Apple Pay is one of the widely used mobile payment and digital wallet services by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web.
Apple Pay is making a great impact for cardless payments and is widely accepted from grocery stores to ecommerce platforms, even gas stations accept apple pay as payment mode.
It uses the built-in Near Field Communication (NFC) hardware present in select Apple devices, as well as Touch ID or Face ID for security. Apple Pay does not require Apple Pay-specific contactless payment terminals, and can work with existing ones.
How does Apple Pay work?
When you add a credit or debit card to Apple Pay, the actual card numbers are not stored on your device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element chip on your iPhone or iPad. Each transaction is authorised with a one-time unique dynamic security code.
To pay in stores, hold your iPhone or Apple Watch near the contactless reader with your finger on Touch ID or Face ID. You don't even need to wake up your device or open an app. To pay in apps and on websites in Safari, select Apple Pay as the payment method and place your finger on Touch ID or enter your passcode.
How do you set it up?
Adding a credit or debit card to Apple Pay is easy and can be done in a few different ways. The most common way is to add a card that's already associated with your iTunes account. This can be done by going to the Wallet app, tapping the "+" sign, and then following the prompts.
You can also add a card by taking a photo of it with your iPhone's camera. This is done by again going to the Wallet app, tapping the "+" sign, and then selecting "Add Credit or Debit Card." From there, you'll be prompted to hold your card up to your camera so that it can be scanned.
If you have an iPhone 6 or later, you can also add a card by using Apple Pay in a supported app. This is done by going to the app, selecting Apple Pay as the payment method, and then following the prompts.
Finally, you can also add a card by calling your bank or credit card issuer and asking them to add Apple Pay support to your account.
Once you have a credit or debit card added to Apple Pay, you can use it to make purchases in stores, in apps, and on the web. In most cases, all you'll need to do is hold your iPhone or Apple Watch up to the contactless reader and place your finger on Touch ID or Face ID. You don't even need to wake up your device or open an app.
To make a purchase in an supported app, select Apple Pay as the payment method and place your finger on Touch ID or enter your passcode. To make a purchase on a website in Safari, look for the Apple Pay button at checkout and click it. Then, confirm your payment with Touch ID or Face ID.
And that's all there is to it! As the technology evolves, there are a lot of platforms providing cashless transactions. Apple Pay is an easy, convenient, and secure way to pay for things both in person and online. Give it a try today and see how you like it.
No comments yet