What is Apple Pay?

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Apple said Apple Pay is a replacement of wallet for payment, which can be used by a single touch, meaning not need to type password or card number. Apple Pay could only be used at iPhone 6, iPhone 6 Plus and Apple Watch at the current time.

 

How to use

It can be used by one touch to pay with Touch ID. Now paying in stores happens in one natural motion — there’s no need to open an app or even wake the iPhone display. It works by Near Field Communication antenna in iPhone 6. To pay, user need to hold iPhone near the contactless reader with finger on Touch ID.  User can pay with Apple Watch — just double-click the button below the Digital Crown and hold the face of Apple Watch near the contactless reader. A gentle pulse and beep confirm that payment information was sent. On iPhone, User can also use Apple Pay to pay with a single touch in apps. Checking out is as easy as selecting “Apple Pay” and placing user’s finger on Touch ID.

 

How to setup

Passbook apps in iPhone already stores user’s boarding passes, tickets, coupons, and more. Now it can store credit and debit cards, too. To get started, User can add the credit or debit card from his iTunes account to Passbook by simply entering the card security code. To add a new card on iPhone, user need to use iSight camera to instantly capture card information. Or simply type it in manually. The first card he add automatically becomes his default payment card, but he can go to Passbook any time to pay with a different card or select a new default in Settings.

 

Security

With Apple Pay, instead of using actual credit and debit card numbers when added card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. These numbers are never stored on Apple servers. And when making a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process payment. So actual credit or debit card numbers are never shared with merchants or transmitted with payment. If iPhone is ever lost or stolen, ower can use Find My iPhone to quickly put his device in Lost Mode so nothing is accessible, or owner can wipe his iPhone clean completely. Apple said the phone doesn’t save any transaction information. The payments are private. Apple doesn’t store the details of transactions so they can’t be tied back to user.  The most recent purchases are kept in Passbook for user convenience, but that’s as far as it goes.

 

Apple Pay work with VISA, MasterCard and American Express and participating banks include American Express, Bak of America, CapitalOne, Chase, Citi, Wells Fargo and 5 more banks are coming soon.

 

Where to use

Apple Pay can be use in more than 220,000 stores which are branches and stores of Nike, Disney and 13 others. Apple is connecting with more. Apple Pay can also be used in other apps such as Groupon, MLB.com, etc.

 

Will it work in Myanmar?

It will work in Myanmar when the stores which connect with Apple comes Myanmar and when Myanmar people are allowed to use international payment cards such as MasterCard and Visa Card. So the question is when Apple and other international stores will enter Myanmar. Apple Pay is interesting and it can really replace wallets. Let’s see our future!