generated card number, and because we (and Q8, etc.) has chosen a solution where a fee is charged on the corporate cards and cards issued outside the EU/EEA, you may be subject to fee.
I must of course say, that at any time you can go to the store and get the amount back.