Apple Pay has been officially launched in Spain, with Apple developing partnerships with Banco Santander, payment giants American Express and Mastercard, retailer Carrefour and prepaid meal payment service Ticket Restaurant. Spain becomes the thirteenth country where the mobile payments service has been made available
Mastercard is working with several partners in Spain, including Banco Santander as the first bank, Carrefour as the first retailer and Ticket Restaurant as the first prepaid company to join this launch offering consumers the ability to use their Mastercard cards with Apple Pay.
Customers of Banco Santander were able to make host card emulation (HCE) based mobile payments using their NFC devices and the Santander Wallet mobile app in April.
For consumers and merchants alike, every purchase made using a Mastercard with Apple Pay will offer the security, benefits and guarantees of any Mastercard transaction. Moreover, Mastercard aims to remove friction from payments while offering a great level of convenience to consumers using their cards digitally with Apple Pay.
“Apple Pay and the Mastercard Digital Enablement Service (MDES) give consumers a simple, convenient and secure way to shop,” said Ovidio Egido, General Manager at Mastercard in Spain. “Mastercard was first in the world to offer contactless and mobile payment solutions to consumers and in Spain we have seen contactless transactions increase by 145% from Q3 2015 to Q3 2016. We are very pleased that Mastercard cardholders will be able to make easy and private payments with Apple Pay in Spain, with the assurance that every purchase is secure and they will receive the same guarantees and benefits they expect from their Mastercard.”
„When you use a Mastercard credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, thanks in part to Mastercard Digital Enablement Service (MDES), a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code.”, according to the press release.
Apple Pay is easy to set up and users will continue to receive all of the rewards and beneﬁts offered by credit and debit cards. In stores, Apple Pay works with iPhone SE, iPhone 6 and later, and Apple Watch.
Online shopping in apps and on websites accepting Apple Pay is as simple as the touch of a finger with Touch ID, so there’s no need to manually fill out lengthy account forms or repeatedly type in shipping and billing information. When paying for goods and services on the go in apps or Safari, Apple Pay works with iPhone 6 and later, iPhone SE, iPad Pro, iPad Air 2, and iPad mini 3 and later. You can also use Apple Pay in Safari on any Mac introduced in or after 2012 running macOS Sierra and confirm the payment with iPhone 6 or later or Apple Watch, or with Touch ID on the new MacBook Pro.
„Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”