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All You Need to Know About Apple Pay
It won't be long until you can use your Apple device to pay for stuff as Apple Pay is heading to the UK in July. Apple Pay will be available to iPhone 6, 6 Plus and Apple Watch users. Here's all you need to know.
The Apple Pay system will work in a similar way to the contactless card payments we are already familiar with in the UK but instead of waving your bank card at a card reader, all you need is your iPhone or Apple Watch. Using contactless payment technology, money is taken when you hold your iPhone 6 or 6 Plus close to the reader whilst holding down the Touch ID sensor. With an Apple Watch, a double click on the button on the side and putting the face of the watch near to the reader will take payment. Both the iPhone and Apple Watch will vibrate to confirm the transaction.
The majority of the main UK banks will be set up to process Apple Pay payments when it launches over here, Barclays is the prime exception as talks are ongoing. A handful of other banks such as Lloyds Bank and Bank of Scotland will be ready later this year. Providing you have a credit or debit card with a compatible bank then card details can be put into the Apple Pay app which can be found in Passbook (soon to be renamed Wallet with iOS 9).
It's estimated that a quarter of a million retailers and businesses will be able to facilitate the Apple Pay service in the UK initially. Popular food and restaurant chains such as Nando's, McDonald's and Pret a Manager will be on board and Apple Pay can be used across the Transport for London network to pay for tickets and travel. When Apple Pay is launched in the UK, a maximum payment of £20 can be made per transaction, this will increase to £30 in September this year. This is in-line with limits on other contactless payments for security and fraud purposes.
As well as using Apple Pay in stores, it can also be used to make in-app purchases. In addition to the iPhone 6 and 6 Plus, the latest iPad Air 2 and iPad Mini 3 are compatible with Apple Pay app transactions so payments can be made using apps from companies including Topshop, Ocado, Argos and EasyJet.
So what do you think? Will you be using Apple Pay?