Apple also secures payments using Touch ID or Face ID on compatible iPhones and continual skin contact on the Apple Watch.Īpple is aiming to replace the wallet with Apple Pay, and the one-step payment process prevents people from needing to dig through a purse or wallet to find credit or debit cards. To keep transactions secure, Apple uses a method known as " tokenization," preventing actual credit card numbers from being sent over the air. Facial scans rather than fingerprint scans are used to confirm payments on the new device. Apple in August also introduced its own credit card, the Apple Card, which has unique perks and benefits and offers deep integration with Apple Pay and the Wallet app.Īpple Pay has seen a major change with the introduction of the iPhone X and later as these iPhones feature Face ID facial recognition instead of Touch ID fingerprint authentication. Using Apple Cash, you can send money to friends or family in the United States. In 2017, Apple enabled person-to-person Apple Pay payments through the Messages app on the iPhone and Apple Watch. All of these devices feature Touch ID or Face ID and contain an NFC controller where the "Secure Element" of Apple Pay is located, keeping customer information private. Devices capable of using Apple Pay within iOS apps or on the web include the iPhone 6 and later, iPad Air 2 and later, iPad mini 3 and later, iPad Pro models, and Macs with Touch ID. The Apple Watch can also make payments when paired with newer iPhones, so you don't need to pull your phone out to use the payments service.Īpple Pay also lets users make one-tap purchases within apps that have adopted the Apple Pay API, and it is available on the web on devices running iOS 10 or macOS Sierra or later. This is made possible through the NFC chip included in the Apple Watch. To use Apple Pay with one of these devices, a paired Apple Watch is required to make the payment. With the Apple Watch, Apple Pay also extends to the iPhone 5, iPhone 5c, and iPhone 5s. As with the Apple Watch, Apple has adopted the Apple symbol "" followed by "Pay" for the service's name, though the company also refers to it as "Apple Pay."Īvailable since October 20, 2014, Apple Pay is designed to allow iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, X, XS, XS Max, XR, iPhone 11, iPhone 12, and iPhone 13 users in the United States, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Macau, Japan, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, UAE, Brazil, Ukraine, Norway, Poland, Belgium, Kazakhstan, Germany, Saudi Arabia, South Africa, Austria, the Czech Republic, Iceland, Hungary, Luxembourg, The Netherlands, Bulgaria, Croatia, Georgia, Cyprus, Estonia, Greece, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Romania, Slovakia, Slovenia, Belarus, Serbia, Mexico, Israel, Qatar, Chile, Bahrain, Palestine, Azerbaijan, Costa Rica, Colombia, Argentina, Peru, and Moldova to make payments for goods and services with their iPhones in retail stores using an NFC chip built into their iPhones. Apple Pay is Apple's mobile payments service.
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