What is Apple Pay? How to use Apple Pay?

Apple Pay on Apple iPhone 6 and Apple Watch

Apple introduced a new form of payment called "Apple Pay" on 9th September, 2014 which is gonna change the future of credit cards and mobile payments. Just one tap on your latest Apple device and your payment is done. Apple Pay has made payments that simple.

Trust Apple, you won't find a better payment system than Apple Pay on any mobile phones other than the iPhones. Apple Pay is your future wallet and won't let you use your wallet.

Why Apple introduced Apple Pay?

Apple Pay combines seamlessly integrated hardware, software and services in a way only Apple can. The vision is to replace the wallet and the starting point is payments.

"Apple Pay" - Best Payment System

How Apple Pay works?

Apple Pay NFC Scanner

Touch your phone to a scanner at one of 220,000 physical retail stores and TouchID will help you buy the products with a single tap. There’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6. The whole process takes about 2 seconds. Quite an awesome time saving feature!

When Apple Pay will be available?

  • Starting in October, with iPhone 6 and iPhone 6 Plus, Apple Pay will be available in the US as a free update to iOS 8.

  • Apple Pay will work in stores with iPhone 6, iPhone 6 Plus and Apple Watch.

  • Apple Pay APIs will be available to developers in iOS 8 so they can enable purchasing physical goods within their apps on iPhone 6 and iPhone 6 Plus.

Apple Pay Quick Read Features:

  • Transform mobile payments with an easy, secure and private way to pay.

  • Works with iPhone 6 and iPhone 6 Plus through a groundbreaking NFC antenna design, a dedicated chip called the Secure Element, and the security and convenience of Touch ID.

  • Also compatible with Apple Watch when paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus.

  • Supports credit and debit cards from the three major payment networks, American Express, MasterCard and Visa, issued by the most popular banks including Bank of America, Capital One Bank, Chase, Citi and Wells Fargo, representing 83 percent of credit card purchase volume in the US. These banks will be added soon : barclaycard, navy federal credit union, pnc, usaa, usbank

  • Leading retailers that support Apple Pay include Bloomingdale’s, Disney Store and Walt Disney World Resort, Duane Reade, Macy’s, McDonald’s, Sephora, Staples, Subway, Walgreens, Babiesrus, Toysrus, Petco, Nike, Unleashed by Petco and Whole Foods Market.

  • You can use Apple Pay in these apps: Groupon, Instacart, MLB(.)com, OpenTable, Panera, Sephora, Target, Tickets(.)com, Uber

  • You can pay with Apple Watch by double-clicking the button below the Digital Crown and hold the face of your Apple Watch near the contactless reader and when payment is confirmed, you will hear a gentle beep and pulse.

  • If your iPhone is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode so nothing is accessible, or you can wipe your iPhone clean completely.

  • Users can pay for physical goods and services including apparel, electronics, health and beauty products, tickets and more with Touch ID.

  • Checkout can happen with a single touch, so there’s no need to manually fill out lengthy account forms or repeatedly type in shipping and billing information, and card details are kept private and are not shared with the online merchant.

  • Apple Pay will only be available on iOS 8.

"Apple Pay" - Payment without Credit and Debit Cards

Is Apple Pay Secure?

Apple Pay Payments with Touch ID

  • Apple doesn’t save your transaction information.

  • Payments are private using Apple Pay.

  • Cashiers will no longer see your name, credit card number or security code, which helps to reduce the potential for fraud.

  • Apple doesn’t collect your purchase history and so doesn’t know what you bought, where you bought it or how much you paid for it.

  • If your iPhone is lost or stolen, you can use Find My iPhone to quickly suspend payments from that device. It generates a dynamic security code, replacing the static security code from the back of your card

  • Each Transaction is authorized with a one-time unique number.

  • When you add a card to Passbook, it's number is never stored or shared on your device or Apple Servers.

  • To add a different card, just use your iSight Camera. Or simply type it in manually. The first card you add automatically becomes your default payment card, but you can go to Passbook any time to pay with a different card or select a new default in Settings.

  • Apple Pay is more secure than keeping credit and debit cards in your wallet. 

How App Developers can enable Apple Pay in their Apps?

  • First of all, it is important to understand the difference between Apple Pay and In-App Purchase. 

  • Use Apple Pay to sell physical goods such as groceries, clothing, and appliances. Also use Apple Pay for services such as club memberships, hotel reservations, and tickets for events.
  • On the other hand, use In-App Purchase to sell virtual goods such as premium content for your app, and subscriptions for digital content.

  •  To get started with Apple Pay, you’ll need the GM seed of Xcode 6 and the iOS 8 SDK.


App Store Review  Guidelines for Apple Pay

Before submitting your Apple Pay enabled App, check out the following App Store Review Guidelines for Apple Pay:

  • Apps using Apple Pay must provide all material purchase information to the user prior to sale of any good or service or they will be rejected.

  • Apps using Apple Pay must use Apple Pay branding and user interface elements correctly and as described in the Apple Pay Human Interface Guidelines or they will be rejected.

  • Apps using Apple Pay as a purchasing mechanism may not offer goods or services that violate the law of any territory in which the good or service will be delivered and may not be used for any illegal purpose.

  • Apps using Apple Pay must provide a privacy policy or they will be rejected.

  • Apps using Apple Pay may only share user data acquired via Apple Pay with third parties when provided to facilitate or improve delivery of goods and services or to comply with legal requirements.