Question 1

What is Mobile Payment?

Accepted Answer

Mobile payment is payment with a smartphone. Your smartphone becomes a wallet for your credit cards and - in the future - for other means of payment. In contrast to a normal wallet, your smartphone never stores the real card data, just virtual copies. Mobile Payment works like a normal credit card at all contactless checkouts.

Question 2

What does "contactless payment", "contactless credit card" etc. mean?

Accepted Answer

Contactless payment allows you to hold your smartphone or contactless card to the terminal to trigger a payment. In this way you do not give up your means of payment. When paying with a card, you must also sign a receipt or enter your card PIN for amounts of € 50 or more. If you pay with Apple Pay, all you need to do is wake up your smartphone or unlock it with Face ID or Touch ID. You don't need to enter a PIN at the terminal or  sign a receipt.

Question 3

What is Apple Pay?

Accepted Answer

Apple Pay is a payment solution for all your Apple devices that turns your iPhone, iPad or Apple Watch into a wallet for your credit cards and - in the future - other means of payment. In contrast to a normal wallet, your smartphone never stores real card data, only virtual copies. With Apple Pay, your smartphone works like a normal credit card at all contactless checkouts.

Question 4

Which are the requirements to use Apple Pay?

Accepted Answer

Basically, you need:  An Apple device. You can find the hardware or software requirements here.  Device lock (Face ID, Touch ID or the device PIN).  Activation of the NFC function on your device.    For credit cards from Commerzbank you also need:  An online banking account of Commerzbank.  The Mobile Banking-App.  Participate in the photoTAN procedure.    You don´t have a Commerzbank account yet? Open your account now.    For the credit cards of our partners (TUI, Bahn and Tchibo, mybonus/bonusmiles) as well as for business- and corporate cards, you need a valid mobile number. You can deposit it here: www.commerzbank.de/sicher-einkaufen.

Question 5

How do I add a credit card to Apple Pay?

Accepted Answer

A Virtual Debit Card can only be added to Apple Pay directly from the Banking-App. To do this, please select the card under “Manage Cards”. For all other Mastercard and Visa Cards you can also directly activate them in the Apple Wallet.

Question 6

Which cards can I activate for Apple Pay?

Accepted Answer

All Commerzbank Mastercards and Visa Cards.

Question 7

Do I have to pay fees for using Apple Pay?

Accepted Answer

No, Commerzbank does not charge any fees for registering and using Apple Pay. All you need for registration is an Internet connection.

Question 8

How does Apple Pay protect my credit card Information?

Accepted Answer

Apple Pay uses a virtual number instead of a credit card number. This number only applies to the unlocked device and is completely useless otherwise. In the event of abusive payments on your device, you will not be liable for the damage caused unless you have acted intentionally or with gross negligence. If your device is lost or stolen, you can use iCloud to find it, lock it and delete data. Your credit card remains unaffected and you can continue to use it as a means of payment. You can block your credit card by calling the Commerzbank Customer Center. Blocking hotline: +49 (0)69 6657 1999

Question 9

What do I do if I have lost my Apple device or it has been stolen?

Accepted Answer

In the event of theft, contact the police immediately and do not attempt to recover the device yourself. In order to deactivate the payment option on your device you can call the following hotline: +49 (0)69 66 57 12 00. Alternatively, you can remove your credit card in your iCloud account, which will deactivate the payment option on your device. You can try using your iCloud Account to find your device. In this section you can also delete all data from your device, which will deactivate the payment option.

Question 10

What kind of card is the Virtual Debit?

Accepted Answer

The Virtual Debit is a Mastercard debit card, which is provided by Commerzbank exclusively in digital form. The card can be ordered via an Apple device (e.g. iPhone) in the Commerzbank Banking-App for a specific current account. The card number will be given to you immediately in the Banking-App. This enables you to register directly for the Apple Pay payment function as part of Mobile Payment.

Question 11

What can I do with the Virtual Debit Card?

