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Wikipedia

Apple Pay

March 06, 2023

Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay-specific contactless payment terminals; it can work with any merchant that accepts contactless payments.[1] It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.

Apple Pay
Developer(s)Apple Inc.
Initial releaseOctober 20, 2014; 8 years ago (2014-10-20)
Operating systemiOS 8.1 or later
(iOS 10 or later for Apple Pay on the web)
(iOS 11.2 or later for Apple Cash)
All watchOS versions
macOS Sierra or later
Platform
LicenseProprietary
Websiteapple.com/apple-pay/

Apple Pay can also be used to ride some public transport networks[2] either through the use of credit/debit cards (open loop) (for example across TfL in London, SL in Stockholm, and at OMNY readers across New York City's subway and bus network) or dedicated travel cards such as JR East's Suica, the Chicago Transit Authority's Ventra, the San Francisco Bay Area's Clipper (closed loop) and Hong Kong’s Octopus Card.

Service

Device compatibility

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and Apple Watch Series 1 and later. It can store between 8 and 16 cards (passes such as loyalty cards and tickets do not count against this limit.)[3]

Technology

Apple Pay uses[4] the EMV Payment Tokenisation Specification.[5]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [...] generated for each transaction".[6] The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.[6]

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID,[6][7] or passcode,[7] whereas Apple Watch users authenticate by double-clicking a button on an unlocked device.[8] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[6] Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the fund transfer between counter-parties is not immediate.[9] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a card which stores the user's balance on the card itself, such as a Japanese Suica card or a Hong Kong Octopus card. These cards can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £100 (previously £45 until 14 October 2021)[10] as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below).[11] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[6] Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit.[12] Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[13] but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015.[14][15] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, in addition, the bank pays 45 rubles a year for each card added in the service.[16]

Consumer Device Cardholder Verification Method (CDCVM)

In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID, or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a 'no verification contactless limit' using contactless cards (such as the £100 limit in the United Kingdom and the C$100 limit in Canada and the 300SAR limit in Saudi Arabia), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.[17]

Express Transit or Express Travel

Since iOS 12.3, supported credit and debit cards, as well as some stored-value transport cards (such as Shanghai & Beijing transit cards, Octopus Card, Suica, MTA and TriMet) can be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID.[18] Once a supported credit, debit or transit card is selected as a user's Express Transit/Travel card, the user can simply hold their device near the card reader, for example at ticket barriers, to initiate or authorise payment for the journey.

Within iOS, the functionality is labelled as "Express Transit" in North America and "Express Travel" in most other English-speaking countries, because "transit" in most varieties of English has a narrower meaning of travelling through a jurisdiction or airport during a journey as opposed to travel or transport in general.

On iPhone XR, iPhone XS, iPhone XS Max and later, Express Transit/Travel cards can be used up to five hours on Power Reserve after the device has powered off due to a drained battery. The typical low-battery icon will display with "Express Cards Available" text appearing at the bottom of the display, letting users know that Express Transit/Travel is still available for usage.

(Express Mode more generally is also available for contactless student ID cards stored in the Wallet app[19] as well as digital car keys.[20]

A security flaw was reported in September 2021 whereby Visa cards configured for Express Travel/Transit can be charged with unlimited amounts by non-transport merchants without user authentication.[21][22][23]

Global acceptance

About two-thirds of merchants accept Apple Pay, but many terminals don't.[24] Due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some known examples include:

  • Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a 'Could Not Complete Payment' error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash

Apple Cash, formerly Apple Pay Cash, is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Apple Pay. Prior to April 2022, the Apple Cash Card was provisioned as a Discover Contactless Debit card. Apple Cash Device Account Numbers currently are issued/reissued on the Visa payment network ensuring a larger acceptance for the Apple Cash card at more merchants.

Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. Apple Cash is only available in the United States.[25][26]

Cost

Apple Pay does not cause additional fees for users and merchants. In Switzerland, for example, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (US$0.26) quarterly on every card to Apple. Additionally, they paid 0.12% for credit card transactions, and 0.17% for web or app based transactions. Swiss antitrust authorities require that an acquirer pays maximum 0.44% of the transaction amount to the issuer. The competition commission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers income earned from the acquirer.[27][28][29][30][31]

History

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[6] Apple partnered with American Express, Mastercard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information.[12] A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration.[32] MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments".[32] The announcement of the service came at a time when MasterCard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems.[6] Apple then approached several big banks in mid-2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement.[12]

The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface", "exposed numbers", and insecure "security codes".[6] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[6][8][33] The company announced an API for app developers to build Apple Pay checkout into their apps.[6]

The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015.[34] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[35] and Chinese users could start to use Apple Pay on February 18, 2016.[36]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[37]

Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website[38] detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported.[38][39] Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.[40]

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan.[41][42][43]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[44]

In June 2020, it was announced that the European Commission (EC) will take two probes against Apple, one focused on Apple Pay. According to EC, Apple was abusing its control of its payment wallet by blocking third-party payment access to the NFC hardware that enabled contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a cause of the increased number of people using contactless paying.[45]

Availability

 
Global availability of Apple Pay
  Available (74 countries and territories)
  Suspended (Russia)

Supported countries

Apple Pay can be used with cards issued in 74 countries and territories worldwide, plus South Korea, where its launch set to take place in the future.[46][47] It can also be used in some “unsupported” countries, albeit only with foreign cards.

