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Apple Pay Development

What is Apply Pay? How Apple Passbook works with Apple pay?

Apple has always brought revolutionary products at each release. Now with the introduction of the new IOS, there have been exciting announcements of the new iPhone and apple watch. The most impressive and potentially game changer is the new apple pay system. The use of mobile wallets has been on a rise since a number of companies offered the option of digital payments. The default inclusion of passbook by apple is an indication of the importance apple gives to digital payment methods. The passbook was a step in the right direction supported by a number of large enterprises, but it failed to create the large impact as was expected. With apple pay the whole payment method has been revamped with new features and the most simple and user-friendly method ever introduced.

Passbook was a glimpse of the future and apple pay is a solid step ahead. Combining apple pay and passbook adds security and applicability to digital payments and creates an environment where the digital cards or contemporary wallets seem redundant. Supported by thousands of apps and thousands of stores worldwide, the stage is set for digital payments to take the forefront.

When and where is Apple Pay available?

Apple Pay is initially only available in the US. It debuted on 20 October 2014.

Which devices work with Apple Pay?

Apple Pay works with iPhone 6, iPhone 6 Plus, and Apple Watch (paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus).

Which banks and cards support Apple Pay?

Apple Pay supports most major credit and debit cards providers and US banks.
It works with Visa, MasterCard, and American Express cards from financial institutions (like American Express, Bank of America, Capital One, Chase, Citi, and Wells Fargo). Other companies adding support soon include Barclays, USAA, Navy Federal Credit Union, PNC, and US Bank.

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How do Passbook and Apple Pay work together?

(1) iPhone

  • You need to use Apple’s Passbook app to setup Apple Play…or rather store your credit cards and debit cards. Apple Pay pulls this data to pay for goods.
  • You can add your credit card and debit card data from your iTunesaccount by entering the cards’ security codes. Passbooks for iPhone will further let you use your iSight camera to instantly capture and then add card information. You can still enter card information manually, if you desire. Passbook also lets you store boarding passes, tickets, coupons, and more.
  • Keep in mind the first card you add becomes the default payment card. Use Settings within the Passbook app to pay with a different card or select a new default card.

(2) Watch

  • Watch also uses Passbook.
  • Passbook for Apple Watch works just like the Passbook app for iPhone: it not only keeps your tickets, boarding passes, and loyalty cards in one place, it also lets you securely store and use your credit and debit cards.

How do you use Apple Pay?

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(1) IPhone

  • Apple Pay requires the Near Field Communication antenna and Touch ID on iPhone 6.
  • To pay at checkout, just hold your iPhone near a contactless reader with your finger on Touch ID. Apple said you wouldn’t have to look at your iPhone’s screen, because a subtle vibration and beep will confirm that you paid correctly. There’s also no need to open an app or wake your iPhone’s display.
  • In Pocket-lint’s hands-on, we found that your fingerprint confirms the payment, or you could enter a passcode if you haven’t setup Touch ID. Once approved, a receipt is recorded in the Passbook app so you can see what you’ve purchased.

(2) Watch

  • Apple Pay for Watch will be ready when Watch launches in early 2015.
  • To pay at checkout, double-click the button below the Digital Crown on Watch while also holding the face of Watch near a contactless reader. Similar to Apple Pay for iPhone, a pulse and beep will confirm that your payment information sent correctly.

(3) Apps

  • Apple said iPhone apps can also integrate with Apple Pay, meaning you will be able to select Apple Pay at checkout when ordering anything from an app. You also still need to place your finger on Touch ID when paying.
  • Some of the apps that currently support Apple Pay include: Groupon, MLB, OpenTable, Panera, Sephora, Starbucks, Target, Ticket.scom, and Uber.

Is Apple Pay secure?

Yes. Apple said it doesn’t save your transaction information or card numbers on its servers, though your most recent purchases are kept in thePassbook app.
Apple Pay, which has a tokenized backend infrastructure, makes card payments secure by creating a number or token that replaces your card details. More specifically, it creates a Device Account Number for each one of your cards.
According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch, and when a payment is initiated, the token is passed to the retailer or merchant. The retailer or merchant therefore never has direct access to your card details.

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