How To Use Apple Pay At Store

Apple tree Pay Overview

Contents

1. Apple Pay Overview
2. Setting Upwardly Apple Pay
3. How It Works
4. In More than Detail
5. Apple Pay on the Spider web
6. Apple Greenbacks
7. The Apple tree Bill of fare
8. Tap to Pay on iPhone
9. International Expansion
10. Contest
11. Apple tree Pay Timeline

Apple Pay is Apple's mobile payments service. Every bit with the Apple Picket, Apple has adopted the Apple symbol "" followed by "Pay" for the service's name, though the company as well refers to information technology every bit "Apple Pay."

Available since October 20, 2014, Apple tree Pay is designed to allow iPhone six, 6s, 6, 7, viii, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, X, XS, XS Max, XR, iPhone 11, iPhone 12, and iPhone xiii users in the Us, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Macau, Nippon, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, UAE, Brazil, Ukraine, Kingdom of norway, Poland, Belgium, Kazakhstan, Germany, Saudi Arabia, South Africa, Republic of austria, the Czech Republic, Iceland, Hungary, Grand duchy of luxembourg, The Netherlands, Bulgaria, Croatia, Georgia, Cyprus, Republic of estonia, Greece, Republic of latvia, Principality of liechtenstein, Republic of lithuania, Malta, Portugal, Romania, Slovakia, Slovenia, Belarus, Serbia, Mexico, State of israel, Qatar, Chile, Bahrain, Palestine, Republic of azerbaijan, Costa Rica, Colombia, Argentina, Peru, and Moldova to make payments for goods and services with their iPhones in retail stores using an NFC chip built into their iPhones.

With the Apple tree Watch, Apple Pay also extends to the iPhone 5, iPhone 5c, and iPhone 5s. To use Apple Pay with i of these devices, a paired Apple tree Watch is required to brand the payment. This is made possible through the NFC chip included in the Apple Watch. The Apple Lookout can as well make payments when paired with newer iPhones, so you lot don't need to pull your telephone out to use the payments service.

Apple Pay also lets users make one-tap purchases within apps that have adopted the Apple Pay API, and it is available on the web on devices running iOS ten or macOS Sierra or later. Devices capable of using Apple Pay within iOS apps or on the web include the iPhone vi and later, iPad Air 2 and after, iPad mini 3 and afterward, iPad Pro models, and Macs with Touch ID. All of these devices feature Touch ID or Face ID and incorporate an NFC controller where the "Secure Chemical element" of Apple tree Pay is located, keeping customer data private.

In 2017, Apple enabled person-to-person Apple tree Pay payments through the Messages app on the iPhone and Apple Scout. Using Apple Cash, you tin can ship coin to friends or family in the Us. Apple in August as well introduced its own credit card, the Apple Menu, which has unique perks and benefits and offers deep integration with Apple Pay and the Wallet app.

Apple Pay has seen a major change with the introduction of the iPhone X and later on every bit these iPhones feature Face ID facial recognition instead of Touch ID fingerprint hallmark. Facial scans rather than fingerprint scans are used to ostend payments on the new device.

To keep transactions secure, Apple uses a method known as "tokenization," preventing actual credit carte du jour numbers from being sent over the air. Apple tree also secures payments using Bear upon ID or Face ID on compatible iPhones and continual skin contact on the Apple Watch.

Apple is aiming to supervene upon the wallet with Apple Pay, and the ane-stride payment process prevents people from needing to dig through a purse or wallet to find credit or debit cards. Considering it is built on existing NFC engineering, Apple Pay works anywhere NFC-based contactless payments are accepted.

Every bit of 2019, Apple Pay has overtaken Starbucks to become the well-nigh popular mobile payment platform in the The states, and it is on track to account for 10 percent of global carte du jour transactions by 2025.

Note: Run across an fault in this roundup or want to offer feedback? Send u.s. an email here.

Setting Up Apple tree Pay

After installing iOS eight.1 or subsequently, Apple Pay tin can be ready in the Wallet app. Tapping the "+" icon in Wallet lets users to add a credit or debit card to Apple Pay, either selecting a card already on file with iTunes or scanning one in with the camera. Apple Pay tin can also be gear up by using the prompts when setting up a new iPhone, iPad, or Mac.

Credit and debit cards are verified in just a few seconds, merely some cards crave a phone phone call, app download, or an electronic mail to verify a carte du jour before it can exist added to Apple Pay. One time a menu is verified, it is immediately available for purchases both in stores and within apps. Upwardly to 8 cards tin be registered with Apple tree Pay at one time.

Apple Pay can be managed in the Settings app, located in the "Wallet and Apple tree Pay" section. Each menu added to Wallet is listed in that department, along with information like billing address, email, and telephone number. Borer on a carte offers specific information like last digits of the carte du jour number, last digits of the Device Account Number that replaces the card number in transactions, and information technology also provides contact information for the bank that issued the card.

Some cards are also able to brandish transaction information, offer a list of recent transactions that have been made, with Apple Pay or with a traditional purchase via physical card.

