The beauty of Apple Pay is that it is classically ‘Apple’. Simple and elegant, it combines the technology you already have (an iPhone or iPad with Touch ID or Face ID, or an Apple watch) with a one-step payment process, all wrapped in watertight security that’s more secure than traditional Chip and PIN.
what is apple pay
Apple Pay is a contactless payment technology for Apple devices. It was designed to take consumers away from physical wallets and 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.
How does apple pay work
Simply place the top of your iPhone’s screen near any NFC card terminal and place your finger on your phone’s Touch ID sensor. 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 set up Apple Pay, which is a fairly simple process. Here are the steps you need to follow to activate this easy payment method.
Supported Apple Pay devices
Apple Pay is supported on most devices – iPhone models from the iPhone SE to the current iPhone 11 are supported and all Apple watches support Apple Pay. All recent iPads, from the current generation up to the fifth-generation iPad, iPad Pro, iPad Mini 3 and 4, and the iPad Air 2 all work with Apple Pay. As for Macs, if your computer is capable of running macOS Sierra or newer, you’re good to go.
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.
Stores, Websites, and Applications that Support Apple Pay
Apple Pay is supported by hundreds of brands and websites, including 7-Eleven, GameStop, Etsy, Staples, Fandango, and more are being added all the time. You can find the current list of supported retailers 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 view some of these applications 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 for Apple Pay?
No. Unlike contactless card payments, which limit you to a £30 spend, there is no limit for Apple Pay.
That means you can pay for your weekly shop or fill up 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 on your various supported devices. If you want to use Apple Pay with multiple devices, you must add your card information separately for each device.
How to add cards to iPhone and iPad
- On your iPhone, open the Wallet application. On your iPad, go to Settings > Wallet & Apple Pay. Tap the plus sign, then tap Continue to start adding your credit or debit card to Apple Pay. Add a credit or debit card.
- To add the card, position your card in the frame. The application automatically scans the front of your card for your number and saves it on the Card Details page. Tap Next.
- Use the scroll wheel to save your card’s expiration date and type the security code.
- Tap Next.
- The Add Card screen appears when Apple Pay contacts your bank to verify your card. When this is done, you will get a Terms and Conditions page where 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 choice to verify your card by phone or complete the verification later.
- You may be prompted 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 your Apple Watch by pressing Add Now. If you don’t want to add an Apple Watch, tap Done.
How to set Apple Pay up on an iPhone or iPad
You must use the Apple Wallet application to set up Apple Pay on your iPhone or iPad. The Apple Wallet will then store your credit and debit cards, pulling data when you authenticate Apple Pay to pay for goods.
On your iPhone, open the Wallet application. On your iPad, go to Settings > Wallet and Apple Pay. Tap Add a credit or debit card. You can use your device camera to capture your credit, debit, or store card information. The n, 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 is verified, press Next, and you can begin 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 application on your iPhone. Make sure you’re in the My Watch tab (lower left) > Scroll down to Wallet and Apple Pay > Tap Add Card.
As on 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.
How do I use Apple Pay on the iPhone?
Apple Pay requires NFC (Near Field Communication) and Touch ID or Face ID on iPhone 6 and later. This will depend on the iPhone you have to launch Apple Pay. Each transaction must be authorized by either Touch ID, Face ID or your access code.
For iPhones with Touch ID, press the Touch ID home button twice and keep your finger on it until your screen says “Hold Near Reader. If your fingerprint is not recognized, you can choose the “Pay with Access Code” option.
For iPhones with Face ID, press the sleep/wake button on the right side of your iPhone twice to launch Apple Pay. Authorization will then be via Face ID, or you can choose the “Pay with PIN” option if your face is not recognized. Once authorization has been granted, your screen will display “Hold the reader close” again.
Once your iPhone says “Hold Near Reader”, simply place your iPhone near a contactless terminal and a subtle vibration will confirm the payment. A receipt is saved in the Wallet application so you can see your latest transactions. The re’s no need to open an application or wake up your iPhone screen to launch Apple Pay, no matter what model of iPhone you own.