Date launched Support for payment cards issued in
October 20, 2014   United States
(except   Puerto Rico & other unincorporated territories)
July 14, 2015   United Kingdom
(excluding British Overseas Territories)
November 17, 2015   Canada
November 19, 2015   Australia
February 18, 2016   China
April 19, 2016   Singapore
July 7, 2016   Switzerland
July 19, 2016   France
  Monaco
July 20, 2016   Hong Kong
October 4, 2016   Russia (Suspended on March 25, 2022)[note 1]
October 13, 2016   New Zealand
October 25, 2016   Japan
December 1, 2016   Spain
March 7, 2017   Guernsey
  Ireland
  Isle of Man
  Jersey
March 29, 2017   Taiwan
May 17, 2017   Italy
  San Marino
   Vatican City
October 24, 2017   Denmark
  Greenland
  Finland
  Sweden
  United Arab Emirates
April 4, 2018   Brazil
May 17, 2018   Ukraine
June 19, 2018   Poland
June 20, 2018   Norway
November 28, 2018   Kazakhstan
  Belgium
December 11, 2018   Germany
February 19, 2019   Czech Republic
  Saudi Arabia
April 24, 2019   Austria
May 8, 2019   Iceland
May 21, 2019   Hungary
  Luxembourg
June 11, 2019   Netherlands
June 26, 2019   European Union (All Parts)
  Bulgaria
  Croatia
  Cyprus
(except   Northern Cyprus)
  Estonia
  Greece
  Latvia
  Liechtenstein
  Lithuania
  Malta
  Portugal
  Romania
  Slovakia
  Slovenia
July 2, 2019   Faroe Islands
August 6, 2019   Macau
September 3, 2019   Georgia
November 19, 2019   Belarus
January 28, 2020   Montenegro
June 30, 2020   Serbia
February 23, 2021   Mexico
March 30, 2021   South Africa
May 5, 2021   Israel
August 17, 2021   Qatar
October 5, 2021   Bahrain
  Palestine
November 2, 2021   Azerbaijan
  Colombia
  Costa Rica
January 18, 2022   Armenia
March 15, 2022   Argentina
  Peru [50]
April 5, 2022   Moldova
August 9, 2022   Malaysia
December 6, 2022   Kuwait
  Jordan
TBA (future launch confirmed by Apple in February 2023)   South Korea[47]

Supported payment networks and card schemes

Usage within public transport systems

For public transport systems where payment cards can be used, passengers can travel with Apple Pay without authenticating each transaction. Transit cards that support direct provisioning can be issued within the Apple Wallet app itself, without needing to download a separate third-party application. Express Transit/Travel mode is available in the following places:[76]

Country/Region Scenario Direct provisioning Fare Payment Method(s)
Belarus All stations of Minsk Metro Payment cards
Mainland China[77] All forms of transit and stores that accept Beijing Transit cards Beijing Transit Card[note 2]
All forms of transit that accept Shanghai Transit cards and selected forms of transit that accept China City Union [zh] cards Shanghai Transit Card[note 2]
All forms of transit that accept China T-Union cards   Beijing T-Union Transit Card, Changsha Transit Card, Changzhou Transit Card, Chaozhou Transit Card, Dalian Transit Card, Foshan Transit Card, Guangzhou Transit Card, Heyuan Transit Card, Jiangmen Transit Card, Jieyang Transit Card, Jinan Transit Card, Lhasa Transit Card, Maoming Transit Card, Nanchang Transit Card, Nanjing Transit Card, Ningbo Transit Card, Shanwei Transit Card, Shanghai T-Union Transit Card, Shaoguan Transit Card, Shenzhen Transit Card, Shijiazhuang Transit Card, Suzhou Transit Card, Taizhou Transit Card, Tianjin Transit Card, Xiamen Transit Card, Xi'an Transit Card, Xuzhou Transit Card, Yunfu Transit Card
All stations of Beijing Subway and Beijing Suburban Railway Yitongxing Miaotong Card
Finland All Föli transit operators Payment cards
Hong Kong All forms of transit and stores that accept Octopus   Octopus[78]
Japan All forms of transit and stores that accept Suica   Suica
All forms of transit and stores that accept PASMO   PASMO[79]
Sweden All Skånetrafiken city buses Payment cards
Serbia Belgrade city public transport Payment cards
United Kingdom All Arriva UK Bus transit operators Payment cards
All Brighton & Hove transit operators Payment cards
All First Bus Group transit operators Payment cards
All Metrobus transit operators Payment cards
All Oxford Bus Company transit operators Payment cards
All stations of Transport for London Payment cards
United States All forms of transit that accept Ventra Ventra[80]
All forms of transit that accept TAP   TAP
All stations of Metropolitan Transportation Authority Payment cards
All forms of transit that accept Hop Fastpass Hop Fastpass, payment cards
All forms of transit that accept Clipper   Clipper
All forms of transit that accept SmarTrip/U-Pass   SmarTrip

In addition to the above scenarios, Apple Pay can still be used with other non-Express Transit/Travel readers that accept contactless open loop payment cards, but they will have to be verified beforehand.

