Chapter in this post:
I went to my iPhone this morning with joy and grabbed the credit card to finally be able to try Apple Pay (here are instructions on how to set it up). Unfortunately, the iPhone scanned my Sparkassen MasterCard and also accepted the CVC / CVV code, but then - after checking the data with the bank - I was informed that this credit institution or credit card unfortunately does not support Apple Pay. Disappointment spread ...
According to Sparkasse, the reason why the Sparkasse cannot or does not want to participate in Apple Pay is the fact that Apple does not want to open its NFC solution to other providers. They have a corresponding press release published here. The Sparkasse virtually envisions that they can use the technical side of Apple Watch and iPhone to process their own payments without Apple having a hand in the payments. Quasi girocard-Sparkasse-Pay via iPhone and Apple Watch.
Apple refuses, however, because they have of course put a lot of brains and money into the development of Apple Pay and "circumnavigating" Apple Pay would mean that Apple would not get any of the pie. Apple currently earns a small percentage of every payment made through Apple Pay.
A second reason why Apple does not want to open the NFC interface or to rely on existing standards is the fact that they simply wanted to "reinvent" things with Apple Pay. When Apple tackles something, the user friendliness and the security of the previous solutions are usually questioned and optimized.
With Apple Pay with NFC, for example, there are things that are so practical that paying even works when the iPhone or Apple Watch runs out of power. In order to make this payment option secure even without an activated smartphone, a new NFC chip had to be developed, which is of course not an open standard, but an Apple solution.
I can understand that the Sparkasse is trying desperately to push its "girocard" and sees Apple Pay as serious competition for this service. But sometimes you should maybe listen to the customers. And they were no longer in a good mood when Google Pay was launched, because the Sparkasse also stood up against it here. Now that they also want to sit out Apple Pay, one really has to doubt the entrepreneurial ability of the upper floor.
How can you as a credit institute overlook the strong acceptance that mobile payment has among customers? Paying with cards was a step in the right direction, but in the end we all have smartphones and smartwatches with us - of course, we want to pay with it too, if it is technically possible.
Dear Sparkasse ... I've been your customer for decades. The account management fees didn't move me to change my bank, but if you can't get it done with Apple Pay, I can't guarantee anything!
Jens has been running the blog since 2012. He appears as Sir Apfelot for his readers and helps them with problems of a technical nature. In his free time he drives electric unicycles, takes photos (preferably with his iPhone, of course), climbs around in the Hessian mountains or hikes with the family. His articles deal with Apple products, news from the world of drones or solutions for current bugs.