How to shop with apple pay. Instruction. How to set up and use Apple Pay in Russia. Which devices support Apple Pay
Apple Pay is available in many countries around the world and you can use it with an Apple watch on your wrist. Understand how to pay with the watch Apple Watch, it's easy, and you can start paying for purchases using Apple Pay today.
Contactless payment is an actively developing technology. This is a key benefit of this watch and a handy feature that helps simplify your daily life.
Set up Apple Pay on Apple Watch
The setup process is extremely simple; difficulties, as a rule, do not arise with how to set up Apple Pay on Apple Watch. An important feature is that the watch and the iPhone work independently of each other with the mobile payment system.
Despite the obvious symbiosis of the two devices, they use individual and unrelated Wallet apps; this means that you can use two separate cards. It also allows you to pay without an iPhone, which is convenient if you're out for a run or forgot your phone at home, for example.
To start configuring you need:
- Select “My Watch” in the watch application (on your iPhone) and launch Wallet & Apple Pay. Then you will be taken to a section where you can enter your credit or debit card... Any bank card will do.
- If you do not have a passcode configured on your device, you will be prompted to complete the setup. Contactless payment will not work without this code; this is done in order to protect funds from intruders, so that they would not be able to use the card without your knowledge.
- Next, you scan your card with your phone camera and complete the missing information. Once you are done with this, you will be sent an email or SMS with a verification code, which you will need to enter in the application on your phone.
- Then the bank that issued you the card will be checked, which will decide whether you can use the card in the mobile payment system. Additional information may also be required for verification, in which case a personal request will be made from the bank (this procedure does not take much time).
- After passing the check, a confirmation will appear on the device that everything is ready to work.
Pay for purchases using Apple Watch
If everything is set up, then you need to figure out how to pay in stores using your watch.
To pay for a purchase using Apple Watch, you must:
- Press the side button twice, bringing the watch to the terminal installed by the seller.
- Continue to keep your hand over the terminal; an image of your card will appear on the screen and a message stating that it is ready for use.
- After that, you will almost immediately hear a characteristic sound or feel vibration. A check mark will appear on the dial informing you that the transaction has been completed.
The mobile payment system is actively developing. In addition to Russia, you can use this function in more than 20 countries around the world. In 2018, this number will only grow.
You can make transactions via NFC in many, even small, stores in our country. In the future, there will be more places where you can pay for your purchases using this function, which means that paying with your watch will become easier and more convenient.
Modern technologies do not stand still, now each of us can easily pay for our purchases in stores and on the Internet using our Apple device. An innovative method of contactless payment was implemented relatively recently, but it is already gaining popularity. Owners of mobile gadgets claim that paying with Apple Pay is as easy as taking a selfie.
Apple Pay is a special contactless payment system that was developed by the well-known manufacturer Apple. The service can be used by all owners of iPhone mobile phones and smart watches. Owners of various devices of the "apple" company can integrate several bank cards, and pay with one touch. Payment for goods and services is carried out using a special NFC technology, as well as installed programs called:
- Wallet;
- Touch ID.
Payments can be made not only in stores, but also in the Internet... In order for the program to work, you need to transfer all the data of your bank card... This can be done after digitizing it using the Wallet program or by simply photographing the plastic.
Device support
Unfortunately, not all company devices support Apple Pay. The program was presented to the public in 2014, so owners of previously released gadgets will not be able to use Apple Pay.
Only iPhone owners of the following series will be able to pay for purchases in stores, various programs and on the Internet:
- 6th generation - 6s, 6s Plus, 6, 6 Plus, SE;
- 7th generation - 7, 7 Plus;
- 8th generation - 8, 8 Plus, H.
The system is also supported by iPhone 5 / 5c / 5s models, but they do not have an NFC module and can only be used in conjunction with an Apple Watch.
Owners of smart watches of 1-3 generations can freely pay for purchases at retail outlets and various programs. Through the standard Safari browser, you can also use iPad(all generations) and your Mac, which is equipped with a dedicated Touch ID sensor.
How to set up and link a map
It's not difficult to connect Apple Pay on your device. Right enough bind banking payment card.
Owners mobile phone iPhones and iPads can digitize plastic in the following ways:
- Find, download and install a program called Wallet.
- Go to the application and find the "Add payment card" button.
- Following all the prompts of the program, you need to enter all the necessary data and click the "Next" button.
- Wait while the program checks if you can use this card.
This is where the technology of linking the card to Apple Pay ends and you can use the service without any problems. Please note that if you are already authorized card in your iTunes, you do not need to enter any data. You just need to enter the security code and the card will appear in Apple Pie automatically.
Owners of Apple smart watches need to follow these steps:
- Open a program called Watch on your iPhone.
- Find the "My Watch" tab and go to it.
