Danish E-Commerce Payment Provider Clearhaus Announces Support for Apple Pay

Danish acquirer Clearhaus today announced support for Apple Pay, bringing Apple's mobile payment platform to over 5,000 Nordic online merchants who use the e-commerce payment institution.

In October 2017, Apple Pay was introduced to Sweden, Denmark, and Finland, where top Nordic banks like Nordea, Jyske Bank, Edenred, N26, and ST1 quickly adopted the digital wallet system, allowing physical stores across the region to accept contactless payments with iOS devices.


Online payment gateway solutions and acquirers like Clearhaus, which has 20 percent of the market share in Denmark, have since been following suit.
"The emergence of mobile-friendly payment technology like Apple Pay proves that consumer behavior is changing - and webshops will need to adapt quickly. It's an easy, secure payment method, with the fastest checkout in the market today. That's why we have cooperated with our partner, QuickPay to bring Apple Pay to over 5,000 webshops in the Nordics."
Clearhaus serves 7,500 merchants in 33 countries across Europe with secure payment solutions for accepting Visa and Mastercard online.

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Apple Retail Stores in China to Accept Alipay Mobile Payments

Alipay, the mobile payment system offered by Chinese e-commerce giant Alibaba, will soon be accepted in Apple retail stores across China, making it the first third-party mobile payment system to be accepted at brick-and-mortar Apple stores anywhere in the world (via Reuters).


The partnership with Apple was announced in a statement on Wednesday by Alibaba affiliate Ant Financial, which runs Alipay. Apple's regional China website, iTunes Store, and App Store have accepted Alipay for over a year, but Apple has now agreed to accept Alipay payments across all of its 41 local retail stores in the country, where Apple Pay has thus far received a lukewarm reception.

Alipay is China's most used mobile payment platform, but Alibaba is looking to keep one step ahead of Tencent Holdings' rival digital payment system, which is integrated into hugely popular chat app WeChat.

Reports of discussions about a potential partnership between Apple and Alibaba date back to November 2014, when the idea of integrating Alibaba's Alipay with Apple Pay was first considered as a more comprehensive mobile payments solution for the Chinese market.

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Apple Pay Expanding to Brazil Soon

Apple Pay is set to expand to a Brazil later this year, Apple CEO Tim Cook revealed in today's first quarter earnings call. While Apple didn't provide an exact date for the launch of Apple Pay in Brazil, Cook did say it would come soon.

We began hearing rumors of an Apple Pay expansion to Brazil two years ago, but in December of last year, iPhone users in Brazil were able to see terms of service information when attempting to add a Visa Platinum Personnalité card from Itaú Unibanco, suggesting an imminent launch.


It is not yet clear which banks will support Apple Pay when the feature launches, as there is not yet an Apple Pay website for the feature in the country. More details are likely to be available soon.

Since its 2014 launch, Apple has expanded Apple Pay to more than a dozen countries, including the United States, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Japan, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, and United Arab Emirates.

Apple Pay works on all iPhones with Touch ID or Face ID, including iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, and X. It is also available on all Apple Watch models and can be used to make purchases in apps and on the web on Macs and iPads.

During today's earnings call, Apple also shared some details on Apple Pay, which saw its best ever quarter in Q1 2018.

Apple Pay grew 50 percent year-over-year, and it is now accepted at more than half of all retail locations in the United States, and at 2/3rds of the country's top retailers. Global Apple Pay purchase volume was also up.

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Apple Pay Expanding to Brazil Soon

Apple Pay is set to expand to a Brazil later this year, Apple CEO Tim Cook revealed in today's first quarter earnings call. While Apple didn't provide an exact date for the launch of Apple Pay in Brazil, Cook did say it would come soon.

We began hearing rumors of an Apple Pay expansion to Brazil two years ago, but in December of last year, iPhone users in Brazil were able to see terms of service information when attempting to add a Visa Platinum Personnalité card from Itaú Unibanco, suggesting an imminent launch.


It is not yet clear which banks will support Apple Pay when the feature launches, as there is not yet an Apple Pay website for the feature in the country. More details are likely to be available soon.

Since its 2014 launch, Apple has expanded Apple Pay to more than a dozen countries, including the United States, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Japan, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, and United Arab Emirates.

Apple Pay works on all iPhones with Touch ID or Face ID, including iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, and X. It is also available on all Apple Watch models and can be used to make purchases in apps and on the web on Macs and iPads.

During today's earnings call, Apple also shared some details on Apple Pay, which saw its best ever quarter in Q1 2018.

Apple Pay grew 50 percent year-over-year, and it is now accepted at more than half of all retail locations in the United States, and at 2/3rds of the country's top retailers. Global Apple Pay purchase volume was also up.

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Visa Dropping Signature Requirement for Chip Cards and Apple Pay Starting in April

Visa today announced it will eliminate its signature requirement for EMV payments beginning April 2018 in the United States and Canada.


The change will apply to both chip-and-signature credit and debit cards, and contactless payment solutions like Apple Pay when linked to a Visa credit or debit card. The change is designed to allow for a more consistent, streamlined, and quicker checkout experience for both merchants and cardholders.

For years, customers have been required to sign the receipt when making a purchase to verify they own the debit or credit card they are attempting to use. A cashier is supposed to match the signature on the receipt against the one on the back of the card, but in reality, this process is often skipped nowadays.

Currently, even when using Apple Pay, a signature can be required on occasion for purchases over $25 made with a Visa card in the United States. But with EMV technology and other modern safeguards, Visa is now moving to fully eliminate this requirement, in line with Mastercard, American Express, and Discover.

