Most retailers who offer contactless will be able to accept Apple Pay and the good news is, there’s no £30 limit, as your card is verified by Face or TouchID. Just look for an Apple Pay or contactless logo.
Put your iPhone, iPad, or Apple Watch near the card reader, put your finger on the Home button to use Touch ID (or double-press the iPhone X’s side button and authenticate via Face ID, or double-press the Apple Watch’s side button), and you’re done. The entire transaction takes seconds.
Is it secure?
The good news is that Apple Pay is significantly more secure than chip-embedded cards. A typical thief can’t use Apple Pay from your device because they can’t get past Touch ID or Face ID, or provide your Apple Watch passcode.
Also, the store where you shop gets no data about you. They don’t know who you are, what your card number is, or anything else unless you gave them your email or used a loyalty card. Most importantly, it removes the risk or your card being skimmed.
How does it work?
When you set up Apple Pay, the Wallet app sends your encrypted credit card details to Apple. They’re then passed along to your card’s payment network. What comes back is an encrypted Device Account Number. This is a long number that’s stored in the Secure Enclave chip on your device. That chip is protected by a digital moat, keeping it isolated from nearly all activity on your device. The Device Account Number is unique to your device and card, so nobody else can use it.
When you pay with Apple Pay, the Secure Enclave chip transmits the Device Account Number, along with a few other details, including a one-time transaction code. Everything is encrypted, so even if an attacker were listening to the traffic, no transaction details would be revealed. The information remains encrypted until it reaches the appropriate party, at which point if all goes well, your transaction is approved and processed.
How to set up Apple Pay
To set up Apple Pay on your iPhone or iPad, tap Settings > Wallet & Apple Pay > Add Credit or Debit Card. It’s fine to let the device scan your card so that you don’t have to type your credit card number. After setup, the image is discarded.
After adding a card, find it in the Wallet app and tap the card’s info button at the lower right to explore the Info and Transactions screens.
The bottom line is that Apple Pay is easy to use and keeps your card details secure. What are you waiting for?!