Apple Pay

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Apple Pay

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Basic data

developer Apple
Publishing year 2014
operating system iOS 8.1 and newer
watchOS
category Mobile Payments
License Proprietary
German speaking Yes
apple.com/apple-pay

Apple Pay is a payment system from the US company Apple for in-house mobile devices. It was introduced in the United States in October 2014 for the iPhone 6 and 6 Plus . The payment system works using Near Field Communication (NFC) in combination with a wallet . Payments can also be made using the Apple Watch . The system can also be used to make payments in dedicated apps or in the Safari browser ( iOS , iPadOS and macOS ).

From July 2015, starting in the United Kingdom, the service was gradually made available in other countries. At the beginning of July 2016, Apple Pay was launched in Switzerland, in December 2018 in Germany and in April 2019 in Austria.

functionality

Apple Pay never sends the actual details of the credit card on file during the payment process. Instead, a device account number is saved for each stored card . This is a randomly generated 16-digit pseudo credit card number that is stored in the Chip Secure Element . This chip is isolated from the operating system and is not part of the backup. When setting up a card with the same information, different devices are assigned different device account numbers . When entering a new credit card in the wallet , in addition to the specific card data, device information such as the last digits of the cell phone number or the device name and the approximate location are forwarded to the issuing bank in order to avoid misuse when storing the card data. Map data stored on a device can be deleted by the user at any time. If the device is lost, this can be done via My iPhone or via the iCloud settings without direct access to it.

The device account number is sent to the seller with every transaction . In stationary retail, this takes place via near-field communication with a reader; in online retail, transmission takes place via the Internet. The seller transmits this number to the associated banking network, which can assign the device account number to the stored credit card data. It then sends the seller approval for the transaction. After receiving the approval, the seller sends the amount to be paid and his ID to the buyer's device. In the next step, the Apple Pay user must confirm this using their Touch ID (from iPhone X with FaceID ) or Apple Watch. The confirmation takes place by means of a cryptogram in which, among other things, a unique Card Validation Code (CVC), the amount, the seller and the authentication of the Apple Pay user on his specific device are stored in coded form. The structure of the cryptogram has not been published and therefore the completeness of this information cannot be checked. The cryptogram is forwarded to the banking network via the seller and the payment is made.

During the entire transmission, neither the credit card number nor any other sensitive data is transmitted, with the exception of the address (if postage is desired). In particular, the seller never receives the customer's actual credit card details, only the device account number and confirmation from the bank that this is linked to a valid card. The Device Account Number is only useful with a valid cryptogram and can only be used for transactions using a single specific Apple device. According to Apple, the card data required for Apple Pay is neither stored on the device nor on Apple's servers. The actual card number is therefore no longer visible to any of the parties involved in a transaction.

With the help of apps from various financial service providers, e.g. B. boon. and Bunq , it is possible to create a virtual debit card that can be topped up by a transfer and then integrated into the Apple Wallet so that Apple Pay services can be used without a physical credit card. In contrast to many free account offers, this incurs costs of up to 100 EUR per year.

Introduction and dissemination

Apple Pay Worldwide Availability: Available (59 Countries) , Announced (5 Countries)

The company said in November 2015 that the service would be offered in over one million U.S. stores. At the time of its introduction in Switzerland in July 2016, around 70% of payment terminals supported Apple Pay.

In Germany, Apple Pay was officially launched on December 11, 2018. However, owners of a supported card from a country in which Apple Pay was already available could previously use it at all POS terminals that accepted the card without contact .

