Everything You Need To Know About Setting Up And Using Apple Pay
User guides
Apple’s mobile wallet and payment solution, Apple Pay, is finally here. Well, if you live in the US anyway. There’s no official word from Apple on when Apple Pay will hit the UK, but Pedro Sousa, Head of Mobile Proposition for Visa Europe, has suggested it won’t be arriving until at least 2015. Nevertheless, if you have a US iTunes account and a US credit or debit card, you can begin using Apple Pay today. There’s everything you need to know.
What Do I Need To Use Apple Pay?
To use Apple Pay in stores you need an iPhone 6 or iPhone 6 Plus running iOS 8.1. You’ll also need a US iTunes account and at least one US credit or debit card. To use Apple Pay to make an in app or web-based purchases you’ll need an iPhone 6 or iPhone 6 Plus, iPad Air 2, or iPad mini 3 running iOS 8.1 as well as a US iTunes account and at least one US credit or debit card.
How Does Apple Pay Work?
For in store use it uses the NFC chip inside the iPhone 6 and iPhone 6 Plus and the Touch ID on these two devices. When you want to purchase something at a participating retailer you simply hold your iPhone over the NFC terminal at the register and tap the Touch ID.
For app and web-based purchases Apple Pay does not require an NFC chip, only the Touch ID, which is why transactions can be completed on the iPad Air 2 and iPad mini 3. To use Apple Pay for making in-app purchases, tap the Apple Pay button in the app and then place your finger on the Touch ID on your iPhone 6, iPhone 6 Plus, iPad Air 2, or iPad mini 3.
How Do I Add A Payment Method To Apple Pay?
In two ways: you can use the payment card you already have on file with your iTunes account or you can add separate credit and debit cards.
Setting Up Apple Pay With Your Existing Card On File With Your iTunes Account:
It’s simple, but the procedure varies slightly depending on if you are setting it up on an iPhone 6 or iPad Air and iPad mini.
If you are using an iPhone 6, open the Passbook app. If you are using an iPad Air 2 or iPad mini 3 go to the Settings app and tap Passbook & Apple Pay.
On iPhone, if you don’t have any passes set up already tap “Set Up Apple Pay” on the placeholder card. If you do have passes in Passbook already, pull the passes down from the top of the screen until you see the + button in the upper right corner. If you’re on iPad in the Settings app all you need to do is tap “Add Credit or Debit Card”.
Next tap “Use Card on File with iTunes”.
You’ll be taken to a screen that asks you to enter the 3-digit security code from the back of the card. Do it then tap next.
On the next screen your bank will process the information and then give you options of verifying that you want to add the card. Options include calling a phone number or entering a code sent via email or text. Note that different banks may offer only some of these options and not all.
Once your card is verified, you’re done. It will appear at the top of Passbook on the iPhone and be listed in the Passbook & Apple Pay section of the Settings app in iPad.
Setting Up Apple Pay For Use With A New (Or Additional) Credit Or Debit Card:
If you don’t want to connect your card on file with your iTunes account to your Apple Pay account you can choose to add a different card. As with adding an iTunes card account, the procedure is slightly different depending whether you’re doing this on an iPhone or iPad.
If you are using an iPhone 6, open the Passbook app. If you are using an iPad Air 2 or iPad mini 3 go to the Settings app and tap Passbook & Apple Pay.
On iPhone, if you don’t have any passes set up already tap “Set Up Apple Pay” on the placeholder card. If you do have passes in Passbook already, pull the passes down from the top of the screen until you see the + button in the upper right corner. If you’re on iPad in the Settings app all you need to do is tap “Add Credit or Debit Card”.
Next tap “Use a Different Credit or Debit Card”.
You’ll be taken to the card details screen where you have two ways of entering your card information. You can choose to type in the card name and number manually, or you can choose to let your iPhone or iPad grab your information from the card by taking a picture of it. To do this, tap the blue camera icon.
On the card image capture screen position your credit card within the white frame outline. Your iOS device’s camera will autofocus for a few seconds and then you’ll see white text and numbers overlay the text and numbers on your credit or debit card when your iOS device has grabbed the information from it (it does this by using simple optical character recognition software).
You’ll be taken to a screen that asks you to enter the 3-digit security code from the back of the card. Do it then tap next.
On the next screen your bank will process the information and then give you options of verifying that you want to add the card. Options include calling a phone number or entering a code sent via email or text. Note that different banks may offer only some of these options and not all.
Once your card is verified, you’re done. It will appear at the top of Passbook on the iPhone and be listed in the Passbook & Apple Pay section of the Settings app in iPad.
Michael Grothaus
12:46, 21 Oct 2014
Devices
Apple
Apple iPhone 6
Apple Pay
TouchID
Apple iOS 8.1
Apple iPad Air 2
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