#smartpay

Living in the UAE, there is a wide variety of ways that you can pay for your goods and services. Most obvious is paying with your physical credit card. Whether you are a Deem Finance Platinum credit card holder, an Emirates NBD Titanium card holder, or something else, we are sure that you are heavily relying on your physical credit card to make your daily purchases. It’s such a natural habit that, in all likelihood, you don’t even think about it.

That said, we are now part of a digital-first world. Smart payments is one of the fastest-growing and most exciting ways to pay for many things in your day-to-day life. By leveraging the Internet and near-field communication (“NFC”) technology, you can more easily pay for your goods and services. Moreover, you can easily monitor your purchases and identify where most of your cash is going.

In this post, we want to highlight some of the smart payments solutions that you can find in the UAE. At the end, you will have a better understanding of how you can leverage smart payments in your own life.

Apple Pay

To start, one of the most prominent smart payment methods in the UAE (let alone the world) is Apple Pay. Apple Pay is a fantastic way to pay for many types of goods or services in your daily life. Even better, Apple Pay works with many major credit and debit cards that are made available from UAE banks. Some of those banks include Abu Dhabi Commercial Bank, Emirates NBD, and Sharjah Islamic Bank. Whether you just purchased an iPhone or have been an Apple power-user for some time, you’ll be sure to enjoy Apple Pay.

Samsung Pay

Along with Apple Pay, Samsung Pay is prominent in the UAE. According to the company, Samsung Pay is “accepted at more places than any other mobile payment service out there.” Essentially, you can use Samsung Pay basically anywhere that you can swipe a card (along with mobile and Bixby retailers). With Samsung Pay, you can easily select your preferred credit card on your Samsung mobile device, verify your fingerprint, place the device over the retailer’s card reader, and pay for your purchase. Supporting banks and financial institutions include Noor Bank, Ajman Bank, Emirates NBD, and more.

Google Pay

Google is not only a juggernaut in the world of online search engines. The Silicon Valley giant has created Google Pay, which lets you pay on sites, in apps, and in stores with credit cards that are saved to your Google account. Compared to its main rivals in Apple and Samsung, Google Pay prides itself on security and ease of use. Because you are likely using many Google products in your daily life, Google Pay can be a compelling option. Like the others listed above, supporting banks in the UAE include well-known financial institutions like Mashreq, Emirates NBD, and RAKBANK.

Contactless Payments

Finally, another smart payment solution in the UAE centers on contactless credit cards. Instead of opening an app, you take out your credit card (a Visa card, for instance) and simply tap to pay. Tap to Pay with Visa, for example, lets you more quickly use your Visa card with millions of merchants around the world. Contactless payment solutions are yet another way to keep your cash in your wallet and pay for your items more easily and more securely. In fact, with Tap to Pay with Visa, you can even pay for your next meal or purchase with your smartwatch. It’s almost like magic.

Embracing the Smart Payments Revolution

Ultimately, we believe that smart payments are here to stay. Whether you are a passionate Apple or Samsung user or simply want to make the payment process easier, we encourage you to check out the options above. Each of them has their pros and cons, so you’ll want to complete some more due diligence before you make your decision.

Seit dem 22. März können Autofahrer an 1.500 Shell-Stationen deutschlandweit mit ihrem Smartphone die Tankrechnung direkt an der Zapfsäule bezahlen. Dabei kooperiert Shell mit dem Payment-Dienstleister PayPal. Der Einführung ging eine erfolgreiche Testphase in Hamburg und Berlin voraus.

台灣晶片金融卡跨國日本ATM提款-新增機場和超商據點

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小編最近迷上挑戰東京一日生活圈 發現日本太好買了，竟然帶不夠錢!!!!! 好家在 日本現在可以直接用台灣的金融卡提款了 上網查了一下，不得了 現在東京、京都、大阪及北海道…地區的便利商店 像是Circle K Sunkus 以及部份的全家便利店 超過700台ATM都可以提領耶， 跟大家分享這個好用資訊

由金融卡Smart Pay 貼上了 2017年1月25日

台灣晶片金融卡(非 MastersCard/VISA Debit Card) 在日本的ATM 提領日幣鈔票， 現在多了幾個據點可以選擇。 除了多年前已的北海道新千歲機場和Sunkus及Familymart便利商店超商。 去年底到今年初開通， 東京，大阪京都的Circle K及Sunkus便利商店， 以及成田國際機場，仙台國際機場， 也都可以使用有台灣晶片金融卡標識的ATM提款日幣了。

資料來源： MOOK 景點家的文章： 日本五大必逛購物熱點 便利商店也能輕鬆領錢

自2016年11月底起， 東京、京都及大阪超過五百家的Circle K及Sunkus便利商店已可就近使用金融卡提領日幣現金， 而今年不僅1月份開始， 北海道陸續新增共168家的Sunkus及Familymart可供提款， 1月23日起於仙台國際機場、1月27日起於成田國際機場也都設置了可提領日幣的ATM。 出國前，別忘了先向發卡銀行開啟「晶片金融卡跨國提款」功能唷！

然後， 台灣晶片金融卡跨國日本ATM提款的相關完整訊息， 可以查閱官方網站日本專區， 以及晶片金融卡跨國提款及跨國消費扣款業務問與答。

使用國內16家開辦銀行， 如：台灣銀行，土地銀行、合作金庫、等 發行之的晶片金融提款卡， 並向發卡銀行確認金融卡是否已開啟"跨國服務功能"， 即可持卡至日本當地指定ATM提款。

使用輸入密碼即為晶片金融卡之提款密碼， (6-12 位數字密碼)。 採計匯率為臺灣銀行交易前一日下午2時30分 牌告現金賣出匯率， 並加計提款手續費為150日圓+交易金額*0.8％ (最低收390日圓)。

台灣晶片金融卡可以在香港ATM跨國提款

財金資訊官方新聞稿： 貼有台灣晶片金融卡icon標誌的ATM， 即可使用金融卡「提領港幣現鈔」及「餘額查詢」。

而跨國香港ATM提款的相關完整訊息， 可以查閱官方網站港澳專區。 使用國內15家開辦銀行， 如：台灣銀行，土地銀行、合作金庫、等 (台灣銀行用戶還要等到三月初，兆豐銀行還沒開放。) 發行之的晶片金融提款卡， 並向發卡銀行確認金融卡是否已開啟"跨國服務功能"， 即可持卡至香港當地指定銀行ATM提款。 如：中國銀行(香港)，東亞銀行，集友銀行等。

使用輸入密碼即為晶片金融卡之提款密碼， (6-12 位數字密碼)。 採計匯率為臺灣銀行前一營業日14:30， 牌告現金賣出匯率再減碼千分之一。 而2月底前為了鼓勵國人踴躍使用， 提供早鳥優惠折扣：「跨境提款手續費5折」 (即每筆交易僅新台幣50元)。