Apple Pay is the new mobile payment service offered by Apple; the service lets iPhone 6, 6 plus and also Apple Watch users make payments with their devices using NFC technology. Apple Pay was launched when Apple released iOS 8.1(OS update). The retail partners and several app partners of Apple were ready to go with Apple Pay support, allowing customers to try out the new service. Apple Pay is designed to allow the users of iPhone 6, 6 Plus and upcoming Apple Watch to make payments for goods and services with their devices (both in stores or using apps) using NFC chip built into their devices.
Apple Pay allows users to make one tap purchases using the applications that have adopted Apple Pay API. IPhone 6, 6 Plus, iPad air 2 and iPad mini 3 are the devices which are capable of using this service; all these devices will be having a NFC controller where the “Secure Element” of Apple Pay is situated. This secure element assures users with a safe transaction while keeping their information secure.
Tokenization is a method used by Apple to prevent the actual credit card numbers from being sent over the air, to keep the transactions secure. Apple devices secure your payments and transactions with their Touch ID. Also, the upcoming Apple Watch is supposed to use continual skin contact in order to ensure that the payments are secure.
It seems like Apple is aiming to replace wallets with Apple Pay; the simple one step process eliminates the need to dig through your wallets to find credit cards. The service is built on NFC technology and hence it can be used in any place where the NFC based contactless payments are accepted.
How Apple Pay Works?
Apple Pay asks for a debit or credit card to be added into the passbook, and once it is done, Apple Pay is ready to be used in any stores or applications. For instance, consider a retail store where you approach to a point-of-sale system compatible with Apple Pay. Your device’s screen lights up and opens a passbook automatically. Here the user can tap on the credit card to be used. He can also make payment with the default card.
In order to make the payment, you just have to hold your Apple device near a checkout system which includes NFC. It usually looks like some standard card checkout terminals within the stores. The finger which you have registered with the Touch ID must be placed on home button for some time. Then, the payment will be authenticated and the transaction will be completed. You will be notified with a slight vibration, a check mark on the screen and a beep sound denoting the completion of payment.
In some stores, users will be asked to enter their PIN code or they might also be asked to sign for making the purchase. But in most of the retail locations, checking out with Apple Pay seems to be a simple one step process. Sometimes, Apple Pay might not be much convenient than swiping a card; but we need to understand that Apple Pay is very much secured than the traditional card based transactions.
While using Apple Pay, a cashier will not be able to see your credit card details. Apple Pay has already been in the mouth of people since a few months now, so the days are not far that the wallets to be replaced by this efficient and one-step solution.
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