Apple Pay How Tos

• How to Change Your Default Bill of fare for Apple tree Pay Purchases on Your iPhone

• How to Alter Your Default Card for Apple Pay Purchases on Your Apple Watch

• How to Change Your Default Card for Apple Pay Purchases on Your Mac

How It Works

In a retail store, when approaching a bespeak-of-sale organisation uniform with Apple Pay, the screen of the iPhone lights upwards and opens Wallet automatically, where a user tin tap on a credit card to be used or pay with the default Apple tree Pay card.

A payment is made past holding a compatible iPhone or Apple tree Watch near a checkout organization that includes NFC, most of which wait like standard card checkout terminals inside stores. A finger registered with Touch ID must be kept on the home button for a short corporeality of fourth dimension (or the Apple Watch must be kept on the wrist), after which a payment is authenticated and the transaction is completed.

A completed payment is denoted by a slight vibration, a check mark on the screen, and a beep. On devices with Confront ID, a facial scan is used in lieu of a fingerprint scan, and a double tap is required on the side button of the device to confirm a payment.

In some stores and in some countries, users may still be asked for a PIN code due to older point-of-sale machines, transaction limitations, and laws in certain countries, but for the about function, checking out with Apple Pay is an like shooting fish in a barrel i-stride process that does not require a signature or Pin.

With Apple tree Pay, a cashier does not meet a credit card number, a name, an address, or any other personally identifying information, making it more secure than traditional payment methods. In that location is no need to accept out a credit bill of fare or confirm the actuality of a credit card with a driver'south license or ID card, because all of that information is stored on the iPhone and protected by several built-in security systems, including Touch ID.

Making a payment online via Apple Pay is just as simple as an in store payment because it uses the same credit bill of fare and authenticates with Touch ID in participating apps that take adopted the Apple Pay API. Using Apple Pay in an app or on a website bypasses all of the steps that are ordinarily required when making an online purchase, including entering shipping and payment data.

Afterwards an item is added to an online cart and a user initiates the checkout process, Apple Pay tin be selected as the payment method. The aircraft/billing address associated with the credit or debit card on file is automatically entered, as is a user's name, and the purchase is confirmed via Touch ID. During this process, information like aircraft address tin be altered, which is useful when ordering a gift. Online payments using Apple Pay for the spider web follow the aforementioned process.

Online and retail store payments are both limited to participating merchants. Apple Pay is only available within apps and on websites that take adopted the Apple Pay API and to brand a payment in a retail location, the shop needs to back up Apple Pay directly or let NFC payments.

In More than Detail

Compatible Devices

Apple tree Pay in stores is available for the iPhone 6, 6s, 6 Plus, 6s Plus, SE, vii, 7 Plus, 8, 8 Plus, X, XS, XS Max, XR, 11, xi Pro, 11 Pro Max, iPhone 12 mini, iPhone 12, iPhone 12 Pro, and iPhone 12 Pro Max, iPhone 13 mini, iPhone thirteen, iPhone thirteen Pro, iPhone xiii Pro Max, all of which contain about-field communication (NFC) chips that have not been incorporated into previous-generation iPhones.

Apple Pay also works with Apple tree Lookout, the company'southward wrist-worn wearable device. The Apple Watch allows owners of older iPhones, including the iPhone 5, 5c, and 5s, to use Apple Pay in retail stores. Though the Lookout needs to be paired with a phone, Apple Pay can be used when the phone is not present.

Security

Apple puts a heavy emphasis on security when advertising Apple tree Pay, to clinch iPhone owners that their payment data is safe, and, in fact, safer on an iPhone than inside of a wallet. According to former credit card executive Tom Noyes, the way Apple Pay has been designed to work makes it "the most secure payments scheme on the planet."

When a credit or debit card is scanned into Wallet for utilise with Apple tree Pay, it is assigned a unique Device Business relationship Number, or "token," which is stored in the phone rather than an actual bill of fare number.

The iPhone itself has a special defended chip called a Secure Chemical element that contains all of a user's payment information, and credit card numbers and information are never uploaded to iCloud or Apple tree'due south servers. When a transaction is made, the Device Business relationship Number is sent via NFC, along with a dynamic security code unique to each transaction, both of which are used to verify a successful payment. The dynamic security code is a 1-time use cryptogram that replaces the credit card's CCV and is used to ensure that a transaction is being conducted from the device containing the Device Business relationship Number.

Dynamic security codes and Device Account Numbers (aka, tokens and cryptograms) are not unique to Apple and are built into the NFC specification that the company is adopting. In fact, much of the Apple Pay system is built on existing technology.

Along with Device Account Numbers and dynamic security codes, Apple besides authenticates each transaction through Touch ID or Face ID. Whenever a transaction is conducted with an iPhone, a user must place a finger on Touch ID or consummate a facial scan for the payment to go through.

With the Apple Watch, authentication is done through pare contact. When the watch is placed on the wrist, a user is prompted to enter their passcode. Later on a passcode is entered, every bit long every bit the device continues to have contact with the skin (which is monitored through the heart rate sensor), it'south be able to be used to make payments. If the watch is removed and skin contact is lost, it can no longer exist used to make payments.

Both Touch ID, Face up ID, and the skin contact authentication method in the Apple Lookout man prevent someone who has stolen an iPhone or Apple Watch from making an unauthorized payment.