Reception

Reviews

Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[6][32] including those of PayPal, Walmart, Target,[6] Google Wallet, and Softcard.[32] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[6] The Verge's Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea".[6] The Verge's Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement". He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry.[32] Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment".[12] Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks.[12]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[81][82] The Verge's Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[81] Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations.[81] The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.[82]

In a 2018 publication released by Consumer Reports, Apple Pay Cash was the leading peer-to-peer payment service.[83]

Adoption

 
Paying for coffee with Square's contactless + chip reader

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability,[84] making it the largest mobile payment system in the US at the time.[85] There were 220,000 participating vendors when it launched.[86][87] Outside the United States and the United Kingdom, Apple Pay can be used with American and British payment cards at compatible NFC-based payment terminals.[88][89][90]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialing a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy, Walmart, and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC,[12][91][92] although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015.[93][94] Best Buy has begun to accept Apple Pay at all stores starting in October 2015.[95]

Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX.[96] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its US stores.[97]

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant.[98][99][100][101]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[102] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[103]

On June 2, 2016, according to Fortune, Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015.[104]

With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide.[105]

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments.[106]

Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay.[107]

On September 7, 2016, Wayfair announced that they will support Apple Pay online.[108]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[109]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[110]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.[111]

On August 21, 2019, and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.[112]

In Feb 2020, Apple Pay accounted for 5% of global card transactions.[113] On April 4, 2020, Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.[114]

Notes

  1. ^ As of March 2022, Apple has disabled Apple Pay for Mastercard and Visa in Russia until further notice due to sanctions imposed by the United States government as part of its response to the 2022 Russian invasion of Ukraine and due to financial uncertainty in Russia.[48] Mir was later disabled on March 26, 2022.[49]
  2. ^ a b Existing users only

