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What is Apple Pay and how does it Work?

– What is Apple Pay and how does it Work –

Since 2014, there has been a mobile payment alternative called Apple Pay. And throughout the years, it has progressively grown in popularity. However, in this article, you will get to know what Apple Pay is and how it does it work. 

What is Apple Pay and how does it Work

What is Apple Pay?

This is a mobile payment and digital wallet service that enables users to make payments in-person, within iOS apps, and via the web using Safari.

Also, it works with the iPhone, Apple Watch, iPad, and Mac among other Apple products. At a point-of-sale terminal with contactless capability, it digitizes and can take the place of a chip and PIN credit or debit card transaction.

It can be used with any business that accepts contactless payments. it is not limited to those with Apple Pay-specific contactless payment terminals.

It adds two-factor authentication using a passcode, PIN, or Touch ID.

How does Apple Pay Work?

What is Apple Pay and how does it Work

At American merchants that have the Apple Pay or contactless payment icons displayed, you can use this app to make purchases.

More so, you may send money through the Messages app on an Apple device using this app. The default payment card is your Apple Cash card, but you can change it.

Using it can generate a transaction code and device-specific number when you make a purchase at a store.

Your credit card number is not kept on your computer or on the servers.  Additionally, businesses do not receive card numbers.

Other Things to Know

You must be a resident of the United States and at least 18 years old in order to send and receive money using the paid app.

However, your family can set up Apple Cash for you as a member of the Apple Cash Family if you’re a minor in the United States.

Up to $2,000 can be sent or received using an Apple Cash Family account in a single transaction or over the course of seven days.

How to Set up Apple Pay

Set up

Apple Watch, Mac, iPad, and iPhone all come with Apple Pay pre-installed. There is no requirement for you to download an additional app or complete a sign-up process.

You must connect your debit, credit, and prepaid cards to the Wallet app in order to set up Apple Pay. Your default payment card is the first one you add to Wallet.

How Safe are Apply Pay and Apple Cash?


Apple claims that its devices have security safeguards integrated into the hardware and software to assist protect transactions.

You can use Face ID or Touch ID, or you must set a passcode on your iPhone for additional security, to utilize the app.

The original credit, debit, or prepaid card numbers you use with the app are not stored by Apple, nor can it access them, the company claims.

However, when you use a credit, debit, or prepaid card with this app, Apple does not save transaction data that can be used to identify you.

More Things to Know

Apple Cash adds a layer of protection by using Face ID or Touch ID to verify transactions. Not only that, but your account number is never made public and there is no actual card.

Moreover, despite security measures, there is always some risk associated with using any payment method. Criminals use a variety of bank frauds to get financial information.

Researchers from the Universities of Birmingham and Surrey determined that Apple Pay and Visa flaws might let thieves get past an iPhone’s Apple Pay lock screen and make contactless payments.

If you don’t feel comfortable utilizing Apple Cash or Apple Pay, think about other ways to transfer, receive, and spend money.

Finally, your default card with Apple Pay is the one you can use quickly and simply in stores and online by double-tapping the side button and turning on touch or face ID.

Frequently Asked Questions

1. Can you get scammed on Apple pay?

It can be a fraud if you didn’t approach the business directly to start the dialogue.

2. Where is the Apple Pay Button?

Simply press the Home button on your iPhone while holding it close to the reader.

3. How does Apple Pay Work on your Phone?

It’s easy to set up Apple Pay. You can get started by simply adding your credit or debit card to the Wallet app on your iPhone.

4. What is the Benefit of having Apple Pay?

Compared to using an actual credit, debit, or prepaid card, Apple Pay is more secure.

5. Is there a Monthly Fee for Apple Pay?

No, there are no costs associated with using Apple Pay.

6. What are Some Pros and Cons About Apple Pay?

  • Payment

  • Convenient

  • Secure

  • No Internet Required

  • Absence of Extra Fees. Privacy

7. Can you Get Scammed on Apple Pay?

It can be a fraud if you didn’t approach the business directly to start the dialogue.

8. How Much does Apple Pay Cost?

An additional charge of 1.5 percent, with a minimum charge of $0.25 and a maximum charge of $15.

9. Will I get a Paper Bill for my Apple Card?

Unfortunately, there isn’t one available right now.

10. Is Apple Card Paperless?

The Apple Card is paperless.

If you enjoyed this article and found it helpful, do well to share it with friends and loved ones, and also, you can share your opinions in the comment section. 

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