To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID. iPhone users authenticate by using Touch ID, Face ID, or passcode, whereas Apple Watch users authenticate by double-clicking a button on an unlocked device. To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader.
Users can also remotely halt the service on a lost phone via the Find My iPhone service. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code generated for each transaction". Technology Īpple Pay uses the EMV Payment Tokenisation Specification. The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and Apple Watch Series 1 and later. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.Īpple Pay can also be used to ride some public transport networks either through the use of credit/debit cards (open loop) (for example across TfL in London, SL in Stockholm, and at OMNY readers across New York City's subway and bus network) or dedicated travel cards such as JR East's Suica, the Chicago Transit Authority's Ventra, the San Francisco Bay Area's Clipper (closed loop) and Hong Kong’s Octopus Card. It adds two-factor authentication via Touch ID, Face ID, PIN, or passcode. It does not require Apple Pay-specific contactless payment terminals it can work with any merchant that accepts contactless payments. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It is supported on iPhone, Apple Watch, iPad, and Mac. that allows users to make payments in person, in iOS apps, and on the web. Macs supporting Handoff running macOS Sierra or later paired with an Apple Watch or iPhone 6 or newerĪpple Pay is a mobile payment service by Apple Inc. Macs based on Apple silicon paired with a Magic Keyboard with Touch ID Apple Watch paired with an iPhone, or Series 3 or newer with cellularĢ014 iPads ( Air 2, Mini 3) or newer with iOS 10 or later
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