How does payment with Apple Pay work at the POS?
When paying with Apple Pay, shoppers simply hold their smartphone next to the POS while simultaneously confirming their identity, for example by placing their finger on the Touch ID. It is not necessary to enter a PIN here. Users can also pay for items in apps or online shops with Apple Pay.
How can Google Pay be used to pay at the POS?
As a general rule, any NFC-capable smartphone with the Google Pay app installed can be used to make a payment at brick and mortar retailers. All that shoppers need to do is hold their smartphone up to the retailer's terminal. In Germany, this is now considered the preferred payment method among the majority of cardholders – regardless of whether Google Pay or Apple Pay.
What is a credit card?
Credit cards are primarily aimed at the consumer credit business. Each card holder is typically as-signed a spending limit based on their credit rating. Purchases made throughout the month are then charged together in a single transaction, generally at the end of that month.