Apple Pay: How to configure and use an iPhone payment system
Apple Pay is a payment system from one of the most famous world brands. With its help, you can make payments contactlessly. The main thing is to have an iPhone with an installed application and binding to it with your plastic card. When using such a payment system, payment occurs using Near Field Communication (NFC) technology.
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Apple Pay: Settings and use
In order to have the opportunity to pay for purchases using the payment system from Apple, you must install the application Passbook. It can be downloaded in the official application catalog App Story. Then you need to tie your plastic card to this application. To do it is very simple. It is enough to scan it using the iPhone or iPad camera.
Important: in the PassBook application, you can simultaneously tie up to 8 plastic cards.
Then you can make payment using your smartphone. For this, in stores that provide the ability to use Apple Pay, you need to bring the iPhone to a special device and lean your finger to the button Home. After Touch ID Recognizes the printout will be written off from one of the attached cards.
You can use this payment system during purchases on the Internet. For example, with its help you can pay for applications in the official App Store catalog.
Important: this payment system from the company from Cupertino can only work on the latest models of smartphones and tablets from Apple. Also for these purposes you can use the "smart" clock of Apple Watch.
Connection: detailed instruction
- We set up the password when the Touch ID output.
- We register an account in iCloud.
- We check the possibility of using your bank card in Apple Pay.
- Add the card to Passbook
Where to use Apple Pay?
This payment system is just beginning to develop. In the USA, at the moment, with its help, you can pay only 200,000 outlets. Among them are popular snack networks McDonald’s, pharmacies Walgreen and supermarkets Target And Macy’s.
For residents of our country, Apple Pay is not yet available. And the point here is not that our outlets have not yet concluded an agreement with the owner of the payment system. Apple itself has yet concluded an agreement with banks that have the jurisdiction of the United States. But, in this payment system it has already announced its exit in Russia at the end of 2016.
How to use Apple Pay outside the United States?
Apple is very popular in the world and owners of “apple” gadgets from the first day of the appearance of the payment system from their idols began to look for ways to use Apple Pay outside the United States. And this method was found. True, for its implementation, it is necessary to have a plastic card of an American bank.
If you have a card of one of these banks, you can go to "Settings" > "Basic" > "Language" > "Region". And choose "USA". Run the application Passbook And we finish the Apple Pay installation.
Now you can look for stores with POS-terminals and pay for your purchases. But, it is important to understand that when paying with a currency different from US dollars during conversion, you will have to overpay for this extra money.
Apple Pay in Russia
There are prospects for the development of Apple Pay in Russia. In our country, the products of the "apple" brand are very popular. But, if users easily install Passbook on the iPhone, it is important that the stores are interested in this payment system. And this is not so.
Moreover, in our country NFC technology is not developed. Of the popular banks, it supports it only Bank Tinkoff. Therefore, it is not worth waiting for Apple Pay overnight. Moreover, the Central Bank is more and more “twisting the nuts”. Take at least the story with Webmoney.
The only way out for Apple Pay in Russia will be cooperation with Sberbank. Some rumors about such a partnership stubbornly went a few months ago. But, so far no specifics have been published. Yes, and the tension between Russia and the United States is once again poured in the “inventing” of the bicycle (its own payment system, etc.) and does not play on Apple Pay.
Safety Apple Pay
If, nevertheless, the Apple payment system is launched in Russia, then the problem with security is also necessary. In our country, where you can still see queues to ATMs after issuing a salary, people are afraid to leave money on already familiar plastic cards. What can we say about some kind of application on a smartphone. But, according to experts of this industry, it is safer to use Apple Pay than to use the same plastic cards.
This payment system uses a technology for scanning a fingerprint print Touch ID. Which excludes the use of Apple Pay funds by third parties. But, this is not all that the future users of Apple Pay about safety users need to know. After payment, the NFC module, which transfers funds, does this in the form of tokens with which the card number is replaced. Such a token itself is generated after each purchase.
In general, you can not worry about Apple Pay safety.
Instead of conclusion
In 2016, along with Apple Pay, another payment system from the main competitors of Apple, Samsung, will come to our country. Both systems have advantages over cash. But, you need to be on the check. If we leave the house with cash, we cannot spend more than the amount that we have in our hands. But, if a special application is installed on our smartphone to pay for purchases, then as practice shows, we become wasteful.
Therefore, when using Apple Pay and other payment funds, be vigilant. “Virtual” money is also difficult to earn, like real ones.
Video. Apple Pay test via NFC in the store