Considering Apple utilizes Device Business relationship Numbers, a user'south credit carte du jour number is never shared with merchants or transmitted with payments. Store clerks and employees practise not encounter a user's credit carte du jour at any betoken, and they also exercise not have access to personal information similar a name or accost because an ID is not required for verification purposes.

Furthermore, if an iPhone is lost, the owner can employ Discover My iPhone to suspend all payments from the device, without needing to go through the hassle of canceling credit cards.

Banks are confident in Apple Pay'south security, and have opted to presume liability for any fraudulent purchases fabricated both in retail stores and online using the system.

Privacy

Apple has been careful to point out the company does not store or monitor the transactions that people make with Apple tree Pay. Apple says it does non know what people are purchasing, nor does information technology save transaction information.

"We are not in the concern of collecting your data," said Boil Cue during the keynote spoken language introducing Apple Pay. "Apple doesn't know what you bought, where you lot bought it, or how much yous paid. The transaction is between you lot, the merchant, and the bank."

U.S. Partners

Uniform Credit Cards and Banks

Apple has partnered with the major credit and debit bill of fare companies in the Us: Visa, MasterCard, Discover, and American Express. Apple tree has as well signed deals with major banks, including Bank of America, HSBC, Uppercase One, Chase, Citi, American Express, and Wells Fargo, plus it has established deals with hundreds of smaller banks beyond the country.

A current list of bank partners can exist found on Apple'southward participating banks back up document.

Shop Credit Cards:

In October of 2015, Kohl's became the first retail store to allow Apple tree Pay to be used with its in-store credit cards. Kohl'due south Charge Cards tin can now be added to Apple tree Pay and used to brand purchases in Kohl's retail stores. In May of 2016, Kohl'southward also became the start retailer to support both store payments and rewards with a single tap in Apple Pay, allowing users to automatically get rewards points when using their Kohl'due south cards without the need for a second Apple Pay transaction.

BJ'southward Wholesale Club Credit Cards began working with Apple Pay in December of 2015. JCPenney also began supporting Apple Pay in mid-2017 for its shop cards, and other stores accept also been implementing rewards into Apple Pay.

Retail Partners:

Because Apple tree Pay is based on already existing NFC technology, the service works in hundreds of thousands of locations that accept contactless payments in the countries where Apple Pay is accepted. Apple Pay launched with a handful of partners, but over the grade of the final two years, many more stores have begun accepting the payments service.

Apple Pay is accepted in more than than a million retail stores, restaurants, gas stations, grocery stores, and more across the U.s.a.. By the showtime of 2019, Apple Pay was available in 65 percent of U.S. retail locations. 74 of the top 100 merchants in the United States accept Apple Pay.

Some of Apple'south partners include All-time Buy, B&H Photo, Bloomingdales, Chevron, Disney, Dunkin Donuts, GameStop, Jamba Juice, Kohl'due south, Lucky, McDonald's, Part Depot, Petco, Sprouts, Staples, KFC, Trader Joe's, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bell, and 7-xi.

Transit systems in Philadelphia, Portland, Chicago, New York, Boston, San Diego, Los Angeles, Hong Kong, Toronto, Montreal, Washington, D.C., San Francisco, and 275 cities in China have added support for Apple Pay, with a list of states, countries, and regions that back up Apple Pay for transit available here.

Apple tree Pay can be used to pay for transit on iPhone and Apple Scout, and in many of the in a higher place listed areas, Express Transit Mode is available. With Express Transit Style, the iPhone and Apple Picket can exist used to apace pay for rides without having to unlock the device, open up an app, or validate with Face ID/Touch on ID.

Apple tree Pay is likewise available in many places outside of traditional retail stores, including universities, ballparks, non-profit organizations, Bitcoin payment providers, and even ATMs from Bank of America, Hunt, and Wells Fargo.

A full list of locations where Apple Pay is accepted in the United States can be found on Apple's Apple Pay website.

Apps:

Apple Pay support can be congenital into any app, and thousands of apps, representing businesses both big and small, accept Apple Pay every bit a payment method in their apps. When used in an app, Apple tree Pay payments can be made on iPhones and iPads equipped with Touch on ID fingerprint sensors.

Apple Pay Loyalty Card Integration

In the fall of 2015, Apple Pay began working with diverse shop loyalty programs, assuasive customers with loyalty cards stored in the Wallet app to use them over NFC in participating stores. Loyalty cards from eligible stores added to Wallet pop up at NFC terminals simply like credit cards.

Walgreens was the first company to support the Apple tree Pay loyalty program. Walgreens customers can add their Walgreens rewards cards to Wallet where they can be used like any other credit or debit card during the checkout process to earn rewards points.

Checking out with a rewards menu is a two-step process in almost stores -- kickoff it'southward necessary to actuate the rewards carte with a finger on Touch ID, followed by the actual payment. Kohl'due south is an exception, having introduced one-touch rewards and payment integration.

Goldman Sachs Partnership

Apple and Goldman Sachs partnered to launch credit card called Apple Menu that features Apple tree Pay branding and offers ii percent cash back on Apple Pay purchases. Goldman Sachs replaced Barclays as Apple's financing partner, and Apple Card as well offers financing options for Apple tree products in addition to cash bonuses for Apple tree Pay purchases. The Apple Card is limited to the United States at the current time.

