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To keep transactions secure, Apple uses a method known as " tokenization," preventing actual credit card numbers from being sent over the air.

Facial scans rather than fingerprint scans are used to confirm payments. Apple in August also introduced its own credit card, the Apple Card, which has unique perks and benefits and offers deep integration with Apple Pay and the Wallet app.Īpple Pay has seen a major change with the introduction of the iPhone X and later as these iPhones feature Face ID facial recognition instead of Touch ID fingerprint authentication. Using Apple Cash, you can send money to friends or family in the United States. In 2017, Apple enabled person-to-person Apple Pay payments through the Messages app on the iPhone and Apple Watch. All of these devices feature Touch ID or Face ID and contain an NFC controller where the "Secure Element" of Apple Pay is located, keeping customer information private. Devices capable of using Apple Pay within iOS apps or on the web include the iPhone 6 and later, iPad Air 2 and later, iPad mini 3 and later, iPad Pro models, and Macs with Touch ID.

As with the Apple Watch, Apple has adopted the Apple symbol "" followed by "Pay" for the service's name, though the company also refers to it as "Apple Pay."Īvailable since October 20, 2014, Apple Pay is designed to allow iPhone, iPad, Mac, and Apple Watch users in the United States, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russia, China, Macau, Japan, New Zealand, Spain, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, UAE, Brazil, Ukraine, Norway, Poland, Belgium, Kazakhstan, Germany, Saudi Arabia, South Africa, Austria, the Czech Republic, Iceland, Hungary, Luxembourg, The Netherlands, Bulgaria, Croatia, Georgia, Cyprus, Estonia, Greece, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Romania, Slovakia, Slovenia, Belarus, Serbia, Mexico, Israel, Qatar, Chile, Bahrain, Palestine, Azerbaijan, Costa Rica, Colombia, Argentina, Peru, Moldova, and South Korea to make payments for goods and services with their iPhones in retail stores using an NFC chip built into their iPhones.Īpple Pay also lets users make one-tap purchases within apps that have adopted the Apple Pay API, and it is available on the web on devices running iOS 10 or macOS Sierra or later.

Apple Pay is Apple's mobile payments service.