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Whether I’m buying everyday household items, groceries, snacks for a road trip or grabbing a quick meal, Apple Pay is the easiest way to pay for me, while also being secure and faster than using a card at check-out. And I don’t need to dig through my wallet to find the card anymore.

What Is Apple Pay

Apple Pay is a mobile payment service from Apple designed to allow people to make payments for goods and services with their iPhone 6 or later and Apple Watch in retail stores, online and person-to-person. It lives in the Wallet app, a mobile wallet that manages digital content such as coupons, tickets, passes, and vouchers or cards from multiple brands and that enables transactions. Apple Pay has kicked off a new era of payments that are incredibly easy, secure and private. Contactless payments are not limited to cards anymore.

Apple Pay

Contactless And Effortless

Accepted by millions of retailers in various countries, Apple Pay lets me make speedy and safe payments with a swipe of my iPhone over a contactless card terminal. I don’t need to open an app to initiate an Apple Pay payment at stores. I’m just holding my iPhone up to the terminal with my finger on the Touch ID button so it can scan my print. Transactions are completed within a few seconds.

Speedy and safe payments with a swipe of iPhone

Apple Pay is also an easier, faster way to pay within apps and on websites in Safari for me because I no longer have to create an account or fill out forms by card numbers, expiry dates, and security codes. At checkout, I can complete my payment by just a tap on my iPhone. A full list of supported countries can be found on the Apple website.

More Secure And More Private

Apple is not in the business of collecting my data and they don’t know what and where I’m buying, or how much I paid.

The way Apple Pay has been designed to work makes it the most secure payment scheme on the planet. To keep transactions secure, Apple Pay uses a method known as tokenization preventing actual credit card numbers from being sent over the air. When my credit or debit card is added into Wallet for use with Apple Pay, it is assigned a unique Device Account Number (or token). The iPhone itself has a special, dedicated chip called a Secure Element that contains all of my payment information, and card numbers and data are never uploaded to iCloud or Apple’s servers.

I could even switch to an airplane mode and still make a purchase in-store

Each time I’ve initiated a transaction, the token is sent via NFC (near field communication), along with a unique dynamic security code, both of which are used to verify my payment. This dynamic security code (a one-time cryptogram) replaces the card’s CCV and is used to ensure that a transaction is being conducted from the device containing the Device Account Number. I could even switch to an airplane mode and still make a purchase in-store as my iPhone doesn’t need to contact anyone.

Along with those tokens and cryptograms, Apple also authenticates my transactions through Touch ID (or Face ID on the most recent iPhones, and skin contact with the Apple Watch) to prevent someone who has stolen my iPhone from making an unauthorized payment. Yes, this biometric identification is the only way to access my token.

So my card number is never shared with merchants or transmitted with payments. Store clerks and employees do not see my card at any point, and they also don’t have access to my personal information because an ID is not required for verification purposes.


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