{"id":54183,"date":"2025-05-05T22:16:26","date_gmt":"2025-05-05T20:16:26","guid":{"rendered":"https:\/\/www.apfelpatient.de\/?p=54183"},"modified":"2025-05-05T22:17:24","modified_gmt":"2025-05-05T20:17:24","slug":"paypal-launches-contactless-iphone-payments-in-germany","status":"publish","type":"post","link":"https:\/\/www.apfelpatient.de\/en\/news\/paypal-startet-kontaktlose-iphone-zahlung-in-deutschland","title":{"rendered":"PayPal launches contactless iPhone payments in Germany"},"content":{"rendered":"

In Germany, you'll soon be able to make contactless payments with your iPhone via PayPal \u2013 without using Apple Pay. This is new and has become possible because Apple had to grant access to the NFC chip on its devices. PayPal is taking advantage of this immediately and is bringing its own tap-to-pay feature to the iPhone app. Germany is the first market to roll this out.<\/strong><\/p>\n\n\n\n

Contactless payments with smartphones have long been commonplace, but until now, you've relied on Apple Pay if you use an iPhone. The NFC chip required for these payments was blocked from third-party providers. Now, a new European law is taking effect that requires Apple to open NFC access to other payment services. PayPal is one of the first providers to take advantage of this and launch its own solution \u2013 directly via the PayPal app, without the need for Apple Pay or Apple Wallet.<\/p>\n\n\n\n

NFC payment via PayPal instead of Apple Pay<\/h4>\n\n\n\n

With the new feature, you can make contactless payments anywhere Mastercard payments are accepted. The only requirement is that you have the latest version of the PayPal app installed on your iPhone. Once you've done that, you can set PayPal as your default app for contactless payments. This means that when you hold your iPhone to an NFC terminal and double-press the side button, PayPal will open instead of Apple Pay. The payment will then be processed through this app \u2013 directly from your linked PayPal account.<\/p>\n\n\n\n

Legal background: Opening of NFC access<\/h4>\n\n\n\n

This is made possible by the EU Digital Markets Act (DMA). This requires large platform operators like Apple to open certain technical interfaces to third-party providers. In this case, this affects the NFC chip in iPhones, which was previously used exclusively by Apple Pay. With the opening, this NFC function is now available to all apps in the European Economic Area. This includes the 27 EU member states as well as Iceland, Liechtenstein, and Norway. Providers like PayPal or banks with their own wallet apps can thus integrate their services directly into iPhones.<\/p>\n\n\n\n

Germany is the first market<\/h4>\n\n\n\n

PayPal has announced that it will initially launch the feature in Germany. The new contactless payment option will be available via the app in the coming weeks. This will make Germany the test market for the new tap-to-pay feature. Other countries in the EEA are expected to follow (via newsroom<\/a>).<\/p>\n\n\n\n

PayPal relies on additional functions<\/h4>\n\n\n\n

To differentiate itself from Apple Pay, PayPal is focusing on additional offers. Users will have access to cashback promotions within the app\u2014refunds for certain purchases. PayPal also plans to introduce an installment payment feature. Purchases will be able to be split into six, twelve, or 24 monthly installments. This will allow PayPal to specifically target users who want more flexibility when paying.<\/p>\n\n\n\n