Instructions for contactless payment using an iPhone instead of a bank card. How to pay with Apple Pay? iPhones that support Apple Pay How to tap your phone to pay for apple

Now you can pay for your purchases in stores using your iPhone instead of using plastic! The Apple Pay service first launched in 2014 in the United States, when the iPhone 6 was introduced. Two years later, it also launched in Russia. He took on the role of the discoverer. A month later, other popular banks in Russia took up the baton, including. How does this technology work?

Apple Pay features

Apple Pay is a contactless payment technology that is implemented in Apple company gadgets. The possibilities of such payment are that you can no longer carry plastic cards with you, but simply connect all the cards to your smartphone and make purchases. To make a payment, the buyer needs to bring his mobile device - a smartphone or smart watch - to a special terminal and after a couple of seconds the operation will receive confirmation. Apple Pay was officially launched in Russia on October 4, 2016.

This article provides instructions on how to pay with an iPhone instead of a bank card, and provides information on setting up other Apple products.

Supported devices

Contactless payments at retail outlets and online via Apple Pay are available on the following devices:

• iPhone SE;
• iPhone 6, 6 Plus and 6s;
• iPhone 7, 7 Plus;
• both generations of Apple Watch;
• Macbook Pro 2016;
• iPad latest versions.

It is also worth noting that the service is supported by smartphones of the fifth series. Payments using them are only possible with the additional use of a smartwatch, since models in this series are not equipped with NFC chips.

In addition, through Apple Pay you can pay for purchases on the Internet using an iPad (Air 2, Pro, mini 3 and other models of the latest generations) and Mac computers synchronized with an iPhone or smart watch with the macOS Sierra operating system on board.

Supported Banks

The system was launched in Russia in . At the first stages of implementation, linking to the service is available only to Sberbank clients - owners of MasterCard credit and debit cards. At the same time, a number of other Russian banks participated in preliminary testing of the system:

Apple smartphone

Open Wallet on your smartphone:

1. Go to the “Add a payment card” section.
2. If you have not linked the card to iTunes, the program will ask you to enter the card details.
3. Using the program prompts, enter the number, CVV2 and card expiration date.
4. Enter the OTP code that the app asks for. It will come via SMS to your smartphone.
5. The issuing bank will check the relevance of the entered data. If everything is ok, it will be added to the application.

Apple Watch

If you own a first or second generation Apple Watch, you can pay using your watch:

1. Tap the app on your Watch smartphone and open My Watch. Choose your gadget.
2. Tap Wallet & Apple Pay. To write new information, click “Add payment card”. Follow the same steps to add a card as indicated in the instructions for your smartphone.
3. Click Next. The plastic issuer will begin checking and if the data needs to be updated, it will request it.
4. If the account is linked to iTunes, click “Add” and enter the OTP code that will be sent via SMS.
5. After the information has been verified by the Issuing bank, you will be able to make purchases.

Apple tablet

In general, the process of adding to iPad should not be difficult:

1. Click Settings → Wallet & Apple Pay.
2. Select "Add payment card".
3. If the card is linked to iTunes, click “Add” and simply enter the OTP password.
4. Select Next. The bank will begin checking your card issuers. If everything is in order, your card will be added to Apple Pay.
5. If it is necessary to update the data, the issuer will request it.
6. After completing the settings, the “apple payment” technology will be ready.

Apple computer

The 2016 Macbook Pro makes purchases with Apple technology. You can also link plastic to a Mac, but you will need an iPhone or Apple Watch to pay:

1. Enter the menu “System Preferences” → “Wallet and Apple Pay”.
2. Select "Add Card".
3. If you need to pull up a card from iTunes, click “Add” and enter the OTP code.
4. If you need to update another account, select “Add a new card” and enter new information about it in the appropriate fields.
5. After the issuer has verified the plastic, you can start shopping.

