The Scoop on Apple Pay

Posted June 1st, 2018

Can you believe Apple Pay has been a thing since 2014? Despite being four years old, some people are still nervous to jump on the Apple Pay train. Why is that? Maybe it's deemed unnecessary or, of course, some people are Android users. But what if it's just the fear of the unknown?

Well if it's the latter, we are here to help! We've got the scoop on this easy to use mobile payment service.

Wait... first, tell me what it is

Of course! Apple Pay is a mobile payment service for Apple users (iPhone, Apple watch, iPad, Mac). With Apple Pay, users can store up to eight credit and debit cards as well as loyalty cards, coupons, boarding passes, and more. Once the cards are stored in the device, touch ID or face recognition can be used to pay for almost anything with the click of a button or the tap of a screen. Users can also pay friends and family with Apple Pay through text messages or by asking Siri.

That sounds kind of risky

Don't worry - according to Apple, it's completely secure! Apple Pay is a tokenized system just like the chips in credit cards. Apple Pay creates a number or a "token" for each card. This token replaces all your card details, so those are never stored. When making a purchase, Apple Pay passes along that token information rather than your card information. The vendor never even sees your card numbers.

Okay, tell me more...

Apple Pay can be used at any register with at least one of two symbols (shown below): the apple pay symbol or the NFC (near field communication) symbol. If a place accepts chipped credit cards, it will most likely have Apple Pay capabilities.

Apple Pay connects with most major credit and debit cards including VISA, Discover, MasterCard and American Express. However, not all financial institutions participate. You can find a complete list here. Fortunately, DECU is a participating credit union!

Apple Pay icon

Apple Pay icon


But how do I do it?

First, you need to set up the service. To do that on an iPhone or iPad, open the wallet app. Tap "add credit or debit" and enter your information. Once entered, your financial institution will need to verify your account. You may need to provide extra verification by calling. This is common if you use a different name or email address for iTunes than you do at your bank or credit union. Once everything is verified, you are good to go!

Setting up Apple Pay on your watch is a bit different, but just as easy. Simply open the watch app on your iPhone. Go to "my watch" and tap "wallet and Apple Pay." Once you choose the card you want to use, you are free to start paying with your watch.

Once set up, Apple Pay is easy to use. If you have the iPhone 6 or later, all you need to do is hold your phone up to the card reader with your finger on the touch ID (you don't have to actually press the button). Once the payment is approved, you'll feel a small vibration. If you don't have touch ID set up you can enter your pass code.

For iPhone X users, it's slightly different. To begin, double click the sleep/wake button on the side of the phone. The phone will ask for your face recognition, then you can hold the phone to the card reader. Once the payment is approved, you'll feel a small vibration. After purchases, the receipt is stored in your wallet app.

Just like the set up, paying with the Apple watch is a different process. At checkout, double click the watch button below the Digital Crown while holding the watch face near the card reader. Again, you'll feel a small vibration to indicate the purchase went through.

Are you feeling confident enough to give Apple Pay a try? We hope so! If not, you can always check out our FAQs for more answers and information.

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