Apple Pay Negotiations Still Ongoing in Germany as Hints of Pending Italian Launch Increase

Apple is "working rapidly" to expand Apple Pay to additional countries in Asia and Europe, and there's increasing evidence and reports that suggest the service may launch in Italy and Germany in the near future.

apple pay italy
Apple recently updated its Apple Pay participating banks and card issuers in Asia-Pacific support document with a new image of Europe that has Italy highlighted. The change isn't visible on the United States or Europe versions of the page, suggesting that it may have been added to the Asia-Pacific page prematurely.

italy apple pay grayscale circled
MacRumors discovered a colored version of the image stored on Apple's servers that makes it easier to see Italy highlighted.

italy apple pay blue
Apple's regional Italian website has listed Apple Pay as "coming soon" since March, so it's only a matter of time—WWDC?—before the payments service launches in the country. At launch, Apple Pay will work with Visa and MasterCard in Italy through participating banks UniCredit, Boon, and Carrefour Banca.

Meanwhile, German blog iPhone-Ticker reports that Apple Pay should launch in Germany in the fall or winter. As in some other countries, however, the negotiations between Apple and German banks allegedly continue to be challenging, likely as both sides struggle to reach an agreement over fees and control.

Last October, Germany was similarly highlighted on the Apple Pay availability map, but only for a brief period of time.

apple pay germany map
Apple Pay launched in the United States in October 2014, and it has since expanded to 14 other countries and regions: Australia, Canada, China, France, Hong Kong, Ireland, Japan, New Zealand, Russia, Singapore, Spain, Switzerland, Taiwan, and the United Kingdom. There was also a rumor that Belgium could be added this month.

Related Roundup: Apple Pay
Tags: Germany, Italy

Popular Stories

iOS 26 Feature

iOS 26.1 to iOS 26.4 Will Add These New Features to Your iPhone

Saturday October 18, 2025 11:00 am PDT by
iOS 26 was released last month, but the software train never stops, and iOS 26.1 beta testing is already underway. So far, iOS 26.1 makes both Apple Intelligence and Live Translation on compatible AirPods available in additional languages, and it includes some other minor changes across the Apple Music, Calendar, Photos, Clock, and Safari apps. More features and changes will follow in future ...
ios 26 1 liquid glass opaque

iOS 26.1 Beta 4 Lets Users Control Liquid Glass Transparency with New Toggle

Monday October 20, 2025 10:57 am PDT by
With the fourth betas of iOS 26.1, iPadOS 26.1, and macOS 26.1, Apple has introduced a new setting that's designed to allow users to customize the look of Liquid Glass. The toggle lets users select from a clear look for Liquid Glass, or a tinted look. Clear is the current Liquid Glass design, which is more transparent and shows the background underneath buttons, bars, and menus, while tinted ...
iphone air thickness

Apple Said to Cut iPhone Air Production Amid Underwhelming Sales

Friday October 17, 2025 8:29 am PDT by
Apple plans to cut production of the iPhone Air amid underwhelming sales performance, Japan's Mizuho Securities believes (via The Elec). The Japanese investment banking and securities firm claims that the iPhone 17 Pro and iPhone 17 Pro Max are seeing higher sales than their predecessors during the same period last year, while the standard iPhone 17 is a major success, performing...
iOS 26

iOS 26.0.2 Update for iPhones Coming Soon

Friday October 17, 2025 7:35 am PDT by
Apple's software engineers continue to internally test iOS 26.0.2, according to MacRumors logs, which have been a reliable indicator of upcoming iOS versions. iOS 26.0.2 will be a minor update that addresses bugs and/or security vulnerabilities, but we do not know any specific details yet. The update will likely be released by the end of next week. Last month, Apple released iOS 26.0.1,...
Apple iPad Pro hero M5

New iPad Pro Has Six Key Upgrades Beyond M5 Chip

Saturday October 18, 2025 10:57 am PDT by
While the new iPad Pro's headline feature is the M5 chip, the device has some other changes, including N1 and C1X chips, faster storage speeds, and more. With the M5 chip, the new iPad Pro has up to a 20% faster CPU and up to a 40% faster GPU compared to the previous model with the M4 chip, according to Geekbench 6 results. Keep in mind that 256GB and 512GB configurations have a 9-core CPU,...
iPhone Siri Glow

Some Apple Employees Have 'Concerns' About iOS 26.4's Revamped Siri

Sunday October 19, 2025 7:39 am PDT by
iOS 26.4 is expected to introduce a revamped version of Siri powered by Apple Intelligence, but not everyone is satisfied with how well it works. In his Power On newsletter today, Bloomberg's Mark Gurman said some of Apple's software engineers have "concerns" about the overhauled Siri's performance. However, he did not provide any specific details about the shortcomings. iOS 26.4 will...
HomePod mini and Apple TV

Apple's Next Rumored Products: New HomePod Mini, Apple TV, and More

Thursday October 16, 2025 9:13 am PDT by
Apple on Wednesday updated the 14-inch MacBook Pro, iPad Pro, and Vision Pro with its next-generation M5 chip, but previous rumors have indicated that the company still plans to announce at least a few additional products before the end of the year. The following Apple products have at one point been rumored to be updated in 2025, although it is unclear if the timeframe for any of them has...
maxresdefault

Here's How the iOS 26.1 Transparency Toggle Changes Liquid Glass

Monday October 20, 2025 1:55 pm PDT by
With the fourth beta of iOS 26.1, Apple added a toggle that makes Liquid Glass more opaque and reduces transparency. We tested the beta to see where the toggle works and what it looks like. Subscribe to the MacRumors YouTube channel for more videos. If you have the latest iOS 26.1 beta, you can go to Settings > Display and Brightness to get to the new option. Tap on Liquid Glass, then...
m4 macbook air blue

M5 MacBook Air Coming Spring 2026 With M5 Mac Studio and Mac Mini in Development

Thursday October 16, 2025 3:57 pm PDT by
Apple plans to launch MacBook Air models equipped with the new M5 chip in spring 2026, according to Bloomberg's Mark Gurman. Apple is also working on M5 Pro and M5 Max MacBook Pro models that will come early in the year. Neither the MacBook Pro models nor the MacBook Air models are expected to get design changes, with Apple focusing on simple chip upgrades. In the case of the MacBook Pro, a m...

