If there’s a way to easily and securely pay both in stores and on the web, it’s called Apple Pay. Apple’s payment system allows us to go through the box just by bringing our Apple Watch or iPhone closer to the dataphone and also make web purchases at the touch of a button.
A system that is simple, practical, secure and above all very respectful of our privacy, since Apple can’t even know what we buy and where we do it. In fact, it doesn’t even store our card data outside of our devices’ secure enclave. But, without anticipating events, let’s start at the beginning.
What is Apple Pay for?
Apple Pay is a way to pay in physical stores without needing to use cash or physical credit/debit cards. It is a more comfortable and secure way to shop, since we can pay directly from our Apple device, such as an iPhone or an Apple Watch. Additionally, when using Apple Pay, we do not share our credit card details with sellerswhich increases the security of our transactions.
Apple Pay also enables payments on the web. It is available in a wide variety of apps and websites and we can use it to purchase products and services quickly and securely. When using Apple Pay on the web, we do not have to manually enter credit card data, delivery address, e-mail
How Apple Pay works in USA
The first thing we have to do to start using Apple Pay is to add our credit or debit card to the service. For this we must verify that our bank works with Apple Pay. In USA, all the big banks do it. In fact, the full list includes over 90 entities.
After this verification, it suffices We go to the Wallet application on our iPhone, touch the “+” at the top and follow the steps to add our map. Once the card data has been scanned and the terms and conditions have been accepted, we will see the card on our iPhone. To add it to the Apple Watch we must access the application Watch of our iPhone, which will automatically offer us to add the cards that we already have on the iPhone to our watch. Finally, to add our cards to Apple Pay on an iPad or Mac, we must do it from the application Settings come in Wallet and Apple Pay.
How to change the default card in Apple Pay
Once we added more than one card to Apple Pay It is important that we choose the default. With this we will avoid having to choose the one we prefer after having invoked Apple Pay by double-clicking the side button.
Changing the default Apple Pay card is really easy. All we have to do is go to the app Settings, go in Wallet and Apple Pay and choose the one that interests us.
Where Apple Pay is available
Apple Pay is another safe and convenient way to pay with our cards. The technology on which Apple Pay relies to transmit payment data from our iPhone or Apple Watch to the dataphone is contactless. A) Yes, any site where the payment terminal supports contactless —in USA, most of them—will accept Apple Pay.
If you do not accept it, in fact, a resource that can be useful in certain situations is to withdraw money from an ATM using Apple Pay so that you can pay in cash. A resource that it would get us out of other trouble
How to pay with Apple Pay in store
Paying with Apple Pay in stores is really easy. Once they offer us the dataphone ready to receive payment, we perform a press the side button of our iPhone twice, we identify ourselves with Face ID and bring the phone closer to the receiver. We will hear a confirmation sound.
On the Apple Watch, payment is even easier. Since the Apple Watch is locked when removed from the wrist, we didn’t need to identify ourselves for payment – we already did when we put it on. just like that press the side button twice and approach the dataphoneas simple as that.
How to pay with Apple Pay on Android
A frequently asked question. Can I use Apple Pay on Android? The answer is no. Apple Pay is an Apple service and as such is only available on corporate devices.
There are alternatives, since in Android we can consider using Google Pay or Samsung Pay, among others. This, yes, the confidentiality of these services is far from that of Apple, since most of them store our card and purchase data in the cloud. It is our responsibility to check whether the information is also used to serve advertising and similar practices.
How to defer a payment from Apple Pay
Apple is preparing the possibility of dividing a payment made with Apple Pay Later into four instances. Right now, but the service hasn’t even reached the United States yet. So for now we just have to wait for the service to arrive and expand internationally.
Having said that, yes we can defer or split a payment with Apple Pay. I eat? Through our bank. The vast majority of them offer services of this type, it is enough to enter the application of the bank that we use, normally enter the management of the cards and request that a specific charge be split. Here, the options are already subject to the operation of each entity and its conditions.
Apple Pay BBVA, that’s how it works
Before we finish, let’s take a moment on Apple Pay with BBVA. The Spanish entity stands out for pushing its operations a little further than its competitors and facilitating many processes. In the case of Apple Pay, however, use of the service is independent of the entity we choose.
Apple Pay is, so to speak, another way to “swipe” the card in the dataphone. A more comfortable and safer way, no doubt, but with the same results as if we bring the physical card closer to contactless or insert it to approve the purchase with the chip and our PIN code.
As we started by saying, if there’s a way to pay easily and securely both in-store and on the web, it’s called Apple Pay. A service that allows us to greatly simplify transactions to bring them to the simplicity of pressing the side button twice on our device. As simple as that.
In Applesphere | Pay with Apple Pay? Of course, we only have to go to an ATM
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