Apple Pay debuts in Norway for Santander and Nordea customers

Comments

• Reply 1 of 15

  [Deleted User] Posts: 0

  June 20, 2018 11:19AM

  Germany......
• Reply 2 of 15

  macxpress Posts: 5,808member

  June 20, 2018 12:35PM

  pakitt said:

  Germany......

  I wonder what the hold up is with Germany? 

  
• Reply 3 of 15

  adbe Posts: 29member

  June 20, 2018 1:29PM

  I wish they'd hurry up and start turning on Apple Pay Cash outside of the US.  Having to resort to PayPal for overseas petty transfers is annoying.

  
• Reply 4 of 15

  Soli Posts: 10,035member

  June 20, 2018 1:40PM

  adbe said:

  I wish they'd hurry up and start turning on Apple Pay Cash outside of the US.  Having to resort to PayPal for overseas petty transfers is annoying.

  I expect it will be faster than the Apple Pay rollout because the infrastructure is already setup, but I suspect it will also be slower than people expect.

  
• Reply 5 of 15

  SendMcjak Posts: 66unconfirmed, member

  June 20, 2018 2:26PM

  It blows my simple mind that Apple Pay hasn't even arrived places yet... 

  
• Reply 6 of 15

  ascii Posts: 5,936member

  June 20, 2018 2:32PM

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?
• Reply 7 of 15

  Soli Posts: 10,035member

  June 20, 2018 2:39PM

  SendMcjak said:

  It blows my simple mind that Apple Pay hasn't even arrived places yet... 

  It might a simple solution on paper, but it requires a lot of work to implement. You have legal hurdles for each country, plus negotiations with each financial institution, and then the bank-side system that will verify a user's a card for a device, give it a randomized 16-digit token and encapsulate in a cryptogram that is stored on the user's device.
  
  For example, HSBC is a multinational bank. They've had Apple Pay in the US for years and have added Apple Pay for other countries as soon as Apple offered it those countries, but there are still plenty of other countries with HSBC that don't yet support Apple Pay.
  
  Personally, I think the rollout great. Do I want it to go faster? Sure, but I also want a lot of things that aren't necessarily realistic.

  
• Reply 8 of 15

  Soli Posts: 10,035member

  June 20, 2018 2:42PM

  ascii said:

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?

  When you setup Apple Pay for a card on your iPhone, if it's accepted by your bank and verified by your device it should work anywhere that an NFC-based payment is accepted, regardless of whether it's an AMEX, VISA, or MC. It's why people in countries that still have no banks supporting Apple Pay have said they've been using Apple Pay in that country for years… they using a card from a country whose bank does support it.

  edited June 2018
• Reply 9 of 15

  guiguihip Posts: 29member

  June 20, 2018 2:51PM

  macxpress said:

  pakitt said:

  Germany......

  I wonder what the hold up is with Germany? 

  The hold up is the simple fact that Germany is too much of a cash based country. Not enough card transactions. Other countries are way ahead in this field. As a consequence, to Apple, those countries appear as more interesting places to implement Apple Pay.

  
• Reply 10 of 15

  ascii Posts: 5,936member

  June 20, 2018 2:52PM

  Soli said:

  ascii said:

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?

  When you setup Apple Pay for a card on your iPhone, if it's accepted by your bank and verified by your device it should work anywhere that an NFC-based payment is accepted, regardless of whether it's an AMEX, VISA, or MC. It's why people in countries that still have no banks supporting Apple Pay have said they've been using Apple Pay in that country for years… they using a card from a country whose bank does support it.

  Ok. But I think the difference between Amex and Visa/Mastercard is that Visa and Mastercard are only issued by banks, so the bank in question must support Apple Pay for it to work with that card. Whereas American Express is unique is that some of their cards are issued by banks and some are issued directly by American Express themselves, with American Express providing the credit line and no bank being involved.

  
  

  I know that in Australia, before any local bank supported Apple Pay (they all do now) I was able to register my Amex-issued Amex on my iPhone and start using it (causing much cashier surprise).

  
  

  
• Reply 11 of 15

  Soli Posts: 10,035member

  June 20, 2018 2:56PM

  ascii said:

  Soli said:

  ascii said:

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?

  When you setup Apple Pay for a card on your iPhone, if it's accepted by your bank and verified by your device it should work anywhere that an NFC-based payment is accepted, regardless of whether it's an AMEX, VISA, or MC. It's why people in countries that still have no banks supporting Apple Pay have said they've been using Apple Pay in that country for years… they using a card from a country whose bank does support it.

  Ok. But I think the difference between Amex and Visa/Mastercard is that Visa and Mastercard are only issued by banks, so the bank in question must support Apple Pay for it to work with that card. Whereas American Express is unique is that some of their cards are issued by banks and some are issued directly by American Express themselves, with American Express providing the credit line and no bank being involved.

  
  

  I know that in Australia, before any local bank supported Apple Pay (they all do now) I was able to register my Amex-issued Amex on my iPhone and start using it (causing much cashier surprise).

  
  

   AMEX is a multinational financial institution. For all intents and purposes it is a bank when it's the one that is issuing the card number, verifying the user's physical card and issuing a tokenized card number and cryptogram for that card on that device for Apple Pay, Android Pay, Samsung Pay, etc.

  edited June 2018
• Reply 12 of 15

  ascii Posts: 5,936member

  June 20, 2018 2:59PM

  Soli said:

  ascii said:

  Soli said:

  ascii said:

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?