Apple's Cut

Apple collects a fee from banks each time consumers use the Apple tree Pay payment solution to make a purchase. According to rumors, Apple tree has struck individual deals with each depository financial institution it has partnered with, including Hunt, Bank of America, Wells Fargo, and more.

Apple tree's cut is reportedly at approximately 0.15 percent of each purchase, which equates to fifteen cents out of each $100 purchase.

Apple Pay on the Spider web

With iOS 10 and macOS Sierra, Apple Pay expanded to websites. Participating websites have begun offering Apple Pay as a payment option when checking out, giving Apple Pay users an alternative to payments services like PayPal. Many websites and payment providers like Stripe, WePay, and SquareSpace support Apple Pay on the web.

On Macs with a Bear upon Bar, purchases are verified through Bear upon ID. On other machines, purchases are verified through a connection to an Apple tree Sentry or an iPhone, with the purchase authorized via Touch ID/Face up ID, and on the iPhone and iPad, purchases are authorized through Bear upon ID (or Face ID on iPhone 10) as normal.

Apple tree Greenbacks

In iOS 11.two, Apple introduced Apple Greenbacks (formerly Apple tree Pay Greenbacks), designed to allow users to ship peer-to-peer Apple Pay payments using Messages on the iPhone, iPad, and Apple tree Watch. Apple Greenbacks lets you send money to friends and family with a connected debit card, similar to services like Foursquare Cash or Venmo.

Money tin can exist sent in Letters using standard fingerprint/face authentication (or peel authentication on the Apple tree Watch), and funds received are available in a new Apple Cash card that's located in Wallet. This card tin can be used to make Apple Pay purchases where Apple Pay is accepted (similar to whatsoever other credit or debit card stored in Apple tree Pay), or it tin can be transferred to a banking concern account. Apple partnered with prepaid carte provider Dark-green Dot for the Apple Cash card.

Sending money using Apple Cash via Messages requires an Apple tree Pay-compatible device, which includes the iPhone SE, iPhone 6 or later, iPad Pro, iPad 5th & 6th generation, iPad Air 2, iPad mini 3 or afterward, and Apple Lookout man. Person-to-person payments are limited to the United States at the current time.

Like many peer-to-peer money transferring services, sending coin is complimentary when a debit bill of fare is used, and while Apple tree used to allow coin to be loaded using a credit card for a small fee, you can now only add coin to Apple tree Greenbacks via a debit card.

Apple Cash is express to the United States, just could soon expand to several countries in Europe.

According to a recent study past Consumer Reports, Apple Cash is the best peer-to-peer mobile payments service thanks to Apple's robust security and privacy policies. Apple Cash trounce Venmo, Foursquare Greenbacks, Facebook Messenger payments, and Zelle.

The Apple Card

Apple in Baronial 2019 introduced the Apple tree Menu, its own credit carte in partnership with Goldman Sachs and Mastercard. The Apple Card is a new concrete and digital credit bill of fare that iPhone users in the U.South. can sign upward for on the iPhone.

Apple Card works similar a traditional credit card, but it is securely integrated into the Wallet app, offer up real-time views of the latest transactions and a consummate overview of spending organized by category along with payment options optimized for encouraging minimal interest.

Apple is offering a "Daily Cash" greenbacks back plan that gives you i percent cash back on all purchases, 2 percent cash back on all Apple Pay purchases made with Apple Bill of fare, and 3 percent on all Apple-related purchases at Apple tree retail stores, the App Store, iTunes, and some third-party partner stores. Daily Cash is immediately available in the Wallet app, delivered on the Apple Greenbacks bill of fare.

Apple also offers three percent cash back when using the Apple Card with Apple Pay for Uber, Uber Eats, T-Mobile, Walgreens, Nike, and Duane Reade purchases. In the future, Apple tree also plans to bring three per centum cash back rewards to other merchants and apps.

Client support for Apple Menu is washed through the Messages app, and in that location are no fees associated with the card. Apple is aiming to provide low interest rates, merely APR is be based on credit score and credit approval is required. Privacy is a major focus, and the physical Apple Carte - fabricated out of titanium engraved with your proper noun - has no number on it, no signature, and no expiration date, with info instead stored in the Wallet app.

We have a full guide with everything that you need to know near Apple Carte du jour bachelor here.

Tap to Pay on iPhone

Apple in February 2022 introduced "Tap to Pay on iPhone," a feature designed to permit NFC-compatible iPhones to accept payments through Apple Pay, contactless credit and debit cards, and other digital wallets, without requiring additional hardware.

The Tap to Pay characteristic is coming in the spring and it volition work with the ‌iPhone‌ XS or afterward, allowing supported iOS apps to take ‌iPhone‌ to ‌iPhone‌ payments. At checkout, a merchant is able to prompt a customer to hold their ‌iPhone‌, Apple Picket, contactless credit or debit carte, or other digital wallet shut to the merchant'south ‌iPhone‌ to complete a payment over NFC.

Stripe has announced that information technology will exist the first payment platform to offer Tap to Pay on ‌iPhone‌ to business customers, including Shopify users, after this spring. Apple Stores in the U.S. will also scroll out support for the feature later on this year.

