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…