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Apple Pay

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Apple Pay is Apple’s mobile payments solution that allows users to seamlessly use their phone to pay for purchases both in retail stores, apps, and the web. The service was first introduced in 2014 and has been expanding to additional countries ever since then.

The service works in retail stores by simply holding your iPhone over a compatible checkout terminal and authenticating the purchase via Touch ID, or your Apple Watch with no further authentication required once you have unlocked the Watch. It’ss compatible with all iPhones from 6/6 Plus and and beyond, and all versions of Apple Watch.

In apps, it works by pulling in your card information and seamlessly allowing you to checkout using that card information. This prevents you from having to manually enter your card information every time you want to make a purchase. In addition to working with all of the iPhone models previously mentioned, Apple Pay in apps also works on iPads from the iPad mini 3 and Air 2 and beyond. Apple Pay is supported on the Mac and on the web with iOS 10 and macOS Sierra and beyond.

In addition to working with debit and credit cards, Apple Pay also works with rewards cards and store cards. This means that you can add something like your Starbucks card, Walgreens Balance Rewards card, and more to the Wallet app to easily keep track of everything.

To set up Apple Pay on an iPhone, open the Wallet app on iOS 11 and tap the plus (+) icon in the top right corner to begin, then follow the prompts. To add a debit card to the Apple Watch, go to the Apple Watch app on iPhone and look for the Wallet & Apple Pay section, then Add Credit or Debit Card section.

Apple Pay is the dominant mobile payments solution, even forcing its biggest potential competitor to shutdown, and as the service continues to expand, it will only get better. View the full list of retailers and banks that support the service on Apple’s website

Apple Pay is available in the following countries (click the country name to see compatible banks):

Australia

China*

Hong Kong

Japan

Kazakhstan

New Zealand

Singapore

Taiwan

Belgium

Czech Republic

Denmark

Finland

France

Germany

Guernsey

Ireland

Isle of Man

Italy

Jersey

Monaco

Norway

Poland

Russia

San Marino

Spain

Sweden

Switzerland

Ukraine

United Kingdom

Vatican City

Brazil

Saudi Arabia

United Arab Emirates

Canada

The United States

UK launch of Apple Pay looks set for the first half of 2015 as bank talks underway

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Brits waiting impatiently for Apple Pay to launch in the UK may not have too much longer to wait, reports the Telegraph. Sources involved in talks taking place between Apple and “Britain’s top banks” have stated that the service is expected to launch in the UK in the first half of 2015.

A job listing revealed earlier in the month that Apple had a London-based team working on rolling out the service across Europe, the Middle East, India and Africa … 
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CNN honors Tim Cook as ‘CEO of the year’ thanks to climbing stock price

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<em><a href="http://9to5mac.com/2014/09/09/apple-offering-new-u2-album-songs-of-innocence-for-free-on-itunes/">Tim Cook and U2 at this year’s iPhone 6 event</a></em>

Apple CEO Tim Cook ranked well on CNN Money’s list of best CEOs of 2014 taking the top spot of CEO of the year. The news organization said Cook has “arguably the toughest CEO job in America” as he battles critics skeptical of his performance running Apple without Steve Jobs and cited the company’s 40% stock climb this year as well as the debut of the iPhones 6 and Apple Pay ahead of the Apple Watch early next year.
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Apple Pay in-app checkout added to Ticketmaster, LoungeBuddy, more

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While retailers and venues have steadily been rolling out Apple Pay support for buying goods in the real world, Apple Pay is possibly even more popular with checking out for physical goods and services within apps. This week’s additions include Apple Pay in-app checkout support on iOS with Ticketmaster, LoungeBuddy, and more.
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As expected, Walt Disney World will start accepting Apple Pay in time for the holidays

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Following in the footsteps of the Disney Stores, Walt Disney World will be accepting Apple Pay from 24th December, reports the company.

Initially, most stores, quick service restaurants, bars and ticket sales booths will be included. Any locations that use portable payment terminals, such as table service restaurants, will be added later.

To identify payment locations that accept Apple Pay and contactless payments, look for the EMVCo symbol, which is a series of curved lines, similar to a WiFi signal strength meter on many devices.

Disney was an Apple Pay launch partner, installing upgraded iBeacons and NFC readers in its retail stores prior to the launch of the service, but contactless payment had previously only been available at WDW via the company’s own MagicBands wristbands … 
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The value of Apple Pay in one stat: almost half of Americans have had card details stolen

Apple Pay may be more convenient than carrying around a whole bunch of different cards, and contactless payment is certainly very quick and easy, but it’s the security which is arguably the greatest benefit. Your actual card details are never stored in your phone or on an Apple server, and only a one-time code is sent to the payment terminal. Retailers never see your card details.

Just how important is this? A WSJ/NBC News poll reveals that a full 45% of Americans have been told by a retailer, bank or card company that their card details have been stolen in a data breach.

In the past year alone, major breaches have been reported at Target, J.P. Morgan Chase, Home Depot, K-Mart, SuperValu and others […] 

Some 45% of Americans said they had received such a breach notification letter from a retailer or card-issuer that their payment data had been affected by a breach

Fifteen percent of those polled also said that they had been hit by online fraud or hacking.