  When you setup Apple Pay for a card on your iPhone, if it's accepted by your bank and verified by your device it should work anywhere that an NFC-based payment is accepted, regardless of whether it's an AMEX, VISA, or MC. It's why people in countries that still have no banks supporting Apple Pay have said they've been using Apple Pay in that country for years… they using a card from a country whose bank does support it.

  Ok. But I think the difference between Amex and Visa/Mastercard is that Visa and Mastercard are only issued by banks, so the bank in question must support Apple Pay for it to work with that card. Whereas American Express is unique is that some of their cards are issued by banks and some are issued directly by American Express themselves, with American Express providing the credit line and no bank being involved.

  
  

  I know that in Australia, before any local bank supported Apple Pay (they all do now) I was able to register my Amex-issued Amex on my iPhone and start using it (causing much cashier surprise).

  
  

   AMEX is a multinational financial institution. For all intents and purposes it is a bank when it's the one that is issuing the card number, verifying the user's physical card and issuing a tokenized card number and cryptogram for that card on that device for Apple Pay, Android Pay, Samsung Pay, etc.

  Right, so I just wonder if Apple Pay is in some sense already global. For example the person above who wanted it in Germany, he doesn't have to wait for his local banks, just get an Amex-Amex and he is off to the races.
• Reply 13 of 15

  Soli Posts: 10,035member

  June 20, 2018 3:05PM

  ascii said:

  Soli said:

  ascii said:

  Soli said:

  ascii said:

  Isn't it the case that you can use Apple Pay anywhere as long as you use an Amex-issued Amex (as opposed to a bank issued one)?

  When you setup Apple Pay for a card on your iPhone, if it's accepted by your bank and verified by your device it should work anywhere that an NFC-based payment is accepted, regardless of whether it's an AMEX, VISA, or MC. It's why people in countries that still have no banks supporting Apple Pay have said they've been using Apple Pay in that country for years… they using a card from a country whose bank does support it.

  Ok. But I think the difference between Amex and Visa/Mastercard is that Visa and Mastercard are only issued by banks, so the bank in question must support Apple Pay for it to work with that card. Whereas American Express is unique is that some of their cards are issued by banks and some are issued directly by American Express themselves, with American Express providing the credit line and no bank being involved.

  
  

  I know that in Australia, before any local bank supported Apple Pay (they all do now) I was able to register my Amex-issued Amex on my iPhone and start using it (causing much cashier surprise).

  
  

   AMEX is a multinational financial institution. For all intents and purposes it is a bank when it's the one that is issuing the card number, verifying the user's physical card and issuing a tokenized card number and cryptogram for that card on that device for Apple Pay, Android Pay, Samsung Pay, etc.

  Right, so I just wonder if Apple Pay is in some sense already global. For example the person above who wanted it in Germany, he doesn't have to wait for his local banks, just get an Amex-Amex and he is off to the races.

  It's global in the sense that any place that accepts NFC-based payments should accept *Pay if you've been able to authenticate a card onto a device. Remember that AMEX is headquartered in the US.
  
  I wouldn't call it global if not all counties with the infrastructure, or major banks, or the majority of terminals (or ATMs) aren't accepting *Pay. Personally, I think we're still a couple years away from a tipping point in the US where I'll be able to leave all my cards behind and know that I can use my Watch for payments as needed. It's getting close, since even going to the farmer's market—where I expect to need cash for at least another decade—I can just hit an ATM using Apple Pay on my Watch.
  
  It's pretty good for me now. Most of the places I frequent support *Pay, but there's still more retailers and awarenesses that needs to come before I feel that tipping point to leave my physical cards behind becomes a reality for my average day. It's why I've ordered those free ApplePay stickers from Apple which I'll give to retailers or put up myself so that user awareness can help grow this service I want to see be as common as any place that takes cards.

  edited June 2018
• Reply 14 of 15

  melotron Posts: 12member

  June 20, 2018 5:35PM

  DNB is the by far the biggest bank in Norway. They have declined a deal with Apple on Apple Pay. DNB developed their own solution called VIPPS, that lets you transfer money to your friends, pay in shops and now you can also pay your bills in this app.
  VIPPS is now a separate company owned by several banks in Norway, and there is a lot of comments about the banks protecting VIPPS by not supporting Apple Pay.
  A lot of DNB customers have turned to DNBs facebook page and are now demanding that the bank supports Apple Pay.

  
• Reply 15 of 15

  Soli Posts: 10,035member

  June 20, 2018 5:41PM

  melotron said:

  DNB is the by far the biggest bank in Norway. They have declined a deal with Apple on Apple Pay. DNB developed their own solution called VIPPS, that lets you transfer money to your friends, pay in shops and now you can also pay your bills in this app.
  VIPPS is now a separate company owned by several banks in Norway, and there is a lot of comments about the banks protecting VIPPS by not supporting Apple Pay.
  A lot of DNB customers have turned to DNBs facebook page and are now demanding that the bank supports Apple Pay.

  I'd say it's like what Walmart is trying to do in the US and CVS is now trying to do with their creatively named CVS Pay, which is a barcode based solution where you give them your CC/Debit card to store in their mobile app, but it's more analogous with the MCX service that CVS and many others used previously, which was an abject failure.
  
  I assume being available to all major banks in Norway means that it has chances of being more successful than MCX in the US, but I still think that Apple Pay (Android Pay, Samsung Pay, etc.) will still win out in the end.