Usage

After connecting the service, a natural question arises - ? To pay for a purchase using Apple Pay, you need to bring your smartphone to the terminal, which supports NFC technology and the payment service itself. After this, a picture with a map will appear on the device display.

The next step is to confirm the payment using your fingerprint and Touch ID. This procedure takes a couple of seconds.

It's just as easy to use your Apple Watch when you buy with Apple Pay. To make a payment, you need to double-click the button located on the side just below the Digital Crown, select the card with which the payment will be made, and bring the device to the payment terminal.

If you haven’t figured out how to use the service yet, then watch the video:

You can shop online using your iPad and Mac. Using the Safari browser, go to the desired site and fill out all the contact details for the purchase:

1. Tap Buy with Apple Pay or Apple Pay.
2. Follow the prompts on the screen (or Touch Bar if it's a Macbook Pro) and place your finger on the Touch ID sensor.
3. If the transaction is successful, you will see “Done” on the screen.

Shopping from your iPhone's locked screen

To simplify interaction with the system, smartphone owners have quick access to payment cards by double-clicking the Home button. If nothing happens after such a double tap, you need to enable access to the payment system from a locked display.

Advice! To access the system from a locked screen, you must enable the Double Tap Home switch in the Wallet app settings.

Commission

There are no additional fees charged to the buyer for using the service and making payments. Apple receives payment only from partner banks in the amount of 0.15-0.17% of the amount of each transaction passing through the service.

Payment security

Making payments through the Apple Pay service provides a higher level of security than in the case of direct use of a bank card.

• Firstly, there is a queue due to the fact that the buyer's fingerprint is used to confirm the transaction, rather than entering a PIN code.
• Secondly, through the use of a unique card identifier (DAN) and a dynamic security code that is specially generated for each transaction.

Thus, when paying, not the buyer’s card data is transferred to the seller, but only DAN, which eliminates the possibility of interception and further use of information to commit fraudulent actions by third parties.

Leave your wallet at home. Now you can use your phone instead of a bank card. This became possible thanks to the Apple Pay payment system.

Apple Pay is a mobile payment service based on NFC technology. With its help, you can pay for goods and services without a credit card. To make a payment, the buyer needs to bring his mobile device - a smartphone or smart watch - to a special terminal and after a couple of seconds the operation will receive confirmation. The service was officially launched in Russia on October 4 this year.

How to connect and configure

There is no need to install or configure anything additional. If, of course, your device supports Apple Pay. Just go to the Wallet app and add payment cards to it. Most of us are concerned about the question of how to connect apple pay to Sberbank, the “plastic” from Sberbank is the most popular in Russia. You don't have to go to the bank, just add a credit card from Sberbank to the application.

Adding a map

You can add up to 8 credit cards to one device.

1. Open the Wallet app on your smartphone
2. Click “Add payment information”
3. If you've already paid cashless on iTunes, you just need to verify your information with a security code.
4. If there is no information about credit cards in iTunes, you can enter them manually or film them on your phone camera
   Click "Next".
5. After confirming the bank, click “Next”
6. Ready!

on iPad

1. Open "Settings"
2. Select the “Wallet and Apple Pay” section
3. Click “Add payment card”
4. If you've already made cashless payments in iTunes, you just need to confirm your information using the security code
5. If there is no information in iTunes, you can enter them manually or film them
6. Click "Next". The bank will review the data and may request additional information.
7. Ready!

on Apple Watch

1. Open the Watch app on iPhone
2. Click "Wallet and Apple Pay"
3. If the data is already stored on your iPhone, click Add
4. If you need to create a “plastic account” that is not saved on the iPhone, click “Add payment information”
5. If you've already paid with iTunes, you just need to verify your information using the security code.
6. If there is no card information in iTunes, you can enter it manually or film it
7. Click "Next". The bank will check the data and may request additional information for authorization.
8. After confirming the bank, click “Next”
9. Ready!

to Mac computer

1. Open “System Preferences” in the computer menu
2. Select the menu section “Wallet and Apple Pay”
3. Click “Add card”
4. Enter the security code.
5. If there is no information in iTunes, you can enter them manually or film them on your phone camera
   Click "Next".
6. After confirming the bank, click “Next”
7. Ready!