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External links

  •   Media related to Apple Pay at Wikimedia Commons
  • Apple Pay official site  

March 06, 2023
apple, mobile, payment, service, apple, that, allows, users, make, payments, person, apps, supported, iphone, apple, watch, ipad, digitizes, replace, credit, debit, card, chip, transaction, contactless, capable, point, sale, terminal, does, require, specific, . Apple Pay is a mobile payment service by Apple Inc that allows users to make payments in person in iOS apps and on the web It is supported on iPhone Apple Watch iPad and Mac It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless capable point of sale terminal It does not require Apple Pay specific contactless payment terminals it can work with any merchant that accepts contactless payments 1 It adds two factor authentication via Touch ID Face ID PIN or passcode Devices wirelessly communicate with point of sale systems using near field communication NFC with an embedded secure element eSE to securely store payment data and perform cryptographic functions and Apple s Touch ID and Face ID for biometric authentication Apple PayDeveloper s Apple Inc Initial releaseOctober 20 2014 8 years ago 2014 10 20 Operating systemiOS 8 1 or later iOS 10 or later for Apple Pay on the web iOS 11 2 or later for Apple Cash All watchOS versionsmacOS Sierra or laterPlatformIn store iPhone 6 or newerApple Watch paired with an iPhone or Series 3 or newer with cellular On the web Safari iPhone 6 or newer with iOS 10 or later2014 iPads Air 2 Mini 3 or newer with iOS 10 or later2016 MacBook Pro with Touch ID or newer2018 MacBook Air or newerMacs based on Apple silicon paired with a Magic Keyboard with Touch IDMacs supporting Handoff running macOS Sierra or later paired with an Apple Watch or iPhone 6 or newer On the web 3rd party browser iPhone 8 or newer with iOS 16 or laterLicenseProprietaryWebsiteapple com apple pay Apple Pay can also be used to ride some public transport networks 2 either through the use of credit debit cards open loop for example across TfL in London SL in Stockholm and at OMNY readers across New York City s subway and bus network or dedicated travel cards such as JR East s Suica the Chicago Transit Authority s Ventra the San Francisco Bay Area s Clipper closed loop and Hong Kong s Octopus Card Contents 1 Service 1 1 Device compatibility 1 2 Technology 1 3 Consumer Device Cardholder Verification Method CDCVM 1 4 Express Transit or Express Travel 1 5 Global acceptance 1 6 Apple Cash 2 Cost 3 History 4 Availability 4 1 Supported countries 4 2 Supported payment networks and card schemes 4 3 Usage within public transport systems 5 Reception 5 1 Reviews 5 2 Adoption 6 Notes 7 References 8 External linksService EditDevice compatibility Edit The service is compatible with iPhone 6 and newer iPad Air 2 and newer Macs with Touch ID and Apple Watch Series 1 and later It can store between 8 and 16 cards passes such as loyalty cards and tickets do not count against this limit 3 Technology Edit Apple Pay uses 4 the EMV Payment Tokenisation Specification 5 The service keeps customer payment information private from the retailer by replacing the customer s credit or debit card Funding Primary Account Number FPAN with a tokenized Device Primary Account Number DPAN and creates a dynamic security code generated for each transaction 6 The dynamic security code is the cryptogram in an EMV mode transaction and the Dynamic Card Verification Value dCVV in a magnetic stripe data emulation mode transaction Apple added that they would not track usage which would stay between the customers the vendors and the banks Users can also remotely halt the service on a lost phone via the Find My iPhone service 6 To pay at points of sale users hold their authenticated Apple device to the point of sale system s NFC card reader iPhone users authenticate by using Touch ID Face ID 6 7 or passcode 7 whereas Apple Watch users authenticate by double clicking a button on an unlocked device 8 To pay in supported iOS apps users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID 6 Users can add payment cards to the service in any of four ways through the payment card listed on their iTunes accounts by taking a photo of the card being provisioned from within the card issuer s app or by entering the card information manually Although users receive immediate notification of the transaction the Apple Pay system is not an instant payment instrument because the fund transfer between counter parties is not immediate 9 The settlement time depends on the payment method chosen by the customer An exception being payments made using a card which stores the user s balance on the card itself such as a Japanese Suica card or a Hong Kong Octopus card These cards can transfer funds directly to the merchant without the need for an online connection In the United Kingdom traditional contactless payments using bank cards are limited to 100 previously 45 until 14 October 2021 10 as no cardholder authentication is provided as part of the transaction Payments using Apple Pay however support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions although some issuing banks may impose their own transaction limits and not all contactless readers support this functionality see CDCVM below 11 Similar transaction limits apply in other countries Apple assumes some liability for fraudulent use of the service 6 Banks are expected to carry the burden of the service and Apple is said to have negotiated smaller transaction fees In turn the banks hoped to capture purchases that were formerly handled without credit 12 Financial Times reported that Apple receives 0 15 cut of US purchases made with the service 13 but following the UK launch reported that Apple s cut is much lower in the UK This is largely because Regulation EU 2015 751 capped interchange fees in the European Economic Area at 0 3 for personal credit cards and 0 2 for personal debit cards with effect from June 8 2015 14 15 In Russia Apple receives 0 05 for debit cards and 0 12 for credit cards of each purchase in addition the bank pays 45 rubles a year for each card added in the service 16 Consumer Device Cardholder Verification Method CDCVM Edit In EMV mode transactions Apple Pay supports the use of the Consumer Device Cardholder Verification Method CDCVM using Touch ID Face ID or the phone s or watch s passcode The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN Additionally in certain markets which have a no verification contactless limit using contactless cards such as the 100 limit in the United Kingdom and the C 100 limit in Canada and the 300SAR limit in Saudi Arabia the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay providing their terminal software is updated to support the latest network contactless specifications 17 Express Transit or Express Travel Edit Since iOS 12 3 supported