Mobile payment: who can soon use any Apple Pay – and who can not – save

A small detail from the now-published information page shows the time that Apple is working on the launch of its payment service in Germany: the handyscapt screenshots also show the application of Captain Train train tickets – but they do not have not existed for two years.
But it should be ready this year, said Apple CEO Tim Cook this summer. A specific date is still unknown, the website says "come soon". The partners are now known for this. In the future, users should be able to pay with many iPhones like Aldi, Lidl, DM, H & M or Saturn, but also fast food chains like McDonald's, Burger King, Starbucks, Ditsch or Vapiano. In addition, BVG, Shell and many retailers or online applications accept the payment method for Apple device users.

Clients of the savings bank and other banks are left out

The precondition is, however, that the own bank plays the game and that the gaps remain even larger. Deutsche Bank and Hypovereinsbank will initially be present, Commerzbank only with its subsidiary Comdirect. Add to that the small suppliers N26, Fidor and Hanseatic Bank. The savings banks and the Volksbanks and Raiffeisen banks have disappeared. One of the reasons is that Apple has so far blocked its own applications for mobile payments on its devices. They rely on Android smartphones and the Google Pay mobile payment system. The competitor Apple had already started in June in Germany.

Apple Pay is already available in more than 20 countries around four years after its launch, for example in the United States and China, but also in neighboring countries such as France, Poland and Switzerland. At the cash desk, the customer holds the smartphone on the payment terminal and the data is transmitted via the NFC radio as for contactless payment by card. Most point-of-sale terminals are already NFC compatible.