Apple Pay: A Touchless Payment Technology For Apple Devices

Apple Pay is a touchless payment technology for Apple Devices. It is designed to move consumers from a physical wallet into a world where your debit and credit cards are on your iPhone or Apple Watch, allowing you to pay using your device instead of a card.

This feature is all you need to know about Apple Pay, including how it works, how to set it up, which banks support it and where you can use it.

Which banks and cards support Apple Pay?

Apple Pay supports most credit and debit card providers including Visa, MasterCard and American Express. Apple Apps Card also supported, not surprisingly.

You need to use a participating bank but most major banks now support Apple Pay. You can get full lists of all supported banks in each country by clicking on the relevant links below:

Does Apple Pay work with US federal payment cards as well?

Yes. Apple’s mobile payment system works with federal payment cards, including Social Security benefits and veterans paid via debit cards.

This includes the Direct Express payment network and government cards issued through GSA SmartPay. Apple Pay also supports transactions with the federal government, which means you can use Apple Pay to buy tickets and gift shop items at national parks, etc.

Where can you use Apple Pay?

Apple Pay works anywhere that accepts contactless payments. If you see the contactless payment symbol or the Apple Pay symbol next to readers at checkout, they will accept Apple Pay.

It is supported by hundreds of thousands of shops and restaurants around the world. Apple Pay is supported by over 75 per cent of US stores and restaurants and over 85 per cent in the UK. Australia is supported in 99 per cent of its stores and restaurants.

Some US stores and restaurants that accept Apple Pay include: Bloomingdales, Disney, Duane Reade, Macy’s, McDonalds, Nike, Petco, Staples, Subway, Unleashed, Walgreens, Whole Foods, etc. Full list of stores here.

The UK has established a contactless payment system and you will be able to use Apple Pay at all the shops and restaurants you already use without touch.

You can also use Apple Pay within many apps and through Safari’s web browser, as well as public transport and at a number of non – profit organizations such as Cancer Research UK, RSPCA, WaterAid and WWF, among others.

Is there a limit to Apple Pay?

Unlike contactless card payments which limit spending to £ 100, there is no limit for Apple Pay. It means you can pay for your weekly shop, or refuel your car, all with your iPhone or Apple Watch.

Which apps support Apple Pay?

Apple Pay is supported by many apps, which include travel apps, shopping apps, entertainment apps and service apps.

Here are some apps that support Apple Pay: Adidas, Bloom & Wild, Starbucks, Deliveroo, Apple Store, Topshop, Zara, ASOS, Uber, British Airways, Booking.com, Emirates, StubHub, DesignMyNight, Made.com.

How to set Apple Pay on iPhone or iPad

On your iPhone, open Wallet. On your iPad, go to Settings> Wallet & Apple Pay. Tap Add Credit or Debit Card or the “+” in the upper right hand corner and hit “Continue”. You can use your device’s camera to capture the information on your credit, debit or store card. Then fill in any additional information required.

Your bank will verify your information. You may need to provide additional verification that will require you to call your bank, or receive a text message with a unique code that you must enter. The process varies depending on the bank. After verifying your card, tap Next, and then you can start using Apple Pay.

How to set Apple Pay on Apple Watch

To set Apple Pay on the Apple Watch, you will first need to open the Watch app on your iPhone. Make sure you’re in the My Watch tab (bottom left)> Scroll down to Wallet & Apple Pay> Tap Add Card

Like the iPhone, your bank will verify your information. You may need to provide additional verification again. You will receive a notification on your Apple Watch that your card is ready for Apple Pay.

What is a Rapid Travel Card?

Apple Pay offers an Express Travel Card feature, which lets you select a card you have set to work automatically when you are near a supported public transport reader. Whichever card you choose will be used to pay for your travel without having to press the side button or home button twice on an iPhone or Apple Watch.

How do you use Apple Pay on iPhone?

Apple Pay requires Near Field Communication (NFC) antenna and Touch ID or Face ID on iPhone 6 and later. It will depend on your iPhone for how you send Apple Pay. All transactions must be authorized with Touch ID, Face ID or your passcode.

For iPhones with Touch ID, tap the Touch ID home button twice and keep your finger on it until your screen says “Keep Near Reader”. If your fingerprints are not recognized, you can select the “Pay by Passcode” option.

For iPhones with Face ID, press the sleep / wake button twice to the right of your iPhone to launch Apple Pay. Authorization will then be done via Face ID, or you can select the “Pay by Passcode” option if your face is not recognized. Once authorized, your screen will again say “Keep Near Reader”.

When your iPhone says hold near the reader, you can place your iPhone near a terminal without touch and subtle vibration or ping if your phone is not silent, the payment confirms. A receipt is recorded in the Wallet app so you can see the latest transactions. No need to open an app or pop up your iPhone display to launch Apple Pay, no matter what iPhone model you have.

How to use Apple Pay with Watch

To launch Apple Pay on your Apple Watch, double-click the button next to the Digital Crown. Your default payment card will appear on your Apple Watch screen with “Keep Near Reader Paid” below, after which you can hover your watch up to the payment terminal and a pulse and beep will confirm your payment. gone through.

If you slide right to left on your Apple Watch display, any other cards you have registered will be presented.

How to change your default card on Apple Pay

To change your default Apple Pay card, go to the Settings app on your iPhone and scroll down to Wallet & Apple Pay. On this screen, you will see a list of settings under the heading “Transaction Default”.

The first setting is “Default Card”. Click on this and you can select the card you want as your default Apple Pay card, although it’s pretty easy to switch between them when you send Apple Pay.

How to use Apple Pay within Apps

Apple iPhone apps also work with Apple Pay, which means you can select Apple Pay at checkout when ordering anything from an app. You still need to put your finger on Touch ID, or use Face ID, while paying.

You can also use Apple Pay through the Safari browser. You can use Touch ID if your MacBook Pro has Touch Bar or pay through your iOS device. To use Apple Pay on a Mac without Touch ID and confirm payment via your iPhone, go to Settings> Wallet & Apple Pay> Toggle Allow Payments on Mac at the bottom of the display.

Where is Apple Pay available?

Apple Pay is available in over 40 countries. These include the USA, UK, Canada, Australia, UAE, China, New Zealand, Singapore, Japan, Taiwan and Hong Kong as well as many other countries.

Which devices work with Apple Pay?

Apple Pay works with the following Apple devices:

Apple iPhone 6 or iPhone 6 Plus and newer models
Apple iPad Pro, iPad Air 2 and iPad mini 3 and newer
Apple Watch Series 1 and newer (when paired with an iPhone 5 or newer)

Is Apple Pay secure?

Yes. Apple said it does not save your transaction information or card numbers on its servers, although your latest purchases are stored in the Wallet app.

Apple Pay, which has signaling engine infrastructure, makes secure card payments by creating a number or token that replaces your card details. Specifically, it creates a Device Account Number for each of your cards.

According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch, and when done

To initiate payment, the signal is forwarded to the retailer or seller. So the retailer or buyer never has direct access to your card details.

What if you lose your iPhone or Watch?

Losing your iPhone or Watch is enough, but with Apple Pay, the chances of that happening were much more frightening.

Because all Apple Pay transactions must be authorized with your fingerprint, face or passcode, the recipient of your iPhone will not be able to pay for anything if it does not have your passcode. They will be able to see your billing address and the last four digits of your stored cards, but without further information.

Find My can be used from another iOS device to put your device in Lost Mode. This will lock everything and prevent others from accessing your content including Apple Pay or Wallet data. You can also use the Find My app to completely clean your iPhone.

Apple Pay: A Touchless Payment Technology For Apple Devices

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