Technology

What Is Apple Pay and Who Takes It: An Essential Guide

<p style&equals;"text-align&colon; justify&semi;">One of the best new services that <a href&equals;"https&colon;&sol;&sol;newsforpublic&period;com&sol;apple-ipad-mini-5-set-larger-version-apple-iphone-7&sol;">Apple<&sol;a> has developed is Apple Pay&period; This is a quick way for consumers to make digital payments to vendors&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">If you are an Apple user and  but have not taken advantage of Apple Pay&comma; you&&num;8217&semi;re missing out on a great service&period; If you are high risk merchant and getting problem in high risk merchant account processing&comma; Apple pay is best for you&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Are you wondering how does Apple Pay work and how to set it up&quest; We&&num;8217&semi;ve put together this detailed guide to help you out&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">The Guide to Apple Pay<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Apple Pay is a mobile payment solution where users can save credit cards and debit cards to a Wallet app&period; There are also ways to pay person-to-person using the iMessage application because of the Apple Pay service&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">It has revolutionized the way we can pay for products and services&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Here&&num;8217&semi;s what you need to know about how to use Apple Pay&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">Do Your Cards Work&quest;<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Not all <a href&equals;"https&colon;&sol;&sol;newsforpublic&period;com&sol;everything-need-know-business-credit-cards&sol;">credit cards<&sol;a> and debit cards work with Apple Pay&period; Luckily&comma; as Apple Pay is becoming more popular&comma; there are more cards and banks that are available on the service&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Whenever you add your card to the Wallet app&comma; the card issuer will provide a unique digital card number that gets saved to your account&period; This means that when you make a payment&comma; the vendor doesn&&num;8217&semi;t see your actual card number&period;<&sol;p>&NewLine;<h2>How It Works<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Once your Wallet is set up with your cards&comma; you have to access the Wallet app to make a payment to a vendor&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">You have to then use the Touch ID feature to make your payment&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">When your iPhone is locked&comma; press and hold the Touch ID sensor&period; Your iPhone will show the default card that you have assigned for Apple Pay&period; If you keep the Touch ID sensor pressed&comma; the card will eventually be charged for the payment&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">This happens when you are pointing your iPhone to the Apple Pay sensor that your vendor has&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">If you don&&num;8217&semi;t wish to use the default card&comma; then within the Apple Pay app&comma; you can easily switch to a new card and authenticate its use&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">When the payment is processed&comma; a unique one-time card number is sent to the vendor&period; If the vendor ever has their data breached&comma; then only this artificial number will be seen&period; Your actual card number will not be stolen&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">This is one of the main reasons why Apple Pay has caught on so well&period; It offers a much more secure option than paying directly with your card&period;<&sol;p>&NewLine;<h2>How Your Payment Information Remains Secure<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">So how does Apple Pay make sure that your payment information remains secure&quest;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">First&comma; you add your card to the Wallet&comma; as we discussed&period; Once the digital payment card number is stored on a chip&period; This chip is available on all the latest iPhone&comma; iPad&comma; and Apple Watch models&period; This chip is called the Secure Element&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">The Secure Element keeps the numbers stored securely&period; It encrypts the numbers and any associated data and prevents hackers from accessing your chip&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">If you access the Find My iPhone section of your iCloud account&comma; you can unregister your cards from your Apple Pay account&period; You can also completely disable the feature from your Apple device&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Apple is always working to improve the security features for its payment service&period;<&sol;p>&NewLine;<h2>How It Helps Small Businesses<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">It&&num;8217&semi;s no surprise that Apple Pay is greatly helping small businesses&period; By adopting Apple Pay&comma; small businesses are offering a new and popular option for consumers to pay&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">It&&num;8217&semi;s relatively simple to start using Apple Pay in your place of business&period; If you already have a <a href&equals;"https&colon;&sol;&sol;newsforpublic&period;com&sol;car-wash-pos-system&sol;">POS system<&sol;a>&comma; you might be able to accept Apple Pay&period; You can also purchase card readers and other POS systems that work with Apple Pay at an affordable price&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">NFC-style readers are also another option&period; These are the readers that accept chip cards and can also accept electronic payments from smartphones&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Apple is also here to help if you begin to offer Apple Pay&period; Apple will help you promote that you offer Apple Pay as a payment option&period; There are a few ways that you can promote that you offer Apple Pay&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">You can specify that your business accepts Apple Pay using the Maps Connect portal&period; This is a portal within the Apple Maps app where you can list your business&period; You can also get a free Apple Pay sticker that you can display in your store&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">As your business grows&comma; there are plenty of opportunities for you to attract more customers by using Apple Pay&period; There are different credit card and payment authorization services such as Authorize&period;net&comma; Bank of America&&num;8217&semi;s merchant services&comma; Shopify&comma; Stripe&comma; WePay&comma; and many more&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">You are likely to notice that if you adopt Apple Pay&comma; you will find more customers coming in&period; You may even notice an increase in your sales&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">Apple Card<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">There&&num;8217&semi;s also a new feature from Apple Pay called the Apple Card&period; This is a credit card offered by Apple — with a partnership through Goldman Sachs&period; This is a titanium card that works like a regular credit card&period; It also offers a high level of privacy&comma; such as Apple Pay does&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">This card is especially great for Apple purchases&period; For example&comma; you will receive a 3&percnt; cashback on Apple purchases&comma; such as in the iTunes store&period; You can choose to have the cashback to be transferred to your Apple Card or your Apple Pay account&period; If you choose the latter&comma; you can use the cashback as payment through Apple Pay&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">You can also use the Apple Card at any physical store just as you would use another credit card&period; As a consumer&comma; you may wish to consider using the Apple Pay feature as well as an Apple Card&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">Jump on Apple Pay<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Now that you know the benefits of Apple Pay&comma; we recommend that you give it a try&period; Whether using it as a consumer or setting up a payment option at your place of business&comma; we know you&&num;8217&semi;ll love what Apple Pay has to offer&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Be sure to keep exploring our site for great content on technology and more&excl;<&sol;p>&NewLine;

Hardik Patel

Hardik Patel is a Digital Marketing Consultant and professional Blogger. He has 16+ years experience in SEO, SMO, SEM, Online reputation management, Affiliated Marketing and Content Marketing.

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