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Apple Pay

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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.

The service 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. It’ss compatible with all iPhones from 6/6 Plus and and beyond, and all versions of Apple Watch.

In apps, it 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 iPads from the iPad mini 3 and Air 2 and beyond. Apple Pay is supported on the Mac and on the web with iOS 10 and macOS Sierra and beyond.

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 11 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

Apple Pay is available in the following countries (click the country name to see compatible banks):

Australia

China*

Hong Kong

Japan

Kazakhstan

New Zealand

Singapore

Taiwan

Belgium

Czech Republic

Denmark

Finland

France

Germany

Guernsey

Ireland

Isle of Man

Italy

Jersey

Monaco

Norway

Poland

Russia

San Marino

Spain

Sweden

Switzerland

Ukraine

United Kingdom

Vatican City

Brazil

Saudi Arabia

United Arab Emirates

Canada

The United States

Interview: Tim Cook says Apple’s aim is a cashless society; working to boost the role of AI

Tim Cook has told the Nikkei Asian Review that the company hopes that Apple Pay will help to bring about a cashless society. The statement was made a month before the iPhone 7 becomes the first iPhone to support FeliCa, the contactless payment standard used in Japan.

We would like to be a catalyst for taking cash out of the system. We don’t think the consumer particularly likes cash.

Cook also spoke rather mysteriously about the work that will be performed by the R&D center the company is building in Yokohama, expected to open in March …


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Apple Pay has officially gone live in New Zealand

Apple Pay has been slowly making its way across the world, and today it’s officially rolling out in New Zealand. Customers of ANZ are receiving emails now explaining that it is available to them, and readers are able to configure their cards within the Wallet app. This now marks the tenth country where Apple Pay is available, alongside Australia, Canada, China, France, Hong Kong, Russia, Singapore, Switzerland, UK, and the US.


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How-To: Use Apple Pay on the web with Safari in iOS 10 and macOS Sierra

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Thanks to macOS Sierra and iOS 10, you can now use Apple Pay on the web through Safari. Apple Pay was previously not available on the Mac and required apps for use on the iPhone and iPad. Apple Pay makes checking out online secure and convenient without the need to fill out billing and shipping information with an online form. Here’s how to get started with Apple Pay on the web:


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Apple Pay launches in 10th country as it goes live in Russia (& adds two more UK banks)

Apple Pay has now notched up ten countries as it goes live in Russia today. The country joins Australia, Canada, China, France, Hong Kong, Singapore, Switzerland, the UK and U.S. in supporting Apple’s mobile wallet service.

The launch was marked on Apple’s Russian website, though the company has yet to update the Apple Pay availability page of its U.S. site.

Support in Russia is currently limited to one bank and one card type …


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Apple Pay reportedly coming to Taiwan’s four big banks as soon as this year

Sunset over Taiwan’s capital, Taipei

A brief Digitimes report suggests that Taiwan is one of the next countries in line to get Apple Pay, possibly by the end of the year.

Taiwan’s Financial Supervisory Commission has started accepting applications from banks for providing Apple Pay mobile payment services and Taiwan users will be able to apply for using Apply Pay at the end of 2016 at the earliest.

Four banks are expected to support the service …


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Apple formally responds on Australian banks’ Apple Pay demands, says doubly harmful

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A month after Australian banks demanded the right to have their own apps access the NFC chip used for Apple Pay, Apple has issued a formal response to the Australian Competition and Consumer Commission (ACCC). The company argues that giving Australian banks what they want would be doubly harmful to consumers.

A fortnight ago, the ACCC denied the banks an interim ruling, but said that it would be considering the matter more fully.

Apple initially dismissed the idea on security grounds, also claiming that the banks were acting as an illegal cartel. It has now made a 21-page formal submission to the competition authorities, explaining the two additional reasons it believes such a move would be detrimental to the interests of consumers …


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Comment: One-time codes are the Apple Pay secret weapon that’s just a little too secret

Much has been written about the convenience of Apple Pay, especially on an Apple Watch. Instead of reaching into your pocket or bag for your wallet, and extracting the card you want to use, you can simply double-click the side button on the Watch and hold out your wrist.

But there’s one aspect of Apple Pay that I’ve always felt fails to get the full attention it deserves: the fact that it never hands over your card details to retailers. Even on Apple’s own microsite, the feature is buried in a paragraph whose heading is about the use of fingerprints.

Yet the list of major chains who have seen customer card details compromised is virtually a Who’s Who of retailing and the hotel trade. Acer, Carphone WarehouseCVS Photo, Eddie BauerHiltonHome Depot, K-Mart, Marriott HotelsMichaels, Neiman Marcus, P.F. Chang’s, Staples, Starwood HotelsSuperValu, TargetTrump Hotels and Wendy’s. That’s even before we get into the Oracle hack that may have exposed almost every US credit card … 


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Australian banks denied interim decision over Apple Pay dispute, ruling expected in October

The Australian banks have been denied permission to act as a monopolistic cartel in the country, preventing them from negotiating collectively with Apple over Apple Pay terms for the time being as reported by Reuters. Australian banks are resisting adoption of Apple’s mobile payment solution (available in iPhone 6 and iPhone 6s), referring to hefty fees and loss of customer control.

Apple says that the banks are being anti-competitive by blocking the introduction of innovative payment technologies like Apple Pay. The banks want to force Apple to open up the NFC chip to third-party developers, which Apple says would cripple the security standards of its platform.


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Despite anti-Apple tirades, Apple Pay will be available at Kanye West’s pop up shops this weekend

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Not one to shy away from the spotlight, Kanye West has announced that this weekend he’ll be opening up 21 pop shops around the world, some of which will be exclusively accepting Apple Pay thanks to a partnership with Square. Square’s contactless readers will be available in the U.S., Canada, and Australia so that customers can focus on paying for their items as quickly as possible. West claimed that the last pop-up shop had generated $2 million in sales in New York City alone, so a high revenue weekend like this could be great exposure for Square’s technology.


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Apple says opening up iPhone NFC would ‘fundamentally diminish’ security as Australian banks resist Apple Pay

Apple has made a formal complaint to the Australian Competition and Consumer Commission in response to resistance from Australian financial institutions to adopt Apple Pay. Apple says the country’s three largest banks have formed a monopolistic cartel and are collectively dictating terms of new payment business models, like Apple Pay.

It also rejected the request from banks to let them have access to the NFC radio and create alternate contactless payment systems on top of the iPhone. Apple says doing so would compromise the security of its platform as it mandates very high standards when customers make payments on Apple systems.


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Australian banks demand access to NFC chip on iPhone to better compete with Apple Pay

Australia’s three biggest banks are claiming that Apple is in breach of antitrust laws by not allowing third-party mobile payment apps to use the NFC chip used by Apple Pay for contactless payment.

Reuters reports that the banks have initially requested permission from regulators to jointly negotiate with Apple – ironically, because they might themselves be in breach of antitrust laws if they clubbed together to negotiate without clearance to do so …


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