Apple Pay turns 10, Klarna offers payment on account
Apple's popular payment service celebrates a milestone anniversary on Sunday. At the same time, the service provider Klarna is offering a new financing method.
Pay with Apple Pay: Works on iPhone, iPad, Apple Watch and Mac.
(Image: Kaspars Grinvalds / Shutterstock.com)
On October 20, i.e. next Sunday, there will be something to celebrate in Apple's services department: Apple Pay will then have been available for a total of ten years. The contactless payment service was first introduced in the USA in 2014 and then came to Germany four years later. It allows you to store credit cards such as Visa, Mastercard or American Express, which you can then use to make mobile payments via iPhone or Apple Watch at NFC checkouts and on the web on iPad and Mac. Initially not available at all banks, those that do not support Apple Pay are now in the minority. However, this could change in the future, as Apple will soon have to open up the iPhone payment interface to third parties because the EU Commission is forcing the company to do so. It could therefore happen that you will soon be able to pay at Sparkasse & Co. with their apps and no longer with the central Apple Wallet app.
Apple Pay still doesn't have all the features
What's more, Apple Pay is still not complete in the European Union. Apple has apparently still not exported popular features that have been available in the USA for years due to a lack of banking partners. These include the Apple Savings Account, the customer-friendly Apple credit card Apple Card and the peer-to-peer payment service Apple Cash. At least Apple created the option for smaller companies to accept contactless payments with the iPhone in the summer with Tap to Pay. However, this requires contracts with payment providers such as Square.
The manager responsible for Apple Pay, Jennifer Bailey, said in a letter to her colleagues and customers that ten years ago they saw a "unique opportunity" to use Apple's hardware and software to have a "positive impact on the financial health and lives of our customers". The vision has always been a world where you can pay for anything with your iPhone, anywhere in the world. Apple Pay is now available in 78 markets and is used by hundreds of millions of customers. Apple now has more than 11,000 banking and network partners, according to Bailey. She cited the use of her iPhone in Tokyo's public transportation system as one of her first experiences.
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New services from Klarna and PayPal
To coincide with the anniversary, Apple and its partner Klarna announced a new flexible "pay by invoice" service for Apple Pay. In the future, it will be possible to arrange installment payments directly for online purchases with Apple Pay as well as within apps on the iPhone and iPad. In the USA, the PayPal debit card now also shows the current account balance in Apple Wallet.
Apple has also introduced a function that will allow Apple Pay to be used in third-party browsers outside of Safari as well as Windows PCs, but this requires an iPhone or iPad with which a code can be scanned. Apple Wallet will also soon make it possible to store keys for rental cars, Bailey told US media.
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