Technology: with your smartphone - a large selection of mobile payment providers makes it possible

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Pay

The list of shops in which you can pay with your smartphone is getting longer. The same applies to Payment Service Providers who enable this at all. Here is a selection of the most important providers.

Spencer Platt/Getty Images © provided by Finanzen.net Spencer Platt/Getty Images

• Contactless Payment is becoming increasingly popular

• Advantages: Fast, convenient and safe

• Numerous providers enable Payment with the smartphone

When you pay contactless payment, the NFC ( Near Field Communication), which also works with the smartphone. The prerequisite for this is that the cell phone is equipped with an NFC chip, but with newer smartphones it is already part of the standard equipment. Furthermore, users still need an app, which then carries out the payment process at the cash register. This app is either charged with money or connected to an credit card or an current account . Now you have to keep the smartphone directly to the reader to pay. A confirmation of a PIN, fingerprint or facial recognition may also be required and the payment process has already been completed.

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shops have a large selection of payment service providers. These provide card readers, take care of the acceptance contracts for the various payment methods and take over the complete payment processing.

Apple Pay

Apple Pay is a payment system developed by Apple for its in -house mobile devices - iPhone, Apple Watch, iPad and MacBooks. It works on the stationary POS (Point of Sale - e.g. stationary retail) such as a contactless card payment. The payment is made via a stored credit card of a participating bank, but Apple Pay does not send the actual data of the stored credit card. Instead, the seller only receives a so-called Device Account Number, which is a randomly generated pseudo-credit card number that is stored for each card stored, as well as the bank's confirmation that is linked to a valid card.

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Google Pay

also Google Pay, which was specially developed for Android devices, works on the stationary POS like a contactless card payment. It is available in all Android versions from Android 5.0 (Lollipop). Users have to store their credit, debit, customer or gift card details once or link their PayPal account. However, this data is not transmitted to the dealer during the payment process.

Payback Pay

Furthermore, you can pay in participating shops with your smartphone if you have downloaded the Payback app. Payback owners is the US credit card company American Express .

PAYBACK analyzes the data obtained and provides the participating dealers with the information on customer behavior. On the other hand, customers have the advantage that they will be credited to Payback points for their purchases, which they can later redeem against premiums, vouchers or cash.

PayPal App

also enables the PayPal app to pay contactless payments with the cell phone. To do this, you only have to select "Scan/Numbers" in the app and keep the smartphone camera on the QR code or show it to the seller or the seller to scan it.

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No financial data is shared during the payment process. The PayPal account is a virtual account in which the identity of the account is defined by the email address of the PayPal member, i.e. there is no account number.

Girocard Mobile

In addition to their classic map, many banks in Germany - including Sparkassen, Volksbanken Raiffeisenbanken, Targo Bank, BB Bank, BW -Bank and some more - offer the digital girocard in the smartphone. As with the card, the payment is made directly from the checking account. However, the verification takes place with, for example, Face ID or Touch ID instead of PIN at the payment terminal.

Alipay and Wechat Pay

The online payment systems WEChat Pay and Alipay established by Tencent or Alibaba are the market leaders in China. Shops in Europe that offer this payment procedure are mainly due to Chinese tourists.

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