Apple Pay: How Does It Work?


It’s been one of the most prominent features Apple have pushed to their iDevices recently, but a lot of people still don’t get it. Apple Pay is a fast, easy way for you to make quick purchases, but you’d be forgiven for feeling a bit skeptical.

Regardless, the functionality is there, and it works. Whether you’re a hardcore shopper, or only go out at Christmas, there are a myriad of ways this tech can make your life easier. Here’s your one-stop guide to Apple Pay!


Mobile Payments Are Fast And Easy (image credit)

How do I set it up?

Firstly, and most obviously, you’ll need an Apple device. However, depending on that device, pay functionality is limited. Only those with an iPhone 6 or 6 Plus and later can use Apple Pay in stores and apps.

Those with an iPad Pro, iPad Air 2 or iPad Mini 3 or later can only use Apple Pay within apps. And, no matter your device, you’ll need to be located in the UK, Australia, Canada or U.S, with an iCloud account and a minimum of iOS 8.1.

Why do I want it?

Simply put, it streamlines all transactions. Everyone carries their phone with them, so if you leave your wallet at home or don’t want to open it, you can just scan your phone.

Business owners can also benefit from this, by offering customers more options and cutting down on transaction time. This will shorten queues significantly as well as increasing customer satisfaction. Sites like Payline Data can set you up with this tech no matter your business size, so it’s worth looking into.

How do I input payment details?

So, you’ve got a compatible device and you’re ready to go. You’ll also need a valid credit or debit card that you’ll use as payment.

From your device, open the Wallet app. Find the settings button, tap it, and click on Wallet and Apple Pay. If your card is already registered with iTunes, you’ll just need that cards security code. If not, simply input all your details, using the camera to snap a picture of the card, and hit the next button.

Your bank will verify your card, and if successful, you’re all set. Time to buy that novelty volcano-themed candle holder you’ve been eyeing up for months! If you’re struggling with the set up, check out this help directly from Apple.

How does it work?

Like most technologies, it’s fast. Otherwise, there’d be no point. You may as well pull a note out your wallet. You’ll need to check that the store accepts Apple Pay first, though. Just look for this symbol (on the left):


The Apple Pay Symbol (image credit)

Then, just make the magic happen! Hold your phone within an inch of the contactless machine, with your finger on the Touch ID button on the phone. You can switch between cards by not having your finger on Touch ID, and a card selection will pop up.

And you’ve now made a purchase. Congratulations! It’s a wonderful feeling that first time. Apple Pay is a simple way to have all payment details in one place, and it’s a method that more and more stores are adopting. Happy spending!


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