credit and debit cards as well as some stored value transport cards such as Shanghai amp Beijing transit cards Octopus Card Suica MTA and TriMet can be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID 18 Once a supported credit debit or transit card is selected as a user s Express Transit Travel card the user can simply hold their device near the card reader for example at ticket barriers to initiate or authorise payment for the journey Within iOS the functionality is labelled as Express Transit in North America and Express Travel in most other English speaking countries because transit in most varieties of English has a narrower meaning of travelling through a jurisdiction or airport during a journey as opposed to travel or transport in general On iPhone XR iPhone XS iPhone XS Max and later Express Transit Travel cards can be used up to five hours on Power Reserve after the device has powered off due to a drained battery The typical low battery icon will display with Express Cards Available text appearing at the bottom of the display letting users know that Express Transit Travel is still available for usage Express Mode more generally is also available for contactless student ID cards stored in the Wallet app 19 as well as digital car keys 20 A security flaw was reported in September 2021 whereby Visa cards configured for Express Travel Transit can be charged with unlimited amounts by non transport merchants without user authentication 21 22 23 Global acceptance Edit About two thirds of merchants accept Apple Pay but many terminals don t 24 Due to provisioning differences between countries and even between issuers users may encounter acceptance issues when travelling to a different country Some known examples include Canada UK Saudi Arabia and possibly other non US issued Visa cards only support EMV mode transactions and not legacy magnetic stripe data emulation transactions Some contactless terminals in the US do not support EMV mode contactless transactions even if they support EMV contact transactions and therefore these visitors to the US will receive a Could Not Complete Payment error on the iPhone screen and an error on the terminal when attempting to use Apple Pay Apple Cash Edit Apple Cash formerly Apple Pay Cash is a feature that allows the transfer of money from one user to another via iMessage When a user receives a payment the funds are deposited in the recipient s Apple Cash card where it is available for immediate use at merchants that accept Apple Pay Prior to April 2022 the Apple Cash Card was provisioned as a Discover Contactless Debit card Apple Cash Device Account Numbers currently are issued reissued on the Visa payment network ensuring a larger acceptance for the Apple Cash card at more merchants Alternatively the user can choose to transfer the balance to a nominated bank account via ACH transfer Apple Cash is only available in the United States 25 26 Cost EditApple Pay does not cause additional fees for users and merchants In Switzerland for example participating card issuers pay for the service In 2020 Swiss banks paid a fixed commission 0 275 CHF US 0 26 quarterly on every card to Apple Additionally they paid 0 12 for credit card transactions and 0 17 for web or app based transactions Swiss antitrust authorities require that an acquirer pays maximum 0 44 of the transaction amount to the issuer The competition commission calls this amount interchange fee Apple charges between 27 and 39 of the credit card issuers income earned from the acquirer 27 28 29 30 31 History EditThe service was in preparation for a long time as Apple acquired startups hired executives and filed patents related to payments 6 Apple partnered with American Express Mastercard and Visa Their joint project began in January 2013 though they had discussed Apple s potential involvement for years Their joint solution was a system where single use digital tokens would replace the transfer of personal information 12 A Visa executive said that 750 people at the company worked on the anonymized token system for a year and the other partners had similar teams in collaboration 32 MasterCard began work on the project in 2013 and hoped that their joint work would become a standard for mobile payments 32 The announcement of the service came at a time when MasterCard and Visa policy created strong incentives for upgrading to mobile payment compatible point of sale systems 6 Apple then approached several big banks in mid 2013 and did not divulge the names of the other banks To maintain secrecy JPMorgan set up a windowless war room where the majority of the sensitive work was done Of their 300 people on the project about 100 knew that the partner was Apple Others close to the project did not know it was named Apple Pay until the announcement The company s participation remained a secret leading up to its announcement 12 The service was announced at Apple s iPhone 6 event on September 9 2014 At its announcement Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards outdated and vulnerable magnetic interface exposed numbers and insecure security codes 6 The iOS 8 1 software update accompanying the service s launch activated Apple Pay on compatible devices 6 8 33 The company announced an API for app developers to build Apple Pay checkout into their apps 6 The service initially supported US issued payment cards An international roll out was ongoing beginning with support for UK issued payment cards in July 2015 34 On December 17 2015 Apple announced that it would launch Apple Pay with fifteen major banks in China 35 and Chinese users could start to use Apple Pay on February 18 2016 36 In October 2015 Apple Pay vice president Jennifer Bailey confirmed that KFC Chili s and Starbucks would begin accepting Apple Pay in 2016 37 Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched The NFC reader is located directly to the left of the card reader although unlike the card reader the NFC reader does not light up Bank of America has launched a new website 38 detailing the simple process of withdrawing cash with a smartphone Google Pay Samsung Pay or Apple Pay Bank of America says that Consumer Debit Cards U S Trust Debit Cards Small Business Debit Cards owner card only are supported 38 39 Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs 40 On September 7 2016 Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets Only Suica cards are supported by Apple Pay which can be used at subway stations convenience stores etc just like regular Suica cards Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan 41 42 43 On March 25 2019 Apple Card was announced in partnership with Goldman Sachs and Mastercard 44 In June 2020 it was announced that the European Commission EC will take two probes against Apple one focused on Apple Pay According to EC Apple was abusing its control of its payment wallet by blocking third party payment access