- Click on the Wallet and Apple Pay button and start entering your bank payment card details.
- Follow the instructions given by the program.
After that, modern contactless payment becomes available to you.
If you want to bind a card through your Mac, then follow these instructions:
- On your laptop, go to System Preferences and then select the tab called Wallet and Apple Pay.
- Click on the "Add new card».
- Enter all the details of your payment card and wait for it to be verified.
Please note that Apple Pay via Mac only works if the device has a built-in Touch ID.
Using the program
To pay for goods in stores or on the subway using your iPhone, follow these simple instructions:
- Make your purchases and let the seller know that you would like to use Apple Pay to pay for the item.
- Place your finger on the dedicated Touch ID sensor on your phone.
- Hold your smartphone about 2.5 cm away from the terminal to read contactless payments.
- Wait until the message "Ready" appears on the phone screen, which will mean that the payment was made successfully.
Note! Not every terminal supports the system contactless payment, the device must have an Apple Pay sticker.
Payment from hours happens in a similar way, only at the initial stage you need to hold the side button of your device. The success of the operation is confirmed by a slight pulsation of the gadget on the wrist.
If attached to the system several bank cards then you can pay for your purchases with any of them. For selection desired card First, you need to hold your phone or watch near the reader, but do not put your finger on Touch ID. The screen will display the one that is set by default. You need to click on it, and then select the plastic that you want to use. To do this, just scroll the menu to the right or to the left. Then put your finger back on the Touch ID sensor and wait for the notification of successful payment.
The system allows you to add up to 8 bank cards to the phone memory.
To buy goods in the Internet or in the programs, you must select the correct payment method: "Buy with Apple Pay". The availability of this function depends on whether the site or software provides such an opportunity for its visitors.
bonus program
Some stores participate in a special bonus system: Apple Pay user points are awarded on the virtual card... To participate in the promotional program, you must add the card to the Wallet program. If you want to pay in the store using bonuses, you just need to choose this card among all the others.
In some retail outlets, the card is selected automatically, so before paying it is better to check which "virtual plastic" you are paying from.
Where can I use
Apple Pay can be used in all stores where special terminals for reading contactless payments. It is better to check this information in advance so that there are no problems at the checkout.
At the same time, there are some restrictions if you use the program not in Russia and not through Sberbank, but outside the country:
- In Italy (or on Italian websites) you cannot pay with a Maestro card from your iPad and Mac.
- In Japan, contactless payment terminals only support the iPhone 7 series and the 2nd generation Apple Watch.
Also, in many countries there are limits on the amount of transactions through Apple Pay, for example:
- In Hong Kong, you cannot pay for purchases over HK $ 500.
- In France, in some cases, it is impossible to pay for goods worth more than 20 euros.
- In Ireland, problems may arise if the purchase amount is more than € 30.
Therefore, if you go on a trip abroad, it is better to immediately clarify whether you can use Apple Pay in that country, as well as which cards (Visa or MasterCard) can be used. To do this, just turn on the Internet and study the information on the official Apple website.
Payment security
Absolutely all payment systems, for example, Visa, Paypal, make sure that their customers do not worry about the security of payments. The creators of Apple Pay paid special attention to this issue by developing a three-step protection system all transactions, thus, all transactions are safe.
The contactless payment system does not store any data on completed transactions that could identify users.
No one except the owner of the smartphone will be able to pay for the goods - all operations confirmed by fingerprint... Moreover, the intellectual system is able to determine whether a person is sleeping or not. Thus, all unauthorized actions using the phone are excluded. If the purchase amount is too high, the application will ask you to enter a secret pin code.
Apple Pay is an innovative yet simple service that lets you quickly pay for purchases in stores or on the web with just a tap of your finger. In the future, Apple plans to integrate bank accounts into the system, which will reduce personal finance management to using one device.
Since October 4, 2016, Russia has become one of the countries in which payment service Apple Pay. Those wishing to try out the new product probably already have a lot of questions regarding its work. In this article we will tell you what it is and how to use the service to pay for purchases using your iPhone, iPad, Mac or Apple Watch.
In contact with
What is Apple Pay?
- Apple's mobile payments feature, integrated into the Wallet app, offering a secure and private way to make purchases using Apple smartphones, tablets or smartwatches.
This service is supported by all communicators with an NFC chip (models starting from the iPhone SE and iPhone 6). However, the service can also be used by iPhone 5 / iPhone 5s owners by connecting the device to Apple Watch (the system supports first generation watches). In this case, work with the service will be carried out through a smart watch.
One of the main benefits of Apple Pay is its security and privacy. When paying for purchases, the service uses an individual device number and a unique transaction code. This means that the card number is not saved on the gadget or Apple servers. In addition, it is not transferred to sellers upon payment.