International Expansion

UK

On July 13, 2015, Apple Pay expanded beyond the Us for the offset time, launching in the U.k.. As in the U.Southward., Visa, MasterCard, and American Express all supported Apple Pay at launch. UK Banks supporting Apple Pay at launch included MBNA, Nationwide, NatWest, Royal Bank of Scotland, Santander, and Ulster Banking company. Showtime Straight, HSBC, Clydesdale Bank, Yorkshire Bank, Metro Bank, The Co-operative Bank, Starling Bank, and digital banking service B added support at a afterward appointment.

Apple tree has a listing of all the UK banks that back up Apple Pay on its UK Apple tree Pay site. Most of the major banks in the country back up the payments service, including holdout Barclays, which began accepting Apple Pay in April later a long delay.

More than than 250,000 locations in support Apple Pay, ranging from fast food places like KFC and McDonald'southward to shops like Boots, Marks & Spencer, and Waitrose. A full list of retail shops and apps that accept Apple Pay can be found on Apple's website. Many UK-based apps are also accepting Apple Pay, like Zara, TopShop, Five Guys, Hotel Tonight, Miss Selfridge, and more.

British territories Guernsey, Isle of Man, and Jersey as well support Apple Pay.

Australia

Apple Pay became available in November of 2015 through a partnership with American Limited, allowing American Limited cardholders to employ Apple Pay at whatsoever retailer that accepts contactless payments, but subsequently Visa, Mastercard, and eftpos began supporting Apple Pay. In April of 2016, Apple tree Pay expanded to ANZ, the first of Australia'due south four major banks to implement Apple Pay back up.

At launch, Commonwealth of australia'south Republic Banking company (CBA), Westpac, and NAB attempted to appoint in collective bargaining with Apple in an effort to force Apple to open up up the iPhone's NFC capabilities to support other digital wallets, merely the try was blocked by the Australian government and every bit of April 2020, all of the four major banks in Australia support Apple tree Pay.

Through a partnership with Cuscal, Apple Pay is too bachelor at more than 31 small banks and credit unions, making it available to four meg Australians who are customers of those financial institutions. ING Directly and Macquarie have also implemented Apple tree Pay support, equally have HSBC and Bendigo. In April of 2018, Citibank added Apple tree Pay support in Australia.

A list of retailers that officially support Apple Pay in Australia can be found on the Australian Apple Pay website.

Canada

Apple Pay launched in Canada in November of 2015 through an American Express partnership, assuasive American Express cardholders in Canada to apply Apple Pay at any retailer that accepts contactless payments.

After debuting through the American Express partnership in 2015, Apple Pay in Canada expanded to two major Canadian banks, RBC and CIBC, on May 10, 2016. Apple Pay farther expanded to Canada Trust, Scotiabank, BMO, Tangerine, and MBNA, and with all major Canadian banks accepting Apple tree Pay, the payments service is bachelor 90 percent of Canadian cyberbanking customers.

A list of participating retailers and banks in Canada is bachelor on Apple's Canadian Apple Pay website.

China

Apple Pay launched in People's republic of china on February 18, 2016, through a partnership with Red china UnionPay, Cathay's country-run interbank network. Prc UnionPay menu holders with an eligible debit or credit card tin can use their cards at whatever location that has a UnionPay-uniform point-of-sale organisation bachelor. Apple tree has signed deals with xix of the biggest lenders in China, making 80 per centum of credit and debit cards in China eligible for use with Apple tree Pay.

Hong Kong

Apple Pay launched in Hong Kong on July 20, 2016, with support for Visa, MasterCard, and American Express debit and credit cards issued by Hang Seng Bank, Bank of Red china (Hong Kong), DBS Bank (Hong Kong), HSBC, Standard Chartered, Citibank, and directly from American Express. BEA and Tap & Go began accepting Apple Pay shortly after in August of 2016.

Apple tree Pay retailers in Hong Kong include seven-11, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald's, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and everywhere else contactless payments are accepted.

Macau

Apple Pay launched in Macau, a Special Administrative Region of Cathay, in August 2019. Apple Pay in Macau works with Banco Nacional Ultramarino (BNU) and UnionPay International Hong Kong Co-operative (UPI).

Singapore

Apple tree Pay launched in Singapore in April of 2016 through a partnership with American Express. Apple Pay support later expanded to encompass Visa, American Limited, and Mastercard credit and debit cards issued by POSB, DBS, OCBC, Standard Chartered, UOB, HSBC, and Citibank. Apple Pay is now available to more than than 80 percent of Visa and Mastercard cardholders in the country.

A listing of retail locations where Apple tree Pay is accepted tin can be establish on Apple'due south Singapore website.

Switzerland

Apple Pay expanded to Switzerland on July seven. Apple tree Pay is available for MasterCard and Visa credit and debit cards issued by Bonus Bill of fare, Cornèr Banking company, Swiss Bankers, and UBS.

Apple Pay is accustomed at many retailers in Switzerland, including ALDI SUISSE, Apple tree, Avec, Hublot, K Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and everywhere else contactless payments are accustomed.

France

Apple tree Pay expanded to France on July xviii, 2016. MasterCard and Visa credit and debit cards issued past Banque Populaire, Ticket Restaurant, Carrefour Banque, Caisse d'Epargne, BNP Paribas, HSBC Bank, Vivid Money, and more than are bachelor for apply with Apple Pay in the country.