Apple Pay availability
date country
20th October 2014 United StatesUnited States United States
July 14, 2015 United KingdomUnited Kingdom United Kingdom
17th November 2015 CanadaCanada Canada
19th November 2015 AustraliaAustralia Australia
February 18, 2016 China People's RepublicPeople's Republic of China People's Republic of China
April 19, 2016 SingaporeSingapore Singapore
0July 7, 2016 SwitzerlandSwitzerland Switzerland
19th July 2016 FranceFrance France
MonacoMonaco Monaco
20th July 2016 Hong KongHong Kong Hong Kong
04th October 2016 RussiaRussia Russia
October 13, 2016 New ZealandNew Zealand New Zealand
October 25, 2016 JapanJapan Japan
0December 1, 2016 SpainSpain Spain
0March 7, 2017 IrelandIreland Ireland
guernseyguernsey guernsey
Isle of ManIsle of Man Isle of Man
jerseyjersey jersey
29th March 2017 TaiwanRepublic of China (Taiwan) Taiwan
17th May 2017 ItalyItaly Italy
San MarinoSan Marino San Marino
Vatican cityVatican Vatican city
October 24, 2017 DenmarkDenmark Denmark
FinlandFinland Finland
SwedenSweden Sweden
United Arab EmiratesUnited Arab Emirates United Arab Emirates
GreenlandGreenland Greenland
04th April 2018 BrazilBrazil Brazil
17th May 2018 UkraineUkraine Ukraine
19th June 2018 PolandPoland Poland
20th June 2018 NorwayNorway Norway
November 28, 2018 KazakhstanKazakhstan Kazakhstan
BelgiumBelgium Belgium
December 11, 2018 GermanyGermany Germany
19th February 2019 Czech RepublicCzech Republic Czech Republic
Saudi ArabiaSaudi Arabia Saudi Arabia
April 24, 2019 AustriaAustria Austria
0May 8, 2019 IcelandIceland Iceland
May 21, 2019 LuxembourgLuxembourg Luxembourg
HungaryHungary Hungary
June 11, 2019 NetherlandsNetherlands Netherlands
June 26, 2019 SlovakiaSlovakia Slovakia
EstoniaEstonia Estonia
GreeceGreece Greece
PortugalPortugal Portugal
SloveniaSlovenia Slovenia
Cyprus RepublicRepublic of Cyprus Cyprus
LatviaLatvia Latvia
LithuaniaLithuania Lithuania
RomaniaRomania Romania
MaltaMalta Malta
LiechtensteinLiechtenstein Liechtenstein
CroatiaCroatia Croatia
BulgariaBulgaria Bulgaria
02nd July 2019 FaroeseFaroe Islands Faroe Islands
0August 6, 2019 MacauMacau Macau
03rd September 2019 GeorgiaGeorgia Georgia
19th November 2019 BelarusBelarus Belarus
January 28, 2020 MontenegroMontenegro Montenegro
June 30, 2020 SerbiaSerbia Serbia

Germany

Apple Pay was launched in Germany in December 2018: American Express , Bunq , Comdirect Bank , Deutsche Bank , Edenred , Fidor Bank and o2 Banking , Hanseatic Bank , N26 , Unicredit Bank , VIMpay and Wirecard . The Consorsbank gave Apple Pay in April 2019 free, as are the banks Cross Card, Fleet Money and Viabuy. Revolut followed in May 2019, Deutsche Kreditbank in June 2019, ING-DiBa in October 2019 and Commerzbank , Norisbank , Openbank and 371 of 379 savings banks in December 2019.

On August 25, 2020, Apple started to support the Girocard through Apple Pay in cooperation with the savings banks . At the start, there is currently the following restriction: Apple Pay with a Girocard can only be used locally at the point of sale . The Girocard cannot be used online in the Safari web browser or via apps in iOS or iPadOS . According to the German Savings Banks and Giro Association , these missing functions should also be available in early 2021.

The following banks are available in Germany (as of June 12, 2020):

  • alliance
  • American Express
  • Barclay Card
  • BBBank
  • boon.
  • bunq
  • BW bank
  • comdirect
  • Commerzbank AG
  • Consors Bank
  • Consors Finance
  • Crosscard
  • German pharmacist and doctor bank
  • Deutsche Bank
  • Deutsche Kreditbank AG (Visa credit cards, Lufthansa Miles & More credit card)
  • fidor BANK
  • Fleetmoney
  • GLS Bank
  • Hanseatic Bank
  • HypoVereinsbank / UniCredit Bank AG
  • ING
  • Klarna
  • Monese
  • N26
  • Netbank
  • Norisbank
  • o2 banking
  • Openbank
  • PSD bank
  • Revolut
  • Savings banks (not all)
  • Sparda-Bank Berlin eG
  • Sparda-Bank Hannover eG
  • Sparda-Bank Südwest eG
  • Edenred restaurant ticket
  • Triodos Bank
  • Viabuy
  • VIMpay
  • Volks- and Raiffeisenbanken

Austria

As of February 10, 2020, the following banks are available in Austria:

  • Bank Austria
  • Boon.
  • Curve
  • Dadat / Schelhammer
  • Edenred
  • Erste Bank and Sparkasse
  • Hypo Noe
  • Hypo Tirol
  • Hypo Vorarlberg
  • Monese
  • N26
  • Austrian Doctors and Pharmacists Bank
  • Raiffeisen
  • Revolut
  • Sparda Bank
  • VIMpay
  • Volksbank
  • iCard

Switzerland

As of August 24, 2020, the following providers are available in Switzerland:

  • Aargau Cantonal Bank
  • acrevis Bank (credit cards)
  • AEK BANK 1826 cooperative
  • Alpha RHEINTAL Bank (credit cards)
  • Alternative Bank Schweiz AG
  • Appenzeller Kantonalbank
  • Banca Credinvest SA (credit cards)
  • Banca dello Stato del Cantone Ticino
  • Bank BSU
  • Bank Cler AG
  • Bank EEK AG
  • Bank in Zuzwil
  • Bank J. Safra Sarasin (credit cards)
  • Bank Leerau Cooperative
  • Bank of America
  • Bank SLM AG
  • Bank Thalwil Cooperative (credit cards)
  • Bank Zimmerberg AG
  • Banque Cantonale de Friborg (credit cards)
  • Banque Cantonale de Genève
  • Banque Cantonale du Jura
  • Banque Cantonale du Valais
  • Banque Cantonale Neuchâteloise (credit cards)
  • Banque du Léman SA (credit cards)
  • Basellandschaftliche Kantonalbank
  • Basler Kantonalbank
  • BBO Bank Brienz Oberhasli AG
  • Berner Kantonalbank
  • Bernerland Bank AG
  • Bonus Card (Visa credit and prepaid cards)
  • boon. by Wirecard
  • CIM Banque
  • Caisse d'Epargne Courtelary
  • Caisse d'Epargne de Cossonay
  • Cembra
  • Clientis Bank Aareland
  • Clientis Bank in Thal
  • Clientis Bank Oberaargau AG
  • Clientis Bank Thur Cooperative
  • Clientis Bank Toggenburg
  • Clientis Biene - Bank in the Rhine Valley
  • Clientis BS Bank Schaffhausen
  • Clientis EB Entlebucher Bank AG
  • Clientis Spar- und Leihkasse Thayngen
  • Clientis Sparcassa 1816
  • Clientis Sparkasse Oftringen Cooperative
  • Clientis Sparkasse Sense
  • Clientis Zurich Regional Bank Cooperative
  • Cornèrcard (credit and prepaid cards from Mastercard and Visa)
  • Credit Mutuel de la Vallee
  • Credit Suisse
  • Savings Fund Affoltern i. E. AG
  • Savings Bank Rüeggisberg Cooperative (credit cards)
  • Schaffhausen savings fund
  • Glarner Kantonalbank
  • Graubündner Kantonalbank
  • GRB Glarner Regional Bank Cooperative
  • Mortgage bank Lenzburg
  • iCard
  • Stammheim loan office
  • Lienhardt & Partner Privatbank Zürich AG
  • Luzerner Kantonalbank AG
  • Migros Bank AG
  • Monese
  • N26
  • Nidwaldner Kantonalbank
  • NPB New Private Bank (Credit Cards)
  • Obwaldner Kantonalbank
  • Regiobank Männedorf AG
  • Regiobank Solothurn
  • Revolut
  • Rothschild & Co Bank AG
  • SB Saanen Bank AG
  • Schaffhauser Kantonalbank (credit cards)
  • Schwyzer Kantonalbank
  • Spar + Leihkasse Gürbetal AG
  • Spar- und Leihkasse Bucheggberg (credit cards)
  • Spar- und Leihkasse Frutigen AG
  • Spar- und Leihkasse Riggisberg
  • Sparkasse Schwyz AG
  • St.Galler Kantonalbank (credit cards)
  • Swiss Bankers (prepaid cards from Mastercard)
  • Swisscard (credit cards from American Express, Cashback, mydrive, Pointup, SWISS Miles & More, Neutral Mastercard credit cards, wow Visa prepaid card)
  • Thurgauer Kantonalbank
  • TransferWise
  • Urner Kantonalbank
  • Valiant Bank
  • Viseca
  • Zuger Kantonalbank
  • Zürcher Kantonalbank (credit cards)
  • Zürcher Landbank AG

For a long time, Swiss banks preferred to use the Swiss payment solution Twint . After an intervention by the competition commission, Apple agreed to prevent the automatic activation of Apple Pay during the Twint payment process. In October 2016, Bank Linth was the first regional bank in Switzerland to start payment using Apple Pay in cooperation with Cornèr Bank . In contrast to Credit Suisse and UBS , PostFinance continues to rely on its own mobile payment solution.

