Apple Pay – All The Answers To Your Questions


Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person. Apple pay lets you make secure purchases in stores, in apps, and on the web. And now you can send and receive money from friends and family right in messages. Apple pay is simpler and safer. 

Apple Pay is a contactless payment technology for apple devices. It was designed to move consumers away from physical wallets into a world where your debit cards are on your iPhone or Apple Watch, allowing you to pay using your device instead of a card. This feature is everything you need to know about apple pay, including how it works and where you can use it.

Where can you use Apple Pay?

The UK has established a contactless payment system and you’ll be able to use apple pay at all of the stores and restaurants you already use contactless with. You can use apple pa within many apps and through the Safari web browser.

It is supported by hundreds of thousands of stores worldwide. Over 75 percent of stores and restaurants in the US support apple pay and over 85 percent in the UK. Australia has support in 99 percent of its stores and restaurants.

Where is Apple pay available?

Apple pay is available in over 40 countries; these include the UK, UAE, US, Canada, New Zealand, Taiwan, and Hong Kong as well as numerous other countries.

Which devices work with Apple Pay?

Apple pay works with the following Apple devices:

  1. Apple watch series 1 and newer [when paired with iPhone 5 or newer]
  2. Apple iPhone 6 or iPhone 6 Plus and newer models
  3. Apple iPad Air 2 and iPad mini 3 and newer

The beauty of Apple Pay is that it is classically Apple. Simple and elegant. With one-step payment process all wrapped up in watertight security safer than traditional chip and Pin.

In-app and online purchases;

This is a much more streamlined process than entering your Apple ID details, and the biometric authorization makes it even more secure. With the iPhone X or iPhone XS family, you’ll verify using Face ID instead which is supposedly even more secure. Using Apple Pay in an app or in safari is just as simple as using it elsewhere. Simply tap the ‘Buy with Apple Pay’ button, review your payment details, and then place your finger on the Touch ID sensor to finish the transaction. iPhone owners can now send money to friends using Apple Pay cash. There are no fees to send or receive money, but the program can cost you depending on how you fund your account. Linking your account to a debit card is free, but there is a 3% fee if you fund your account with a credit card.

Apple Pay supports most major credit card or debit card schemes, including American Express, Visa, MasterCard, and Union Pay.

Set up Apple pay and wallet on your iPhone;

From the home screen, tap Settings.

Tap Apple pay and wallet.

Tap Add a credit card or debit card.

Return to Apple pay and wallet and tap add credit or debit card.

Select the card associated with your Apple ID, cards you use with Apple pay on your devices, or card that you’ve removed. Tap Continue and then enter the CVV number of each card.

Alternatively, you may be able to add your card from the app of the bank or card issuer. The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.

Some of the advantages of setting up Apple pay are as follows;

Fraud prevention: Apple pay is secured by NFC technology. This would benefit customers and merchants both.

Security: Through Apple pay you do not need your credit card details to process payment since the service uses a device account number and by this, you can make sure that your credit details are secure.

Quick and fast payment: Apple pay can easily be assumed as the fastest mode of payment. Once payment is processed, you will receive a verification notification on your mobile and you can verify your transactions fast. Other advantages could also include;

Ability to load all your cards


No internet connection needed and

Private transactions

Apple pay disadvantages;

Limitation in use: As the service can only be used by the iOS users, so the service can be assumed a little less popular and usable.

Acceptance by shops: Since all retailers would not use mobile payment terminal you may not be able to make your purchases through the service.

Software issues: It happens sometimes that software failure affects the running of payment transactions. Others may include;



Geographical resistance and 

Depends on your device

Generally, it is up to the user to decide if the service is worth it for the purposes or not. Apple pay is risk-free for both consumers and businesses. 








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