Where to use contactless payment

Apple Pay works anywhere that accepts contactless payments. To understand this, look at the checkout or next to the terminal for a symbol for accepting such payments.
You can also make in-app purchases and through the Safari browser on the web.

How to carry out a payment transaction

Offline

When you pay for a purchase in a store, simply bring your phone to the terminal at the checkout and place your finger on Touch ID. You don’t need to open the application or unlock the screen, you don’t even have to look at your phone while paying, you will know that the payment has been successfully completed by the signal and subtle vibration of your iPhone

To make a purchase in a store using your Apple Watch, you need to double-click the button on the side and hold your watch close to the contactless reader. A gentle pulse and signal will confirm the success of the payment.

Online

For an in-app transaction, you must select the payment option “Apple Pay” or “Buy with Apple Pay.” Place your finger on the Touch ID sensor. After a successful operation, you will see “Done” on the screen

Principle of operation

Apple Pay works through a special NFC chip, which is installed on all new iPhone and iPad models and in a series of Apple watches.

NFC (Near Field Communication) is a short-range wireless technology that allows two devices (such as a telephone and a terminal in a store) to exchange payment information quickly and conveniently in close proximity.

You simply bring your iPhone to the terminal at the checkout of a store or restaurant while holding your finger on the Touch ID button.

Supported devices

• iPhone 6/6S, 6/6S Plus
• iPhone SE
• iPhone 7, 7 Plus
• 1st generation watch
• Apple Watch Series 1 and 2
• iPad Pro (9.7 and 12.9 inches)
• iPad Air 2
• iPad mini 3 and 4

In addition, you can now pay for purchases using a MacBook Pro with a Touch ID sensor, but this can only be done in the Safari browser. And paired with a smart watch or iPhone, you can pay for an online purchase from a Mac computer, but only if your computer model is older than 2012.

Commission

There are no additional fees charged to the buyer for using the service and making payments. Apple receives payment only from partner banks in the amount of 0.15-0.17% of the amount of each transaction passing through the service.

Safety

Making payments through the Apple Pay service provides a higher level of security than in the case of direct use of a credit card.

1. Firstly, there is a queue due to the fact that the buyer's fingerprint is used to confirm the transaction, rather than entering a PIN code.
2. Secondly, through the use of a unique card identifier (DAN) and a dynamic security code that is specially generated for each transaction.

Thus, when paying, not the buyer’s card data is transferred to the seller, but only DAN, which eliminates the possibility of interception and further use of information to commit fraudulent actions by third parties.

Video

How to use Apple Pay? For some time now, the electronic payment system has become available in Russia, too, so it’s time to figure out how to set up Apple Pay on iPhone, iPad and Apple Watch to pay for purchases. Previously on our website we published a detailed list of banks that work with Apple Pay, as well as instructions on how to add a card to Wallet to make Apple Pay payments. Now let's move on to the payment processing process. Go!

How to set up Apple Pay

1. Add your card to the Wallet app on iPhone, iPad, and iPod Touch. Described in detail.
2. Decide how you want to use Apple Pay - pay contactlessly in stores, in apps, or on websites in Safari.

