Apple Pay, that system that we talk about almost weekly, but that users in Spain can only smell it, nothing to taste it. Its expansion as a trickle continues, in fact months ago we received rumors about its expansion in France and Spain, but not even that, it seems that Apple is little or nothing interested in the market for contactless payments beyond the United States of America , Canada, United Kingdom and Australia. We do not know why the slow expansion of Apple Pay in Europe, but what we do know is that Twenty new credit institutions have joined Apple's mobile payments platform.
Although perhaps the novelty is an exclusive service for the United Kingdom, now "Boon" is available on Apple Pay, a system of prepaid cards based on the MasterCard platform and which have become quite popular. They have been launched today, so all English who have these cards will be able to link them to Apple Pay and pay with the NFC chip.
These are the new credit institutions adhering to Apple Pay:
- Arsenal Credit Union
- Bank Midwest
- Bank of Canton
- Bank SNB
- Bankers' Bank
- Bremer Bank NA
- Bruning state bank
- Citizens Bank of Cumberland County
- Fairfield County Bank
- Family Horizons Credit Union
- Firefighters First Credit Union
- First National Bank Arcadia
- First National Bank in Staunton
- Fort Sill Federal Credit Union
- Hawaii USA Federal Credit Union
- IAA Credit Union
- Moody's National Bank
- North East Texas Credit Union
- Northbrook Bank & Trust Company
- Northern United Federal Credit Union
- Peoples State Bank of Munising
- Redwood Capital Bank
- Rogue Credit Union
- Sierra Central Credit Union
- TriStar Bank
- Vermillion Bank
Meanwhile, we are still waiting for a system that was published a year and a half ago, a way of two, and that is compatible with almost any iOS device that we find, but despite all this, we cannot use it.
What I don't understand is why it hasn't arrived in Spain yet….
What% does Apple charge for each payment? Who pays for this? Client? Trade? Visa and MasterCard? Banks? Whoever it is, why should you pay for it?
In the United States, Apple takes 0,15% of the total transaction. Not bad after having included the NFC chip and the platform through which you pay. Much more than what VISA does for example.
It is paid by the bank or the card company that provides the service. In short, about 15cnt per € 100, it doesn't seem like too much to me either, they charge you 5cnt for a plastic bag in the purchase. And these rates already exist that is why many companies do not accept card payments below certain amounts, because it does not rent them to use the dataphone (they are charged for it).