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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

Apple in talks to expand NFC in iPhone 6 beyond Apple Pay, replace building keycards and transit tickets

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The Information is reporting that Apple is actively scouting out partnerships to increase the utility of the NFC chip inside the iPhone 6 and iPhone 6 Plus. Right now, the chip can only be used for payments through Apple Pay as the API is not available to third-party developers.

The Information says that the company is talking to potential partners about using the technology for things like building security, public transit tickets and more. The report names that Apple has already been in talks with HID Global and Cubic, who make electronic ‘keycard’ secure building access and transit fare systems.

The Apple representatives have talked to technology providers like HID Global and Cubic, which enable secure access to buildings and transit fare systems, respectively, said people briefed on the discussions. Spokespeople for the companies declined to comment about any discussions with Apple, but executives there discussed how they could integrate their systems with the iPhone.

In fact, Apple has already announced a similar partnership with Starwood Hotels, where Apple users can replace hotel keycards with their Apple Watch, although this uses Bluetooth rather than NFC technology.


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CVS and Rite Aid Apple Pay blockade official as iOS and Android users unite in rare showing to fight NFC ban

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The NYT reports that Rite Aid has joined CVS in disabling Apple Pay as a payment method in its stores. Like CVS, Rite Aid is a member of the Merchant Customer eXchange (MCX) consortium promoting a rival mobile payment service, CurrentC.

Consumers are responding by threatening to boycott stores which disable Apple Pay, with more than 2,000 comments across several Reddit threads on the topic. Android users are joining in, as disabling NFC also blocks alternative mobile payment services offered by higher-end Android handsets … 
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CVS begins disabling NFC terminals in stores to cut off Apple Pay support in favor of ‘CurrentC’

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CVS Pharmacy has decided to disable all NFC terminals in all of its stores after it was discovered that Apple Pay would work with the hardware. CVS sent a memo to its stores, which was posted by SlashGear, saying that Apple Pay was not a supported payment type and that customers would have to choose some other payment method in order to check out.

The notice also explains the reason for the change: CVS is currently part of a consortium of retailers attempted to create an alternative mobile payment method called CurrentC. The new system isn’t based on NFC. It is, however, based on something you’ve probably seen before…


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Amazon Rewards Visa card now ready to load in Apple Pay

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Update: A spokesperson for Amazon confirmed Amazon Rewards Visa cards now support Apple Pay: “Amazon Rewards Visa Cardholders can now pay with Apple Pay. The website (https://www.chasedigitalpayments.com/) has been updated and cardholders can now start provisioning their cards.”

Just two days after Amazon said it was working to enable its Rewards Visa card in Apple Pay, the company has made good on its promise. Reddit users are reporting success in adding the card, and TechCrunch posted the above photo of a card loaded into the app … 
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Tim Cook talks Apple Pay, Apple Watch and security on final day in China

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On the final day of Tim Cook’s four-day visit to China, he told state news agency Xinhuanet that Apple Pay was top of the list of things the company wanted to take to China.

“China is a really key market for us,” said the CEO. “Everything we do, we are going to work it here. Apple Pay is on the top of the list.”

Cook said that Apple would be working to understand the steps needed to bring the new service to China before meeting with local carriers, banks and merchants …

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List of banks that will support Apple Pay in coming weeks/months

Visa has published a list of banks and financial institutions that will support Apple Pay in the United States “in the coming weeks,” while MasterCard has its own list of supported banks arriving in the coming months. The mobile payments service officially launched on Monday, October 20th and currently supports cards issued by Bank of America, Capital One, Citi Bank, Chase and Wells Fargo Bank. A full list of banks coming soon from Visa and Mastercard below:
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Bank of America confirms some Apple Pay customers seeing double charges, expects fix today

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Following up on a bevy of miscellaneous issues with Apple Pay, some Bank of America account holders are now reporting that the new service is charging them twice for some transactions. Re/code has now confirmed that Bank of America is in fact experiencing a technical error that is causing the double charges and is currently attempting to roll out a solution that will resolve the problem.

The glitch was apparently the result of a miscommunication between the bank’s systems and an unnamed payment network and wasn’t Apple’s fault at all, according to the report. The bank said that only about 1,000 transactions were affected by the problem, which is a relatively minute number compared to the number of transactions likely being carried out nationwide today.


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Amazon confirms it’s working on Apple Pay support for its Visa rewards card

Following our report yesterday that some card types are not yet supported with Apple Pay, today Amazon confirmed in a statement to GeekWire that its working to offer support for its Amazon Rewards Visa Cards.