Apple Pay in stores

• Only possible using iPhone or Apple Watch. First, you must add a payment card to Wallet.
• At the checkout there must be one of the symbols (below), which indicates support for the Apple service.
• 
  How to pay with Apple Pay using iPhone: instructionsStep 1. If you want to pay with the card already configured on your smartphone by default, simply bring your smartphone to the contactless payment device (terminal) at a distance of about 2.5 cm.Step 2: Place your finger on Touch ID fingerprint scanner and hold. The phrase “Done” and a symbolic mark should appear on the screen. Important!Sometimes in the terminal you need to choose between two items - Income or Expense. In our case, we need to select Parish. If you need to enter the last four digits of your payment card number, open the Wallet app on your smartphone and tap “i” to see your device account number.If you have multiple cards added to Wallet and you want to pay with a different card than the default one, you just need to switch cards. To do this, you first need to hold the iPhone near the terminal as in step 1, but do not press Touch ID. When you see the default card on the screen, click on it and select another one. Only after this, place your finger on Touch ID, confirming the payment. How to Pay with Apple Pay Using Apple Watch: Guide Step 1. If you want to pay with the default card already set up on your watch, double-press the side button. Step 2: While doing this, hold your watch near the contactless payment device (terminal) on about 2.5 cm away. If payment is successful, you will feel a slight pulsation. Important!Sometimes in the terminal you need to choose between two items - Income or Expense. In our case, we need to select Parish. If you need to enter the last four digits of your payment card number, open the Watch app on your smartphone, select Wallet and Apple Pay, and tap the card to see your device account number.If you use multiple cards and want to pay with a different card than the default one, you just need to switch between cards. To do this, on your smart watch, double-click the side button; when you see the default map on the screen, swipe left or right to select another one. After this, hold your Apple Watch near the terminal until payment is confirmed. How to use Apple Pay in programs (applications)
  • Possible on iPhone, iPad and Apple Watch
  • The program must have the “Apple Pay” mark (see below)

Apple Pay payments in apps and on websites in Safari: detailed instructions

1. Find the "Buy with Apple Pay" or "Apple Pay" button. Or you can simply choose Apple Pay when you pay for all your purchases at once.
2. Payment information will be available for review and must be verified, including your contact information. Sometimes you also need to provide delivery details for invoicing. The service will save the information the first time you enter it so you don’t have to enter it again and again.
3. Next, you just need to place your finger on the Touch ID fingerprint scanner if you are using an iPhone/iPad. If you pay using your Apple Watch, double-click the side button. Wait for the “ready” message.

Pay with Apple Pay on Mac on websites in Safari

• You must use the same iCloud account on your Mac, iPhone, iPad, and Apple Watch. It must be logged in.
• Bluetooth must be activated on Mac

Step 1: Find the "Buy with Apple Pay" or "Apple Pay" button and click on it.

Step 2: Please read and check your billing, shipping, etc. information carefully. Please note that you can choose not only the default card, but also any other that is linked to the device connected via Bluetooth (iPhone or watch).

Step 3: After entering all the data, confirm the purchase on your mobile device (on iPhone using the Touch ID scanner, on Apple Watch - double-click the side button). If the payment is successful, you will see the “Done” button.

On October 4, 2016, the contactless payment system Apple Pay is finally available. In this article, we talked about how, with which devices and banks the new service for the country works, and also clearly showed how the payment process occurs.

What is Apple Pay

Apple Pay is Apple's contactless payment system that allows you to pay for purchases using iPhone, iPad, Apple Watch and Mac. The service is distinguished by its incredible ease of use and high level of security when paying for purchases. The latter is achieved due to the fact that your card data is not stored on the device and is not transferred to the merchant when making payments.

How does payment work?

In order to pay for a purchase using Apple Pay using an iPhone, the user just needs to bring the smartphone to the NFC terminal and place a finger on Touch ID. After a second, the message “Ready” will appear on the screen, which signals the successful completion of the payment.

Paying for purchases using Apple Watch is also not difficult. Double-click the side button of the smartwatch and turn its display towards the NFC terminal. Wait a second and the payment is made, which is indicated by the Apple Watch with a touch and a sound signal.

To pay for online purchases on a Mac, you will need the help of an iPhone (or Apple Watch), however, everything is as simple as possible here. When you choose Apple Pay as your payment method, you'll receive a purchase notification on your iPhone. To confirm your purchase, you just need to place your finger on the Touch ID scanner and wait for a notification that the payment has been accepted.

Which devices support Apple Pay?

