Introducing Apple Pay

The next stage in payment technology is here…

As one of the leading and most popular brands on the planet, Apple are notorious for their innovation and originality. The company has been unrelenting in striving to push the boundaries in developing contemporary technology with the aim of improving and modernising the most conventional of daily tasks.

The next page in Apple’s impressive portfolio is Apple Pay.


Apple Pay
 

This revolutionary tool has finally been released within the UK and is certain to forever change the way in which we complete purchases at the checkout.Apple Pay is a fast and secure electronic payment method that uses your NFC (Near Field Communication) enabled mobile device to complete a purchase via contactless technology.

Near Field Communication technology is a valuable way in which you can exchange and transfer data wirelessly from one NFC enabled device to another (within a 10 cm range). From Oyster Cards at the train station to barcode scanners and contactless debit and credit cards, this practical data transfer method is all around us on a daily basis.

Sound too technical? No need to worry, it’s not.

Apple devices have always been designed with the consumer in mind. From their superb customer service to their clean and fool proof operating systems, it’s clear to see that user experience is paramount to this trailblazing corporation.

Apple Pay is the next generation in card payment technology designed to improve the way in which we complete purchases at the point of sale.

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There are some requirements in order to use Apple Pay at the checkout within stores:

  • iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3 or Apple Watch
  • iOS 8.1 or later
  • Touch ID (finger print recognition) password setup on your device
  • iCloud account

Once you are able to tick off all of the criteria shown above, you’re ready to begin.

Firstly you will need to add/select a credit or debit card for Apple Pay to use on your mobile device via the Settings app, then within the Passbook and Apple Pay section. Here you will have the option to add a new credit or debit card or you can use the card details that you currently have stored within your iTunes account. Should you wish to add a new card then simply manually tap the card information into the Passbook and Apple Pay section, alternatively you can use the iPhone camera to capture the card information. Just another handy Apple feature which enriches the user experience.

Please note that you will only need to perform this operation once. The process will not need to be repeated each time you wish to make a payment via Apple Pay.

Should you need to add/remove or amend card information in conjunction with your Apple Pay payment method, then the data can be managed within the Passbook and Apple Pay section of the Settings app on your compatible Apple device.

Once a valid credit or debit card has been registered onto the device it will appear within the Passbook app and you will be ready to use Apple Pay at checkouts with card terminals which accept contactless transactions.

A maximum transaction limit of £20 has been established when making payments via Apple Pay – however reports suggest that this may increase to £30 in September 2015. A maximum of five Apple Pay transactions can be completed per day, this is equal to the current limit for any regular contactless card payment method.

At the point of purchase you will need to simply place your compatible iPhone, iPad or Apple Watch over the contactless card terminal whilst simultaneously touching the finger print recognition portion of the device to complete the transaction. It’s that easy.

 

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John Wiggins