As listed on the Apple Pay France website, Apple Pay is available at a wide range of retailers like Bocage, Le Bon Marché, Cojean, Dior, Louis Vuitton, Fnac, Sephora, Flunch, Parkeon, Pret, and more.

Japan

Apple tree Pay became available in Japan on Oct 24, 2016. Apple tree Pay in Nippon works with credit and debit cards issued by American Express, Visa, JCB, Mastercard, Aeon Financial, Orico, Credit Saison, SoftBank, d Bill of fare, View Card, MUFG Card, APLUS, EPOS, JACCS, Cedyna, POCKETCARD, Life, and more.

Suica and PASMO transit systems are compatible with Apple Pay and Express Transit mode in Japan, assuasive users to pay for transit fares and other transactions with the iPhone or Apple Watch. Many retail locations, shops, restaurants, and other areas in Japan too support Apple Pay, with details on Apple's Japanese Apple Pay website.

Russia

Apple pay expanded to Russia on October four, 2016, with the payment service available for use with the following financial institutions: Tinkoff Bank, Bank Petrograd, Raiffeisenbank, Yandex.Coin, Alfa-Depository financial institution, MTS Bank, VTB 24, Rocketbank, MDM Bank, and Mir, Russian federation'southward national payment system.

Participating retailers in the land include TAK, Magnit, Media Markt, Auchan, Azbuka Vkusa, bp, M.Video, TsUM and authorized Apple reseller re:Store. A full list is available on Apple tree's Russian Apple Pay website.

Belarus

Apple Pay launched in Belarus on November nineteen, available to BPS Sberbank customers who take a Visa or Mastercard. BPS Sberbank is the Belarusan branch of PJSC Sberbank, a atate-owned Russian bank.

New Zealand

Apple Pay launched in New Zealand through a partnership with ANZ on October 12, 2016. Apple tree Pay initially just worked with credit and debit cards issued by ANZ, but BNZ added support in Oct of 2017. Westpac later began supporting Apple tree Pay in 2019.

Apple Pay is available at many locations in New Zealand, including McDonald's, Domino's, Glassons, K-Mart, Hallenstein Brothers, Stevens, Noel Leeming, Storm, and more, with a total list available on the Apple tree Pay New Zealand website.

Espana

Apple Pay launched in Spain on Dec one, 2016. Apple Pay is available to American Limited, CaixaBank, ImaginBank, ING, Banco de Santander customers, and credit and debit cards issued by Carrefour and Ticket Eating house are as well accepted.

A full list of Apple Pay retail partners and uniform apps is located on Apple'southward Spanish website.

Ireland

Apple tree Pay expanded to Republic of ireland in March of 2017. Apple Pay is available for Visa and MasterCard holders that bank with KBC, Banking concern of Republic of ireland, Ulster Banking company, AIB, Permanent TSB, and more.

Participating retailers in Republic of ireland include Aldi, Amber Oil, Applegreen, Boots, Burger King, Centra, Dunnes Stores, Harvey Norman, Lidl, Marks and Spencers, PostPoint, SuperValu, and more, with a total listing of participating retailers available on the Irish gaelic Apple Pay website.

Taiwan

Apple tree Pay launched in Taiwan on March 28, 2017. Apple Pay is bachelor to Visa and MasterCard holders who are customers of China United Bank, CTBC Banking company, E. Sun Commercial Depository financial institution, Standard Chartered Depository financial institution, Taipei Fubon Commercial Bank, Taishin International Banking concern, and Marriage Bank of Taiwan.

A list of stores and websites that back up Apple Pay in the country is bachelor on Apple'southward Taiwan Apple Pay website.

Italy

Apple tree Pay launched in Italian republic in May of 2017, post-obit hints of an imminent launch for weeks. Apple tree Pay works with American Limited cards issued past American Express, and Visa and MasterCards issued past Carrefour, UniCredit, Banca Mediolanum, ING, and others.

Apple Pay works in retail stores that take contactless payments, with a list of partners available on Apple'southward Italian Apple Pay website.

Denmark

Apple tree Pay launched in Kingdom of denmark in Oct of 2017. Jyske Bank (Visa debit cards only), Arbejdernes Landsbank, Spar Nord, Nordea, and Danske Banking company support Apple tree Pay in Denmark. Apple Pay payments are accepted wherever contactless payments are bachelor, and a list of supported retailers and more information on Apple Pay can be found on Apple's Apple Pay website in Kingdom of denmark.

Republic of finland

Apple Pay launched in Finland in October of 2017.In Republic of finland, credit and debit cards from Nordea, Aktia, and ST1 work with Apple Pay. Apple Pay payments are accustomed wherever contactless payments are available, and a list of supported retailers and more data on Apple Pay tin can exist found on Apple's Republic of finland Apple tree Pay website.

Sweden

Apple Pay launched in Sweden in October of 2017. In Sweden, credit and debit cards from Nordea, Swedbank, and ST1 work with Apple Pay. Apple Pay payments are accepted wherever contactless payments are available, and a list of supported retailers and more information on Apple Pay can be establish on Apple's Apple Pay website in Sweden.

