Tag Archives: payments

Apple Pay – All you need to know

Apple Pay will eventually replace your wallet. When Tim Cook launched Apple Pay last year it has escalated into the most simplest, secure and speedy method of making payments on the go and within apps. Apple Pay has been a big success in the US since its launch in October 2014, and last week Apple Pay launched in the UK. Here are all the details you need to know….

How do I set it up?

If you are an iPhone 6, iPhone 6 Plus or Apple Watch user then Apple Pay is for you. Setting up your device for Apple is very simple. Make sure you are on the latest iPhone software (currently iOS 8.4) and go to the Settings App. Scroll down to ‘Passbook & Apple Pay’ and then tap ‘Add Credit or Debit Card’. You’ll then be asked for your Apple ID password, then click ‘Next’ in the top right corner.

A camera window will appear where you need to place your debit or credit card in the window so it can scan your cards details. Check your details and enter your card’s security code. Now all you need to do is activate the card which can be done via a call or text and you’re ready to go. The process is similar within the Apple Watch app for Apple Watch users.

Please note that not all UK banks are offering the service at present. American Express, MBNA, Nationwide, NatWest, RBS, Santander and Ulster Bank customers are able to use Apple Pay. HSBC will launch on 28th July and Barclays later in the year.

Where and how can I use it?

You can use Apple Pay wherever there is a contactless payment terminal. Most retailers such as Boots, Costa, McDonalds, Nando’s, Subway and many more are offering the service. Also if you live in London and use Transport for London to get around, then you can use Apple Pay via the Oyster Card terminal to pay for your travel. In the UK, there is a £20 payment limit which will increase to £30 in September 2015.

Using Apple Pay is very simple. On your iPhone 6 or 6 Plus, simple bring your device close to the contactless pay terminal and your phone will ask for your fingerprint on Touch ID. Simply place your finger on the fingerprint sensor and you’re done. You’ve paid using Apple Pay. You’ll hear a sound and your phone will vibrate once payment is confirmed. With Apple Watch, simply double click the side button and you’re cards will appear. Bring your Apple Watch close to the pay terminal and you’ll hear a sound and feel a vibration once complete.

How secure is it?

Apple Pay is very secure. Even more secure than your PIN number. PIN numbers can be easily guessed and stolen which can lead to fraudulent activity. As Apple Pay uses Touch ID and your fingerprint it makes it very difficult to copy or duplicate. No card details are passed on to the merchant which keeps you in total control of your personal information. Authorisation can only be done with your fingerprint so this makes your payments using Apple Pay very secure.

Have any questions about Apple Pay? Ask away in the comments below…

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3 Tech trends to boom in 2015

Technology always been one step ahead of the game. It’s what drives us forward in life by making life’s challenges easier and simpler. This year and beyond will see technology move even further forward, making the 90’s seem generations away.

Here are my top 3 trends in technology for this year and beyond….


Paying with your credit card at a point of sale or online is beginning to become a thing of the past. There are many online payment services but we will begin to see payments using many other devices and services. There have recently been services such as Apple Pay and Google Wallet. Using services like these with your smartphone or smart watch will soon be the norm.

With a recent technology called NFC (Near Field Communication) which is used in London’s Oyster travelcard, this technology is now moving to smartphones. Most people have a smartphone so you will be soon be making your daily online and in store purchases with your favourite smartphone.

Smart home

The home is beginning to evolve from a simple place to relax and enjoy to being a tech hub of the future. Using anything electrical in your home has usually been initiated with your physical command of pressing a button or the on/off switch. With services such as Apple’s HomeKit, you will be able to use all your home’s electrical essentials with a simple tap on your smartphone.

Whether you are at out for the evening or even travelling abroad, tasks such as turning on the heating and opening the garage door will be as easy as tapping your smartphone. These day to day tasks have been simplified to make your lives easier and stress-free. Watch out! This will be a trend that will accelerate in the coming months for sure…


What is a drone? A drone can be simply described as an electronic flying device that can be used for many different uses. Parrot’s AR Drone which was released a few years ago was initially a game play device that enables you to use your smartphone to fly the drone as part of an interactive game. We are now seeing drones being used in many different ways.

Companies such as Amazon and Facebook have been testing drones on how to improve and deliver services to people much faster. Amazon will be using drones to make quicker deliveries to homes, and Facebook hopes to deliver internet services to areas of the world where the web isn’t easily accessible. This is also a much cheaper and efficient way of providing these services to its users. This trend is for sure to take off, so keep looking up and see if you can spot a flying drone in the near future…

Any other tech trends you think will take off this year and beyond? Let me know in the comments below…

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