How to Use Apple Pay: Is Apple Pay Safe?

Apple Pay is a mobile payment service from Apple Inc. It is available on iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3, Apple  Watch and other compatible devices with iOS 8.1. 

It is very simple to use and you can use it as you are using your credit or debit card. It has changed the way you purchase and make payment. 

You just have to touch once on Touch ID to make payment. It is protected with cutoff technology and is much secured. 

To use Apple Pay, you have to make settings on your phone. You also have to ensure that your credit card is supported on Apple Pay at all or not. You also have to decide on which card you want to make default for making payment. 

How to Set Up Apple Pay: 

1. Make sure that iOS 8.1 is running on your device. 

2. Set up the fingerprint scanner. Go to settings → Touch ID & Passcode → Select Add a Fingerprint.

3. Ensure that Touch Id is toggled on for Apple Pay. 

4. Open Passbook. 

Add a credit or debit card by tapping the plus sign.

Provide your basic details as asked. 

It is recommended that you use camera option while adding credit or debit card. 

Type in your security code. 

Some of your debit/credit card may require authentication by installing bank’s app. 

You will get a message if your card is not supported or if it requires verification.

Where You Can Use Apple Pay:

You can use Apple Pay in any store that accepts contactless payment. It can be used in most of the grocery store, restaurants, hotels, boutiques and many more places. What you have to look for is PayPass Reader. If you can find one in the store, most probably you will be able to use Apple Pay. Apple Pay can be used in the US and the UK.

Apple Pay can be used to make payment within participating apps that sell physical goods and services. You will find buy Apple Pay or Apple Pay button on those apps. 

How to Use Apple Pay:  

1. Pay in the Store: 

a. To pay with default card, you just hold the top of your iPhone near a contactless reader with your fingers held on touch id. You don’t have to press it. 

b. If you want to pay with a card other than your default card, 

1) Hold the top of your iPhone near the contactless reader. Don’t hold fingers on the touch id. Default card will be displayed on it. Tap on it.  

2) A list of cards will be displayed. Select the card you want to pay with. 

3) Place your finger on touch id and move your device close to the reader. Your payment will be completed immediately.

2. Pay within apps:

1) Tap Apple Pay button or Pay with Apple Pay button, whichever displayed within an app.

2) Review payment details. Provide other required information, such as billing, shipping, contact details etc.

3) Place finger on touch id. Your payment is complete. 

Is Apple Pay Safe?

Apple Pay is like Google wallet, but far more advanced and protected. Your transactions are authenticated through fingerprint scan. It assigns a unique device account number and it is encrypted.

Your identity information, credit card or debit card detail is never made visible to a merchant or transmitted with payment. It creates a dynamic security code for each transaction made by user. 

Apple Pay users can add number of credit or debit cards to Apple Pay Passbook. Cards can be added in three ways. By entering information manually, taking photos of it or adding it to iTunes. 

Apple Pay uses contactless payment technology. But it is not necessary that it requires Apple specific contactless payment terminals. 

It works with terminals like Visa's PayWave, MasterCard's PayPass and American Express's ExpressPay. It communicates wirelessly with near field communication (NFC).  

Even if you lose your device or your device is stolen, you don’t need to worry much. You can suspend your pay by putting your device in Lost Mode immediately. 

You can even wipe your device completely, so nobody can use your Apple Pay service. Using cloud technology, it allows you to stop payments from your credit or debit card. 

Conclusion:

Pay with Apple Pay and keep yourself from entering all credit card or debit card PIN and other details. Apple Pay is highly secured and you can use it with ease. You will find contactless payment terminals in most of the major stores, fast food restaurants, hotels and many such locations. Shopping with Apple Pay is a pleasurable experience. Enjoy it and be free from worries about losing any identifying information or card details.