Apple Pay is a secure and easy way to make payments in stores, in apps, and on the web. Here’s how to get started use apple pay
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Introduction
Apple Pay is a mobile payment and digital wallet service by Apple Inc. that lets users make payments in person, in iOS apps, and on the web. It’s designed to replace the physical credit card or debit card and provide a more secure way to pay.
Apple Pay can be used for purchases at retail stores, within apps, and on websites. When you’re ready to pay, just hold your iPhone near the contactless reader with your finger on Touch ID or double-click the side button on apple watch You don’t even need to wake up your device or open an app.
To pay with Apple Pay in stores, you need an iPhone 6 or later with iOS 8.1 or later, or apple watch with watchOS 2 or later. You also need to set up Apple Pay on your device and have a credit or debit card from a participating bank.
Setting up Apple Pay
You use apple pay in stores, in apps, and on websites in Safari. Before you use apple pay you need to set it up on your device.
If you have an iPhone 6 or later, you use apple pay in stores by holding your iPhone near a contactless reader with your finger on Touch ID.
You can use apple pay in apps and websites in Safari on your iPhone 6s or later and iPad Pro, iPad Air 2, iPad mini 3 or later. And now you can use Apple Pay on your Mac in Safari with an iPhone 6s or later or an Apple Watch.
To pay with Apple Pay within apps and on websites in Safari, you must be using an iPhone 6s or later or iPad Pro, iPad Air 2, iPad mini 3 or later and have iOS 9 installed. To pay with Apple Pay on your Mac, make sure that it’s a Mac introduced in 2012 or later that has OS X El Capitan installed and is paired with an iPhone 6s or later running iOS 9.
When you set up Apple Pay, you add your credit cards to the Wallet app. Depending on the card issuer, you might need to activate online banking or verify the card with the issuer before adding it to Wallet. If prompted for verification during setup of Apple Pay, follow the instructions from your card issuer to create a passcode that confirm that you are the cardholder.
Using Apple Pay
Apple Pay is a secure and easy way to pay in stores, in apps, and online. You can use Apple Pay on your iPhone, iPad, Apple Watch, and Mac. Here’s how:
In stores: To pay with Apple Pay in stores, hold your iPhone or iPad near the contactless reader with your finger on Touch ID or Face ID. On your Apple Watch, double-click the side button and hold the display of your watch within a few centimeters of the contactless reader. You might need to sign a receipt or enter your PIN.
In apps: To pay with Apple Pay in apps, hold your iPhone or iPad near the contactless reader with your finger on Touch ID or Face ID. On your Apple Watch, double-click the side button and then hold the display of your watch within a few centimeters of the contactless reader. You might need to sign a receipt or enter your PIN.
Online: To pay with Apple Pay online in Safari on iPhone 6s or later and iPad Pro, double-click the side button, then hold the Top of your device near the contactless reader. When you see Done and a checkmark on the display, you can remove your finger from Touch ID/Face ID.
Security and privacy with Apple Pay
When you pay with Apple Pay, your credit card number is not stored on your device or on Apple servers. In fact, your credit card number isn’t even shared with the merchant. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your iPhone or iPad. Each transaction is authorized with a one-time unique dynamic security code.
So Apple Pay is definitely more secure than using a physical credit card. But what about privacy? When you use Apple Pay, Apple doesn’t collect any of your transaction data. The merchant receives your name, billing and shipping addresses (as needed), and email address (as needed). And that’s it.
Of course, if you use Apple Pay with iCloud Keychain turned on, or useprint copies of receipts, then you may want to be aware that this information will be stored in iCloud (and possibly also in third-party apps). But overall, using Apple Pay should give you a higher degree of privacy than using a physical credit card.
