At the Swiss Payment Forum of 17 and 18 November 2014, Netcetera expert Thomas Fromherz gave an overview of mobile payment methods in Switzerland. His field trial with Apple Pay in Swiss shops demonstrated, that the country is prepared for mobile payment.

1. Apple Pay with US Credit and Debit Cards in Switzerland
Field Report
November 14, 2014 – Dr. Thomas Fromherz

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Agenda
Registration
 Purchase Transactions with Apple Pay
Apple Pay in In-App E-Commerce Transactions
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3. Registration of Card for Apple Pay
© 2014 Netcetera AG Netcetera | 3

4. Get Passbook with Apple Pay Capability
 “Old” Passbook without Apple Pay
 Due to region “Schweiz”
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5. Get Passbook with Apple Pay Capability (cont.)
 Switch region to “Vereinigte Staaten”
 “New” Passbook w/ Apple Pay
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Registration of Card for Apple Pay
 Open PassBook
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7. Registration – Citi MC, Card Data Input by Typing
 Click “Set Up Apple Pay“
 Click “Add a new Credit or Debit Card”
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8. Registration – Citi MC, Card Data Input by Typing (cont.)
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 Enter card data by hand
 Verifying …
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9. Registration – Citi MC, Card Data Input by Typing (cont.)
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 Verifying  Accept T&C
 Card verified
 3 identification options
 Call Citi Apply Pay number, enter
PAN, ZIP, Citi password 
automatically verified (or
forwarded to call center agent)
 Citi (system?) calls number on file
 Citi (system?) texts number on file
© 2014 Netcetera AG

10. Registration – Citi MC, Card Data Input by Typing (cont.)
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 Card ready for Apple Pay
 Complete registration:
<10 min
 Activation (from successful
identification to “ready message”):
<10 sec
© 2014 Netcetera AG

11. Registration – Citi MC, Card Data Input by Typing (cont.)
 Under “i”  card info screen
 Direct link to Citi mobile app
 On/off switch for card notifications
 Transaction history
 Contact Citi (link to initiate call)
 Card number (PAN), last 4 digits
 Device account number (DAN), last
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4 digits
 Remove card
© 2014 Netcetera AG

12. Registration – Citi Amex, Card Data Input by Camera
 Pressing camera icon activates
automatic recognition of card data
from picture
 Security code (CVV) to be entered
manually
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© 2014 Netcetera AG

13. Registration – Citi Amex, Card Data Input by Camera
 Enter security code (CVV) manually
 Verifying  Accept T&C
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(cont.)
© 2014 Netcetera AG

14. Registration – Citi Amex, Card Data Input by Camera
 1 identification option
 Call Citi Apply Pay number, enter
PAN, ZIP Citi password
 forwarded to call center agent
 verification of identity
  Apple Pay activation by agent
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 Card ready for Apple Pay
 Complete registration: <10 min
 Activation: <10 sec
(cont.)
© 2014 Netcetera AG

15. Registration – Citi MC, Amex, Customer Communication
 E-Mail with additional instructions on
how to activate card for Apple Pay
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© 2014 Netcetera AG

16. Registration – Citi MC, Amex, Customer Communication
 E-Mail with activation confirmation
and further information
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(cont.)
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17. Registration – BofA* Debit, Card Data Input by Camera
 Pressing camera icon activates
automatic recognition of card data
from picture
 Security code (CVV) to be entered
manually
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© 2014 Netcetera AG
* BofA = Bank of America

18. Registration – BofA Debit, Card Data Input by Camera
 Verifying  Accept T&C
 1 identification option
 Call BofA Apply Pay number
 forwarded to call center agent
 verification of identity
  Apple Pay activation by agent
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(cont.)
© 2014 Netcetera AG * BofA = Bank of America

19. Registration – BofA Debit, Card Data Input by Camera
 1 identification option
 Call BofA Apply Pay number
 forwarded to call center agent
 verification of identity
  Apple Pay activation by agent
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 Card ready for Apple Pay
 Complete registration: <10 min
 Activation: <10 sec
(cont.)
© 2014 Netcetera AG * BofA = Bank of America

20. Registration – BofA Debit, Card Data Input by Camera
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 Under “i”  card info screen
 Direct link to BofA mobile app
 NO On/off switch for card
notifications
 NO Transaction history
 Contact BofA (link to initiate call)
 Card number (PAN), last 4 digits
 Device account number (DAN), last
4 digits
 Remove card
(cont.)
© 2014 Netcetera AG * BofA = Bank of America

21. Registration – BofA Debit, Customer Communication
 E-Mail with activation confirmation
and further information
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(cont.)
© 2014 Netcetera AG * BofA = Bank of America

