PayPal Launches First Contactless Mobile Wallet in Germany, Introducing Flexible In-Store Payments
Hey Payments Fanatic!
PayPal is rolling out its first-ever contactless mobile wallet in Germany this summer. Through the latest PayPal app, users can tap to pay in-store wherever Mastercard contactless is accepted, blending PayPal’s online power with offline shopping.
Another first for Europe, PayPal is launching “Ratenzahlung To Go”, letting German shoppers split in-store purchases into 3, 6, 12, or 24 monthly installments. Plus, in-app cashback offers sweeten the deal at select retailers.
Jörg Kablitz, Managing Director of PayPal Germany, Austria, and Switzerland, emphasized the shift: “Cash has a role to play, but many consumers and businesses are ready for innovative alternatives. Put simply, we believe PayPal is better than cash. Our app will make it easy and safe to pay with your phone in stores; it will give you more choice in how and when you pay; and even better-PayPal will help put money back in your pocket.”
This marks a significant step in PayPal’s European omnichannel push, driving convenience for users and new growth for merchants as digital wallet use soars.
Read more global payment industry updates below 👇 and I'll be back with more tomorrow!
Cheers,
INSIGHTS
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PAYMENTS NEWS
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GOLDEN NUGGET
𝐓𝐡𝐞 𝐂𝐚𝐫𝐝 𝐀𝐧𝐚𝐭𝐨𝐦𝐲 — 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐒𝐞𝐞 vs. 𝐖𝐡𝐚𝐭 𝐏𝐨𝐰𝐞𝐫𝐬 𝐈𝐭 by Pomelo 👇 Created by Arthur Bedel
Modern cards run deeper than numbers and chips. Behind every swipe lies a full-stack infrastructure — built for security, speed, personalization, and real-time control.
Every transaction activates a powerful backend system — authorizers, fraud models, tokenization engines, and compliance services — designed to respond within milliseconds, at scale.
𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐒𝐞𝐞 𝐨𝐧 𝐚 𝐂𝐚𝐫𝐝:
► Card Number (BIN)
► CVV
► Expiration Date
► Card Network (Visa / Mastercard)
► Cardholder Name
► Chip or Virtual Card
► Branding and Personalization
These are essential for visual identity and compliance, but they’re only the surface.
𝐖𝐡𝐚𝐭 𝐏𝐨𝐰𝐞𝐫𝐬 𝐚 𝐂𝐚𝐫𝐝 — 𝐁𝐞𝐧𝐞𝐚𝐭𝐡 𝐭𝐡𝐞 𝐒𝐮𝐫𝐟𝐚𝐜𝐞
► 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐨𝐫𝐞 – Configures credit rules, interest rates, balance logic, and usage limits.
→ Providers: Marqeta, Highnote, Experian, TransUnion®
► 𝐀𝐮𝐭𝐡𝐨𝐫𝐢𝐳𝐞𝐫 – Executes real-time decisioning on every transaction based on balance, fraud risk, merchant MCC, and network rules.
→ Providers: Visa DPS, Marqeta, Adyen, Checkout.com
► 𝐂𝐡𝐚𝐫𝐠𝐞𝐛𝐚𝐜𝐤 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 – Enables dispute resolution and evidence submission.
→ Providers: Verifi Inc. (Visa), Ethoca (Mastercard), Chargebacks911
► 𝐅𝐫𝐚𝐮𝐝 𝐏𝐫𝐞𝐯𝐞𝐧𝐭𝐢𝐨𝐧 – Uses ML and behavioral analytics to detect risk signals (e.g., velocity checks, device ID).
→ Providers: Sift, Forter, Ravelin Technology, Socure
► 3𝐃𝐒 (Three-Domain Secure) – Adds authentication during online checkout (compliant with PSD2).
→ Providers: G+D Netcetera, CardinalCommerce, GPayments
► 𝐓𝐨𝐤𝐞𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 – Replaces PAN data with merchant or network tokens, protecting card data.
→ Providers: Visa VTS, Mastercard MDES, VGS
► 𝐁𝐈𝐍 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 – Determines product logic, pricing, routing, and branding under Visa/Mastercard licenses.
→ Providers: Qolo, Marqeta, Galileo Financial Technologies
► 𝐂𝐥𝐞𝐚𝐫𝐢𝐧𝐠 & 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 – Automates reconciliation between issuer/acquirer and card networks.
→ Networks: VisaNet, Mastercard Banknet
→ Providers: FIS, Fiserv, Worldline
► 𝐂𝐚𝐫𝐝 𝐄𝐦𝐛𝐨𝐬𝐬𝐢𝐧𝐠 & 𝐋𝐨𝐠𝐢𝐬𝐭𝐢𝐜𝐬 – Manages physical card production and shipping.
→ Providers: IDEMIA
► 𝐃𝐚𝐬𝐡𝐛𝐨𝐚𝐫𝐝 & 𝐂𝐨𝐧𝐭𝐫𝐨𝐥𝐬 – APIs and real-time issuer interfaces for card lifecycle and operations.
→ Providers: Marqeta, Highnote, Unit, Paymentology
𝐂𝐚𝐫𝐝 𝐩𝐫𝐨𝐠𝐫𝐚𝐦𝐬 today are not just about plastic or virtual credentials — they’re API-driven, modular platforms connecting dozens of microservices.
A card may appear simple, but powering it is a full-stack orchestration of decision engines, compliance protocols, fraud defenses, and settlement systems — all in real time.
The real power lies beneath.
Source: Pomelo
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