Apple Pay is Apple’s mobile payments solution that allows users to seamlessly use their phone to pay for purchases both in retail stores, apps, and the web. The service was first introduced in 2014 and has been expanding to additional countries ever since then.
Apple Pay is currently available in Australia, Canada, Mainland China, France, Hong Kong, Ireland, Italy, Japan, New Zealand, Russia, Singapore, Spain, Switzerland, the UK, the U.S., and Taiwan.
Apple Pay works in retail stores by simply holding your iPhone over a compatible checkout terminal and authenticating the purchase via Touch ID, or your Apple Watch with no further authentication required once you have unlocked the Watch. Apple Pay is compatible with the iPhone 6/6 Plus, iPhone 6s/6s Plus, iPhone SE, iPhone 7/7 Plus, and Apple Watch.
In apps, Apple Pay works by pulling in your card information and seamlessly allowing you to checkout using that card information. This prevents you from having to manually enter your card information every time you want to make a purchase. In addition to working with all of the iPhone models previously mentioned, Apple Pay in apps also works on the iPad Pro, iPad Air 2, iPad mini 3, and iPad mini 4. Apple Pay is supported on the Mac and on the web with iOS 10 and macOS Sierra.
In addition to working with debit and credit cards, Apple Pay also works with rewards cards and store cards. This means that you can add something like your Starbucks card, Walgreens Balance Rewards card, and more to the Wallet app to easily keep track of everything.
To set up Apple Pay on an iPhone, open the Wallet app on iOS 10 and tap the plus (+) icon in the top right corner to begin, then follow the prompts. To add a debit card to the Apple Watch, go to the Apple Watch app on iPhone and look for the Wallet & Apple Pay section, then Add Credit or Debit Card section.
Apple Pay is the dominant mobile payments solution, even forcing its biggest potential competitor to shutdown, and as the service continues to expand, it will only get better. View the full list of retailers and banks that support the service on Apple’s website