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Apple Pay launches in Germany
Anyone who owns a Smartphone from Apple, will now have an Alternative to the wallet at the checkout. In other countries this is no longer possible, but Apple and the banks could not agree a long time on who deserves how much of a card transaction. the By Felicitas Wilke and Nils Wischmeyer Felicitas Wilke

Felicitas Wilke, born in 1990, is an associate resort in the Economy. She writes stories, since you can write. After high school, she studied business administration, then attended the German school of journalism and spent a Semester in Aarhus/Denmark. In between internships at Newspapers, radio and television. When she is not writing about money, you are in Schwabing shops and Franconian Kerwas, learn a new language, or sitting desperately in front of the TV, because her lover, BVB has lost a final.

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is The payment service Apple Pay will launch this Tuesday morning in Germany. Customers could use the payment service "from now on," said the Tech group on Tuesday morning.

the Following financial institutions to cooperate with Apple: Comdirect, Deutsche Bank, American Express, Boon, Bunq, Fidor Bank, the Hanseatic Bank, Hypo Vereinsbank/Unicredit, N26, O2 Banking, Ticket Restaurant Edenred, Vimpay.

anyone Who owns a Smartphone from Apple, with the payment service, an Alternative to the wallet at the checkout. So far, the iPhone, the popular mobile payment method, the radio transmission gave up the Ghost on the so-called Near Field Technology (NFC).

Already in the summer, Apple CEO Tim Cook announced that Apple Pay was coming "later this year" to Germany. In many other countries, including in neighbouring countries such as France, Denmark or Poland, consumers can already, for months, sometimes years, with Apple Pay, you pay.

in this Country have not agreed to the US Corporation and the banks a long time on who deserves how much of a card transaction. Experts report that Apple requires a high percentage, against many of the banks were for a long time. In consequence, Apple released the NFC-interface to his devices, not for the banks and other Payment Apps.

the activate service

After all, one out of every five Smartphone owners in Germany, uses a device from Apple. To be able to from now on the group's own service access, it is not enough, however, to have a cell phone or other device with Apple in the Logo. You also have to be a customer at one of the participating banks.

Who has an account there, you can add in the Apple Wallet, the digital wallet is on the devices, his credit card or debit card in a digital Form. This map is then processed the payment. Not behind it, so it is said., the Girocard - perhaps a drawback for many potential customers in Germany only every third one has a credit card, almost any but a debit card Usually it is the Girocard, which operated earlier as a debit card.

An Alternative, at least for those who do not have an account with one of the participating banks. You have the possibility to use the Bank-independent service Boon that belongs to Dax-listed company Wirecard. In the Boon-App about also customers of the savings Bank or the national banks can create a digital Debit Mastercard, automatic recharge, and then to the Apple device pay.

So this also works really needs to support the dealer with the NFC technology. Most of the funds are now been converted accordingly, since the technique is also used for contactless payment with the card. In order to pay a bill that keeps the customer your Smartphone to the Terminal, and must authenticate with the fingerprint or face. Only then the payment process is completed. In this way, Apple wants to ensure that Criminals can't pay with a stolen mobile phone.

Generally speaking, the Pay with the Smartphone, be it with an iPhone or an Android, very safe. The buyer must identify themselves at least in the case of higher amounts, such as with a fingerprint or via a Face ID, so face detection. Apple advertises in addition to that, the personal data will not be saved and is trying to convince the safety-conscious people in this country.

The Apple users were expecting the payment service also, therefore, eagerly, because other providers were much faster. The solution Google Pay, which runs on devices with the Android operating system, started already in the summer of this year, with major partner banks, including Commerzbank. Since a few weeks, Paypal is also as a powerful supporter on Board.

Girocard can be deposited with other Apps

The people's banks and savings banks have developed, as well as the trade, your own Apps that customers can use at the checkout of Aldi, Rewe or net pay. However, it is questionable how successful such a Silo can be the solution. Savings Bank customers, for example, the use of an iPhone, are not able to pay in addition to Boon continues with the Smartphone. The Same is true for the customer of the Volks - and Raiffeisen banks.

The two groups of institutions, in turn, can be different as Apple Pay points so that you have the Girocard behind. In the case of the VR-banks, which brought in August, a mobile payment service, have stored only 20 percent of the customers credit card, and all other use of the digital Girocard.

This shows that Apple could have to Pay in Germany is difficult, as long as no Girocard leaves. It is not only with credit cards, many people in Germany fear of strangers, also with the mobile Pay in General, you hold back so far. Not even every Tenth has so far paid a bill with a Smartphone, show Figures from the Bundesbank.

Many people are avoiding the reasons mobile payment services for security, most consumers, however, simply no make Use of to pay with the mobile phone. "Really enforce is the mobile Pay only if the customers a significant added value," says Oliver Hommel, a specialist for payment transactions at the consultancy Accenture. This could be true points or special offers, but also the possibility to pay to order a product in advance and mobile, without having to be in the queue queue.

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