See also

Web links

Individual evidence

  1. ↑ Apple Pay: Participating Banks in Europe and the Middle East. Retrieved March 25, 2020 .
  2. ↑ Use Apple Pay in stores, in apps, and on the web . In: Apple Support . ( apple.com [accessed June 24, 2018]).
  3. ↑ Use Apple Pay in stores, in apps, and on the web . In: Apple Support . ( apple.com [accessed June 24, 2018]).
  4. ↑ Apple Pay expected to go live in the UK on July 14th . 9to5Mac. July 4, 2015. Retrieved August 27, 2015.
  5. ↑ Apple Pay: Germany is included with immediate effect - further banks announced. Retrieved December 27, 2018 .
  6. ↑ Apple Pay - Everything you need to know about it . bluemind.tv. Retrieved September 11, 2014.
  7. ↑ Apple Pay , accessed January 7, 2015
  8. ↑ Yoni Heisler: Apple Pay: An in-depth look at what's behind the secure payment system , The Unofficial Apple Weblog, October 2, 2014, accessed on January 7, 2015
  9. ↑ Apple Pay security and privacy overview . Apple, accessed October 8, 2014
  10. ↑ iOS Security ( Memento from October 12, 2014 in the Internet Archive ). Apple, accessed October 8, 2014
  11. ↑ Use Apple Pay without a credit card & bank: Here's how! In: finanzvergleich.com. Retrieved November 13, 2019 .
  12. ↑ Apple Pay is accepted in over a million stores. And counting. . Retrieved November 14, 2015. 
  13. ↑ Henning Steier: Apple Pay starts in Switzerland. In: nzz.ch. July 7, 2016, accessed October 14, 2018 .
  14. ↑ Apple Pay starts in Germany. In: faz.net. December 11, 2018, accessed December 11, 2018 .
  15. ↑ Offer Apple Pay as a payment method in-store . In: Apple Support . ( apple.com [accessed October 22, 2017]).
  16. ↑ Countries where Apple Pay is available - Apple.com. Accessed February 10, 2020 (Austrian German).
  17. ↑ Macerkopf.de: Apple Pay in Germany: Fleetmoney and Crosscard on board too. April 9, 2019, accessed October 22, 2019 .
  18. ↑ iphone-ticker.de: Consors Finanz and Viabuy offer Apple Pay in Germany. April 2, 2019. Retrieved October 22, 2019 .
  19. ↑ Revolut: Apple Pay finally activated - also in Switzerland and Germany. In: Techgarage. May 29, 2019, accessed on May 30, 2019 (Swiss Standard German).
  20. ↑ As of now: Apple Pay now at ING (Diba). Retrieved October 15, 2019 .
  21. ↑ Apple Pay. Accessed December 10, 2019 (German).
  22. ↑ iphone-ticker.de: Apple Pay with Sparkasse card starts in Germany. August 25, 2020, accessed August 26, 2020 .
  23. ↑ Deutscher Sparkassen- und Giroverband eV: Sparkassen are the first nationwide financial service provider to integrate the girocard in Apple Pay. August 25, 2020, accessed August 26, 2020 .
  24. ↑ a b c Apple Pay: Participating Banks in Europe and the Middle East. In: Apple. Retrieved December 10, 2019 .
  25. ↑ Apple Pay. In: BBBank. Retrieved April 24, 2020 .
  26. ↑ Apple Pay launched at Raiffeisen and Bank Austria - derStandard.at. Retrieved December 13, 2019 (Austrian German).
  27. ↑ Apple Pay: Participating Banks in Europe and the Middle East. Retrieved March 25, 2020 .
  28. ↑ Patrik Berger: Twint gets the same rights as Apple Pay. In: blick.ch . December 18, 2018, accessed December 18, 2018 .
  29. ↑ Beat for Twint: Bank Linth starts with Apple Pay. In: handelszeitung.ch . October 18, 2016, accessed September 22, 2019 .
  30. ↑ Lukas Hässig: UBS with Apple Pay - Game Over for Twint? In: insideparadeplatz.ch. August 24, 2020, accessed on August 24, 2020 .