22. Registration – All 3 Cards in PassBook and Settings App
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 All 3 cards in PassBook
and in “Settings” app under
“Passbook & Apple Pay”
© 2014 Netcetera AG * BofA = Bank of America

23. Registration – Add Billing & Shipping Address and
 In “Settings” app under “Passbook &
Apple Pay”
 Set default card
 Add 1 billing and 1 shipping address
 Add 1 phone number
 Add 1 e-mail address
 All can easily be picked from
address book entries
 Addresses and contact details for in-app
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purchases
Contact Details
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 Not offered in my case
 Reason unclear
 Should be something like this
Registration via iTunes Store!
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25. Contactless Payment at Migros POS
© 2014 Netcetera AG Netcetera | 25

26.  Video shows transaction with
changing card from Amex to
MasterCard
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© 2014 Netcetera AG
Contactless Payment at Migros POS

27. Contactless Payment at Migros POS
 Holding iPhone against POS, screen
off
 Screen turned on, verified Touch ID
(or not )
 Transaction successful
 Notification on lock screen
 Sliding notification opens card info
screen (PassBook/Setting) (s. slide
after next)
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© 2014 Netcetera AG

28. Contactless Payment at Migros POS (cont.)
 Card info screen can be accessed via
PassBook (pictures left) or via
“Settings”  PassBook & Apple Pay”
 PassBook shows last transaction on
card screen and card info screen (see
next slide)
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© 2014 Netcetera AG

29. Contactless Payment at Migros POS (cont.)
 Card info screen shows latest
transactions
 Citi Mobile app shows transactions as
“pending”
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© 2014 Netcetera AG

30. Contactless Payment at Migros POS (cont.)
 Transaction with BofA debit card failed
despite showing on the card screen;
(reason: most probably because Visa
Debit not set up on terminal)
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© 2014 Netcetera AG * BofA = Bank of America

31. Some Details
© 2014 Netcetera AG Netcetera | 31

32.  When tapping the terminal Apple Pay
wakes up and displays default card;
 If TouchID not pressed, transaction
doesn’t happen
 User can choose another card with
typical Passbook gesture also used
for selecting boarding cards, hotel
reservations, or movie tickets
 Selected card is used for transaction
(s. movie)
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Change of Card when Paying
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33. Merchant Names vs. Transaction Amount
 Transaction amount is sent back via
NFC for MasterCard, i.e. always
available, even without data
connectivity (flight mode on)
 If no data connectivity available,
merchant name not available
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© 2014 Netcetera AG

34. Merchant Names vs. Transaction Amount (cont.)
 Once data connectivity available
(flight mode off), merchant name is
sent to iPhone (both notification and
transaction history)
 Assumption: sent by issuer
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© 2014 Netcetera AG

35. Merchant Names vs. Transaction Amount (cont.)
 For Amex, amount apparently not sent
back via NFC but - converted into
US$ - via data connectivity from
issuer;
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© 2014 Netcetera AG

36. High / Low Value Transactions
 High-value transaction did not require
PIN at terminal
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© 2014 Netcetera AG * BofA = Bank of America

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Contactless EMV vs. Contactless Magstripe
 MasterCard: Contactless EMV
 Amex: Contactless Magstripe
© 2014 Netcetera AG

38. Acquiring Records – KKiosk
DAN
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39. Acquiring Records – KKiosk
DAN
Contactless Magstripe
© 2014 Netcetera AG Netcetera | 39

40. Acquiring Records – Test Terminal
DAN
Contactless EMV
© 2014 Netcetera AG Netcetera | 40

41.  Aiming was not an issue; transactions
were done without even thinking
about how to hold iPhone to terminal
 Transaction at Migros terminal
(Yomani) was faster than at Kkiosk
(Verdi);
 The latter required some patience &
confidence that transaction would go
thru;
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Empiric judgment
Aiming & Transaction Time
© 2014 Netcetera AG

42. Apple Pay in E-Commerce aka In-App-Transactions
© 2014 Netcetera AG Netcetera | 42

43. Apple Pay in Apps
© 2014 Netcetera AG Quelle: http://www.apple.com/apple-pay Netcetera | 43

44.  First screens of Apple Store app
 Purchase did not go thru due to
address problem
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Apple Pay in Apple Store App
© 2014 Netcetera AG

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(c) 2014 Netcetera AG
The content of this presentation is copyrighted material. Reproduction or publication,
in whole or in part, by third parties without prior written permission of Netcetera is
prohibited.

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Dr. Thomas Fromherz – Director Payment & Card Services
thomas.fromherz@netcetera.com
+41 44 297 58 18
Contact

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