What is Apple Pay?
Apple Pay is a mobile payment as well as a digital wallet service that has been provided by Apple Inc. that let its users make payments in person, in iOS apps, as well as on the web. It is quite similar to those contactless payments that have been used in several different nations, with the addition of two-factor authentication through Touch ID, Face ID, PIN, or passcode.
Apple had also announced that there were about more than one million credit cards which had been registered on Apple Pay in the first three days of its availability. It then further makes it the largest mobile payment system in the US at the time. There were also about 220,000 participating vendors when the service was launched.
It digitizes as well as can also replace a credit or else the debit card chip along with PIN transaction at a contactless-capable point-of-sale terminal.
Apple Pay, on the other hand, does not require Apple Pay-specific contactless payment workstations; it works with any of the merchants that accept contactless payments.
Supported Device:
Apple Pay is supported on the iPhone, Apple Watch, iPad, and Mac
Device Compatibility:
The service is compatible with iPhone 6 and the newer models, iPad Air 2 and newer models, Macs with Touch ID, along with all the Apple Watches. On the other hand, users with the iPhone 5 and iPhone 5C can also use the service through an Apple Watch, however, it might lack Touch ID security.
Which Countries Have Access to Apple Pay?
The service is being originally launched in the United States and is available in several countries including the United Kingdom, Canada, Croatia, Australia, Brazil, the United Arab Emirates, Saudi Arabia, Russia, Kazakhstan, China, New Zealand, Singapore, Japan, Taiwan, Hong Kong, Macau, Georgia along with all countries in the European Economic Area (EEA).
What is the limit for Apple Pay?
Well, the good news is that there are no such limits for Apple Pay which other contactless card payments comprised of. This, in other terms, means that you can pay for your weekly shop, or fill your car up with fuel, all else with your iPhone or Apple Watch.
What are the Apps that support Apple Pay?
There are many different apps that support Apple Pay, covering travel apps, shopping apps, entertainment apps as well as service apps.
Some of the apps that support Apple Pay are as follows: Starbucks, British Airways, Deliveroo, Apple Store, Booking.com, StubHub, Topshop, Zara, ASOS, Uber, Emirates, DesignMyNight, Made.com and much more.
How to set up Apple Pay on your Devices?
The first thing, which is also very compulsory to start the process, is to first update your Apple device to iOS 8.1. For safety measures, backup your phone to iCloud or iTunes.
After that you have to update your phone, go to Settings > General > Software Update. Now, download and install the update.
One must take note that your credit cards are managed within Passbook, so you have to open that up. With the update, you are going to see a new option in order to add credit as well as debit cards. Apple, on the other hand, made it pretty easy to link whatever credit card you use with iTunes to your Passbook. All you need to do is to just have to enter your security code in order to verify the card.
In case of any other credit cards, you can type in the number or else you can use the camera in order to scan the card. If you have numerous cards in Passbook, then you can change the default credit card linked with payments by just simply going to Settings > Passbook & Apple Pay.
Conclusion
Overall, Apple Pay is very secure and it doesn’t save your transaction information because of which your private information doesn’t leak out. In addition to that Apple Pay also doesn’t save your card numbers on its servers, however, your most recent purchases are kept in the Wallet app.
As per to Apple, the Device Account Number is assigned, encrypted, as well as securely stored in the Secure Element, a dedicated chip in iPhone as well as Apple Watch, and when a payment is done, the token is passed to the retailer or the merchant. So, you don’t have to worry about any security concern and feel free and safe to enjoy the services.
