Apple Pay – Features, Setting and Use

Gone are the days when cash was the striving element of our economy and everything (major) happened with the help of cash exchange. Nowadays, it is all digital and a single touch of your smartphone can help you receive or send money across states, international boundaries, and across different bank servers. Easy right? Today in this blog, we discuss.

What is Apple Pay?

Apple Pay – a mobile payment service started by Apple Inc. that allows users to make payments in person, via their mobile app, or on different sale and purchase websites across the internet.

These days, India has seen the growth of online payment apps like UPI, Google Pay, and PayTM so we will also see how feasible it is to use Apple Pay when these competitors are already making our lives easier since quite a few years now.

But before we do, let us first understand how to set up Apple Pay on your iPhone or other Apple device. Let’s get going.

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How to Set Up Apple Pay in Your iPhone?

First and foremost, we must learn about the steps for setting up Apple Pay on your device. Make sure you follow these to start without any error or confusion.

1. First make sure you have the latest (or a compatible) version of iOS, iPadOS, watchOS, or macOS.
2. You will also need a supported card from a participating card issuer, meaning you will need a credit or debit card that is Supported by Apple Pay and is one of their transaction partners.
3. Next, make sure you have a valid Apple ID signed in with all the credentials, address proof, and a payment gateway activated.
4. To add your debit/credit card onto the app – tap on the Debit Card or Credit Card option and click on ‘add a new card’.
5. You can tap previous cards to make use of any other card that you may have linked previously.
6. Tap Continue
7. Follow the steps to continue using your new card.
8. Verify your information with your bank card or the company that issued you the card in the first place. You might have to login on the Apple Pay app to make sure your credentials are verified from your card issuer.

How To Use Apple Pay – Different Uses Same App

Now that you know how to download the Apple Pay app from the App Store and you’re logged in successfully, let us give you the important uses of Apple Pay and how you can make use of it in different situations.

1. Any contactless payment to a friend, relative, or any business or merchant account.
2. Supported by all stores and restaurants in the major cities of the country.
3. International payments made easy with the Apple Pay app – you can use it anytime and without fearing getting any extra charge.
4. Enables users to make safe, reliable, and private purchases in stores, applications, and on online portals.
5. As a prepaid card it is much easier and safer – all transactions are pre-approved and are done keeping in mind the user’s security and privacy.
6. Adding only a certain amount on your Apple Pay account can always keep your savings protected from frauds and online scams.

Is There An Apple Pay Subscription Fee?

No, contrary to belief there is no subscription fee to use Apple Pay on your smartphone or any other Apple device. The only Apple Pay subscription involves downloading the application from the App Store and then forwarding your card details to set up a legit payment source to top up your Apple Pay account.

Rest, there is no other requirement to use the Apple Pay app.

Read – Apple iPhones & 5G Compatibility in India

Which Banks Allow/Support Apple Pay Payments?

The Apple Pay app supports all VISA, MasterCard, and American Express credit and debit cards so you can be assured of having a smooth and safe ride when you’re starting to make Apple Pay your primary way of making online payments. Do not worry when you get Apple’s privacy and security backing all your payments.

Apple Pay Features

Last but not the least, let us talk about some lesser known facts about Apple Pay and how  you can make use of it through different ways. Let us find out how it pans out in India after making its debut, globally, in 2014.

1. Enabled by NFC
2. Reliable and can be authenticated with Touch ID and Face ID
3. Works for payments across 60 countries
4. Doesn’t record transaction details and credit card data on the servers

   Read – Apple Smart Homes – How To Connect, Use & Set Up

What If I Lose My Device With Apple Pay Signed In?

Yes, that is something people often ask on online forums. What if they lose their device – their iPhone or Apple Watch – with Apple Pay signed in? How to make sure your money and card details are safe?

You can do the following in this scenario:

1. If you don’t have a second device: you can log on to icloud.com and check the FMIP (find my iPhone) feature.
2. Place your stolen/lost device on ‘Lost Mode’ using the Find my iPhone App on any other device you may have.
3. The enabling of ‘Lost Mode’ keeps your card details, transaction details, and other data secure and away from anyone’s reach.
4. Without having your passcode, the Apple Pay app will not give away the power to make transactions, purchases, or payments of any order to anyone who has your phone.
5. You can also block the Apple Pay app to ensure nobody’s taking advantage of the balance in your Apple Pay account.
6. The best is to set up a two-factor authentication, which unlocks the Apple Pay app using your Touch ID or Face ID.

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