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

Apple Wallet ID Illinois

Apple Plans to Expand iPhone Driver's Licenses to These 7 U.S. States

Wednesday December 24, 2025 8:40 am PST by
In select U.S. states, residents can add their driver's license or state ID to the Apple Wallet app on the iPhone and Apple Watch, and then use it to display proof of identity or age at select airports and businesses, and in select apps. The feature is currently available in 13 U.S. states and Puerto Rico, and it is expected to launch in at least seven more in the future. To set up the...
iPhone Top Left Hole Punch Face ID Feature Purple

iPhone 18 Pro Launching Next Year With These 12 New Features

Tuesday December 23, 2025 8:36 am PST by
While the iPhone 18 Pro and iPhone 18 Pro Max are not expected to launch for another nine months, there are already plenty of rumors about the devices. Below, we have recapped 12 features rumored for the iPhone 18 Pro models. The same overall design is expected, with 6.3-inch and 6.9-inch display sizes, and a "plateau" housing three rear cameras Under-screen Face ID Front camera in...
maxresdefault

Where's the New Apple TV?

Monday December 22, 2025 11:30 am PST by
Apple hasn't updated the Apple TV 4K since 2022, and 2025 was supposed to be the year that we got a refresh. There were rumors suggesting Apple would release the new Apple TV before the end of 2025, but it looks like that's not going to happen now. Subscribe to the MacRumors YouTube channel for more videos. Bloomberg's Mark Gurman said several times across 2024 and 2025 that Apple would...
maxresdefault

10 Mac Apps Worth Trying in 2026

Wednesday December 24, 2025 9:27 am PST by
2026 is almost upon us, and a new year is a good time to try out some new apps. We've rounded up 10 excellent Mac apps that are worth checking out. Subscribe to the MacRumors YouTube channel for more videos. Alt-Tab (Free) - Alt-Tab brings a Windows-style alt + tab thumbnail preview option to the Mac. You can see a full window preview of open apps and app windows. One Thing (Free) -...
iOS 26

iOS 26.2 Adds These 8 New Features to Your iPhone

Monday December 22, 2025 8:47 am PST by
Earlier this month, Apple released iOS 26.2, following more than a month of beta testing. It is a big update, with many new features and changes for iPhones. iOS 26.2 adds a Liquid Glass slider for the Lock Screen's clock, offline lyrics in Apple Music, and more. Below, we have highlighted a total of eight new features. Liquid Glass Slider on Lock Screen A new slider in the Lock...
airpods color prototypes

Apple Tested AirPods in Bright Colors

Saturday December 27, 2025 6:06 am PST by
Apple reportedly tested a version of the first-generation AirPods with bright, iPhone 5c-like colored charging cases. The images, shared by the Apple leaker and prototype collector known as "Kosutami," claim to show first-generation AirPods prototypes with pink and yellow exterior casings. The interior of the charging case and the earbuds themselves remain white. They seem close to some...
iPhone Fold Vertical Feature

Why Apple's Foldable iPhone May Be Smaller Than Expected

Tuesday December 23, 2025 5:21 am PST by
Apple's first foldable iPhone, rumored for release next year, may turn out to be smaller than most people imagine, if a recent report is anything to go by. According to The Information, the outer display on the book-style device will measure just 5.3 inches – that's smaller than the 5.4-inch screen on the ‌iPhone‌ mini, a line Apple discontinued in 2022 due to poor sales. The report has led ...
Foldable iPhone 2023 Feature Iridescent Search

Samsung Developing 'Wide Fold' With iPhone Fold-Like Design Ahead of Apple's 2026 Launch

Tuesday December 23, 2025 11:55 am PST by
Samsung is working on a new foldable smartphone that's wider and shorter than the models that it's released before, according to Korean news site ETNews. The "Wide Fold" will compete with Apple's iPhone Fold that's set to launch in September 2026. Samsung's existing Galaxy Z Fold7 display is 6.5 inches when closed, and 8 inches when open, with a 21:9 aspect ratio when folded and a 20:18...
iPhone SE Cosmopolitan Clean

Apple Discontinued These 25 Products This Year

Wednesday December 24, 2025 7:24 am PST by
With the end of 2025 near, the time has come to look back at the devices and accessories that Apple discontinued throughout the year. Most of the products that were discontinued this year were simply replaced by a new model with an updated chip. However, the iPhone SE line was entirely discontinued when the iPhone 16e launched, and the iPhone Plus line is being phased out. Below, we have...

Top Rated Comments

Glassed Silver Avatar
113 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
113 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
113 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
113 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
113 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.


source ('https://mspoweruser.com/here-are-the-kantar-smartphone-market-share-numbers-for-march-2017/').
Score: 3 Votes (Like | Disagree)
Pakaku Avatar
113 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)