to the NFC hardware that enabled contactless payments Apple opposed the claim and cited the COVID 19 pandemic as a cause of the increased number of people using contactless paying 45 Availability Edit Global availability of Apple Pay Available 74 countries and territories Suspended Russia Supported countries Edit Apple Pay can be used with cards issued in 74 countries and territories worldwide plus South Korea where its launch set to take place in the future 46 47 It can also be used in some unsupported countries albeit only with foreign cards Date launched Support for payment cards issued inOctober 20 2014 United States except Puerto Rico amp other unincorporated territories July 14 2015 United Kingdom excluding British Overseas Territories November 17 2015 CanadaNovember 19 2015 AustraliaFebruary 18 2016 ChinaApril 19 2016 SingaporeJuly 7 2016 SwitzerlandJuly 19 2016 France MonacoJuly 20 2016 Hong KongOctober 4 2016 Russia Suspended on March 25 2022 note 1 October 13 2016 New ZealandOctober 25 2016 JapanDecember 1 2016 SpainMarch 7 2017 Guernsey Ireland Isle of Man JerseyMarch 29 2017 TaiwanMay 17 2017 Italy San Marino Vatican CityOctober 24 2017 Denmark Greenland Finland Sweden United Arab EmiratesApril 4 2018 BrazilMay 17 2018 UkraineJune 19 2018 PolandJune 20 2018 NorwayNovember 28 2018 Kazakhstan BelgiumDecember 11 2018 GermanyFebruary 19 2019 Czech Republic Saudi ArabiaApril 24 2019 AustriaMay 8 2019 IcelandMay 21 2019 Hungary LuxembourgJune 11 2019 NetherlandsJune 26 2019 European Union All Parts Bulgaria Croatia Cyprus except Northern Cyprus Estonia Greece Latvia Liechtenstein Lithuania Malta Portugal Romania Slovakia SloveniaJuly 2 2019 Faroe IslandsAugust 6 2019 MacauSeptember 3 2019 GeorgiaNovember 19 2019 BelarusJanuary 28 2020 MontenegroJune 30 2020 SerbiaFebruary 23 2021 MexicoMarch 30 2021 South AfricaMay 5 2021 IsraelAugust 17 2021 QatarOctober 5 2021 Bahrain PalestineNovember 2 2021 Azerbaijan Colombia Costa RicaJanuary 18 2022 ArmeniaMarch 15 2022 Argentina Peru 50 April 5 2022 MoldovaAugust 9 2022 MalaysiaDecember 6 2022 Kuwait JordanTBA future launch confirmed by Apple in February 2023 South Korea 47 Supported payment networks and card schemes Edit Visa worldwide Japanese Visa cards in Apple Pay also function as FeliCa based QUICPay or iD cards in addition to EMV contactless cards although some issuers do not support EMV contactless in Apple Pay meaning such cards will only function as QUICPay or iD cards 51 Visa Electron worldwide V Pay only in Europe 52 Mastercard worldwide Japanese Mastercard cards in Apple Pay also function as FeliCa based QUICPay or iD cards in addition to EMV contactless cards although some issuers do not support EMV contactless in Apple Pay meaning such cards will only function as QUICPay or iD cards 53 Maestro worldwide American Express worldwide Japanese American Express cards in Apple Pay also function as FeliCa based QUICPay cards in addition to EMV contactless cards 54 Discover Card only in the United States 55 U S Debit only in the U S CDCVM may not be supported requiring the customer to enter their PIN on the terminal Diners Club International only in Japan Only function as FeliCa based QUICPay cards and do not support the global EMV contactless standard JCB worldwide Japanese JCB cards in Apple Pay also function as FeliCa based QUICPay or iD cards in addition to EMV contactless cards although some issuers do not support EMV contactless in Apple Pay meaning such cards will only function as QUICPay or iD cards Cartes Bancaires CB only in France 56 Interac only in Canada 57 EFTPOS only in Australia 58 China UnionPay worldwide 59 China T Union select cities in China Suica PASMO iD QUICPay WAON and nanaco only in Japan FeliCa supported iPhone and Apple Watch models only 60 61 62 SPTC transit card only in Shanghai 63 Yikatong only in Beijing 64 mada only in Saudi Arabia 65 Clipper only in San Francisco Bay Area California United States 66 Hop Fastpass only in Portland Oregon United States 67 SmarTrip only in Washington D C United States 68 TAP only in Los Angeles California United States 69 Ventra only in Chicago Illinois United States 70 Elo only in Brazil 71 Octopus only in Hong Kong FeliCa supported iPhone and Apple Watch models only 72 girocard only in Germany 73 Mir only in Russia 74 suspended as of March 26 2022 49 Bancontact only in Belgium 75 Usage within public transport systems Edit For public transport systems where payment cards can be used passengers can travel with Apple Pay without authenticating each transaction Transit cards that support direct provisioning can be issued within the Apple Wallet app itself without needing to download a separate third party application Express Transit Travel mode is available in the following places 76 Country Region Scenario Direct provisioning Fare Payment Method s Belarus All stations of Minsk Metro Payment cardsMainland China 77 All forms of transit and stores that accept Beijing Transit cards Beijing Transit Card note 2 All forms of transit that accept Shanghai Transit cards and selected forms of transit that accept China City Union zh cards Shanghai Transit Card note 2 All forms of transit that accept China T Union cards Beijing T Union Transit Card Changsha Transit Card Changzhou Transit Card Chaozhou Transit Card Dalian Transit Card Foshan Transit Card Guangzhou Transit Card Heyuan Transit Card Jiangmen Transit Card Jieyang Transit Card Jinan Transit Card Lhasa Transit Card Maoming Transit Card Nanchang Transit Card Nanjing Transit Card Ningbo Transit Card Shanwei Transit Card Shanghai T Union Transit Card Shaoguan Transit Card Shenzhen Transit Card Shijiazhuang Transit Card Suzhou Transit Card Taizhou Transit Card Tianjin Transit Card Xiamen Transit Card Xi an Transit Card Xuzhou Transit Card Yunfu Transit CardAll stations of Beijing Subway and Beijing Suburban Railway Yitongxing Miaotong CardFinland All Foli transit operators Payment cardsHong Kong All forms of transit and stores that accept Octopus Octopus 78 Japan All forms of transit and stores that accept Suica SuicaAll forms of transit and stores that accept PASMO PASMO 79 Sweden All Skanetrafiken city buses Payment cardsSerbia Belgrade city public transport Payment cardsUnited Kingdom All Arriva UK Bus transit operators Payment cardsAll Brighton amp Hove transit operators Payment cardsAll First Bus Group transit operators Payment cardsAll Metrobus transit operators Payment cardsAll Oxford Bus Company transit operators Payment cardsAll stations of Transport for London Payment cardsUnited States All forms of transit that accept Ventra Ventra 80 All forms of transit that accept TAP TAPAll stations of Metropolitan Transportation Authority Payment cardsAll forms of transit that accept Hop Fastpass Hop Fastpass payment cardsAll forms of transit that accept Clipper ClipperAll forms of transit that accept SmarTrip U Pass SmarTripIn addition to the above