You can make contactless payments in stores using Apple Pay on the following devices:

• iPhone 6/6 Plus.
• iPhone 6s/6s Plus.
• iPhone SE.
• iPhone 7/7 Plus.
• Apple Watch.
• Apple Watch Series 2.

Smartphones iPhone 5, iPhone 5c and iPhone 5s also have support for Apple Pay, but payments can only be made using the Apple Watch smart watch, since the “fives” are not equipped with NFC modules.

Payment for purchases using Apple Pay on the Internet is possible on all of the above devices, as well as on:

• iPad Pro, iPad Air 2, iPad mini 3 and newer models.
• Mac 2012 or newer synced with iPhone or Apple Watch (Mac must have ).

Where is Apple Pay accepted?

To determine whether a store accepts Apple Pay, just look at the terminal. If it shows one of the icons below, then you can pay for your purchase using your iPhone or Apple Watch.

Many major retail outlets have already announced the introduction of Apple Pay support. The list of partners is as follows: supermarkets “Azbuka Vkusa”, “Atak”, “Auchan”, “Magnit”, BP gas stations, electronics stores M.Video, Eldorado, re:Store, MediaMarkt, coffee shops Starbucks and TSUM.

As for paying for purchases on the Internet, the payment system logo posted on the website will signal the possibility of making a purchase using Apple Pay. In addition, the ability to make payments via Apple Pay has already appeared in some mobile applications. Thus, payment by simply touching the Touch ID sensor is accepted in the Railway Tickets, App In The Air and the official S7 airline application.

Which banks and cards does Apple Pay support in Russia?

Apple Pay in Russia only supports Sberbank and Mastercard credit or debit cards. Other banks, including Raiffeisenbank, Yandex.Money, Tinkoff, Binbank, Otkritie, VTB 24, Alfa Bank and Russian Standard, according to their representatives, will begin to support Apple Pay in early November.

Let's look at the features and security of Apple's contactless service, which launched today in Russia.

First, be sure to read in Russia. Here we will look at general issues of operation and safety so that you know what you are using and how it works.

What is Apple Pay?

The Apple Pay service was created to simplify the buying/selling process. Instead of using a plastic card or cash, any purchase can be made using an Apple gadget.

Compatible devices for offline payment:

• iPhone 6 and 6 Plus
• iPhone 6S and 6S Plus
• iPhone 7/7 Plus
• Apple Watch
• iPhone SE

You can pay via iPad and Mac only online.

Payment occurs when the user brings their iPhone or Apple Watch to the contactless terminal. After a few seconds, a message appears on the screen about the possibility of payment and a proposal to confirm the transaction using a fingerprint scanner or password

Apple Pay has been around for over a year and a half. As of 2016, it operates in 9 countries: England, Australia, Hong Kong, Canada, China, Singapore, USA, Switzerland and France. Today the system.

How it works?

The basis: The mechanism of the system is based on NFC technology for close data transmission (at a distance of up to 20 cm) in conjunction with the Secure Element chip, which stores bank card data in encrypted form. Secure Element represents the industry standard in financial transactions. This chip runs a custom Java application.

Secure Element: This is an area of ​​dedicated memory that is separate from system memory. This area stores the user's bank card data. No program has access to it, no data is transferred anywhere, and even Apple cannot influence this strategy. So no one will know about your purchases and cash flows.

Secure Enclave: it is the component that manages the authentication process and initiates payment transactions. At the same time, it stores the fingerprint for Touch ID.

Apple Pay Servers: This is the backend that manages the status of credit and debit cards in the Wallet app, along with the device number stored in the Secure Element. Apple Pay Servers are also responsible for transcoding payment information within apps.

History and partners

Contactless payment technology has been used for quite a long time – since the middle of the first decade of the 21st century. But throughout its existence, it has not gained popularity. Even the concept of Apple Pay is not new. Google has already tried to take a place in this niche with its inconvenient Google Wallet service.

Apple Pay is compatible with many existing contactless readers: Visa PayWave, MasterCard PayPass, American Express and ExpressDay.