Top Rated Comments

Glassed Silver Avatar
110 months ago
Germany is a market with a lot of purchasing power and I expect Apple to try and establish a cut from the transactions as high as possible, meanwhile the banks have ZERO reason to rush an agreement as long as they are all very confident that Apple is asking too much I guess.

I mean, once they negotiate a rate I'm sure it will be harder to move away from it for banks especially.

Also, Germans are VERY reluctant to change banks, so their negotiation power in this is a lot higher than most other places.

Comments like "I changed banks to have Apple Pay" would be rather rare here save for the diehard Apple fans who read about Apple Pay every month on MR et all...

Meanwhile, a range of mobile payment options have long been available. Whilst less secure, less flexible or less convenient and integrated, many of them seem to cover that basic urge to pay with the phone just fine. Another hit to the negotiation power that Apple may have.

Glassed Silver:mac
Score: 7 Votes (Like | Disagree)
otternonsense Avatar
110 months ago
You mean, by the time Apple Pay arrives in the Netherlands it won't even be relevant anymore.;):p
I moved to Berlin ;)
[doublepost=1494628050][/doublepost]
How so? I mean, I can see some QR code based system eventually coming out on top in the US (for a bunch of reasons) but I'm not sure if there's something like that in Germany.
QR code based system?? Is it 2013 again? :rolleyes:
Score: 6 Votes (Like | Disagree)
TheralSadurns Avatar
110 months ago
**** Germany and **** Germans with their backwards attitudes ALL THE ****ING TIME.

Whenever something... anything really... is NEW they immediately HATE it and dismiss it as nonsense. People who use such things are ridiculed on top of everything else.

Smartphones? HAHAHAHA NO ONE needs **** like this... SOOOO useless...
Meanwhile people in all other countries start using them.
5 years later... all of a sudden... smartphones are great in Germany too... and nobody even remembers dismissing them.

Same with tablets...

Non-cash payments...

Electric cars...

The list goes on and on.

I am so fed up with the people here...
Score: 4 Votes (Like | Disagree)
MLVC Avatar
110 months ago
It needs to get a (Western) European rollout to be really successful, the Netherlands, Belgium, Luxemburg, Denmark, Austria e.g. need to be added as well. I understand that if you live in Berlin you don't travel abroad that easily but NRW e.g., they get around. People who live near borders easily shop in one country and have dinner in the other one these days.
Score: 4 Votes (Like | Disagree)
fermat-au Avatar
110 months ago
Germany is a market with a lot of purchasing power and I expect Apple to try and establish a cut from the transactions as high as possible, meanwhile the banks have ZERO reason to rush an agreement as long as they are all very confident that Apple is asking too much I guess.

I mean, once they negotiate a rate I'm sure it will be harder to move away from it for banks especially.

Also, Germans are VERY reluctant to change banks, so their negotiation power in this is a lot higher than most other places.

Comments like "I changed banks to have Apple Pay" would be rather rare here save for the diehard Apple fans who read about Apple Pay every month on MR et all...

Meanwhile, a range of mobile payment options have long been available. Whilst less secure, less flexible or less convenient and integrated, many of them seem to cover that basic urge to pay with the phone just fine. Another hit to the negotiation power that Apple may have.

Glassed Silver:mac
The situation in Germany sounds a little like that in Australia, but to a greater extent in Germany. Here in Australia almost everyone has an NFC card and almost every were accepts NFC payments, but ApplePay is only available from one of the big four banks. It is my understanding that the issue in negotiation with three of the big banks is the transaction fee. In Australia the transaction fee is usually paid by the retailer and many retailer have a $10 minimum to pay by card or they charge the consumer 20c or 50c.

Apple design ApplePay for the US where NFC payments were still new and "cool", the problem for them is that in many other parts of the world NFC is already implemented, so Apple is in a far weaker negotiating position in relation to transaction fees.

Another issue that puts Apple is a weaker negotiating position in Germany, is the iPhone is far less popular there than US, UK or AU.

apple pay germany italy hints image
source ('https://mspoweruser.com/here-are-the-kantar-smartphone-market-share-numbers-for-march-2017/').
Score: 3 Votes (Like | Disagree)
Pakaku Avatar
110 months ago
**** Germany and **** Germans with their backwards attitudes ALL THE ****ING TIME.

Whenever something... anything really... is NEW they immediately HATE it and dismiss it as nonsense. People who use such things are ridiculed on top of everything else.

Smartphones? HAHAHAHA NO ONE needs **** like this... SOOOO useless...
Meanwhile people in all other countries start using them.
5 years later... all of a sudden... smartphones are great in Germany too... and nobody even remembers dismissing them.

Same with tablets...

Non-cash payments...

Electric cars...

The list goes on and on.

I am so fed up with the people here...
Sounds just like Macrumors half the time
Score: 3 Votes (Like | Disagree)