What Is Apple Pay And How Does It Work?

Apple is a giant tech company that introduced a mobile payment service is named Apple Pay. Apple Pay is available since the year 2014 in October which allows the Apple device users in the United States and other selected countries to make payments either in person, on the web, and also in iOS apps. Also, users can send and receive the money between friends and family.

But there may be a question to some peoples, how does Apple Pay work? Want to know about working at Apple Pay, then you are in the right place. Here we have exactly discussed the Apple Pay work. Let’s read on.

How Does Apple Pay Work?

You can use Apple Pay to make a payment at shopping, or restaurants, boutiques, vending machines to taxis, and trains anywhere. With participating retail stores and apps, the payment service is available in over 40 countries in the world.

Apple Pay is a contactless technology that has integrated Near Field Communication (NFC) that allows devices to communicate wirelessly with the point of sale systems. NFC payments are very faster, highly secure, and convenient. Apple Pay simply takes your bank details and makes them into something unintelligible, so it can be completely inaccessible to hackers. Even better, these tokens change every time an NFC transaction starts and ends. This makes it completely impossible to extract and separate the data.

All the supported Apple devices have an NFC chip inside which communicates to a card reader whenever you want to pay for your purchases. Therefore, instead of swiping your debit or credit card or inserting it into a chip reader with NFC, you just need to keep your Apple device like iPhone or Apple Watch close to the contactless card reader and pay for the goods or services.

To increase the safety and security of user’s payments, Apple uses a two-factor authentication such as Touch ID and Face ID on compatible iPhones and continual skin contact for Apple Watch. Also, while using Apple Pay users can use a passcode or pin to authorize payments.

After paired with iPhones, the Apple Watch can also be used to make payments. So you don’t need to pull out your iPhone from the pocket to make the payments.

The completed amount is usually indicated by either on-screen checkmarks, slight vibrations, and beeps. For Apple devices with Face ID for verification, a face scan will be used instead, and you will need to double-tap the side button on your device to confirm payment.

In some countries and stores, Apple pay users may be asked for PIN or passcode due to the use of old point-of-sale machines, set laws and regulations in certain countries, as well as transaction limitations. But most of the retail stores and countries do not require PINs, passcodes, or even signatures to complete payments.

How to Set Up Apple Pay?

To set up the Apple Pay mobile payment service, you will need to have a supported Apple device. Here, you can check the list of all the devices that can be used with Apple Pay:

  • Mac 2012 or later models in tandem with either an Apple Pay-enabled Apple Watch or iPhone.
  • Mac models that use Touch ID for verification.
  • iPhone SE and later.
  • iPad mini 3 & 4, iPad Air 2, iPad 5th and 6th generation, iPad Pro, and iPad Pro (third generation).
  • All Apple Watch versions.

If you want to set up Apple Pay on your iPhone, simply open the Apple Wallet app and follow the instructions to add a new card.

Then you have to add your preferred card that you will use with your Apple ID. Just select your preferred card and enter its security code.

Maybe you need to download your card issuer or bank app to add a card to your Apple Wallet. Your bank verifies the card immediately and you can start using Apple Pay.

If you want to use Apple Pay on Mac, you need to have a model that has Touch ID or a 2012 model that is connected through Bluetooth to an Apple pay supported device.

Just follow the listed instructions here: support.apple.com/en-us/HT204506.

To set up for other Apple devices, simply follow the instructions on this page: support.apple.com/en-us/HT204506.

If you would like to use Apple Pay on more than one Apple device, then you’ll need to set it up on every single device.

How to Use Apple Pay?

Once you have Apple Pay on your device, you can use it to make online purchases either in person or in iOS apps. Using Apple Pay you can send or receive money from friends and family. You can also pay for goods and services in any place which accepts contactless payments.

You can easily recognize a place that uses Apple Pay. Just find an Apple Pay symbol or a WIFI signal and a hand holding a card reaching towards the Wifi signal.

As for Apple Pay Cash and Person-to-Person payments, you can only use these services within the United States, and they are limited to specific devices.

Bottom Line

Apple Pay is a fast, secure and convenient contactless payment service that eliminates your cash usage and helps you to make a virtual or cashless payment.

Hopefully, now you understand What is Apple Pay and how Apple Pay works. Just use it and make your payments faster, safe, and convenient.

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