As with anything new, people were wary of Apple Pay when it first arrived. But today, it has become one of the best aspects of owning an Apple device. Apple’s NFC technology allows users to make contactless payments via their devices. Also, it has become a core aspect of Apple’s operating system and is built into iOS, watchOS, and iPadOS via the Wallet application and macOS through the system settings. It is user-friendly, secure, and is the best option for buying goods and services online.
It takes less than a minute to set up Apple Pay on your Apple devices. Here’s how to use Apple Pay:
Go to the Wallet application > select the plus icon and choose Credit or Debit Card > tap Continue > scan the card using your iPhone’s camera or manually enter the card details > verify the information > authorize the card via your bank.
Navigate to the Settings app > choose Wallet and Apple Pay > tap Add Card > wait for your bank to authorize your card.
Click the Apple logo > choose System Preferences > Wallet and Apple Pay > click Continue > enter the card details and choose Next > let your bank authorize your card.
- Apple Watch
Open the Watch application on your iPhone and choose Wallet and Apple Pay. Tap Add next to the list of available cards and then follow the instructions to authorize the card for use on the Apple Watch.
Now that you know how to set up and use Apple Pay, let’s see why you must start using this digital payment service immediately.
- Security of personal data
Apple Pay is as safe as digital payment services can be. Every transaction made using Apple Pay is authenticated using Touch or Face ID, ensuring that it is you making the payment. Hence, you need not worry about someone else using your device and making payments on your behalf.
Also, Apple Pay does not need a credit card to be present, which means you are not at risk of unknowingly giving away your credit card number. What’s more, it does not use a card number to make a purchase but a token called the Device Account Number. This reduces the chances of stolen credit card information, and you can have complete peace of mind.
In the event your device is stolen or lost, you can disable Apple Pay remotely from the Find My website in any browser.
- No need to carry your cards
Apple Pay’s exponential success is due to the fact it stores credit and debit card information for purchases. Hence, the physical cards don’t have to be carried wherever you go. You can directly make payments via your Apple device.
If you like to keep your pockets empty, using Apple Pay is a good option.
- No transactional limit
Apple’s digital payment service does not limit payments. Hence, it is better than conventional contactless payment using a debit or credit card with a transactional limit (for instance, $200 in the US).
However, retailers may have their own limits. You need to check with them before making a purchase.
- Forgetting the pin is not an issue
The risk of forgetting or confusing card pins is one of the biggest drawbacks of using multiple cards. This may lead to you being blocked by the bank if you enter the wrong PIN multiple times.
Apple Pay, on the other hand, doesn’t rely on a pin. It uses a device account number and Touch or Face ID to make transactions. Regardless of how big the payment is, you don’t have to worry about entering the correct pin.
- Payment tracking is possible
Making payments with Apple Pay means easily tracking all the payments in the Wallet application. This is useful in calculating your spending at the end of the month. Moreover, you can track your payments made using different cards from a single application. This is helpful in monitoring your finances and knowing where to budget yourself.
- Save time during checkout
The digital payment service uses NFC tech that makes paying faster than swiping a card. All you need to do is establish a connection and then wave your device over the terminal. The payment will be complete.
Apple Pay is super speedy and the perfect option when running out of time.
- Sending money to loved ones is easier
Apple Pay facilitates payments between friends and family, which means you can send money via a simple text. With Apple Pay Cash, you can quickly send money to your loved ones without much hassle. Also, if you pay using your debit card, there is no charge to make the transaction.
Contactless payments have become the need of the hour instead of an added bonus. Apple Pay has made it convenient for Apple device users to make purchases online, send money to friends and family, and roam around with an empty pocket.