A Chase spokesman confirmed to GeekWire that Amazon is not supporting Apple Pay initially, but did not provide a reason… But an Amazon spokesman confirmed to GeekWire this evening it is working to enable the Amazon.com Rewards Visa Card for use on Apple Pay, although declined to say when it would be available.

Yesterday we noted that some co-branded cards, as well as other card types from business cards to prepaid cards, are not yet supported on Apple Pay through certain banks. Many readers reported that Amazon’s Rewards cards for Chase were not yet working, but today is our first official word from Amazon that its indeed not yet supporting the platform. Apple lists Chase as supporting co-branded cards, but it does warn users to contact their bank for information about specific cards that are supported.

As we noted yesterday, Apple’s support document confirms that only American Express and Capital One are listed as supporting small business credit cards, for example. Capital One and J.P. Morgan, on the other hand, don’t support Co-branded cards (Airline, hotel, retail, rewards), while the other banks do. Corporate cards are also not yet supported, while several readers report problems with some card types that are listed as supported in Apple’s chart (below).

MasterCard kicks off Apple Pay advertising on TV with its latest World Series promotions

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We haven’t seen any TV ads from Apple for Apple Pay since it launched earlier this week on Monday, but that doesn’t mean no one else is advertising the new mobile payment service on television. Apple Pay partner MasterCard has begun airing a new set of MLB World Series-focused ads aggressively promoting Apple Pay and the iPhone 6 in the process. As we noted earlier this week, both MLB stadiums for the World Series will be accepting Apple Pay at the concession stands for each baseball game meaning you got buy your peanuts and cracker jacks using just your iPhone 6 or 6 Plus. Check out the ads below to spot Apple Pay in action at the baseball stands.
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Certain card types through some banks (and all corporate cards) are not yet supported on Apple Pay

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Update: Apple has removed support for prepaid cards from American Express. It also added a column for corporate cards, hinting that support for those cards might be on the way.

With Apple’s launch of its new Apple Pay payments service in the US yesterday, it has now published a support document detailing supported card types from each of its initial banking partners. We already knew that MasterCard, Visa, and American Express cards would be supported initially through a growing list of banking partners, but the support document shows certain types of cards, like business and corporate cards, aren’t yet supported through some banks.
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Apple Pay already works abroad on supported NFC terminals w/ US-based cards

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Following yesterday’s launch of Apple Pay through participating card issuers, banks and retailers in the US, some users have discovered that the payment service is also already being accepted through some retailers abroad. 9to5Mac readers report using Apple Pay loaded with a US-based credit card at retailers in Australia and Canada…
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Both MLB stadiums will accept Apple Pay at concession stands for 2014 World Series

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Forbes reports today that during the 2014 World Series (which starts tomorrow) two MLB stadiums will be accepting Apple Pay at concessions stands. Kansas City’s Kauffman Stadium and San Francisco’s AT&T Park will be the first professional sports stadiums to accept Apple’s new payment process.

MLB hasn’t clarified when the rest of the league’s stadiums will begin accepting Apple Pay. The hardware has apparently only been installed at the World Series stadiums so far.

There are also plans to implement Apple Pay in the MLB At the Ballpark app to allow users to purchase tickets using Touch ID in a future update, though there’s no timeline for when that feature will be available just yet.


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Find NFC-compatible merchants around you with MasterCard Nearby

With today’s launch of Apple Pay alongside iOS 8.1, iPhone 6 and iPhone 6 Plus owners can now use their phones to pay for goods using NFC & Touch ID. Apple states that over 220,000 stores are accepting Apple Pay, but finding nearby merchants can be a bit difficult without referring back to our running list 24/7.

As it turns out, the MasterCard Nearby app has a map view of merchants with Contactless (read: NFC-compatible) POS systems where you can use Apple Pay. Restaurants, entertainment locations, gas stations, and other types of businesses are listed out in the app.

In a WSJ interview, Eddy Cue stated “there’s a lot to do here” regarding Apple Pay, but with the technology already working with the open NFC technology rather than depending on merchants to sign a deal with Apple, the current number of businesses with compatible POS systems is promising.

