Apple Pay

What is Apple Pay?

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Holding Iphone over contactless card reader to pay using Apple Pay

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Apple Pay uses the near-field communication (NFC) chip in your iPhone, iPad or Apple Watch to pay for goods and services using contactless payments. Apple Pay can also be used for in-app and online purchases.

What do you need to use Apple Pay?

  • A compatible device with a Touch ID sensor
  • iOS8.1 or newer
  • A supported debit or credit card from a participating bank
  • An Apple ID

Compatible devices

  • iPhone 7 or 7 Plus
  • iPhone 6s, 6s Plus, 6 or 6 Plus
  • iPhone SE
  • iPad Pro (12.9 or 9.7 inch screen)
  • iPad Air 2
  • iPad Mini (3 or 4)
  • Apple Watch 1st Generation, Series 1 or Series 2
  • MacBook Pro with Touch ID
  • A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch

How secure is Apple Pay?

Your card details are not stored on your iPhone, Apple Watch or iPad. Instead, your bank, MasterCard, Visa and Apple create a unique, encrypted code that is sent to your phone.

This means if your device is stolen, the thief cannot access your bank account. You can use iCloud or your bank to remove your cards from stolen devices.

Supported debit and credit cards

Banks and card providers that support Apple Pay include:

  • American Express
  • Barclays
  • First Direct
  • HSBC
  • Halifax
  • Lloyds
  • MBNA
  • M&S
  • NatWest
  • Nationwide Building Society
  • Royal Bank of Scotland
  • Santander
  • Tesco Bank
  • TSB
  • Ulster Bank
  • Co-Operative bank.

Check with your bank if it supports Apple Pay – most banks do.

Where can I use Apple Pay?

You can use Apple Pay wherever contactless payments are accepted – so, shops, restaurants, coffee shops, pubs, and Transport for London.

You can also use it on apps and websites displaying the Apple Pay logo.

How do you set up Apple Pay?

  1. There isn’t an Apple Pay “app” as such – it’s part of Apple Wallet (previously known as Passbook). Wallet is a built-in app on Apple devices which allows users to store debit and credit card details, boarding passes, coupons and event tickets.
  2. If you've already got a credit or debit card linked to your Apple ID (i.e. for making iTunes purchases), you can use that with Apple Pay. However, you’ll need to re-enter the card’s security code, and possibly complete more security steps initiated by your bank.
  3. Alternatively, you can add a new card to your account. To do this, open Wallet, click “add credit or debit card”, and follow the steps to add a new card. This involves either taking a photo of your card or typing in its details.
  4. Apple Wallet allows you to choose a default card Apple Pay will automatically use for payments, and select other cards as and when you want to use them.
  5. If you want to add a card on your Apple Watch, you’ll need to do this using your iPhone. Open the Watch app on your iPhone, and go to the My Watch tab. Tap Wallet & Apple Pay and follow the steps to add a card.

How do you use Apple Pay?

Using Apple Pay for contactless payments

You can use Apple Pay on contactless payment terminals in shops, restaurants and on Transport for London. You don’t need to unlock your device or log in to Wallet to use Apple Pay.

To make a payment, hold your iPhone or Apple Watch over the contactless reader and press your finger on the Touch ID button. This authorises the payment using your fingerprint.

If you’re paying with an Apple Watch you’ll need to double-click the side button when the device is unlocked to make the payment.

Using Apple Pay for in-app payments

You can use Apple Pay to make in-app purchases when you see the Apple Pay logo.

To make a payment either tap the Buy with Apple Pay or Apple Pay button, or choose Apple Pay as the payment method at the checkout. On your iPhone or iPad, place your finger on Touch ID. On your Apple Watch, double-click the side button.

Using Apple Pay for website payments

If you’re using the Safari browser you can use Apple Pay on websites showing the Apple Pay logo.

To make a payment either tap the Buy with Apple Pay or Apple Pay button, or choose Apple Pay as the payment method at the checkout.

On your iPhone, iPad or MacPro with Touch ID, place your finger on Touch ID. On your Apple Watch, double-click the side button.

If you’re using another Mac, make sure Bluetooth is on and either place your finger on Touch ID on your iPhone or double-click the side button on your Apple Watch.

Apple Pay and Android Pay are very similar offerings from the different companies, but there are some areas where they are different.

Apple Pay vs Android Pay

 

Apple Pay

Android Pay

Devices

iPhone 7 or 7 Plus; iPhone 6s, 6s Plus, 6 or 6 Plus; iPhone SE; iPad Pro (12.9 or 9.7 inch screen); iPad Air 2; iPad Mini (3 or 4); MacBook Pro with Touch ID; A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch.

Any Android device with NFC technology running Android 4.4 KitKat or above.

Wearable devices

Apple Watch 1st Generation, Series 1 or Series 2.

Any Android watch with Wear 2.0 software.

Participating banks

All of the major banks.

Most of the major banks – not Barclays or American Express.

Fingerprint authentication

Yes

No

Contactless payments

Wherever the contactless payment logo is displayed: up to £30.

Wherever the contactless payment logo is displayed: up to £30 or up to £100 with further verification.

 

Transport for London

Yes

Yes

In-app payments

Wherever the Apple Pay logo is displayed.

Wherever the Android Pay logo is displayed.

Web payments

Wherever the Apple Pay logo is displayed.

Wherever the Android Pay logo is displayed.

App

Built-in Wallet app.

Android Pay from Google’s Play Store.

Account required

Apple

Google

Can be disabled remotely

Yes

Yes

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