Accepted Answer

You can add the card as a means of payment to your Apple Wallet and use it exclusively with Apple Pay. It can be used at all contactless Mastercard acceptance points where Apple Pay is accepted. Transactions are debited directly from your current account. In addition, cash withdrawals at ATMs are possible if the ATM supports contactless use (infrastructure worldwide currently only under construction). The individual PIN for the Virtual Debit Card can be chosen on the next bank working day under Card details. To do this, please click on "Change PIN" in your Banking-APP account. In online trading, the card can only be used at merchants that offer Apple Pay as a payment method.

Question 12

Where can I apply for and activate the Virtual Debit Card?

Accepted Answer

You can currently only apply for the Virtual Debit Card via an Apple Pay-enabled iPhone (up from iPhone SE 2nd generation model) in the Commerzbank Banking App (immediate activation) and then add it to the Apple Wallet directly afterwards. You can only apply for the card in your Commerzbank Banking App, either in the detailed view of your suitable current account or, if applicable, in the activation section for Apple Pay. All account holders of private current accounts at Commerzbank can apply for the Virtual Debit Card. The minimum age is 18 years. It is not possible to apply for business accounts, deposit accounts, authorised representatives or minors.

Question 13

How much does the Virtual Debit Card cost me?

Accepted Answer

There is currently no monthly or annual fee for the Virtual Debit Card. There are usage fees for foreign and foreign currency use and for cash withdrawals at ATMs, which are set out in the List of Prices and Services. You will receive an excerpt from the list of prices and services when you order the card - together with the card terms and conditions for downloading or printing.

Question 14

What do I have to do if I cannot add my Virtual Debit Card to the Apple Wallet on the day I order the card as intended?

Accepted Answer

You can select the Virtual Debit Card you have already ordered on the next banking day in your Banking-App in the "Manage Cards" section. Pleas click then"Add to Apple Wallet". Cards ordered during a weekend can only be selected and added to the Apple Wallet the following Tuesday in the "Manage Cards" section. It is not required to order another card in this case.

Question 15

What can I do if my Virtual Debit Card is not displayed in the Banking-App under "Manage Cards"?

Accepted Answer

The Virtual Debit Card is usually displayed on the next bank working day (the following Tuesday if ordered at the weekend) in the Banking-App under "Manage Cards". If the card is not displayed there, you have not yet given us permission to display all products in your online and mobile banking. To do this, please log into your online banking and switch to the german website. Then select "Konten & Produkte freischalten" under "Persönlicher Bereich". Then select "Alle Konten und Produkte freischalten" and then click on "Weiter". After you have confirmed the order with a TAN, your Virtual Debit Card should be displayed in the Banking-App. If this is not the case or if you are not familiar with german, please contact our customer service on +49 (0)69 5 8000 8000.

Question 16

How can I add my Virtual Debit Card to the Apple Wallet on another device?

Accepted Answer

On the device with which you have ordered the card, use the entry point "Manage cards" or "My cards" in the Banking-App. Then select the "Virtual Debit Card" and click on the "Add another device" button. If you do not see this button in the card details view of your Virtual Debit Card, please check whether your additional device (iPhone or Apple Watch) is linked to the same Apple ID and try again. Adding an iMac or iPad is currently not possible for the Virtual Debit Card.

Question 17

What should I do if I cannot select my account for Apple Pay to create the Virtual Debit Card?

Accepted Answer

Currently, only one Virtual Debit Card is allowed per account. Therefore, please check under "Manage Cards" in the Banking App whether you have already created a Virtual Debit Card for your existing account. If you do not see the card under "Manage Cards" or the entry point for card creation in your Banking-App, please contact our Customer Service on +49 (0)69 5 8000 8000. We will be happy to check whether your account is eligible for the creation of a Virtual Debit Card.

Question 18

What are the requirements to use Fitbit Pay?

