What Is Apple Pay?


I will thoroughly explain what is Apple Pay and I will tell you everything you need to know about it.

What Is Apple Pay?

What Is Apple Pay?


Apple Pay is Apple’s mobile payment and digital wallet service that gives users the ability to make payments in person, on the internet, and in iOS apps. Apple Pay is supported on the iPhone, iPad, Apple Watch, and Mac.


When Was Apple Pay Launched?


When Was Apple Pay Launched?

Apple Pay was launched on October 20, 2014, and it’s compatible with iPhone 6 and up. All the iPhones that are compatible with Apple Pay have an NFC chip built into them.


Apple Pay works in conjunction with the NFC chip to allow the user to make contactless payment transactions.


Apple Pay Is Not Compatible With Older iPhones But…


Apple Pay Is Not Compatible With Older iPhones

Even though the iPhone 5 line of iPhones is not compatible with Apple Pay you can use Apple Pay with the iPhone 5 if you have an Apple Watch and you sync them together.


This is possible because the Apple Watch has an NFC chip built into it.


If you have one of the newer iPhones you can also make payments with the Apple Watch so you will not have to take your phone out of your pocket.


Make One-Tap Purchases With Apple Pay:


Make One-Tap Purchases With Apple Pay


Apple Pay also gives you the ability to make one-tap purchases within supported apps. You can also do this on websites on devices running iOS 10 or macOS Sierra and up.


Devices that are compatible with Apple Pay on the internet or in iOS apps include the iPhone 6 and up, iPad Air 2 and up, iPad mini 3 and up, the iPad Pro models, and Macs with Touch ID.


These devices have Face ID or Touch ID and they have an NFC controller in which the “Secure Element” of Apple Pay is locked, which protects the user’s private information.


Apple approved peer-to-peer Apple Pay through the Messages app on the Apple Watch and the iPhone in 2017.


Apple gives you the ability to use Apple Cash to send and receive money from family and friends in the U.S.


In August 2019, Apple started offering its own credit card which it refers to as the “Apple Card” this card has some nice perks and it can be easily integrated with Apple Pay and the Wallet app.


Apple Pay Works Differently With Newer iPhones:


Apple Pay Works Differently With Newer iPhones

When the iPhone X was released in 2017, it was the first iPhone to feature Face ID (facial recognition) instead of Touch ID (fingerprint authentication).


If you have an iPhone X or a newer iPhone, when you make a purchase via Apple Pay, Face ID will be used to authenticate the payment.


Is Apple Pay Secure?


Yes, Apple Pay is secure, it uses a method known as tokenization, to transfer the funds, instead of sending your credit card information.


Payments are also secured via Touch ID and Face ID on compatible iPhones as well as constant skin contact on the Apple Watch.


Apple is trying to replace the Apple Wallet with Apple Pay because it’s much more convenient.


There’s no need to go into your wallet or purse to find your credit card/debit card when you can use Apple Pay instead because it’s a one-step payment process.


Who Accepts Apple Pay Near Me?


Who Accepts Apple Pay Near Me?


Due to the fact that Apple Pay was built on existing NFC technology, it works anywhere NFC contactless payments are accepted.


Here in the U.S. Apple Pay is accepted in over one million gas stations, restaurants, grocery stores, and more.


Some of Apple Pay’s supporters include Bloomingdales, Chevron, Best Buy, Disney, B&H Photo, Dunkin Donuts, McDonald’s, Jamba Juice, GameStop, Lucky, Kohl’s, Petco, Staples, Office Depot, Sprouts, Walgreens, KFC, Safeway, Trader Joe’s, Target, Costco, Whole Foods, Taco Bell, 7-11, and CVS just to name a few.


Apple Pay is supported in a number of countries around the globe which include:








Czech Republic



Faroe Islands







This is a partial list of countries, click here to see the full list of countries that support Apple Pay.


How To Setup Apple Pay:


Apple Pay is compatible with iOS 8.1 and up, but Apple Pay can also be set up in the Wallet App.


You can tap the “+” icon in the Apple Wallet to add your credit or debit card to Apple Pay. You will have the option of scanning one of your cards into the system or you can choose one that’s already on file with iTunes.


You can also set up Apple Pay by using the prompts while setting up a new iPhone, Mac, or iPad.


It will only take a few seconds for Apple to verify a credit or debit card, however, there are some cards that require an email, phone call, or app download for authentication purposes before adding the card to Apple Pay.


After the card has been verified, you can start using it immediately to make purchases, you can register up to eight cards at once with Apple Pay.


How To Manage Apple Pay:


How To Manage Apple Pay

Apple Pay can be easily managed in the Settings app which is located in the “Wallet and Apple Pay” section.


Every card that has been added to the Wallet is listed in this section, you will also find your phone number, email address, and billing address.


When you tap on a card you will receive information such as the last digits of the Device Account Number which replaces your card number in transactions.


Or the last digits of the card number as well as contact information for the bank that issued the card.


Some cards have the ability to display your transaction information, these cards will offer a list of your recent transactions. These are transactions that were made via Apple Pay or with a credit/debit card.


Now You Know About Apple Pay:


If you have any comments or questions about any of this information, please feel free to share them in the comment section below.



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