Apple Pay
July 17, 2015

The 5 most asked questions about Apple Pay – answered

Written By Rebecca Larkin

It seems like this week there’s been nothing but news about Apple Pay, whether it’s praise or complaints Apple have got everyone talking. So, we collected the 5 most asked questions about Apple Pay, so we can give you the straightforward answers.

But first, what exactly is Apple Pay?
Apple Pay is the latest service from Apple, which they hope will be a welcome addition to the ways we can make purchases.

It works much like contactless cards do, but the benefit is that by using the latest in contactless technologies the struggle to find your purse, or the awkward rush to find the right card to pay with, is gone. With Apple Pay all you will need is your iPhone and your finger.

Who can use it?
Currently the service is available to use on iPhone 6, iPhone 6S, and Apple Watch for both in store, and in app purchases. It’s is also available to use for in app purchases on iPad Air 2 and iPad mini 3.

Apple Pay works with most major credit and debit cards such as Visa, MasterCard, and American Express. However it is not currently supported by all major banks.

The service is currently only available to customers of NatWest, Santander, Nationwide and American Express to name a few, but there are a few big banks still missing from this list.

With HSBC joining Apple Pay on July 28, Barclays joining ‘imminently’ and other banks such as Lloyds, TSB and Halifax not supporting it, there is a large amount of people being unable to use it.

How do I use it?
If you are lucky enough to be in a bank that supports Apple Pay using the service will be simple to use once you’ve set it up.

To get started all you need to do is add a credit or debit card to Passbook, and Apple will pull in the card number registered for your iTunes account so all you really have to do is enter your security code.

Apple Pay is accepted anywhere that you see the regular contactless logo, or the new Apple Pay specific logo and using it is as simple as 1,2,3:

Apple Pay

1. Place your iPhone near the top contactless card reader and wait for you phone to wake up and display your default card.

  1. 2. Choose your default card, or change to another card.
  2. 3. Place you finger on the Touch ID and hover your phone over the contactless reader (you’ll feel a little vibration when it’s done).

And Voila! You have paid!

Where can I use it?
As we mentioned before, the system is supported anywhere you see the contactless logo or Apple Pay logo. Here’s a little list, courtesy of Apple, to show a few featured places where you can use Apple Pay: Screen Shot 2015-07-15 at 15.16.24

How safe is it?
The added convenience of using your iPhone to pay for things is all well and good, but many consumers are understandably concerned about the security of their bank details. Rest assured that Apple has done everything it can to keep your money safe.

Apple Pay is designed so that instead of using your card number, each device will be assigned a unique and encrypted Device Account Number, and this won’t even be shared with Apple. This number, along with a payment specific number, will be what your transactions go through. Meaning that your actual card number will never be transmitted or stored while paying with your iPhone, giving an extra level of security and peace of mind.

Even in the event that you lose your phone, your payment details will always be safe. On top of the fact that Apple Pay is fingerprint sensitive, if you lose your device you can put your device into lock mode via Find my iPhone, and from here you could even wipe your device clean.

Apple doesn’t even save your payment history, apart from keeping your most recent purchases in the Passbook, there will be no long-term history and therefore no links back to your account information.

Can I stop using it?
Quitting Apple Pay is something that has not been discussed or widely advertised by Apple, but it looks like a pretty simple process should you want to leave.

In theory quitting Apple Pay is as simple as removing all your active cards from your Passbook account, so it’s not a case of quitting, more a case of not using.

For those lucky enough to be able to use Apple Pay, it seems like a great addition to contactless payment systems. Apple has set their sights on removing the £20 limit, it’s easy to set up on iPhone 6 and iPhone 6S, and it’s simple to use. All that’s needed is the rest of the banks supporting the platform.