United Arab Emirates

Apple Pay launched in UAE in October of 2017. In the United Arab Emirates, several banks are supporting Apple Pay, including Emirates Islamic (Visa credit, debit, and prepaid cards), Emirates NBD, HSBC (Visa and Mastercard credit and debit cards), mashreq, RAKBANK (Mastercard credit, debit, and prepaid cards), and Standard Chartered Bank.

Apple Pay payments are accepted wherever contactless payments are available, and a list of supported retailers and more data on Apple Pay tin can exist found on Apple's UAE Apple Pay website.

Brazil

Apple Pay expanded to Brazil in April of 2018 through a partnership with Brazilian banking company Itaú Unibanco. Apple Pay can be used with credit and debit cards issued by Itaú Unibanco in retail stores where NFC payments are accepted and inside apps.

Apple Pay in Brazil is acccepted in several retail stores, including Starbucks, Taco Bell, Cobasi, Bullguer, Fast Store, and more, with a full list of locations available on Apple'due south Apple Pay website in Brazil.

Ukraine

Apple Pay became available in Ukraine on May 17, 2018. The service works with credit and debit cards issued by PrivatBank at the current fourth dimension, with Oschadbank planning to add support for Apple Pay in the future.

Poland

Apple Pay launched in Poland on June xviii, 2018, and it works with Visa and Mastercard credit and debit cards issued past the following banks: BGZ BNP Paribas, Banking company Zachodni WBK, Alior Depository financial institution, Raiffeisen Polbank, Nest Bank, mBank, Bank Pekao, Bank Millennium, and Getin Depository financial institution.

Norway

Apple Pay launched in Norway on June 19, 2018, and it works with Visa and Mastercard credit and debit cards from Nordea and Santander Consumer Finance.

Belgium

Apple Pay launched in Kingdom of belgium in November 2018 through an exclusive partnership with BNP Paribas Fortis and its subsidiary brands Fintro and Hello Banking company. Customers of these banks are able to use Apple tree Pay to make payments for purchases online, in apps, and in retail locations that support contactless payments. Apple Pay availability after expanded to KBC in 2020, and ING Kingdom of belgium in 2021.

Kazakhstan

Apple Pay launched in Kazakhstan in November 2018. Apple Pay is available to Visa and Mastercard credit and debit card holders in Kazakhstan who bank with Eurasian Bank, Halyk Bank, ForteBank, Sberbank, Bank CenterCredit, and ATFBank.

Germany

Apple Pay launched in Germany on December 10, 2018, with the service bachelor through American Express, Deutsche Bank, Viabuy, Consorsbank, Hanseatic Bank, HypoVereinsbank, Edenred, Comdirect, Fidor Bank, Sparkasse, Sparkassen-Carte, Commerzbank, and mobile banks and payment services o2, N26, bunq, and VIMpay.

Apple tree Pay in Germany tin be used at retailers that include Aldi, Burger Rex, Lidl, McDonalds, MediaMarkt, Pull&Bear, Shell, Starbucks, Vapiano, and many more locations, as listed on Apple'southward Apple Pay site for Germany.

Kingdom of saudi arabia

Apple Pay launched in Saudi Arabia on February 19, 2019. It is available for Visa and Mastercard holders that bank with Al Rajhi Bank, NCB, MADA, Riyad Depository financial institution, Alinma Bank, and Bank Aljazira.

A list of locations where Apple Pay tin be used in Kingdom of saudi arabia is available on the Apple Pay website for Kingdom of saudi arabia.

Czech Commonwealth

Apple Pay launched in the Czech republic on February 19, 2019. Apple Pay in the land works with Air Bank, Česká spořitelna, J&T Banka, Komerční banka, MONETA Money Bank, mBank, and payments service Twisto.

A listing of locations where Apple tree Pay is accepted in the Czechia can be found on Apple tree's Apple Pay website for the state.

Austria

Apple tree Pay became available in Austria in April 2019. Erste Bank, Sparkasse, N26, Banking concern Austria, and Raiffeisen Depository financial institution back up Apple Pay in Austria, so customers from these banks tin can add their credit and debit cards to the Wallet app for use with Apple Pay.

A list of locations where Apple tree Pay is accepted in Austria tin can be found on the Austrian Apple tree Pay website.

Iceland

Apple Pay launched in Iceland in May 2019, allowing customers who bank with Landsbankinn and Arion banki to apply their credit and debit cards with the Apple Pay service to make contactless payments.

Republic of hungary

Apple Pay launched in Hungary in May 2019, assuasive OTP Depository financial institution customers use Apple Pay with their credit and debit cards. A list of locations where Apple Pay can be used in Hungary is available via Apple's Apple Pay website in the state.

Grand duchy of luxembourg

Apple Pay launched in Luxembourg in May 2019, allowing BGL BNP Paribas customers use Apple Pay with their credit and debit cards. At this time, BGL BNP Paribas is the sole banking concern supporting Apple Pay. A list of locations where Apple tree Pay can be used in Grand duchy of luxembourg is bachelor via Apple'due south Apple tree Pay website in the state.

The Netherlands

Apple Pay launched in The netherlands in June 2019, assuasive customers of ING, Bunq, Monese, N26, Revolut, ABN AMRO, Rabobank, and De Volksbank (parent company of SNS, ASN Bank, and RegioBank), to make Apple Pay purchases with debit and credit cards.