How to use Apple Pay with Watch
To launch Apple Pay on your Apple Watch, double-click the button below the Digital Crown. Your default payment card will appear on your Apple Watch screen with the words “Hold Near Reader to Pay” below, after which you can place your watch up to the payment terminal and a pulse and beep will confirm that your payment has been made.
As you slide from right to left on your Apple Watch screen, you will see all the other cards you have registered.
How to use Apple Pay in apps
A growing number of applications accept 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 your default card, double-click the side button and keep your Apple Watch display within inches of the contactless reader.
- Wait until you feel a light tap.
Pay with a different card instead of your default card
Here’s how to exchange cards:
- iPhone X or newer: Double-click on the side button. When your default card appears, tap it and then tap to choose another card. Look at your iPhone to authenticate with Face ID, then hold the top of your device near the reader to pay.
- iPhone 8 or earlier: Hold your device near the reader without touching Touch ID. When your default card appears, touch it, then touch to choose another card. Place your finger on Touch ID to pay.
- Apple Watch: Double-click the side button. When your default card appears, drag left or right to choose another card. Hold your watch near 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.5,6
With your iPhone or iPad
- Press the Apple Pay button.
- Check your billing, shipping, and contact information to make sure it’s 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 won’t need to re-enter it.
- When you’re ready, make your purchase and confirm payment.
– iPhone X or later or iPad with Face ID: Double-click the side button, then use Face ID or your access code.
– iPhone 8 or earlier or iPad without Face ID: Use Touch ID or your access code.
– Apple Watch: Double-click the Side Button.
- When your payment is successful, you’ll see Done and a checkmark 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 device or Apple Watch.
- Press the Buy with Apple Pay or Apple Pay button, then verify your information or switch cards as you would on a MacBook Pro.
- To pay, place 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’ll receive a message and a checkmark.
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 logged in with the same Apple ID on all your devices.
- Make sure you have Bluetooth enabled on your Mac.
- Tap the Apple Pay button.
- Check your billing, shipping, and contact information to make sure it’s correct. To pay with a different card instead of your default card, click next to your default card and select the card you want to use. You can choose credit and debit cards or Apple Cash from any nearby iPhone or Apple Watch that is connected to the same iCloud account.3
- If necessary, enter your billing, shipping, and contact information. Apple Pay will store this information on your iPhone, so you won’t need to re-enter it.
– When you’re ready, make your purchase and confirm payment.
– iPhone X or newer: Double-click the side button, then use Face ID or your access code.
– iPhone 8 or earlier: Use Touch ID or your access code.
- Apple Watch: Double-click the side button.
- When your payment is successful, you’ll see Done and a checkmark 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 last purchases are stored in the Wallet application.
Apple Pay, which has a token-based infrastructure, secures card payments by creating a number or token that replaces your card data. 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 a payment is initiated, the token is transmitted to the retailer or merchant. The retailer or merchant therefore never has direct access to your card details.
Does Walmart take Apple Pay
If you want to make payments from your iPhone in Walmart, your only option is to download and use the Walmart application. This is unlikely to change anytime soon, so we’ll explain below how to use Walmart Pay.
Pay by iMessage
With modern iPhones, you can also send payments directly via 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 watch is stressful enough, but with Apple Pay, the chances of that happening are even more frightening.
Since every Apple Pay transaction must be authorized by your fingerprint, face or access code, the person who finds your iPhone won’t be able to pay for anything without your access code. The y’ll be able to see your billing address and the last four digits of your stored cards, but no more information than that.
Find My iPhone 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 Find My iPhone to completely clean your iPhone.
How to check your transaction history In Apple Pay Wallet
You can check your recent transactions by opening the Wallet application. Initially, you will only see the last transaction made with a card. To see more, tap the card and the “i” icon, then tap the Transactions tab.
Walmart doesn’t take Apple Pay. The only mobile payment system you can use in Walmart is Walmart Pay, which is linked to any Walmart credit, debit, prepaid or gift card.
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Image and Article Credit: Apple