In addition to the fact that Apple’s service is supported by hundreds of banks, you can pay using your smartphone at any terminals that support contactless payment methods.

Where can I pay with Apple Pay?

Payment is made without entering a bank card number and other bank information. You just need to put your finger on Touch ID.

During the purchase process, Apple Pay may share additional information stored on the buyer's phone, such as shipping address and phone number.

What is Apple’s “profit” from the Apple Pay service? It's simple: the corporation receives 0.15% from each transaction - this is a fee for servicing the payment service and creating application tools. This money is paid to her by banks: Citi, plus existing payment systems, MasterCard and Visa.

What about security?

Apple Pay has a multi-level security system: a unique device identifier, dynamically generated security codes for each payment transaction, biometric information - a fingerprint.

Taken together, these tools provide more reliable security than a magnetic stripe or even a chip in a bank card.

During connection creation, devices exchange one-time tokens, which are deleted when the connection ends. The token is designed to replace the card number so that no one recognizes the latter. The token represents a randomly generated number, so the bank card number hidden behind it cannot be decrypted.

All this comes together and replaces the CVV of a bank card for a payment transaction. After establishing a connection and exchanging tokens for data transfer, they are encrypted. These encrypted messages reflect their ownership of the specific device that created the token used.

Even if the token is intercepted, it will not provide the attacker with valuable information, since after the connection is broken, the token is deleted.

Although the message contains information about the buyer, the seller, the amount of money involved in the transaction and the bank that provided the card, all data is securely encrypted. Apple does not disclose information about the encryption algorithm, which causes an uproar among some information security specialists.

Apple motivates its partners to switch to more modern payment terminals according to the EMV specification, that is, replacing the magnetic stripe of plastic cards with a Secure Element chip, which is almost impossible to hack using data interception.

Hacking theory

There was a fly in the ointment in this barrel of honey. No matter how hard the developers try, there are problem areas in the Apple Pay service. And this largely does not depend on Apple. Many other entities are involved in the movement of funds, including banks with their huge security gaps.

The fingerprint scanner does not always work correctly. While it provides a modern and seemingly secure means of identification, it also presents a huge security hole. If Touch ID fails, you can use the PIN code. This negates all advanced security.

The PIN code can be spied on, confused, the wrong keys pressed, in short, the human factor is at work. When paying with an Apple Watch, a fingerprint is not required, in which case the issue of security becomes more acute.

In this regard, additional verification tools have appeared: a secret code, a one-time password, calling customer support or providing information about previous purchases.

Some banks in other countries require the user to log in to mobile internet banking. These steps reduce the usability of Apple Pay by introducing additional layers of verification.

At the moment, the simplest payment format works in Russia without additional authorizations in the process.

Meanwhile, Apple Pay is still not hacked.

Apple Pay competitors

In 2011, Google Wallet entered the contactless payment market, but it did not become popular largely due to the fact that there was a strong competitor in the NFC payment market - Softcard, supported by the largest US mobile operators. But now he's deflated. And Google bought it for $100 million.

Using developments in the field of contactless payments Softcard, Google launched the Android Pay payment service, which works on principles similar to Apple Pay.

The market also operates the Samsung Pay service. To implement this, Samsung bought LoopPay for $250 million. The latter offers additional devices for contactless payments. The main advantage of LoopPay, and now Samsung Pay, is compatibility with older devices.

There is also PayPal with a service that makes payments via QR codes. It was developed by Paydiant, which was acquired by PayPal. To scan QR codes, use a smartphone with the iOS or Android operating system and installed the CurrentC program, which uses Paydiant technology.

The downside is obvious: there is a time delay - you need to carefully hold the smartphone over the QR code to take a picture.

The future of Apple Pay

In the near future, as more retailers adopt Apple Pay, Apple Pay can be used to provide discounts and targeted advertising based on consumer needs. After all, a smartphone knows almost everything about you.