Apple Pay is Apple’s mobile payment service that is available in 24 countries around the world in participating retail stores and apps. It supports iPhone 6, 6s, 6 Plus, 6s Plus, 7, 7 Plus, 8, 8 Plus, SE, X, XS, XS Max, XR, 11, 11 Pro 11 Pro Max, and Apple Watch owners make payments using NFC with their devices.
Apple Pay offers an easy and secure avenue to make payments in your iOS apps, watchOS apps, and on websites in Safari. Currently Apple Pay can also be used in Business Chat and in iMessage extensions.
Users can quickly and securely offer their payment, shipping, and contact information to check out by using Face ID, Touch ID, or double-clicking Apple Watch.
Apple Pay Features
Apple Pay features includes the following:
- Has NFC integration
- Touch ID for security
- It is available in more than a dozen countries.
- Accepted at millions of locations in the United States.
- Available on the web
- Supports person-to-person payments.
Apple Pay Benefits
Enjoy the following benefits with Apple Pay:
- Check out is now simpler and customers no longer need to spend time searching for their wallet and finding the right card. Within apps or websites, your customers can check out with a single touch.
- With Express Checkout, customers can complete their purchases from a product page with a single click, without the need to add to a cart or fill out a form.
- Defaulting makes checkout simple and fast by using Apple Pay as the default payment method. With Apple Pay as the default and prominent option, users can reduce cart abandonment and customer frustration, and increase conversion.
- With Inline Setup, users who have not yet provided a card can do so and pay immediately without leaving their app or website. You can detect if customers are using an Apple Pay-enabled device and offer to set up Apple Pay-enabled devices and offer to set up Apple Pay within the checkout process.
- Your data is more secure with Apple Pay than accepting traditional credit, debit, and prepaid cards. Every transaction on your customer’s iPhone or iPad requires Face ID, Touch ID, or passcode, and each time your customer takes their Apple Watch off their wrist, the passcode must be keyed in to access it. Additionally, you don’t receive your customer’s actual credit or debit card numbers, thus you aren’t handling sensitive data in your systems when customers pay with Apple Pay.
How Secure is Apple Pay?
According to Apple, it does not save your transaction information or card numbers on its servers, even though your most recent purchases are kept in the Wallet app.
Apple Pay which has a tokenised backend infrastructure, makes card payments secure by creating a number or token that replaces your card details. More importantly, it creates a Device Account number for each one of your cards.
Apple says, 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 passed to the retailer or merchant. Thus the retailer or merchant therefore never has direct access to your card.
How to Use Apple Pay – Set up Apple Pay
This is what you need to use Apple Pay in supported regions:
- Your eligible device
- A supported card from a participating card issuer
- The current version of iOS, watchOS, or macOS
- An Apple ID signed in to iCloud
If you are planning to use Apple Pay with more than one device, you need to add your card to each device.
To get started:
Choose your device and after you set up Apple Pay on iPhone or Apple Watch, you can use your cards on the web in Safari on some Mac Models while signed in to iCloud. On Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 Plus and later, you can add up to 12 cards on a device, and on earlier models, you can add up to eight cards on a device.
Your Apple Card gets instantly added to Wallet and Safari AutoFill on the device that you used to apply for Apple Card. You also have the access of adding Apple Card on your iPad, Apple Watch, or Mac model with Touch ID.
In the United States, you are at liberty to send and receive money with friends and family using Apple Pay and use Apple Cash on your iPhone, iPad, or Apple Watch. Additionally you can make payments to participating businesses in Business Chat on your iPhone, iPad, or iPod Touch.
In some other countries, and regions, you can also add store cards, boarding passes, movie tickets, coupons, rewards cards, as well as student ID cards to Wallet.