Accepted Answer

Basically you need the following: A Fitbit Pay-enabled Fitbit Smartwatch Fitbit App for iOS or Android A Mastercard or VISA from Commerzbank For credit cards of Commerzbank you need additional: An online banking account from Commerzbank Participation in the photoTAN procedure to change your mobile phone number or e-mail address You do not have an account with Commerzbank yet? Open the free current account now For the credit cards of our partners (TUI-, Bahn- and Tchibo) as well as business cards you also need a valid mobile phone number or e-mail address. You can deposit this in your credit card banking.

Question 19

What credit cards can I activate for Fitbit Pay?

Accepted Answer

All Commerzbank credit cards (including business cards and TUI, Bahn and Tchibo credit cards, Mastercard Debit and Prepaid cards).

Question 20

Do I have to pay fees to use Fitbit Pay?

Accepted Answer

No, Commerzbank does not charge any fees for registering and using Fitbit Pay. All you need to register is an Internet connection.

Question 21

How does Fitbit Pay protect my credit card information?

Accepted Answer

Fitbit Pay uses a virtual number instead of a credit card number. This number only applies to the unlocked device and is completely useless otherwise. In the event of abusive payments on your device, you will not be liable for the damage caused unless you have acted wilfully or with gross negligence. You can block your credit card by calling the Commerzbank Customer Center. Blocking hotline: 069 6657 1999.

Question 22

What do I do if I have lost my Fitbit device or it has been stolen?

Accepted Answer

In the event of theft, contact the police immediately and do not attempt to recover the device yourself. You can block your credit card in your online banking, which will deactivate the payment option on your smartphone: https://kunden.commerzbank.de/banking/financeoverview/. The card block option can be found under "Manage card", directly below your credit card details.

Question 23

What are the requirements to use Garmin Pay?

Accepted Answer

Basically, you need following:  A Garmin Pay-enabled Garmin Smartwatch.  Garmin Connect App for iOS or Android.  A Mastercard or VISA from Commerzbank.    For credit cards of Commerzbank you need additional:  An online banking account from Commerzbank.  Participation in the photoTAN procedure to change your mobile phone number or e-mail address.    You don´t have a Commerzbank account yet? Open your account now.  For the credit cards of our partners (TUI-, Bahn- and Tchibo) as well as business cards you also need a valid mobile phone number or e-mail address. You can deposit this in your credit card banking.

Question 24

What credit card can I activate for Garmin Pay?

Accepted Answer

All Commerzbank credit cards (including business cards and TUI, Bahn and Tchibo credit cards, Mastercard Debit and Prepaid cards).

Question 25

Do I have to pay fees to use Garmin Pay?

Accepted Answer

No, Commerzbank does not charge any fees for registering and using Garmin Pay. All you need to register is an Internet connection.

Question 26

How does Garmin Pay protect my credit card information?

Accepted Answer

Garmin Pay uses a virtual number instead of a credit card number. This number only applies to the unlocked device and is completely useless otherwise. In the event of abusive payments on your device, you will not be liable for the damage caused unless you have acted wilfully or with gross negligence. You can block your credit card by calling the Commerzbank Customer Center. Blocking hotline: 069 6657 1999.

Question 27

What do I do if I have lost my Garmin device or it has been stolen?

Accepted Answer

In the event of theft, contact the police immediately and do not attempt to recover the device yourself. You can block your credit card in your online banking, which will deactivate the payment option on your smartphone: https://kunden.commerzbank.de/banking/financeoverview/. The card block option can be found under "Manage card", directly below your credit card details.

Question 28

What is Google Pay?

Accepted Answer

Google Pay is a payment solution for Android smartphones that turns your mobile phone into a wallet for your credit cards and - in the future - other means of payment. In contrast to a normal wallet, your smartphone never stores real card data, only virtual copies. With Google Pay, your smartphone works like a normal credit card at all contactless checkouts.

Question 29

What are the requirements to use Google Pay?

