🇩🇪 Found the reason of frequent Maestro rejections in Germany

Heiko-Hartwig

Jakob So yes: unfortunately there are girocards with NFC.

I've made the experience that my card (ING Germany) is not working contacless with my SumUp 3G device. Any idea why this is the case?
I guess it is due to the fact that SumUp 3G supports only Maestro contactless and that my card is only for Girocard contacless?

ThatOneAss

Heiko Hartwig SumUp doesn’t accept girocard in any form... Besides, how do you know this card is also Maestro contactless?

Jakob-Y

Heiko Hartwig Good question. Is SumUp actually working with girocards, i.e. are the transactions really handled via the girocard network, or do they use Maestro and V-Pay in the background? Because while their website lists the very old "EC"-Logo (which actually belongs to Mastercard, not the DKW), and also speaks about fees for "EC-Karten", in the support pages they never say anything about girocard acceptance.

So my theory is: They put the EC-Logo on their website and on their shop stickers in order to not confuse the average consumer who doesn't know anything about payment networks, but actually process transactions via Maestro and V-Pay.

As pretty much all German cards are co-branded with one of these, that would still just work fine as long as Chip+PIN is used. Maybe this model breaks down when contactless is used, where the card only includes girocard functionality.

Edit: Ok Roland confirmed what was my suspicion.

Heiko-Hartwig

Roland
No, this isn't what I think. I guess contacless works with Girocard only.

I can use my Girocard in my SumUp 3G using chip & pin. But I guess this is possible due to the fact that my ING card is also a Maestro.

ThatOneAss

Heiko Hartwig SumUp DOESN‘T support girocard, whether it’s Chip& and PIN or contactless, and they never will. I also own one and whenever you use a co-branded girocard, it uses either Maestro or V Pay. You‘re free to contact their support for the confirmation...

Heiko-Hartwig

Roland You‘re free to contact their support for the confirmation...

Chill out and read:

Heiko Hartwig I can use my Girocard in my SumUp 3G using chip & pin. But I guess this is possible due to the fact that my ING card is also a Maestro.

I can use my ING card (picture see above) in the SumUp card reader. And I already had the idea that this is possible as payment goes thru Maestro in that case but I have to Chip & PIN (EMV).

Jens-Blue-Owl

Max Beim Hofcafé Mutter Fourage in Wannsee ist mir heute die erste Zahlung mit Apple Pay geglückt. Da das Terminal keine Mastercard/VISA akzeptiert, war das bislang nicht möglich. Mit bunq virtual Maestro hat es funktioniert.

Nach meiner Info ist bunq in Deutschland bis jetzt der einzige Anbieter, der Maestro für Apple Pay anbietet. Solange das so bleibt, habt Ihr mich als Kunden sicher!

Maximilian-Teal-Zebra

Jens Revolut sagt sie werden es bald unterstützen, bisher nur VISA und Mastercard...komischerweise hat es bei ein paar Leuten laut Facebook Gruppe schon geklappt die Maestro hinzuzufügen...Im Gegensatz zu bunq kann man Revolut aber ohne Monatsgebühr bekommen

Michael-ERL

Interesting to read the differences even within Germany. Here at my home city, every shop that takes cards, accepts at least this range:
GiroCard, MasterCard, Visa, Maestro. As VISA is being accepted Vpay may be accepted too, but it is often not shown at the door or the checkout. More and more retailers even accept Amex. I never experienced "GiroCard only" in the last two or three years, even my barber or bakery take MC/VISA.

Arcardy

Michael In my homecity (and neighbour city) 90% of all shops that aren't a big brand (like McDonalds Rewe Penny) only accept girocard. That includes all bakerys and nearly all pharmacy shops. And ticket machines for parking areas. We have 15.000 people living in our small city.

Arcardy

Bernd (Hamburg) DE 🇩🇪 Die Postfiliale in Neheim (eine Postbank Filiale aber die machen ja auch Postdienstleistungen) haben einen Maestro und einen V Pay Aufkleber an der Tür. Es wird aber nur girocard genommen. Habe meine bunq Maestro gesteckt:"Bitte Magnestreifenleser nutzen" hat es gesagt. Habe ich dann gemacht, dann hieß es "Vorgang nicht möglich". Die Kassierer hat gesagt "Nur deutsche EC Karten" und hat mich dann echt noch zum Geldautomaten geschickt.

Petervdv

Arcardy 🇩🇪🇬🇧🏳️‍⚧️ Sounds like country discrimination from that shop. Isn't that prohibited?

Michael-ERL

Petervdv 🏳️‍🌈 nope, there is no "discrimination" just the acceptance of only one scheme. in this case the by far leading scheme in Germany: GiroCard. Other retailers don't accept GiroCard, i.e. if they use SumUp as their payment solution.

Jakob-Y

Petervdv 🏳️‍🌈 Google Translate translates „EC-Karte“ to „debit card“. Here the cashier meant the „Girocard“ system.

Petervdv

Michael Okay. Other thing: GiroCard isn't Maestro right? So if a shop has a Maestro sticker but only accepts GiroCard, that is incorrect?

Heiko-Hartwig

Petervdv 🏳️‍🌈 Klar, da bin ich bei dir.

Michael-ERL

Petervdv 🏳️‍🌈 That's a question I was wondering myself... Normally it is forbidden by the payment scheme operators like VISA (also Vpay), Amex, MasterCard (also maestro), EuroKartensysteme (for Girocard) to use logos of their brands if the retailers does not accept them.

A few years back, there were hotlines for customers that had to complain about advertised but not real acceptance of MC/Visa. Don't know if it is still the case.

PLB42

Petervdv 🏳️‍🌈 Yup, they have their own logo, on both shops and cards.