The signature requirement is already much less common in Canada, where customers insert their chip card into a payment terminal and verify ownership by entering a four-digit PIN. You also can't use contactless payments for transactions over $100 in Canada (update: excluding American Express — thanks Gary Ng!)

Visa says its partners have deployed EMV-chip enabled readers at more than 2.5 million locations around the world. Less than two years since the technology launched in the United States, counterfeit fraud declined 66 percent at EMV-chip enabled merchants, according to the company.

Merchants will remain able to collect signatures if required to do so by an applicable law in a particular jurisdiction.

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Tag: Visa

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Apple Pay Promo Offers Free Delivery From Instacart Through January 10

Apple has launched a new Apple Pay promotion running through Wednesday, January 10 and centering upon grocery delivery app Instacart. With the promo, you can get free delivery on Instacart orders of $35 or more when using Apple Pay to checkout, and no promo code is needed.

The fine print for the new offer notes that free delivery will be subject to availability in certain areas, and service fees and taxes still apply to your order. If your area supports the promotion, you can save $5.99 or more on an Instacart order, with delivery fees starting at that price point and increasing when factoring in the size and time of your order.


In the same email announcement, Apple also highlighted restaurants that support Apple Pay, like Panera Bread, Jamba Juice, and Whole Foods. Additionally, the company mentioned a few food planning and delivery apps that might help users maintain their healthy eating New Year's resolutions, like Thrive Market, Blue Apron, and Plated.

The Instacart email promotion follows previous Apple Pay offers launched over the past few months, including one for Fandango in December and another for Postmates in November.

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Apple Pay Promo Offers $5 Off Fandango Movie Tickets

Apple is offering an Apple Pay promotion this week that discounts Fandango movie tickets by $5 when you make a purchase using either the Fandango app or the Fandango.com website.

The discount will be available on movie ticket purchases made through January 2, according to the email that went out to Apple customers this morning. When you make a purchase using Apple Pay, you will need to use the promo code "AppleCheer" at checkout to get the Fandango discount.


In addition to providing the Fandango deal, Apple is also highlighting retail apps that accept Apple Pay and can be used for New Year's party planning, including Safeway, Party City, ULTA Beauty, Lyft, TouchTunes, and McDonald's.

Over the course of the two months, Apple has been promoting Apple Pay through a series of emails that include deals and discounts. A November, email, for example, offered a discount on a Postmates Unlimited subscription.

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Sources Claim Apple Pay to Arrive in Poland in Early 2018

Apple Pay could arrive in Poland as soon as the first quarter of 2018, according to financial technology site cashless.pl. Several independent sources are said to have confirmed active negotiations between Apple and five banks operating in the country, including Alior, BZ WBK, and mBank.

According to the Polish tech site, all banks operating in Poland received an offer from Apple earlier this month to make Apple Pay available to their customers. Some of the banks are said to have declined the offer, but the banks listed above are reportedly negotiating financial terms to start supporting the digital wallet in the first half of 2018.


Given that the banks have already implemented MasterCard or Visa tokenization – the same technology used by Apple Pay to securely link a payment card number to a mobile device – rollout could happen very quickly as soon as negotiations have concluded.

The rollout will reportedly take place with active support from payment companies including Mastercard, although there's no word on whether Visa will be involved in the implementation at this stage.

The last time we heard about plans for Apple Pay in Poland was in October, when an anonymous tipster emailed in an alleged screenshot of Apple Pay being tested with a Mastercard from PKO Bank Polski, for a possible debut in the country by the end of this year. PKO was not mentioned in today's source, however, and may have just been used as a placeholder card for Apple's internal testing only.

(Thanks, Krzysiek!)

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Tag: Poland

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Apple Shares Tutorial Video on Using Apple Pay With iPhone X

Apple today shared a new tutorial video on its YouTube channel, this time demonstrating how to use Apple Pay in retail stores with the iPhone X.

Apple Pay on iPhone X is similar to Apple Pay on other devices, but with no fingerprint sensor, you need to unlock your iPhone with Face ID and double tap on the side button to bring up the Wallet app.


Apple's video uses step-by-step instructions to walk users through how to use Apple Pay, similar to other tutorial videos the company has released in the past.

- Step 1: Locate a point-of-sale system that accepts Apple Pay
- Step 2: Double click side button and glance at screen
- Step 3: Hold top of iPhone near reader screen

Apple has been using short tutorial videos for several months now to demonstrate iPhone X, iPhone 8 Plus, iOS 11, and iPad Pro features. Previous videos have highlighted peer-to-peer Apple Pay payments, Portrait Lightning, iPad-specific iOS 11 tools, and more.

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Apple Pay Offers $5 iTunes Gift Card When You Shop Online at Select Retailers December 14-21

Apple today announced that if you shop at select online retailers using Apple Pay from December 14 through December 21, you'll get a $5 App Store and iTunes Gift card. The offer is only valid for United States residents and while supplies last. Furthermore, Apple stated that there is a limit to one card per retail partner, suggesting you can get additional $5 cards if you shop at multiple online stores under the promotion.

Apple didn't specify if there is a minimum amount of money you have to spend to get the $5 card, but the company advised shoppers to see applicable partner websites for more information as the fine print might change on a retailer-by-retailer basis.

Here is the full list of Apple Pay partners participating in the promotion:


If you don't have Apple Pay set up yet, make sure to visit our guide on How to Set Up Apple Pay and Add Credit Cards. The latest addition to Apple Pay was the debut of Apple Pay Cash, which launched earlier in December and lets you directly pay friends and family members. If you have credit on your Apple Pay Cash Card, you can also use that to shop at the above retailers and get the $5 iTunes card.

For other deals and promotions, visit our full Deals Roundup.

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