What is Apple Pay
Apple Pay is a convenient mobile wallet payment system leveraging the Near Field Communications (NFC) radio on your Apple device to pay for your purchases at participating locations.
How to setup Apple Pay
All you'll need to do is add your credit card(s) to Apple Wallet. For easy-to-follow instructions, click on this link.
How to use Apple Pay
Whether you're paying for an overly-complicated coffee order at your favourite java joint or paying for gas, payment is simple.
Simply hold your phone over the eligible contactless reader of the the point of sales (POS) terminal after completing Face ID or Touch ID verification.
If your phone is locked, double-click on the home button or power button to wake it and access Apple Wallet to complete the transaction.
Is it safe to use Apple Pay
Absolutely. When you add your card to Apple Wallet, a unique Device Account number is assigned then encrypted and securely stored on the Secured Element, a dedicated chip on your iPhone, iPad or Apple Watch.
When you make a purchase, the unique Device Account Number and transaction specific security code is used in the transaction rather than your actual credit card number so your credit card information is never actually shared with the merchant.
Apple Pay also requires Face ID on newer devices or your unique fingerprint with Touch ID in order to work so only you can authorize payment.
Who can use Apple Pay
If you own one of the compatible devices, you're good to go!
Who supports Apple Pay
Click on this link for a list of financial institutions that support Apple Pay.