Compare credit cards that work with Apple Pay and start paying using your Apple iPhone or Apple Watch.
Apple Pay is a contactless mobile payment and digital wallet system for use in stores, within apps, or on websites when using the Safari browser. It converts a credit or debit card’s chip and PIN into a digital format and stores the information in an iPhone, iPad, Apple Watch, MacBook Pro or Mac desktop computer.
This allows the Apple device to communicate with contactless point of sale equipment in order to authorise a purchase, adding an extra level of security with either Touch ID (the user touching the device’s screen to enter a previously authenticated fingerprint) or a passcode.
Once your enabled credit card has been added to Apple Pay, you don’t need carry your credit card with you. You can just pay with your mobile device.
The benefits of using it are many, but the following three are perhaps these you would benefit from most in a day-to-day basis:
No. It depends who the card issuer is (i.e. which bank or financial institution) and which particular card you have. Some Australian banks have been slow to adopt Apple Pay, and ANZ is currently the only one of the Big Four banks to offer it. However, Apple Pay is also available with cards from American Express, and as a Visa or MasterCard from Macquarie Bank, HSBC, ING, and many smaller banks and credit unions.
You will need to add Apple Pay to each device on which you want to use it.
There may be slight variations in the set-up procedure depending on the bank issuing the card and your device type or model, but the basic steps are:
To set up Apple Pay on an Apple Watch, you will need to pair your compatible iPhone (iPhone 5 and later) with your Apple Watch. Then:
Yes. You should be able to load multiple cards (up to eight). You can also select one card as a default card if you wish.
As well as in-store payments you can also make purchases within apps on your phone, if you see an Apple Pay button on the screen.
Using an iPad, MacBook Pro or post-2011 Mac computer, you can pay on websites in Safari.
You can use Apple Pay wherever you see the normal contactless payment vector logo. Some stores also display the dedicated Apple Pay logo.
Apple Pay transactions use a specific number allocated to your mobile device, and a one-time transaction code. Your credit card details not stored on your device, or on Apple’s servers, and they are never shared with the merchant, making it not just more convenient but also more secure. Extra security is added by Touch ID, or a passcode when using an Apple Watch.
If you lose your device you can suspend Apple Pay by putting your device in ‘Lost Mode’, instead of having to cancel you card. If you don’t find your device (or if it’s stolen) you can permanently remove the card from the device. You can also phone your bank and ask them to suspend or remove your card from Apply Pay.
You can store your billing and shipping addresses, so that when you make a purchase with Apple Pay on a participating website, you don’t need to enter this information.
Apple says that you will soon be able to add your loyalty and rewards cards to the Apple Pay Wallet.
No. Many credit cards are enabled for Google Pay™ and for Samsung Pay as well as, or instead of, Apple Pay.