Frequently Asked Questions
Apple Pay is an application that provides an easy, secure way to pay in stores and within apps using your iPhone 6, iPhone 6 Plus and Apple Watch. Apple Pay stores cardholder information in a Secure Element on the Apple device, and works with current contactless POS.
Because of the NFC antenna on iPhone 6 there’s no need to open an app or wake the display. To pay, the customers will just have to hold their iPhone near the contactless reader, exactly as they would a contactless card today. The payment information will be passed to the POS system only once the consumer authenticates the transaction with their finger on Touch ID as verification for the purchase.
To pay with Apple Watch, the customer doubleclicks the side button and holds the display up to the contactless reader. A beep confirms that the payment transaction has been completed
Payments made using Apple Pay in stores are treated as standard, card present contactless transactions with full liability shift.
You will also be able to use Apple Pay to pay with a single touch within some Apps. Payments made using Apple Pay in-Apps are treated as standard 3D Secure transactions with full liability shift, even though they don't invoke the 3D Secure verification process (i.e. Verified by Visa and MasterCard SecureCode).
Apple Pay uses the tokenization standards to protect consumer information - so instead of storing and sharing actual credit and debit card numbers, a unique Device Account Number is assigned, encrypted and stored in the Secure Element. These numbers are never stored on Apple servers and during a purchase the Device Account Number, along with a transaction-specific dynamic security code, is used to process the payment. As a result the last four digits of the card number printed on a transaction receipt will be different to that of the original stored card number.
From launch, you can choose to load participating MasterCard, Visa or American Express cards into Apple's Passbook by manually entering details or using your device camera. The latest information about issuing banks supporting Apple Pay can be found at www.apple.com/uk/apple-pay.
Apple Pay lets you use iPhone 6 or Apple Watch to pay in hundreds of thousands of locations accepting contactless payments. You can also make purchases within participating apps on iPhone 6, iPad Air 2 and iPad mini 3. And more shops and apps are accepting Apple Pay every day. The latest information about retailers supporting Apple Pay can be found at www.apple.com/uk/apple-pay
If your business already accepts contactless transactions using terminals that support Visa PayWave Version 2.1.1 and MasterCard PayPass Version 3, you should be able to process Apple Pay in store transactions. Elavon acceptance of American Express contactless transactions will be added in early 2016. Note that Apple Pay can be also used for transactions above the usual £20 limit for contactless transactions; provided the correct firmware has been enabled on terminals and the accreditation process for high value transactions has been completed.
No additional certification is needed for Apple Pay, as long as you support the specified versions of MasterCard and Visa contactless.