(h/t @NSDelToro)

Apple Pay Day: Experiences with Apple’s new payment service mostly positive

Apple Pay, which was unveiled to the world at the launch of the iPhone 6 and 6 Plus, has officially launched in the U.S. today alongside iOS 8.1. Experiences with the service on its first day have been mixed, and notably, Eddy Cue this morning to acknowledged that in saying that Apple still has “a lot of work to do.” Some banks are requiring verification processes which are taking time, and some widespread credit card companies, like Discover, aren’t yet supported at all. But some experiences with Apple Pay have been seamless and it seems that, so far, the service is working as expected despite its slow roll-out.
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How to set up Apple Pay (Video)

Apple has released iOS 8.1 and with that, we have Apple Pay support. This is Apple’s new mobile payment platform that takes advantage of the NFC capabilities of iPhone 6 and iPhone 6 Plus. This will allow you to make purchases in stores that support Apple Pay using supported cards from a growing list of banks. Setting up Apple Pay is very simple and we’ve put together a quick tutorial to walk you through the process…


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Apple Store app for iPhone and iPad updated with Apple Pay support

Alongside iOS 8.1, Apple has released a new version of its Apple Store app just in time for Apple Pay. The new version supports Apple’s new mobile payment service with a dedicated “Buy with Apple Pay” button available at checkout. You can download the update for free from the App Store, but be prepared to pay real money for whatever you end up buying in the app.

Apple Pay is available today for iPhone 6 and iPhone 6 Plus users, and iPad Air 2 and iPad mini 3 users will be able to buy merchandise within apps when the new tablets ship later this week.

Apple’s Apple Store app is among the first apps to update with Apple Pay support, and a number of other apps are already hitting the App Store now that the service is available.

Apple releases iOS 8.1 with Apple Pay, iCloud Photo Library, SMS Relay & Instant Hotspot, more

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Just as Apple announced at its iPad & Mac event last Thursday, iOS 8.1 is now publicly available with new features including Apple Pay, iCloud Photo Library, and additional Continuity features. Apple Pay is available for iPhone 6 and iPhone 6 Plus users for making payments for purchases with the new iPhone rather than a physical credit card in supported retail stores and apps; iPad Air 2 and iPad mini 3 users will be able to use Apple Pay within supported apps as well. In addition to iOS 8.1, Apple also released version 7.0.1 for third-generation Apple TV boxes.


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As Apple Pay launches, Eddy Cue says “a lot of work to do,” predicts slow retail take-up

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On the day that Apple Pay goes live, SVP Eddy Cue has told the WSJ that the company “has a lot of work to do” on the service, suggesting that initial take-up may be slow – with in-app purchases making up the largest share of transactions in the short-term.

We’re trying to do something that I think is a game changer and it requires a lot of people to play together. There’s a lot to do here and we have a lot of work to do, but it should be huge.

Although the list of retailers who have committed to Apple Pay looks impressive, it is far from comprehensive, with some big names missing – including the largest retailer in the US, Wal-Mart … 
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American Express publishes new web page explaining Apple Pay setup and purchases

American Express has published a new web page explaining the benefits of Apple Pay to cardholders and providing directions on how to setup the payment system, which won’t actually be available until next week. The page also points out that American Express cardholders will be able to get the same rewards and other perks that usually come with a credit card when using the card through Apple Pay.

The page says that customers will have a “seamless connection” to the American Express app and lists a few stores where NFC payments will be accepted. The page was emailed to cardholders today in preparation for the release of the software update on Monday.


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Analysts remain positive about AAPL following event, focused on iPhone and Apple Pay

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While the relatively modest iPad updates might have led to a flurry of ‘Apple is doomed’ reports from analysts, an early roundup by Fortune suggests that the consensus view so far remains positive. Most are rating it a buy or overweight – meaning they expect it to outperform typical stocks – with the majority setting a target price in the $112-120 range …


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The latest stores and apps to accept Apple Pay (Running list)

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Update: Visit Apple.com/ApplePay for the latest information on where to use Apple Pay in stores, and featured Apple Pay apps for iPhone and iPad here.

With Apple Pay launching on Monday with iOS 8.1 for iPhone 6 and iPhone 6 Plus users, Apple CEO Tim Cook shared an update at today’s special event with additional retailers and iOS apps that will accept Apple Pay at launch or have committed to accept Apple Pay in the future. According to Apple’s microsite for Apple Pay, the company has added 16 additional retailers and venues with plans to accept Apple Pay at launch or in the future. In addition to those retailers and venues, Apple has added 12 additional apps that plan to accept Apple Pay starting on Monday or sometime after the launch date.
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