Apple Pay is currently only available in the US, but a job listing recently revealed that Apple is working on bringing the service to Europe and beyond.

Apple looking for London-based ‘Apple Pay Intern’ to help expand service into Europe

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A new UK job listing posted on Apple’s website and uncovered by iClarified indicates that the company is planning to expands its payment service into Europe and elsewhere. It shouldn’t come as a big surprise that Apple wants to put its iPhone 6-based payment system into as many hands worldwide as possible, but this is one of the first indications of a move in that direction.

The intern will be part of a new London-based team that will help roll the product out across Europe, the Middle East, India, and Asia. Specifically the intern will be responsible for handling contracts and non-disclosure agreements between Apple and third-parties like banks and retailers.


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Orlando Magic teams up w/ Chase for special promos for Apple Pay launch this Friday

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We heard earlier this week that the Orlando Magic would become the first NBA team to offer Apple Pay to fans through a partnership with Chase. Today we get the official announcement from the team confirming an Apple Pay launch at the Amway Center for this Friday, Dec. 19 and some other details regarding special promos:
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Samsung reportedly planning Apple Pay rival compatible with 100% of cards & terminals

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On the same day that Apple Pay reached a sign-up rate of 90% of US bank cards by transaction volume, Samsung is reportedly planning to launch a rival mobile payment service that would work with 100% of cards and payment terminals on day one.

Re/code suggests that the company is in talks with LoopPay, a startup which describes itself as “the most accepted mobile wallet on the planet.” Instead of using an NFC chip for contactless payment, LoopPay transmits a magnetic signal which simulates the swiping of the magnetic strip on a card. That means it works with all cards and all payment terminals, contactless or not … 
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Apple Pay now supports 90% of US credit cards by transaction volume

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With dozens more banks and retailers signed-up to Apple Pay in recent weeks, the company says the contactless payment system now supports the cards used for around 90% of credit card transactions in the US.

Ten further banks started accepting Apple Pay today, including two that had previously been announced as on the way: Commerce Bank and UW Credit Union … 
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Apple Pay in-app checkout added to MLB Ballpark & Priceline apps

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Apple Pay support is still slowly rolling out from more banks, retailers, and apps, and two notable updates added Apple Pay in-app checkout options this week.

First up is Priceline, the app that aims to save you money on flights, hotels, and car rentals anytime you’re traveling. While the app allows you to book plane tickets and reserve rental cars, Apple Pay checkout is currently limited to “Express Deals” for paying for hotel reservations.
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Financial Times names Tim Cook ‘Person of the Year’

Tim Cook might have gotten snubbed for Time’s Person of the Year recognition after being nominated as a finalist for 2014, but the Apple CEO did get the coveted title from the Financial Times this year. The FT cited both Cook’s financial decisions for the company and social decisions including publishing the essay on his sexuality:

Financial success and dazzling new technology alone might have been enough to earn Apple’s steely chief executive the FT’s vote as the 2014 Person of the Year, but Mr Cook’s brave exposition of his values also sets him apart.

This was never more powerful than when he talked publicly for the first time about his sexuality.

FT also nodded to Cook hiring Angela Ahrendts to run Apple’s retail channels, luring her to Apple from her role as CEO of Burberry, as well as Apple buying Beats for $3 billion this year and launching the iPhone 6, iPhone 6 Plus, Apple Pay, showing off the Apple Watch, and Apple’s market capitalization setting a record for US companies hitting $700 billion. You can read the full piece here.

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Alipay updated w/ Touch ID amid talk of potential Apple-Alibaba partnership

Apple CEO Tim Cook, speaking at the Wall Street Journal: Digital conference in October, claimed that he would be entering discussions with Jack Ma, executive chairman of Alibaba, about a potential partnership with the Chinese e-commerce company. It was speculated at the time that any partnership would likely be centered upon the integration of Apple Pay and Alipay for mobile payments on Alibaba, Taobao and Tmall.

Amid the speculation, China Daily was first to report that Alibaba has updated its Alipay app for iPhone and iPad today with Touch ID support. Alipay users with an iPhone 5s, iPhone 6 or iPhone 6 Plus will now be able to use their fingerprint instead of a password when making mobile payments on the latest version of the app, which is a step closer to the way that Apple Pay works in the United States.
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MasterCard debuts new ad spot starring Apple Pay and Gwen Stefani

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MasterCard is out with its latest “Priceless Surprises” ad featuring Apple Pay with the help of artist Gwen Stefani. Like its previous World Series promotions, which put Apple Pay front and center, the new 30-second spot shows cardholders using the iPhone 6 and Apple Pay to checkout for purchases and being rewarded with various offers like golf trips, handbags, and concert tickets. The chance to meet Stefani is also on offer with her latest single, “Spark The Fire”, set as the ad’s soundtrack.
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Must-have iPhone, iPad, & Apple Pay apps for holiday gift shopping this year

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Shopping this year through iPhone and iPad apps is significantly more convenient thanks to Apple Pay and Touch ID. The latest iPhones and iPads allow you to avoid the arduous process of re-entering your credit card information each time at checkout and instead pay for your purchase with the touch of your finger.

