We are now observing an interesting situation in Germany with two very different payment worlds. On one side, "large retailers" as you say: e-commerce, hotels, upmarket restaurants, petrol stations, supermarkets and department stores where debit and increasingly credit card acceptance is a given.
But in industry sectors where NFC and mPOS would actually show its strengths, such as fast food, public transport, hairdressers, tradesmen, independent newsagents, pubs or bars, or any catering at temporary events such as festivals, it is a crapshoot. Fast food places are often cash only and occasionally accept luncheon vouchers (Ticket Restaurant charges an extortionate 4.95% merchant fee, whereas debit cards would take less than 1%).
mPOS has been around for quite a while. Regulation (EU) 751/2015 hasn't changed the game either, so high banking fees are likely not the reason. It might be a culture of tax evasion in the hospitality industry. It might also be a result of the German mentality. Please excuse me for this oversimplification (I was born and grew up in Germany myself) but Germans just don't work as hard (and don't really want to either) as British or Polish people do and often settle for something that's probably not good, but good enough. This "I can't be bothered" attitude of some shopkeepers is really irritating. I'm not sure whether the rather small proportion of consumers who really do have higher expectations will have the stamina to push for change.
Interestingly the former UK Switch/Maestro scheme was as widely accepted in 2001 as girocard, the German domestic scheme suffering from lack of investment and innovation, is today (if we compare the merchant/inhabitant ratio). MaxFassbrause
The Verifone Carbon will indeed be a game changer at the Point of Sale. Ademola Adeleye