Why shouldn't you be afraid to use Apple Pay in Russia?
Payment services are of great interest to scammers and cybercriminals. Therefore, users of such systems often have concerns about the safety of using such services. Is it safe to use Apple Pay?
Frequently asked questions from users and answers to them:
1. Can the payment card information be compromised?
One of the key features of the apple system is that card data(number or PIN) are stored on iPhone and Apple Watch encrypted, therefore, it is impossible to spy on them.
2. What if someone spied on my PIN code?
If you pay with Apple Pay a fingerprint is used as a pin code, which is known to be unique to each person. Only law enforcement agencies can access the fingerprint images. In reality, it will be much easier for a criminal to get a password from a payment card.
3. Can outsiders pay for purchases with a found or stolen Apple Watch?
Apple Pay users can pay using an Apple Watch without an iPhone. This opportunity useful in cases when the user for some reason does not have access to the smartphone. Work payment system on Apple Watch provides mandatory setting of a numeric password that must be re-entered in order to make a payment. If you don't know him, you won't be able to buy anything. You can set a password as follows: " Settings» -> « The code»-> enter an arbitrary sequence of numbers.
4. I lost (stolen) my iPhone with Apple Pay configured, what should I do?
The principle of Apple Pay is such that the system will not work without proper configuration (“ Settings» -> Touch ID and Passcode) and activating the Touch ID sensor. Thus, the criminal will not be able to gain access to the device. Apple Pay payment process based on fingerprint scanning... In addition, if the transaction amount exceeds 1 thousand rubles, it may be necessary re-enter password, however, only after scanning the fingerprint.
5. Will the payment card details be known to Apple?
If you are already buying content from App Store or pay for, worrying that Apple will gain access to your payment card details is not practical, since the card is already linked to your account.
6. Can third-party apps access Apple Pay?
Apple's tough policy prevents the appearance in her branded app store questionable programs... In addition, iOS prohibits the installation of software from unverified sources. Thus, such anxiety is unfounded.
7. Are there any additional fees?
Apple Pay payments are made no commission whatsoever... That is, the user pays only the amount that is indicated on the product label.
When paying using the "apple" payment system, a commission is charged in the amount of 0.15% - 0.17%, but it is not paid by the user, but by the point where the transaction is carried out.
As of early November 2016, Apple Pay works with debit and credit cards from the following banks:
Where can I pay with Apple Pay?
You can use the service almost everywhere: from supermarkets and hotels to cafes and restaurants. Pay attention to the presence of these icons near the cash register.
How to link a card to Apple Pay on an iPhone or iPad?
The card is linked through the Wallet program. To do this, you need to launch the application and select the option “ Add payment card". At the next stage, you need to add the card details manually or scan it using the camera, and then confirm that the information is entered correctly.
On iPhone 5 / 5c / 5s, the pairing process is as follows: after connecting Apple Watch to your smartphone, open the program Watch -> Wallet -> ... Adding a map is carried out in the same way as in the process described above.
How to pay with Apple Pay on iPhone
In order to make a payment, bring your gadget to a payment terminal that supports PayPass technology... Look for any of these icons at the checkout:
Without unlocking, double-click the Home button. Then put your finger on Touch ID and bring your smartphone to the terminal.
An example of payment via Apple Pay:
How to pay with Apple Pay on Apple Watch
If you pay using Apple Watch, double-click the side button and bring the watch to the terminal.
A prerequisite for working with the service is an Internet connection. This can be a Wi-Fi connection or a cellular connection.
How to work with a payment service on Apple Watch
1 ... In the Watch app on iPhone, go to “ My watch". If there are several models of smart watches, select one that will be used to make payments.
2 ... Click on Wallet and Apple Pay.
3 ... Add a map. If the card information is already saved on the iPhone, tap on the “ Add to". If you want to add a new card, click “ Add Mastercard". When prompted, enter the security code.
How to use Apple Pay online with Safari on iOS 10 and macOS Sierra
With the release, users have the opportunity to pay for purchases using Apple Pay on the Internet. This feature requires the Safari browser for iOS 10 or macOS Sierra. The service works on all macOS Sierra-based Macs, iPhones or iPads running iOS 10, and Apple Watch models using watchOS 3.
To set up Apple Pay on your iPhone or iPad, go to “ Settings» -> Wallet and Apple Pay -> « Add a card". To use Apple Pay with Apple Watch on websites in the Safari browser on Mac computers, open the app Watch on iPhone -> Wallet and Apple Pay -> « Add a card". To work with a payment service on the Internet, you must be logged into account iCloud.
It is quite easy to use the Apple Pay service on the Internet - the option “ Pay with Apple Pay". To confirm your purchase in Safari on Mac, you need to double-click the side button on your Apple Watch. On an iPhone or iPad, this process is done using a fingerprint.
