What Is Apple Pay?

The March Apple conference paved the way for a plethora of new announcements from Apple, such as the new slim line Macbook and the game-changing Apple Watch.

The technology giants have also introduced Apple Pay, their new paying system that makes shopping a much easier, quicker experience.  Apple Pay renders your credit card holders and wallets redundant, allowing you to easily make payments with a single touch.

How It Works

Apple Pay allows the user to make purchases with contactless payment technology, whilst maintaining high security features build right into your device so you can pay with confidence. Simple, secure and private, it’s an excellent alternative to fishing out your wallet and the card you desire to use each time you need to make a payment.

Compatible with the iPhone 6, 6 Plus and Apple Watch, Apple Pay works by holding your iPhone near the contactless reader with your finger on Touch ID. You don’t need to look at the screen to know your payment information was successfully sent, as a subtle vibration and beep will let you know. The great thing about this is that you do not need to open an app or even wake your display, as the Near Field Communication antenna in the iPhone 6 will be able to handle this for you easily.

Apple Pay works in the App store too. Checking out on an App can be done in the same way as the contactless option-you simply need to place your finger on Touch ID and the rest is taken care of for you. Simple!

How Do You Set It Up?

Setting up is simple. Passbook, the app that stores your boarding passes, tickets, coupons and more, will now store your credit and debit cards too. To get this started, you can add the credit or debit cards from your iTunes account to Passbook by entering the card security code.

You can also use your iSight camera to enter your card information on the iPhone, or you can type in the details manually. The first card you add automatically becomes your default payment card, but you can go into Passbook and select a different card to pay with.

How Secure Is Apple Pay?

Very. Your credit and debit card numbers are not displayed when added in Passbook. Instead, a Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in the iPhone. These numbers are also never stored on Apple servers, and the security code and Device Account Number will be used to process payments. Therefore, nobody will ever see your credit and debit card numbers.

If you are ever unfortunate enough to lose your phone, you can use Find My iPhone to immediately put the device into Lost Mode to suspend Apple Pay, or wipe your iPhone clean completely, to remove any traces of your identity.

Accepted in more and more stores every day, Apple Pay truly is a safe, quick and convenient new way to pay. Will you be trying it?