scenarios Apple Pay can still be used with other non Express Transit Travel readers that accept contactless open loop payment cards but they will have to be verified beforehand Reception EditReviews Edit Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services 6 32 including those of PayPal Walmart Target 6 Google Wallet and Softcard 32 They noted that previous efforts did not solve customer inconvenience issues and felt that Apple Pay potentially did 6 The Verge s Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple s refusal to enter the market BusinessWeek s Joshua Brustein added that Apple has a history of letting first movers fail with an early version of the service before releasing a more polished version of the same idea 6 The Verge s Dieter Bohn called Apple Pay the week s most revolutionary product and the announcement a classic Apple moment of simplification and integration and the partnership between payments services and Apple a rare piece of collaboration and agreement He predicted that the service s effect on the mobile payments industry would be similar to the iPhone s effect on the smartphone industry 32 Nathaniel Popper of The New York Times referred to the banks level of coordination with Apple as elaborate and indicative of mutual preparation and investment 12 Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange which seeks to work around the card networks 12 Early reviews of the service regarded it as easy to use but were not sure whether the service would become widely adopted 81 82 The Verge s Nilay Patel wrote that the product demo was remarkably smooth and a cohesive user experience 81 Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens where cashiers prompt customers for loyalty cards and charity donations 81 The New York Times Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards Among the plastic card s benefits he included how others could make purchases on another s behalf and how dead cell phones could leave the owner stranded 82 In a 2018 publication released by Consumer Reports Apple Pay Cash was the leading peer to peer payment service 83 Adoption Edit Paying for coffee with Square s contactless chip reader Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability 84 making it the largest mobile payment system in the US at the time 85 There were 220 000 participating vendors when it launched 86 87 Outside the United States and the United Kingdom Apple Pay can be used with American and British payment cards at compatible NFC based payment terminals 88 89 90 In the United States Apple faced opposition by the mobile payments industry particularly the Merchant Customer Exchange MCX which was trialing a competing system known as CurrentC Several participants of CurrentC such as Best Buy Walmart and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals CVS Pharmacy and Rite Aid subsequently disabled all NFC payment systems in favor of CurrentC 12 91 92 although due to the exclusivity period ending in August 2015 Rite Aid has begun accepting it August 15 2015 93 94 Best Buy has begun to accept Apple Pay at all stores starting in October 2015 95 Target s CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done but they remain involved with MCX 96 On January 22 2019 Target announced the roll out of Apple Pay support to all of its US stores 97 Transport for London one of Apple Pay s official UK launch partners and one of the largest contactless merchants in the world became the UK s most used Apple Pay merchant 98 99 100 101 As of February 11 2016 20 of iPhone 6 users in the United States reported using the service at least once 102 Apple maintains an up to date list of merchants who accept Apple Pay on its website 103 On June 2 2016 according to Fortune Apple said its mobile payment platform is gaining a million new users each week yet the company did not reveal the total number of Apple Pay users Apple also revealed that transaction volume through the service is five times what it was a year ago and that payment volume within apps more than doubled in the second half of 2015 104 With the launch of Apple Pay in China the service hit three million provisions inside its first three days while more generally it is adding one million new users per week worldwide 105 On July 11 2016 Liquor Control Board of Ontario LCBO confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario Canada LCBO had been gradually rolling out Apple Pay support since June at its stores which had NFC based terminals for contactless payments 106 Starting on August 19 2016 Apple Pay will be available in Chick fil A restaurants across the United States allowing fast food buyers to make their purchases both in store and at the drive thru using Apple Pay 107 On September 7 2016 Wayfair announced that they will support Apple Pay online 108 On May 22 2018 TransLink announced support for Apple Pay at all fare gates and on buses 109 On July 31 2018 Tim Cook announced that both CVS and 7 Eleven in the United States will support the service 110 On May 31 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways 111 On August 21 2019 and December 23 2019 Miami Dade Transit announced support for Apple Pay at all fare gates and on buses 112 In Feb 2020 Apple Pay accounted for 5 of global card transactions 113 On April 4 2020 Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID 19 114 Notes Edit As of March 2022 Apple has disabled Apple Pay for Mastercard and Visa in Russia until further notice due to sanctions imposed by the United States government as part of its response to the 2022 Russian invasion of Ukraine and due to financial uncertainty in Russia 48 Mir was later disabled on March 26 2022 49 a b Existing users onlyReferences Edit Countries and regions that support Apple Pay Apple July 17 2019 Archived from the original on June 22 2021 Retrieved July 18 2019 Where you can ride transit with Apple Pay Apple Support Archived from the original on June 3 2020 Retrieved July 18 2019 Set up Apple Pay Apple Archived from the original on August 24 2022 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commission 2014 12 01 How Apple Pay and Google Wallet actually work Archived October 24 2021 at the Wayback Machine arsTECHNICA 2014 10 29 Dexheimer Elizabeth September 10 2014 Apple Said to Reap Fees From Banks in New Payment System Bloomberg Archived from the original on October 24 2021 Retrieved April 5 2022 WSJ Visa plans to cut Apple Pay fees some banking execs angered by Apple Card launch Archived October 24 2021 at the Wayback Machine 9 to 5 mac 2021 10 05 Apple Pay Fees Vex Credit Card Issuers Archived October 24 2021 at the Wayback Machine WSJ 2021 10 05 a b c d e Bohn Dieter September 10 2014 Apple Pay was this week s most revolutionary product The Verge Archived from the original on September 10 2014 Retrieved September 13 2014 How To Set Up Apple Pay On Your iPhone iPad and Apple Watch