If you own an Apple device, you might have Apple Pay already in it. However, if you don’t, you can always download it from the App Store. It is a payment technology that you can use to perform contactless transactions with the help of your Apple devices like the iPhone or iPad. If you do not want to carry your debit and credit cards with you, you can easily use it and make a payment wherever you have to. You can pay with your device instead of cash and cards.
In this article, we will discuss what Apple Pay actually is and how it can be beneficial for you. Apart from that, we will also help you understand the way in which the app platform works. Furthermore, you will know how to download and use it as well. Finally, we will give you a brief idea of the places like retail stores and restaurants where you will be able to use it.
What Is Apple Pay?
It is basically a contactless payment technology that works like any other payment app. However, if you are a user of an Apple device, you will benefit a lot by performing contactless transactions easily. Furthermore, its pay system comes with some unique features that make financial transactions easy for you.
The setup is easy and simple. With just a few taps on your phone, you can easily use this paid app. According to the official website of Apple Pay, “Apple Pay is simple to set up. Just add your credit or debit card to the Wallet app on your iPhone and you’re ready to go. You still get all your card’s rewards and benefits — so you won’t miss out on any hard-earned points or miles.”
How Does Apple Pay Work With Banks?
Also, this app supports bank accounts, credit cards, and debit cards from almost every popular bank. Apart from that, when it comes to card providers, it supports Visa, American Express, as well as MasterCard, as these are the most popular card providers in the world.
When it comes to banks, most of them support and work easily with it. All you have to do is ensure that your internet banking facility is turned on with your account. By connecting your bank account with your phone number and your debit card number, you can easily make use of this pay. While connecting your bank account, you will find a complete list of all the banks that support the app.
Everyone knows how Apple tries to provide the best security to its customers with the help of its devices. One of the best things about this pay is that the transactions you make are extremely protected. According to official sources, “When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers. And when you pay, your card numbers are never shared by Apple with merchants.”
Download Apple Pay: How To Use Apple Pay?
In this section, you will know about how to set up the app. You will find it already installed on your iPhone/ iPad. However, if you do not have the app on your iPhone or iPad, you can download and install it by following the steps given below:
1. Go to the App Store on your iPhone.
2. On the search bar, type “Apple Pay.”
3. On the Apple Pay option, tap the install button. Hence, the application on your device will download in no time.
4. Come back to your list of apps on your iPhone/ iPad and tap on Apple Pay to use it.
Setting up it is also easy to perform. Furthermore, you will not have to offer any fees to connect your bank account and your cards with the payment app. Apple recommends, “Just add a credit, debit, or prepaid card to the Wallet app on your iPhone. And remember to add your cards to any other Apple devices you want to use with Apple Pay. It works on iPhone, Apple Watch, Mac, and iPad.”
Where Can You Use Apple Pay And Apple Pay Card?
Many people are not sure whether they can make use of this payment app in the various retail stores and restaurants they visit. Hence, they come with questions like – Does Costco take Apple Pay? Does McDonald’s take it?
The answer is, of course, they do. According to relevant official sources, “Apple Pay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you’re not sure, just ask. Apple Pay works anywhere that takes contactless payments — from vending machines and grocery stores to taxis and subway stations.”
Check for relevant symbols near the cash counters or checkout counters in retail stores, malls, shops, restaurants, etc. If you find this pay symbol near the counter, that means they support payment through it. Furthermore, even if you do not see the symbol, you can just ask the counter whether they accept payments through this app or not.
Is There A Spending Limit On The Payment App?
No, there is none. There is no spending limit on the app. And that is one of the major advantages that these users get above other contactless card payment apps.
According to the official website, “Apple Pay works right from your device, helping you avoid touching buttons and terminals, handling cards, and exchanging cash. So you keep your hands clean and are less likely to pick up — and spread — germs.”
Summing Up
Hope this article was helpful for you in giving you an idea of its various features and availability of it. If you are concerned about whether a particular store accepts payments through Apple Pay or not, you can look for related signs near the counter or just ask the people at the counter. Do you already use it? Let us know what you find the most useful about the app.
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