On July 13, teams of Apple and their banking partners were finalizing the launch of media device with great fanfare in France of the mobile payment solution, with demonstrations planned in eastern Paris and a conference release in stride on 18 July. But the attack that struck Nice in full national holiday cut short these festive projects. Finally, Apple will pay a discreet entrance in France Tuesday, through releases partners of Cupertino.
Banks are, in fact, not many in relation to the launch of the payment solution there is a year in the UK. Most UK institutions had participated then. The number of eligible residents in France from Tuesday evolve between 1 and 2 million just because only clients d’Epargne and Banques Populaires Caisses (BPCE group), holders of a Visa card, and those of Crossroads Bank will be able to pay their purchases in stores with Apple Pay. Their number is more limited than the chosen ones must have a iPhone6, 6s or SE, or semi Apple Watch a iPhone5 or later model. Apple Pay will also be used online, in apps traders provided you have a recent iPad (Pro, Air 2, 4 mini or mini 3).
Apart BPCE, none of the major French banks only agreed commercial terms with Apple to distribute its payment solution. The group would reserve a fixed commission of about 5 cents per transaction with a debit card, or half of the remuneration that the client’s bank receives an average card transaction of 50 euros, and the lion’s share for small purchases. BPCE may nevertheless hope to benefit from its pioneering status in France to attract new customers, as the Australian bank ANZ would have recorded a significant increase in account opening applications offering apple pay in April, while its competitors Apple refused the conditions. The Caisses d’Epargne and Banques Populaires also provide for “welcome packs” to attract these potential customers. The launch of Apple Pay also assures them that it is their cards and their brand to be used by their customers in the digital world.
Paylib, competing
Faced with the first steps Apple Pay in the UK, which they deem limited success, other banks, however, fear no systemic movement. They even feel they still have time to negotiate with Apple. Especially since the majority chose, if negotiations are successful, to favor the rails of GIE Bank and French Stet processor cards rather than Visa and MasterCard to process transactions of their customers who would use Apple Pay. Now this infrastructure will be finalized this fall for a full-scale production start in January 2017.
In the meantime, the French banks believe they have a key role to play with Paylib. This online payment solution launched there nearly three years and proposed five institutions (BNP Paribas, Société Générale, Banque Postale, Crédit Agricole and Crédit Mutuel Arkéa) covering two in three French, will indeed incorporate into coming months mobile payment offering contactless store. And whatever mobile. Paylib would also be in talks to join the Crédit Mutuel-CIC. “ Apple plays a tough game in France ,” wants to believe a banker. The coming months promise to be in any case interesting.
Note
Samsung Pay is currently being approved by the regulator. The option to use the reading of the magnetic track to validate a mobile payment was rejected by the Bank of France but the “wallet” could be launched in early 2017.
N. Re, Les Echos
In practice
The customer adds in the app preinstalled its Wallet credit card in the photographing. His bank authenticates via SMS by sending a code to inform in the app.
In store, the customer approach iPhone payment terminal contactless placing his finger on the biometric sensor of the mobile.
in the apps, it selects apple pay then validates his purchase by placing his finger on the sensor.
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