TaletLeopard Archived from the original on July 17 2015 Retrieved July 17 2015 Most Apple Pay payments will have 20 limit banks say BBC News Online June 9 2015 Archived from the original on 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Russian users to pay with Mir cards The Verge Archived from the original on March 27 2022 Retrieved March 26 2022 Apple Apple com Archived from the original on March 25 2022 Retrieved January 27 2022 Apple Pay allows you to pay at the counter with your iPhone 6 The Verge Archived from the original on September 14 2014 Retrieved April 14 2018 Get help adding cards to Apple Pay Apple Archived from the original on April 14 2018 Retrieved April 14 2018 MasterCard s mobile payments guru talks Apple Pay Android Pay and more Fortune Archived from the original on April 15 2018 Retrieved April 14 2018 American Express swipes in Apple Pay for corporate card holders www retaildive com Archived from the original on April 14 2018 Retrieved April 14 2018 Discover card users can redeem their points on Apple Pay Engadget Archived from the original on March 1 2018 Retrieved April 14 2018 Apple Pay now available to CB customers in France PDF Groupement des Cartes Bancaires CB GIE in French CB Archived 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update allows commuters in Shanghai and Beijing to use Apple Pay for metro and bus rides TechNode TechNode March 30 2018 Archived from the original on April 15 2018 Retrieved April 14 2018 Debit cards Prepaid Cards Cashback Option Mada Archived from the original on May 8 2019 Retrieved April 23 2019 Commission Metropolitan Transportation The Bay Area s all in one transit card www clippercard com Archived from the original on April 15 2021 Retrieved April 15 2021 Altstadt Roberta January 21 2019 Portland Vancouver s Hop Fastpass becomes first transit fare card in North America on iPhone Press release TriMet Archived from the original on May 24 2019 Retrieved May 24 2019 SmarTrip on iPhone amp Apple Watch WMATA wmata com Archived from the original on April 16 2022 Retrieved September 2 2020 Where you can ride transit with Apple Pay Apple Support Archived from the original on June 3 2020 Retrieved September 3 2020 Apple Pay Landing Page Ventra Archived from the original on July 21 2020 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Archived from the original on July 10 2018 Apple Pay 公交 Apple China Archived from the original on April 8 2020 Retrieved May 10 2021 蔡浩騰 林勇 June 2 2020 八達通Apple Pay正式推出 iPhone Apple Watch 1分鐘加卡教學 香港 香港01 Archived from the original on June 2 2020 Retrieved June 20 2020 Apple Payの PASMO ついに始動 iPhoneとApple Watchで利用可能 Engadget JP in Japanese October 6 2020 Archived from the original on October 25 2020 Retrieved October 6 2020 Oliver Haslam October 26 2020 Chicago gets in on Apple Pay Express Transit via Ventra Card iMore Archived from the original on November 24 2020 Retrieved October 26 2020 a b c Patel Nilay September 9 2014 Apple Pay hands on is this the future of payments The Verge Archived from the original on September 10 2014 Retrieved September 13 2014 a b Irwin Neil September 10 2014 Apple Pay Tries to Solve a Problem That Really Isn t a Problem The New York Times Archived from the original on September 15 2014 Retrieved September 14 2014 Fingas Jon August 6 2018 Apple Pay Cash 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a U S Credit Card Digital Trends Archived from the original on August 18 2015 Retrieved July 26 2015 Rogowksi Mark October 20 2014 Apple Pay Is Here And It s Going To Be Great Why The Skeptics Have It Wrong Forbes Archived from the original on October 21 2014 Retrieved October 21 2014 First a clarification There is no accepting Apple Pay You may have read an article or five suggesting that retailers don t plan to support Apple Pay implying there is some special thing they have to do to work with Apple What a retailer needs is nothing more than a NFC equipped point of sale terminal Constine Josh October 25 2014 CurrentC Is The Big Retailers Clunky Attempt To Kill Apple Pay And Credit Card Fees TechCrunch AOL Inc Archived from the original on October 25 2014 Retrieved October 26 2014 Apple Pay goes offline at CVS Rite Aid Ars Technica October 30 2014 Archived from the original on October 30 2014 Retrieved October 30 2014 Rite Aid Reverses Course Will Accept Apple Pay Starting August 15 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original on January 12 2022 Retrieved July 22 2015 Gibbs Samuel July 16 2015 TfL cautions users over pitfalls of Apple Pay The Guardian Archived from the original on July 22 2015 Retrieved July 22 2015 Apple Pay Apple Archived from the original on February 2 2020 Retrieved February 2 2020 Apple Pay Awareness Adoption Plateau According to First Annapolis Survey First Annapolis Archived from the original on March 1 2016 Retrieved February 26 2016 Apple Pay participating banks in Canada and the United States Apple Archived from the original on March 31 2017 Retrieved April 28 2016 Grubhub Adds Apple Pay To Food Delivery Apps Fortune June 2 2016 Archived from the original on June 3 2016 Retrieved June 3 2016 Russell Jon February 18 2016 Apple Pay Goes Live In China TechCrunch Archived from the original on July 6 2017 Retrieved July 8 2016 Rossignol Joe Latest Apple Pay Retailers Include LCBO and Former CurrentC Backers MacRumors Archived from the original on July 11 2016 Retrieved July 12 2016 Clover Juli Apple Pay Launching at Chick fil A on August 19 MacRumors Archived from the original on August 18 2016 Retrieved August 18 2016 Rossignol Joe Wayfair Will Support Apple Pay in Safari on iPhone iPad and Mac at Launch MacRumors Archived from the original on September 11 2016 Retrieved September 7 2016 TransLink rolls out tap to pay feature allowing credit card use at fare gates and on buses The Georgia Straight May 23 2018 Archived from the original on May 23 2018 Retrieved May 23 2018 Nick Statt July 31 2018 Apple Pay is coming to CVS and 7 Eleven later this year The Verge Archived from the original on August 5 2018 Retrieved August 5 2018 Apple Pay will work on NYC subways and buses starting May 31st engadget com Archived from the original on July 4 2020 Retrieved July 3 2020 Contactless Payment miamidade gov Archived from the original on December 15 2019 Retrieved December 29 2019 Detrixhe John February 11 2020 Apple Pay is on pace to account for 10 of all global card transactions Quartz Archived from the original on May 5 2020 Retrieved May 4 2020 Publix now offers contactless pay options Newsroom Publix Super Markets Archived from the original on April 17 2020 Retrieved April 10 2020 External links Edit Media related to Apple Pay at Wikimedia Commons Apple Pay official site Retrieved from https en wikipedia org w index php title Apple Pay amp oldid 1141905008, wikipedia, wiki, book, books, library,

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