This is what Apple Pay looks like on a Mac:
- First, make sure that in the Safari preferences under Confidentiality included item .
- Click on the Apple Pay option on Mac and confirm payment and shipping information.
- Confirm the transaction on Apple Watch.
- Confirm your payment by double-clicking the side button on your smartwatch.
- You can choose the card that will be used to pay for the purchase.
- On Mac, Safari displays a message indicating that the transaction was successful.
- Here's what the Apple Pay interface looks like on iPad.
Which shortly before the official release was mentioned at the next Apple presentation director general companies. What is Apple Pay?
Apple Pay is a contactless payment solution that is more secure and convenient way payment for goods and services. Principle Apple work Pay consists in reading payment information from Apple mobile devices using NFC (Near Field Communication) technology with further authentication of the owner through.
How to set up Apple Pay
Before using the service, you need to launch the stock Passbook application and add active card by scanning it with a camera. You can attach up to 8 different cards to Apple Pay, and payment takes place in a matter of seconds. The user does not even need to launch any application to activate the system. All you have to do is bring your iPhone up to a store-based proximity reader and place your finger on the Home button to recognize your Touch ID fingerprint. A vibration or sound signal will let you know that the payment transaction was successful.
Also, using the contactless payment system, you can pay for purchases in applications.
It should be noted right away that Apple Pay will only be supported on new Apple devices, such as iPhone 6 and iPhone 6 Plus, iPhone 7, iPhone 7 Plus, iPad mini 3, iPad Air 2 or Apple Watch and later.
Despite the fact that since its launch, Apple Pay has been used in more than 200,000 retail outlets, including McDonald's, Walgreen pharmacy chain and such large stores as Target and Macy's, in the present Apple has agreements only with US banks , which makes the service unavailable for residents of Russia. Nevertheless, with a strong desire, the territorial restriction can be circumvented.
upd. Apple Pay in Russia
Apple Pay system started working in Russia. At the moment, only MasterCard from Sberbank is suitable for paying for purchases via Apple Pay, but the situation may change in the near future - the list of partner banks will be replenished.Users of the following devices will be able to pay for their offline purchases in Russia via Apple Pay:
- iPhone 6 and 6 Plus
- iPhone 6S and 6S Plus
- iPhone 7 and 7 Plus
- iPhone SE
- Apple Watch
How to use Apple Pay in Russia
Apple Pay was launched in Russia on October 4. The system is automatically activated on all compatible devices, so users of i-devices do not need to independently perform any service settings.
Apple Pay works with all terminals that support contactless payment methods. These are PayPass, PayWave and NFC.
In order to pay, place your finger on the Touch ID sensor and bring the iPhone to the terminal. At this time, the system will automatically process the payment.
In some cases, you may need to enter the PIN code of the card or sign on the iPhone screen. When paying for purchases using Apple Pay, the bank does not charge any commission.
How to add cards to Apple Pay
Recall that at the moment in Russian Apple Pay works only with MasterCard from Sberbank. To attach a card, follow these steps:- Open the Wallet app on iPhone.
- Tap on "Add payment card".
- Take a photo of the card or enter its details manually.
Video instructions "how to set up Apple Pay" from Sberbank
How to use Apple Pay outside the US with a US bank card
As it became known recently, the owners of brand new mobile devices from Apple have found a way to use the service in other countries. However, in order to use Apple Pay outside of the United States, you must have a valid bank card in the United States.Although Apple claims that they have agreements with more than 500 banks, in the present, when talking about the compatibility of cards with Apple Pay, the Cupertinians announce a not so long list: American Express, Bank of America, Capital One, Chase, Citi, JP Morgan , Merrill Lynch, US Trust and Wells Fargo. In more detail, the situation with card support looks like this:
Further, to make payment for the purchase, you need to go to "Settings"> "General"> "Language"> "Region" and change it to the United States. After that, we launch the Passbook application, in which it became possible to install Apple Pay and continue with the setup.
It will be possible to pay for purchases using Apple Pay through PoS terminals that support NFC technology. However, keep in mind that using Apple Pay outside the United States will cost you an extra penny, as banks will require payment for services taking into account currency conversion. But be that as it may, it works.
Apple Pay security
The safety of using a contactless payment system is one of the important issues. According to most experts, paying for purchases using Apple Pay is safer than using the usual plastic cards... Fingerprint scanning technology excludes the possibility of using the service by unauthorized people, and the NFC module transmits all data using tokens that replace the existing number credit card to a randomly generated one.In general, the simplicity, convenience and security due to the use of biometric identification technology and tokens make Apple Pay an attractive service in the eyes of users and a serious competitor in the rapidly developing market of digital payment systems.
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