The beauty of Apple Pay is that it is classically "Apple". Simple and elegant, it combines the technology you already own (a Touch ID or Face ID iPhone or iPad or an Apple watch) with a one-step payment process, all wrapped in watertight security, more secure than traditional Chip and PIN .
what is apple pay
Apple Pay is a contactless payment technology for Apple devices. It's designed to drive consumers away from wallets and into a world where their debit and credit cards are on their iPhone or Apple Watch, allowing you to pay using your device instead of a card.
How Apple Pay Works
Simply place the top of your iPhone screen near any NFC card terminal and put your finger on the touch ID sensor of your phone. If you're using an iPhone X, iPhone XS, or other devices with Face ID, just take a look at your phone.
But first, you need to configure Apple Payment, which is a fairly simple process. Here are the steps you need to follow to enable this easy payment method.
Supported Apple Pay Devices
Apple Pay is supported on most devices – iPhone models from iPhone SE to current iPhone 11 are supported and all Apple watches support Apple Pay. All recent iPads, from the current generation to the fifth generation iPad, iPad Pro, iPad Mini 3 and 4, and iPad Air 2, all work with Apple Pay. As for Macs, if your computer is capable of running macOS Sierra or later, you are ready.
Banks that support Apple Pay
Apple Pay is supported by most financial institutions and credit card companies in the United States. Apple provides an up-to-date list of all financial institutions that accept Apple Pay.
Apple Pay compatible stores, websites, and apps
Apple Pay is supported by hundreds of brands and websites, including 7-Eleven, GameStop, Etsy, Staples, Fandango, among others, being added all the time. You can find the current list of supported resellers here or visit our comprehensive list of companies that accept Apple Pay here. Many third party applications also allow you to use Apple Pay. You can see some of these apps here. Of course, if you buy apps or other digital items from Apple, you can still use Apple Pay to buy music, movies, apps, books, and more.
Is there a limit on Apple Pay?
No. Unlike contactless card payments, which limit you to spending £ 30, there is no limit to Apple Pay.
That means you can pay for your weekly store or fill your car with fuel, all with your iPhone or Apple Watch.
How to set up Apple Pay
You can add up to eight Apple Pay cards to your various supported devices. If you want to use Apple Pay with multiple devices, add card information separately for each device.
How to add cards to iPhone and iPad
- On your Iphone, open the Wallet app. On your iPad, go to Settings> Wallet and Apple Pay. Tap the plus sign and tap Continue to start adding your credit or debit card to Apple Pay. Add a credit or debit card.
- To add the card, position it on the board. The app automatically checks the front number of your card and saves it on the Card Details page. Tap on Next.
- Use the scroll wheel to save your card's expiration date and enter the security code.
- Tap on Next.
- The Add Card screen appears when Apple Pay contacts your bank to verify your card. When this is done, you will receive a Terms and Conditions page on which you must agree.
- The Add Card page and the Card Verification page appear one after the other with your email address and phone number.
- You have the option of verifying your card by phone or completing verification later.
- You may be asked to contact your bank to complete the verification process. When verification is complete, press Next and you are ready to use Apple Pay.
- A set of instructions appears to explain how to use Apple Pay with card readers. Press continue.
- You can continue adding your card to Apple Watch by pressing Add Now. If you do not want to add an Apple Watch, tap Done.
How to set up Apple Pay on an iPhone or iPad
You must use the Apple Wallet app to set up Apple Pay on your iPhone or iPad. Apple Wallet will store your credit and debit cards, extracting data when you authenticate Apple Pay to pay for the goods.
On your iPhone, open the Wallet app. On your iPad, go to Settings> Wallet and Apple Pay. Touch Add a credit or debit card. You can use your device camera to capture your credit, debit or card information. Then fill in the additional information as needed.
Your bank will verify your information. You may need to provide additional verification, which may require you to call your bank, or you may receive a text message with a unique code that you will need to enter. The process varies depending on the bank.
Once your card has been verified, press Next and you can start using Apple Pay.
How to set up Apple Pay on Apple Watch
To set up Apple Pay on Apple Watch, you must first open the Watch app on your iPhone. Make sure you're on the My Watch tab (bottom left)> scroll down to Wallet and Apple Pay> touch Add Card.
As with iPhone, your bank will verify your information. You may need to provide additional verification again. You will receive a notification on Apple Watch that your card is ready for Apple Pay.
How do I use Apple Pay on iPhone?
Apple Pay requires Near Field Communication (NFC) and Touch ID or Face ID on iPhone 6 and later. This will depend on the iPhone you need to start Apple Pay. Each transaction must be authorized by Touch ID, Face ID or your access code.
For Touch ID iPhones, press the Touch ID Home button twice and keep your finger on it until the screen shows “Hold near the reader. If your fingerprint is not recognized, you can choose the "Pay with Access Code" option.
For Face ID iPhones, press the sleep / wake-up button on the right side of your iPhone twice to launch Apple Pay. Authorization will be done through Face ID, or you can choose "Pay with PIN" if your face is not recognized. After authorization has been granted, your screen will display "Hold closed reader" again.
When your iPhone says "Hold Near Reader", simply place it near a contactless terminal and a subtle vibration will confirm the payment. A receipt is saved in the Wallet app so you can see your most recent transactions. You don't need to open an app or activate the iPhone screen to launch Apple Pay no matter which iPhone model you have.