Accepted Answer

You need the following: An Android smartphone with NFC technology (NFC is “Near Field Communication” - is the technology for contactless payment) Android version 5 or newer A Google Account (the email you use when signing in to the Google Play store) A device lock (the PIN, pattern, or fingerprint that you use to unlock your phone. Devices that have not been locked are excluded for security reasons.) For Commerzbank credit cards you will need additional information: An online banking account with Commerzbank Participation in the photoTAN procedure to activate Google Pay Don’t have a Commerzbank account yet? Open your free account now For business cards or credit cards from our partners (TUI-, Bahn- and Tchibo), you will need a valid mobile phone number. You can add this number in your credit card banking.

Question 30

How do I add a credit card to Google Pay?

Accepted Answer

Via the Commerzbank Banking-App:  This is the easiest and best way. You don't have to take a picture of your credit card or type in the card data. Please note, that you can add your Virtual Debit Card directly to Google Pay only with the use of the banking app. Simply select a credit card in the Banking-App under "My cards" and activate it for Google Pay with just a few clicks. Via the Google Pay App: You can either take a picture of the credit card with your device within the Google Pay App, select a credit card previously used by Google, or enter your credit card details manually. Then confirm the activation of the credit card using one of the displayed approval methods.

Question 31

What credit cards can I activate for Google Pay?

Accepted Answer

All Commerzbank credit cards (including business cards and TUI, Bahn and Tchibo credit cards).

Question 32

How do I pay with Google Pay?

Accepted Answer

NFC must be enabled on your Android smartphone. For amounts up to €50 it is usually sufficient to hold the smartphone to the card terminal after activating the screen. That's it.  For amounts above €50, unlock your device and hold it against the card terminal. It is no longer necessary to sign or enter the card PIN.  If you activate two or more cards for Google Pay, you can define a default card for payment. You can change this at any time at your convenience in the Banking-App.

Question 33

Do I have to pay fees to use Google Pay?

Accepted Answer

No, Commerzbank does not charge any fees for registering and using Google Pay. All you need to register is an Internet connection.

Question 34

How does Google Pay protect my credit card information?

Accepted Answer

Google Pay uses a virtual number instead of a credit card number. This number only applies to the unlocked device and is completely useless otherwise. In the event of abusive payments on your device, you will not be liable for the damage caused unless you have acted wilfully or with gross negligence. If your device is lost or stolen, you can use the Android Device Manager to find it, lock it and delete data. Your credit card remains unaffected and you can continue to use it as a means of payment.  You can block your credit card by calling the Commerzbank Customer Center. Blocking hotline: +49 69 6657 1999.

Question 35

What do I do if I have lost my Android device or it has been stolen?

Accepted Answer

In the event of theft, contact the police immediately and do not attempt to recover the device yourself. In order to deactivate the payment option on your device you can call the following hotline: +49 (0)69 66 57 12 00 Alternatively, you can remove your credit card in your Google account, which will deactivate the payment option on your device. You can try using your Google Account to find your device. In this section you can also delete all data from your device, which will deactivate the payment option.

Question 36

What kind of card is the Virtual Debit?

Accepted Answer

The Virtual Debit is a Mastercard debit card, which is provided by Commerzbank exclusively in digital form. The card can be ordered via an Android-Gerät in the Commerzbank Banking-App for a specific current account. The card number will be given to you immediately in the Banking-App. This enables you to register directly for the Google Pay payment function as part of Mobile Payment.

Question 37

What can I do with the Virtual Debit Card?

Accepted Answer

You can add the card as a means of payment to Google Pay Wallet and use it exclusively with Google Pay. It can be used at all contactless Mastercard acceptance points where Google Pay is accepted. Transactions are debited directly from your current account. In addition, cash withdrawals at ATMs are possible if the ATM supports contactless use (infrastructure worldwide currently only under construction). The individual PIN for the Virtual Debit Card can be chosen on the next bank working day under Card details either in online banking or Banking-App. To do this, please click on "Change PIN" in your Banking-APP account. In online trading, the card can only be used at merchants that offer Google Pay as a payment method.

Question 38

Where can I apply for and activate the Virtual Debit Card?

