Apple Pay Review

Our Score: 8.9

9.5

Customer Support

9.4

Authentication

9.3

Payment Technology

9.4

Reliability

01
What is Apple Pay?

Introduction

Created by Apple Inc. in 2014, Apple Pay is a digital payment system and mobile wallet service. The service enables you to purchase goods and services without the presence of physical cards. It provides convenience, security, and privacy whether you use it online, in a shop, or money transfer transactions.

Apple Pay logo
Apple Pay logo
Ready to open an account with Apple Pay? The first step is to register in order to get started!

Pros

  • Compatible with major banks
  • Convenient to use
  • Provide privacy and security in every transaction
  • Less risk of card lost
  • No internet connection required

Cons

  • Only accessible with Apple devices
  • Not present in all stores

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02
What Are the Account Types?

Account

Through Apple Pay, you can purchase in stores, on websites, or in apps with your iPhone, Apple Watch, Mac, or iPad. You can also transfer and receive money using your Apple device.

To create your account, you need these items:

Ready to open an account with Apple Pay? The first step is to register in order to get started!

03
How to Use the Apple Pay App?

App

Apple Pay is the safe way to pay, and the Apple Wallet is where you link and store your debit or credit cards to use with Apple Pay.

The Wallet app allows you to:


The Wallet app maximizes the privacy and security features built into the iPhone, intended to keep and protect your identity. For every purchase, Apple Pay gives you a unique transaction code. Your card number is not shared with a merchant or even stored on Apple servers.

Furthermore, when using it, you don't need to bring your physical cards or use many touch buttons in stores as you can transact with one touch.

Ready to open an account with Apple Pay? The first step is to register in order to get started!

04
How to Sign-in?

Login

When you choose Apple Pay as a payment option, you can pay online in Safari or within an application. You have to enter your billing, shipping, and contact information if necessary. You won't have to enter that information again because Apple Pay saves it. You can view your account balance as well as the Privacy Policy and Terms & Conditions. A cellular or Wi-Fi connection is required to ensure that your credit is current. You can view family members eligible for Apple Cash Family if you're a member of a Family Sharing group.

Ready to open an account with Apple Pay? The first step is to register in order to get started!

05
What Are Apple Pay's Features?

Digital Wallet Features

For convenient transactions, Apple Pay allows you to enjoy the following features:


From the comfort of your Apple device, you can quickly and securely make online transactions and get notified when done successfully. You can swiftly pay and verify your shipping details by utilizing Face ID, Touch ID, or double-clicking your Apple Watch when shopping online.

You will need to determine the apps and websites that accept Apple Pay. If it shows a logo and a button that you can tap to bring up a payment sheet then it will display the linked credit or debit card, the amount, and shipping details. You can make any necessary changes before authorizing payment and completing the transaction.

Paying with one touch allows you to avoid long checkout lines. You can use it to get a drink at your favorite shop or vending machines, and you can use it in grocery stores or even in taxis and subway stations. Additionally, you can subscribe to various Apple services like Apple Music and Apple TV, purchase apps and games from the App Store, and upgrade your device storage.

Ready to open an account with Apple Pay? The first step is to register in order to get started!

06
What Are Apple Pay's Fees?

Fees

Apple Card wants it to be easy to pay off your balance. As a result, there are no fees associated with the Apple Card. Their objective is to offer the lowest interest rates in the industry.

The Apple Card is one of the several cards on the market with no fees. There are no annual or foreign transaction fees and no late payment penalties. However, if you do not pay your debts in full each month, you may undergo interest charges. So if you utilize it to spend on large-ticket items, such as a new iPhone, you'll want to pay the balance in full to avoid incurring interest.

Ready to open an account with Apple Pay? The first step is to register in order to get started!

07
How to Contact Apple Pay?

Customer Support

The latest discussions of other users are available on their Apple Pay support website. It is posted under three categories - setting up an account, using Apple Pay in stores, and within apps. You can read the comments and replies of various subscribers and get ideas on solving problems you encounter.

In addition, they have a search bar on their website for you to input specific questions and find related articles or answers.

To do that, you can visit the Apple Pay Support page at support.apple.com/apple-pay, tap on "Using Apple Pay", scroll down and look for "Contact Apple Support". You will be directed to a Get Support page wherein you have to choose the product you’re having trouble with and pick a topic. After that, you’ll see options to get in touch with Apple support with the waiting time displayed. Once you’ve chosen between chat or call sessions, you’ll have to enter your serial number or Apple ID to proceed with the assistance.

We noticed that the community discussions, self-help instructions, manuals, technical articles, and search options are helpful for common issues. On the other hand, a consultation with their support representative is still the best option for complex matters.


08
The Bottom Line

Conclusion

You can use Apple Pay to purchase online or via an app from a merchant that accepts this payment method. It also lets you send and receive money via messaging from other users.

Apple Pay is a highly secure payment method. It is because your card numbers are not kept on your device and are not shared or sent with your payment. Instead, it assigns you a one-of-a-kind Device Account Number, which is encrypted and saved in a safe location on your iPhone, iPad, or Apple Watch. When you use Apple Pay, your payment is processed using your unique number and a generated one-time-use encrypted code called the tokenization mechanism.

Ready to open an account with Apple Pay? The first step is to register in order to get started!