What is Apple Pay?
Apple Pay is a payments feature integrated into the Wallet app on your iOS device that lets you add your credit, debit and/or Chase Liquid cards to Apple Pay to make purchases at participating retailers in stores, using Near Field Communication (NFC) technology, or in app. It’s so simple, and so secure, that once you start to use Apple Pay, you’ll never want to go back. But before you can start walking through the checkout aisle with just your phone and without ever taking out your wallet, you need to set up Apple Pay.
In order to use Apple Pay, you need to make sure your device meets its requirements:
- An iPhone 6 or 6 Plus, or newer, running iOS 8.1, or newer.
- An Apple Watch.
- A credit or debit card issued by a participating bank. You can also use loyalty cards.
What is Near Field Communication (NFC) Technology?
Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Apple Pay uses NFC technology to transmit payment information from your phone to the contactless payment terminal.
How does Apple Pay Work?
Apple Pay provides the same benefits and protection as your physical card, with the convenience of making secure transactions on your iOS device. Use Apple Pay anywhere contactless payments are accepted and to make purchases in app with participating apps.
How to Set Up Apple Pay?
Once you know you meet the requirements:
- Begin the setup process by opening the Passbook app that comes built into the iOS.
- In the top right corner of Passbook, tap the + sign. Depending on what you already have set up in Passbook, you may need to swipe down a bit to reveal the + sign.
- Tap Set Up Apple Pay.
- You may be asked to log in to your Apple ID. If so, log in.
Add Credit or Debit Card Information
The next screen you come to in the Apple Pay setup process gives you two options: Add a new Credit or Debit Card or learn About Apple Pay.
Tap Add a new Credit or Debit Card.
When you’ve done that, a screen that allows you to enter the information about the card you want to use appears. Fill this out by typing in:
- Your name as it appears on your credit or debit card.
- The 16-digit card number. (Notice the camera icon on this line? That’s a shortcut that makes adding the card information much faster.)
- The card’s expiration date.
- The security code/CVV. This is the 3-digit code on the back of the card.
- When you’ve done those things, tap the Next button in the top right corner of the screen. If the company that issued you the card is participating in Apple Pay, you’ll be able to continue. If it’s not, you’ll see a warning to that effect and will need to enter another card.
Verify a Credit or Debit Card
If you tapped the camera icon in step 2, you’ll come to the screen shown in the first screenshot on this page. This feature of Passbook allows you to add all of your card information simply by using the iPhone’s built-in camera rather than typing it in.
To do this, line up your credit card in the frame shown on the screen. When it’s lined up properly and the phone recognizes the card number, the 16-digit card number will appear on the screen. With this, your card number and other information will automatically be added to the setup process.
Next, you’ll be asked to agree to Apple Pay’s terms. Do so; you can’t use it unless you agree.
After that, it needs to send you a verification code to ensure your security. You can choose to do this via email, text message, or by calling a phone number. Tap the option you want to use and tap Next.
Verifying and Activating Card in Apple Pay
Depending on what verification method you selected in the last step, you’ll get your verification code by email or text message. Or you’ll need to call the 800 number shown on the screen.
If you choose the first two options, the verification code will be sent to you quickly. When it arrives:
- Tap the Enter Code button in Passbook.
- Then enter the code using the numeric keyboard that appears.
- Now tap Next.
Assuming you’ve entered the correct code, you’ll see a message letting you know the card has been activated for use with Apple Pay. Tap Done to start using it.
Set Your Default Card for Apple Pay
Now that you’ve added a card to Apple Pay, you can start using it. But there are a couple of settings you may want to check out before you do.
Set a Default Card in Apple Pay
The first is to set your default card. You can add more than one credit or debit card to Apple Pay and if you do, you’ll need to decide which you’ll use by default. To do that:
- Tap the Settings app.
- Now you should choose Passbook & Apple Pay.
- Tap Default Card.
- Select the card you want to use as your default. There’s no save button. So once you have selected a card, that choice will remain unless you change it.
Enable Apple Pay Notifications
You can get push notifications about your purchases to help you track your spending. These notifications are controlled on a card-by-card basis. To configure them:
- Tap the Passbook app to open it.
- Then choose the card you want to configure.
- Tap the i button in the bottom right.
- Move the Card Notifications slider to On/green.
Remove a Card from Apple Pay
If you want to remove a credit or debit card from Apple Pay:
- Tap the Passbook app to open it.
- Then tap the card you want to remove.
- Now you should tap the i button in the bottom right.
- Swipe down to the bottom of the screen and tap Remove Card.
- Finally, you will be asked to confirm the removal. After that tap Remove and the card will be deleted from your Apple Pay account.
How do I Pay Using Apple Pay?
In order to make an in-store purchase with your iPhone, just hold your device near the contactless reader with your finger while holding down Touch ID. A subtle vibration and beep will confirm the transaction is complete. To make an in-store purchases with your iPhone X, double–tap the side button, then glance at iPhone X to authenticate with Face ID or enter your passcode. Hold the top of iPhone X within a few centimeters of the contactless reader until you see done and checkmark on the display.
To make an in-store purchase with your Apple Watch, double-tap the side button and hold the face of your device near the contactless reader. A gentle pulse and tone confirm that the transaction is complete.
In order to make a purchase in-app with your iPhone, tap the buy with Apple or Apple Pay Button or Choose Apple Pay as your payment method. To authenticate the Apple Payment, you will do the following below:
- In iPhone X: Double tap the side button then use face id or your passcode.
- For iPhone 8 or earlier or iPad: Use touch id or your passcode.
- Apple Watch: Double tap side button.
- MacBook Pro with touch ID: Use touch id. If touch ID is off, tap the Apple Pay icon on the touch bar and follow the prompts on the screen.
Can I Use It Outside of the United States?
As long as you are shopping at a participating retailer, Apple Pay will work outside of the U.S. Based on your wireless plan and mobile carrier’s offering, additional message data charges and foreign transaction fees may apply.
Is It Safe?
Apple is keen to point out how your card numbers are not stored on the device you’re using for Apple Pay, nor on their servers. Whilst your most recent purchases are listed in Passbook, an on-going record of your transactions is not maintained.
When a card is added, a unique Device Account Number is created and encrypted. This number is stored in a chip within your device called the secure Element. When you go to make a transaction, the Device Account Number is matched with a dynamic security code unique to that specific payment, which is then processed.
What Banks and Cards are Eligible?
American Express, Ulster Bank, Nationwide, NatWest, Santander, MBNA and RBS account holders can all use Apple Pay currently. Bank of Scotland, TSB, Halifax, Lloyds Bank and M&S Bank will have to wait until later in the autumn.
HSBC and its internet-only bank First Direct were initially launch partners. But their launch date has since been delayed until July 28 following a series of last minute setbacks.
Barclays, originally the only major UK bank to fail to sign up to the service, has announced a collaboration is coming “in the future”.