Accepted Answer

You can currently only apply for the Virtual Debit Card via an Android smartphone with NFC technology in the Commerzbank Banking App (immediate activation) and then add it to the Google Wallet directly afterwards. You can apply for the card in your Commerzbank Banking App, either in the detailed view of your suitable current account or, if applicable, in the activation section for Google Pay. All account holders of private current accounts at Commerzbank can apply for the Virtual Debit Card. The minimum age is 18 years. It is not possible to apply for business accounts, deposit accounts, authorized representatives or minors.

Question 39

What do I have to do if I cannot add my Virtual Debit Card to the Google Pay on the day I order the card as intended?

Accepted Answer

You can select the Virtual Debit Card you have already ordered on the next banking day in your Banking-App in the "Manage Cards" section. Pleas click then" Add to Google Pay". Cards ordered during a weekend can only be selected and added to the Google Wallet the following Tuesday in the "Manage Cards" section. It is not required to order another card in this case.

Question 40

What should I do if I cannot select my account for Google Pay to create the Virtual Debit Card?

Accepted Answer

Currently, only one Virtual Debit Card is allowed per account. Therefore, please check under "Manage Cards" in the Banking App whether you have already created a Virtual Debit Card for your existing account. If you do not see the card under "Manage Cards" or the entry point for card creation in your Banking-App, please contact our Customer Service on +49 (0)69 5 8000 8000. We will be happy to check whether your account is eligible for the creation of a Virtual Debit Card.

Question 41

Which smartphones can I use for the app?

Accepted Answer

The app is available for smartphones with the Android operating system (from version 5.0) and for iOS (from version 11.0 and iPhone 5S or newer). The Banking-App is not available for smartphones with Blackberry operating systems or Windows-based smartphones.

Question 42

Which TAN procedures can I use for the banking app?

Accepted Answer

You can use the app with the photoTAN procedure. iTAN lists and the mobileTAN (release with an SMS) are no longer supported. For security reasons, the TAN must not be sent to the device with which the transaction is carried out via our banking app in mobile banking.* You have the option of installing the Commerzbank photoTAN app on your smartphone or tablet. You can download the photoTAN app for Android devices in the Play Store or for iOS devices in the Apple Store. The banking app can be used in combination with the photoTAN app using the App2App procedure on the same smartphone/tablet, This is of course covered by our comprehensive security guarantee. With the App2App function, the banking app uses encrypted communication with the photoTAN app in a protected environment to release your transfers easily, quickly and securely. If the security on the device is restricted by the user (e.g. by rooting the device and installing "Xposed"), the built-in protection in our app recognizes this and terminates the app immediately at startup without an additional notification message.  Alternatively, it is possible to use our Mobile Banking with a photoTAN reader. You can purchase a photoTAN reader from Commerzbank at the reduced price of 29.90 EUR. Step-by-step instructions on how to apply for the photoTAN procedure can be found here.  *(Commerzbank Online Banking Conditions 7.2 (2) "If a mobile device is used to receive a TAN via SMS, this TAN may not be used on the same device for online banking")

Question 43

How secure is the app?

Accepted Answer

The security of our apps is our top priority. Our systems are regularly checked and we continuously invest in the further development of our apps. In this process, state-of-the-art encryption methods and a variety of other precautions are used to provide our customers with the highest possible level of security. With the August update of the app, we comply with the new legal requirements of the EU-wide PSD2 directive for more security.

Question 44

Can I use the app on tablet?

Accepted Answer

When using a tablet, we recommend accessing Digital Banking via the website. The site has been graphically optimized for tablets.

Question 45

How does the photoTAN app transfer release work without a second device?

Accepted Answer

If you wish to release an action via photoTAN app in the banking app, you can do so by clicking on the "Release with photoTAN app" button. The click opens the photoTAN app. After you have checked the order details and confirmed the order, this starts encrypted communication between the apps, which transmits the order release. The prerequisite is that you have installed and activated the photoTAN app on the same smartphone as the banking app. You do not need a second smartphone for this process. Alternatively to the app-to-app method, you as a photoTAN user can continue to release transactions via a second device (reader or additional smartphone).

Question 46

Is the transfer release via photoTAN app secure without a second device?

