Apple Pay: How to Use It and What You Need to Know
You may have heard about Apple Pay, which allows you to pay for purchases using your iPhone or Apple Watch. While you may not be able to use it everywhere just yet, this payment option can save you time and help keep your sensitive information safer than ever before. If you want to know more about how to use Apple Pay, read on for everything you need to know about this innovative new way to pay!
When Can I Use it?
Any iPhone 6, 6 Plus, or Apple Watch user can use Apple Pay. That’s because it uses NFC—or near-field communication—to make your transaction happen. To be clear, you’ll need an iOS device with a Touch ID sensor (which includes iPhone 5s or later) in order to use it at stores.
Is it Safe?
Apple Pay is a fast, easy, and secure way to pay for purchases in-store or online. But you may be wondering if it’s safe—and whether or not there are any risks involved. As a consumer, you have nothing to worry about: Apple Pay uses near-field communication (NFC) technology, which links payment information with your device by using its Touch ID fingerprint reader instead of linking it with your credit card information. This means that even if hackers do steal your password or credit card number, they won’t be able to access any of your payments information. In addition, NFC tokens (the virtual card numbers used by Apple Pay) expire after each transaction and are useless for future purchases.
Signing Up for Apple Pay
To start using Apple Pay, you need an iPhone 6 or newer, iPad Air 2 or newer, iPad mini 3 or newer, a fifth-generation Apple TV (or any fourth-generation device with software update 7.0), or an Apple Watch in 2015. First you have to download the iOS Wallet app from iTunes. Then log into your iCloud account—if you already have an iTunes account then that’s all that’s needed. If not, you’ll also have to enter your payment information when signing up for Apple pay in order for it to work properly.
Adding a Credit Card
When you first set up Apple Pay, you’ll add your payment cards to your iPhone or iPad. The process is simple—you can either scan your credit card information using your device’s camera or manually enter it in. (You’ll have to type in security codes and expiration dates if you opt for manual entry.) After that, Apple takes care of everything: it securely sends your account information directly from your bank to its own servers, ensuring that no data is stored on any of your devices—only a transaction history is maintained locally. From then on, whenever you need to pay for something with one of these cards at a supported store, just hold it next to an NFC terminal with Apple Pay activated.
Where Do I Use It?
With Apple Pay, you can use your iPhone to make mobile payments in stores that have a compatible NFC payment system. So if you’re using Apple Pay in a store with an NFC payment system, all you need is your phone—no wallet or credit card required. The following chart indicates where Apple Pay works.
Other Ways to Shop With Your iPhone
There are a handful of apps that let you purchase items using your phone. These range from grocery-delivery apps like Instacart to Apple Pay, which allows you to make payments at certain locations without having to use a credit card or cash. In order for these applications work, your phone needs near-field communication (NFC) capability; if you have an NFC chip in your device, you should be able to use it with third-party applications such as those linked above. The NFC chips are typically under the battery, so if yours doesn’t have it built in, there’s no need for concern—you just won’t be able to use those apps. If your phone is four years old or newer, chances are good that it has NFC built in.