Apple Pay tin can be used in Kingdom of the netherlands with several online and loftier street retailers including Adidas, ALDI, Amac, ARKET, BCC, Burger King, Capi, absurd blue, COS, Decathlon, Douglas, H&M, Jumbo, Lidl, McDonalds, Starbucks, and others, with a full list bachelor on Apple'southward Apple tree Pay website for The Netherlands.

Georgia

Apple Pay expanded to the land of Georgia in September 2019. It is available to Banking concern of Georgia credit carte du jour holders.

Major European Expansion

In June of 2019, Apple tree Pay expanded to multiple European countries including Bulgaria, Croatia, Cyprus, Estonia, Greece, Latvia, Liechtenstein, Republic of lithuania, Malta, Portugal, Romania, Slovakia, and Slovenia.

Apple Pay works with a number of popular banks in these countries, with details bachelor for each country on Apple's website.

Serbia

Apple Pay launched in Serbia in June 2020, allowing Mastercard users who bank with ProCredit to add their cards to the Wallet app for contactless Apple Pay payments.

South korea

Apple is in the early stages of discussions to bring Apple Pay to South Korea, only information technology may still be some time before the service launches in the state. Considering NFC terminals are not mutual in South Korea, Apple tree needs to encourage more than retailers to implement NFC support.

State of israel

Apple tree Pay launched in State of israel in May 2021, and all depository financial institution and credit bill of fare companies in the country support Apple Pay. Not all credit cards are supported, however.

Bank Hapoalim, Depository financial institution Leumi, Depository financial institution Massad, Discount Bank, The Commencement International Bank Group, ICC-CAL, Isracard, Pepper Depository financial institution, MAX, Mercantile Banking concern, and Mizrahi-Refahot back up Apple Pay.

United mexican states

Apple Pay launched in Mexico on February 23, allowing Citibanamex, Banorte, HSBC, and Inbursa customers with American Limited and MasterCard debit and credit cards to employ Apple Pay in the country when making contactless payments.

Many stores in Mexico support Apple tree Pay, including 7-Eleven, Petco, PF Changs, Xcaret, and more than, with a full list available on the Apple Pay Mexico website.

Southward Africa

Apple Pay launched in Southward Africa in March 2021. Apple Pay is available for Discovery, Nedbank, Absa, and FNB customers in the country.

Qatar

Apple Pay launched in Qatar in August 2021, and it is available with the QNB Group, the largest financial institution in the Centre East and Africa. QNB Banking company users in the country can use Apple Pay in Qatar, and Apple Pay is also available for Dukhan bank users.

Chile

Apple Pay expanded to Chile in September 2021, and it is bachelor to Banco de Chile and Banco Edwards customers who take Visa cards.

Bahrain

Apple Pay expanded to Bahrain in October 2021, and it is bachelor customers with an eligible credit or debit card.

Palestine

Apple tree Pay expanded to Palestine in October 2021, and it is available customers with an eligible credit or debit card.

Colombia

Apple Pay launched in Republic of colombia in November 2021. Bancolombia customers can add together their Visa and Mastercard credit and debit cards to the Wallet app to make Apple tree Pay purchases.

Azerbaijan

Apple tree Pay launched in Azerbaijan in November 2021 for those who bank with Bank Respublika, Unibank Sanin, ABB, and Kapital Banking concern, allowing card holders to brand purchases through Apple Pay.

Republic of costa rica

Apple Pay came to Costa Rica in November 2021, with major banks that include BAC, BCR, Scotiabank, and Promerica offering back up.

Peru and Argentina

Apple Pay launched in Peru and Argentina in March 2022. Banks that support the feature in Republic of peru include Rappi Banking concern, International Bank of Peru, Banco de Credito del Peru, and BBVA. Banks that support Apple tree Pay in Argentine republic include Brubank, Banco de Galicia S.A., Banco Macro S.A., Banco Patagona South.A., and BBVA.

Moldova

Apple Pay became available for Apple users in Moldova in Apr 2022. Customers of Moldinconbank, Maib, and Victoriabank are able to employ Apple Pay.

India

Apple tree was working on expanding Apple tree Pay to Republic of india, just plans for the payments service in the country take been shelved for the time being due to regulatory problems and technical bug. The Reserve Bank of India requires companies to store payments data for local users in India, which has led to uncertainties about Apple Pay's rollout in the country. There is no give-and-take on when Apple tree Pay will come up to India.

Contest

Walmart, the biggest retailer in the Usa has refused to implement Apple Pay and has instead rolled out its own proprietary payment organization, Walmart Pay. With Walmart Pay, customers tin can make purchases and payments in Walmart retail locations using a QR code in the Walmart app. Walmart Pay is available nationwide at all Walmart locations.

Other Apple Pay competitors include Samsung Pay and Google Pay (formerly known every bit Android Pay), two mobile payment solutions created by Samsung and Google, respectively. These payment solutions are largely designed for Android devices, but fifty-fifty iPhone users can use Google Pay Send for sending coin to friends.

How To Use Apple Pay At Store,

Source: https://www.macrumors.com/roundup/apple-pay/

Posted by: robertscoge1939.blogspot.com

Share this post