Accepted Answer

Yes, the photoTAN app is provided with special protection and appropriate external encryption. The new release option makes the use of photoTAN within the banking app particularly convenient and secure, as our security guarantee applies to all transactions via photoTAN. Alternatively, the photoTAN user can also release his transactions via a second device (reader or another smartphone).

Question 47

Is it possible to login via biometric login?

Accepted Answer

Yes, you can use your fingerprint or face to securely and easily log in to the Commerzbank banking app.

Question 48

Does the app work on my modified smartphone?

Accepted Answer

Commerzbank develops and tests its apps exclusively for the Android and iOS operating systems. Smartphones that do not use the firmware provided by the manufacturer (so-called custom ROMs) may have functional limitations when using our apps. For security reasons, we generally advise against using our apps on devices with an operating system version not released by the manufacturer. Unfortunately, Commerzbank cannot provide support for our apps on smartphones with a Custom ROM.

Question 49

Why is there no preview function anymore?

Accepted Answer

The account preview in the banking app has been omitted because we now offer options for a particularly fast login instead. For example, you can set up a biometric login to securely log into your banking app with just one click and authorization via fingerprint or Face ID and view all your products at a glance. In this way, you can display not just part of your turnover, but all of it. We are also working on making other features available to you in the future that will give you a quick overview of your account transactions.

Question 50

Why can I no longer see the accounts of my third-party banks in Commerzbank Online Banking?

Accepted Answer

As part of the new EU Directive PSD2, we are currently revising the integration of third-party bank accounts into our Digital Banking. For this reason, the current function is not available to you in the online portal or in the app. We apologize for this. As soon as the function is available again, we will inform all customers accordingly.

Question 51

Current problems in the app

Accepted Answer

The app loads very slowly in some cases.   Isolated crashes of the app under Android.   Isolated problems with the biometric login on iOS and Android.   We are currently working hard to fix these problems and hope to be able to provide you with a new version of the app in the near future to fix these problems.

Question 52

How does this work exactly?

Accepted Answer

SwatchPAY works at all contactless cash registers that accept credit cards. Contact with the cash register is made via the NFC interface in the Swatch device. A virtual card number (token) is used in the watch. This only applies in connection with the watch on which Mobile Payment has been set up. The virtual card number cannot be used outside the Swatch watch.   Simply hold the Swatch watch up to the cash register terminal. If the transaction amount exceeds the contactless limit of over €50, you only need to enter the credit card PIN into the POS terminal. We have ensured this in very intensive tests. You can change the PIN of your card at any time and immediately in online banking and in the banking app itself.

Question 53

How can I tell if mobile payment is supported at the checkout?

Accepted Answer

Look for the Mastercard/VISA logo and the wave symbol. In the future, you will also find the logo for mobile payment at more and more checkouts.

Question 54

What are the requirements for SwatchPAY?

Accepted Answer

A Swatch watch that can be worn with an NFC interface (SwatchPAY), an account, online/mobile banking and a Commerzbank credit card.

Question 55

How do I register for SwatchPAY?

Accepted Answer

To register, you need a Swatch watch with portable SwatchPAY function and the "SwatchPAY" app. In addition, the NFC antenna of your watch must be activated using the SwatchPAY box. You can do this with the assistance of the Swatch vendor. If you bought your watch in the online Swatch Store, the NFC element will be activated on your device before the package is delivered. To add your credit card to SwatchPAY, simply follow the activation procedure: 1. register your profile, 2. confirm your email address, 3. scan / enter your credit card details, 4. verify your card with a one-time password via SMS or email. For this purpose, a cell phone number and/or an e-mail address must be stored in the Commerzbank online portal. You can find a detailed procedure in the video.

Question 56

Can I continue using SwatchPAY if my credit card is blocked?

Accepted Answer

No. If your credit card is lost or stolen, you must block it. Once the card is blocked, you can no longer use SwatchPAY. To make sure that you can check in the SwatchPAY app whether your blocked card status is inactive. The replacement card must be registered.   If the card is cancelled, the payment function in the Wearable will also expire on the cancellation date. You can also simply suspend and continue your SwatchPAY credit card token with the SwatchPAY app. With the app it is also possible to delete the card from your watch.