Hopefully our holiday gift guides are steering you in the right direction for what to buy this year, especially with guides focused on using your iPhone and iPad in the carmaking music with Apple devicesoutfitting your home with connected smart devices, and more, and these shopping apps should continue to help you along the way.
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IBM analytics show that iOS dominates online purchasing in both transactions and average sale values

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Android might have the sheer weight of numbers, but when it comes to ecommerce, it’s iPhone and iPad owners retailers want to attract. Online shopping data compiled from Thanksgiving shopping yesterday showed that despite iOS devices in the US being outnumbered almost two-to-one by Android, it’s iOS devices that dominate online purchasing.

iOS accounted for a quarter of online purchases, compared to less than 7% for Android devices. Average order value was also higher, at $118.57 compared to Android’s $95.25 … 
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Apple adds Commerce Bank support to Apple Pay, personal MasterCards only

Apple has been rolling out support for its new Apple Pay payments service to more and more banks in recent weeks. The latest addition was America First Credit Union making an announcement late last week, but Apple has since updated its support document over the weekend to also announce support for Commerce Bank

Commerce Bank, which serves Missouri, Kansas, Illinois, Oklahoma, Colorado and a few other locations, hasn’t yet made an official announcement, but it’s now listed as supporting personal credit cards on Apple’s support site for Apple Pay. Apple notes that currently Commerce Bank is only supporting MasterCard for the service despite the bank also offering cards from one of Apple’s other Apple Pay partners, Visa.

Commerce Bank joins America First Credit Union, American Express, Bank of America, Barclaycard, Capital One, Citi, Commerce Bank, J.P. Morgan, M&T Bank, Merrill Lynch, Navy Federal Credit Union, PNC, Regions Bank, SunTrust, U.S. Bank, U.S. Trust, USAA, and Wells Fargo.

Apple Pay has also added a number of supported retailers and apps in recent weeks with the latest additions including Sephora, tickets.com, Disney Store app, and others.

We have a running list of banks that plan to support Apple Pay in the coming weeks and months here. We also have a running list of the latest stores and apps that accept Apple Pay here.

New Chase ad for Apple Pay focuses on small businesses, features Jack Antonoff’s Bleachers band

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Ad Age reports that Chase is running its first TV ad for Apple Pay, focusing on use in small businesses, and featuring Fun lead guitarist Jack Antonoff’s side indie band Bleachers.

The ad, out of creative agency Saatchi & Saatchi, features members of indie pop band Bleachers roaming Los Angeles in the hours leading up to a performance. The musicians make purchases along the way using their Chase Freedom credits cards — but through Apple Pay on their iPhones, not the physical cards.

Chase said that Apple was heavily involved with the ad … 
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This week’s Apple Pay arrivals: Sephora, tickets.com, Disney Store app, Square coming in 2015

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Apple is steadily rolling out more support for banking and card issuer partners since first launching its new Apple Pay payments service last month. The other part of the equation is retailers and app developers supporting the service and this week saw the rollout of additional support including announcements from Sephora, venues that utilize tickets.com, and the Disney Store iOS app. In addition, Square is today confirming that its previously announced under development bitcoin and NFC capable register will arrive with Apple Pay support sometime in 2015.
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Disney Store iPhone app adds Apple Pay checkout ahead of the holidays

Just in time for the holiday shopping season, the Disney Store has updated its iPhone app adding Apple Pay as a checkout option for paying for your purchases. That means iPhone 6 and iPhone 6 Plus users can skip the process of having to manually enter debit or credit card information at checkout and instead pay with the touch of your fingerprint using Touch ID. 
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America First Credit Union announces Apple Pay support for its Visa card

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Adding to the growing list of banks and card issuers adding support for Apple Pay in recent weeks, America First Credit Union today announced it’s rolling out Apple Pay support for its Visa card.

“Security and privacy is our upmost priority when it comes to offering our members the latest in technology and mobile advancements,” said Rich Syme, executive vice president at America First Credit Union. “Apple Pay will bring a new level of efficiency for members, allowing them to pay with their mobile devices in a fast, easy and secure way.”

Apple has been adding several new banks since first launching Apple Pay last month and now lists a total of 17 card issuers (not including America First Credit Union) on its support document last updated earlier this week. There is, however, a long list of banks that have already announced support will arrive soon. The list also includes information for supported card types available through the banking partners. A growing list of retailers have also added support for the service at retail locations recently.

We have a running list of banks that plan to support Apple Pay in the coming weeks and months here. We also have a running list of the latest stores and apps that accept Apple Pay here.
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Eddy Cue takes KTLA holiday shopping to show off Apple Pay (Video)

Apple executive Eddy Cue, in charge of the team that developed Apple Pay, recently participated in some holiday shopping with local news station KTLA to demonstrate how the new mobile payments platform works. Cue, alongside tech reporter Rich DeMuro, visited a number of stores in Santa Monica, California, including Panera Bread, Bloomingdale’s and the Disney Store.
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