How to use Apple Pay with Watch
To start Apple Pay on your Apple Watch, double-click the button below the Digital Crown. Your default payment card will appear on the Apple Watch screen with the words "Hold near reader to pay" below. After that, you will be able to put the clock on the payment terminal and a beep will confirm that the payment has been made.
As you swipe right to left on the Apple Watch screen, you will see all other registered cards.
How to use Apple Pay in apps
A growing number of applications support Apple Pay. You'll know if you can use the service when you see the button during payment or if Apple Pay is one of the optional payment methods.
- To use the default card, double-click the side button and keep Apple Watch displayed inches from the contactless reader.
- Wait until you feel a light touch.
Pay with a different card instead of the default card
Here's how to exchange cards:
- iPhone X or later: Double-click the side button. When the default card appears, tap it and then tap to choose another card. Look at your iPhone to authenticate with Face ID and hold the top of the device near the reader to pay.
- iPhone 8 or earlier: Keep your device close to the player without touching Touch ID. When the default card appears, tap it and tap to choose another card. Put your finger on the Touch ID to pay.
- Apple Watch: Double-click the side button. When the default card appears, drag left or right to choose another card. Keep your watch close to the reader to pay.
Pay on the web in Safari
With your iPhone, iPad, and Mac, you can use Apple Pay to pay on the web in Safari.
With your iPhone or iPad
- Press the Apple Pay button.
- Check your billing, shipping, and contact information to make sure it is correct. If you want to pay with another card, tap next to your card.
- If necessary, enter your billing, shipping, and contact information. Apple Pay will store this information so you don't have to enter it again.
- When you're done, make your purchase and confirm the payment.
– iPhone X or later or iPad with Face ID: Double-click the side button and use the Face ID or your access code.
– iPhone 8 or earlier or iPad without Face ID: Use the Touch ID or your access code.
– Apple Watch: Double-click the side button.
- When your payment is successful, you will see Done and a check mark on the screen.
Make a payment using Mac
It's almost the same as using Apple Pay on a MacBook Pro, except for a few small details.
- Sign in to the same iCloud account as your iPhone, iPad, or Apple Watch.
- Turn on Bluetooth so your Mac can use any credit or debit card added to your iOS or Apple Watch device.
- Press the Buy with Apple Pay or Apple Pay button and verify your information or change cards as you would on a MacBook Pro.
- To pay, put your finger on the Touch ID sensor on your iPhone or double-click the side button on Apple Watch. When your payment is successful, you will receive a message and a check mark.
Apple Cash is not available on macOS.
With other Mac models
- You need an iPhone or Apple Watch to confirm payments. Make sure you are signed in with the same Apple ID on all your devices.
- Make sure Bluetooth is enabled on your Mac.
- Tap the Apple Pay button.
- Check your billing, shipping, and contact information to make sure it is correct. To pay with a different card instead of the default card, click next to the default card and select the card you want to use. You can choose credit and debit cards or Apple Cash on any nearby iPhone or Apple Watch that is connected to the same iCloud account.
- If necessary, enter your billing, shipping, and contact information. Apple Pay will store this information on your iPhone so you don't have to retype it.
– When ready, make your purchase and confirm payment.
– iPhone X or later: Double-click the side button and use the face ID or your passcode.
– iPhone 8 or earlier: Use the Touch ID or your access code.
- Apple Watch: Double-click the side button.
- When your payment is successful, you will see Done and a check mark on the screen.
Is Apple Pay secure?
Yes, Apple has indicated that it does not store your transaction information or card numbers on its servers, although your latest purchases will be stored in the Wallet app.
Apple Pay, which has a token-based infrastructure, protects card payments by creating a number or token that replaces card data. Specifically, it creates a device account number for each of its cards.
According to Apple, the Device Account Number is assigned, encrypted and securely stored on Secure Element, a dedicated chip on iPhone and Apple Watch, and when a payment is initiated, the token is transmitted to the retailer or merchant. Therefore, the retailer or merchant never has direct access to your card details.
Walmart accepts Apple Pay
If you want to make payments from your iPhone at Walmart, your only option is to download and use the Walmart app. This is unlikely to change anytime soon, so we'll explain below how to use Walmart Pay.
Pay for iMessage
With modern iPhones, you can also send payments directly through iMessage. Just tap the "A" symbol to the left of the text box in your conversation and then tap the Apple Pay icon.
Then enter the amount you want to send and approve the payment.
Apple Pay: What if you lose your iPhone or watch?
Losing your iPhone or watching is stressful enough, but with Apple Pay, the chances of it happening are even more daunting.
Because all Apple Pay transactions must be authorized by your fingerprint, face, or passcode, the person who finds your iPhone cannot pay for anything without your passcode. They will be able to see your billing address and the last four digits of your stored cards, but there is no further information.
Find My iPhone can be used on another iOS device to put the device in lost mode. This will block everything and prevent others from accessing your content, including Apple Pay or Wallet data. You can also use Find My iPhone to completely clean your iPhone.
How to check Apple Pay Wallet transaction history
You can check your recent transactions by opening the Wallet app. Initially, you will only see the last transaction made with a card. To see more, touch the card and the "i" icon, and touch the Transactions tab.
Walmart does not accept Apple Pay. The only mobile payment system you can use at Walmart is Walmart Pay, which is tied to any Walmart credit, debit, prepaid or gift card.
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Image and article credit: Apple