Question 57

My Wearable with SwatchPAY is gone What now?

Accepted Answer

You can have the payment function deactivated by calling the Commerzbank mobile payment hotline on +49 (0)69 66 57 12 00. With the SwatchPAY app you can also block the credit card token on your watch. You can simply continue to use it once your watch has been found.

Question 58

Does SwatchPAY cost money?

Accepted Answer

No. There are no fees for participating in SwatchPAY.

Question 59

Is SwatchPAY secure?

Accepted Answer

Yes, SwatchPAY uses a virtual copy (token) instead of your "real" credit card number. This is only valid in Wearable and cannot be used outdoors. The usual Commerzbank security guarantee applies to all payments with SwatchPAY. Commerzbank customers are not liable for damages unless they have acted with gross negligence or intent.

Question 60

Where can I get more information about SwatchPAY?

Accepted Answer

You can find much more information on the Internet. Further information.

Question 61

Was ist Mobile Payment?

Accepted Answer

Als Mobile Payment bezeichnet man das Bezahlen mit dem Smartphone. Ihr Smartphone wird damit zur Geldbörse für Ihre Kreditkarten und in Zukunft auch für weitere Zahlungsmittel. Im Gegensatz zu einer normalen Geldbörse sind in Ihrem Smartphone niemals die echten Kartendaten hinterlegt, sondern virtuelle Kopien. Mobile Payment funktioniert an allen kontaktlosen Kassen (mit NFC-Funktion) wie eine gewöhnliche Kreditkarte.

Question 62

Was bedeutet "kontaktloses Bezahlen", "kontaktlose Kreditkarte" etc.?

Accepted Answer

Beim kontaktlosen Bezahlen halten Sie Ihr Smartphone oder kontaktlose Karte ans Terminal, um eine Zahlung auszulösen. So geben Sie Ihr Zahlmittel nicht aus der Hand. Dabei gilt: Bei Zahlungen mit der Karte müssen Sie bei Beträgen über 50 € zusätzlich einen Kartenbeleg unterschreiben oder die PIN Ihrer Karte eingeben.

Question 63

Was ist Apple Pay?

Accepted Answer

Apple Pay ist eine Bezahllösung für Apple-Geräte, durch die Ihr iPhone, iPad oder Apple Watch zur Geldbörse für Ihre Kreditkarten und in Zukunft auch für weitere Zahlungsmittel wird. Im Gegensatz zu einer normalen Geldbörse sind in Ihren Apple Geräten niemals die echten Kartendaten hinterlegt, sondern virtuelle Kopien. An allen kontaktlosen Kassen funktioniert Ihr Smartphone mit Apple Pay wie eine gewöhnliche kontaktlose Kreditkarte.

Question 64

Welche Voraussetzungen müssen erfüllt sein, um Apple Pay zu nutzen?

Accepted Answer

Grundsätzlich benötigen Sie Folgendes:  Ein Apple Gerät. Die Hard- bzw. Software-Voraussetzungen finden Sie hier.  Eine Gerätesperre (Face ID, Touch ID oder die Geräte-PIN).  Aktivierung der NFC-Funktion auf Ihrem Gerät.    Für Kreditkarten der Commerzbank benötigen Sie zusätzlich:  Einen Online Banking Account der Commerzbank.  Die Mobile Banking-App.  Die Teilnahme am photoTAN Verfahren.  Eine gültige Mobilfunk-Nummer.    Sie haben noch kein Konto bei der Commerzbank? Eröffnen Sie jetzt das kostenlose Girokonto.    Für die Kreditkarten unserer Partner (TUI-, Bahn- und Tchibo) sowie für Businesskarten benötigen Sie eine gültige Mobilfunk-Nummer. Diese können Sie hier hinterlegen: www.commerzbank.de/sicher-einkaufen.

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