Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. It is supported on the iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. Apple Pay does not require Apple Pay-specific contactless payment terminals; it works with any merchant that accepts contactless payments. It is very similar to contactless payments already used in many countries, with the addition of two-factor authentication via Touch ID, Face ID, PIN, or passcode. The service lets Apple devices wirelessly communicate with point of sale systems by using a near field communication (NFC) antenna, a "dedicated chip that stores encrypted payment information" (known as the Secure Element), and Apple's Touch ID and Wallet.
|Initial release||October 20, 2014|
|Operating system||iOS 8.1 or later|
(iOS 10 or later for Apple Pay on the web)
(iOS 11.2 or later for Apple Pay Cash)
All watchOS versions
MacOS Sierra or later
It is available in the United States, United Kingdom, Canada, Australia, Brazil, United Arab Emirates, Saudi Arabia, Russia, China, New Zealand, Singapore, Japan, Taiwan, Hong Kong, Germany, Denmark and most recently Austria, as well as various other European nations. Apple Pay supports most major credit card or debit card schemes, including American Express, Visa, Mastercard, and UnionPay. Participating banks vary by region.
The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and all Apple Watches. Users with the iPhone 5 and 5C can use the service through an Apple Watch, though it lacks Touch ID security. (The iPhone 5s has Touch ID but not NFC; iPhone 5s users must use an Apple Watch and confirm using Touch ID on the iPhone 5s.) Instead, Apple Pay is activated with a passcode and remains active for as long as the user wears the Apple Watch. It can store 8 or 12 cards depending upon the device.
The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Primary Account Number (PAN) with a tokenized Device Account Number (DAN), and creates a "dynamic security code [...] generated for each transaction". The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.
To pay at points of sale, users hold their authenticated Apple device to the point of sale system. iPhone users authenticate by holding their fingerprint to the phone's Touch ID sensor or facial recognition via Face ID, whereas Apple Watch users authenticate by double clicking a button on the device. To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID. Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuers app, or by entering the card information manually.
Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the funds transfer between counterparties is not immediate. The settlement time depends on the payment method chosen by the customer.
In the United Kingdom, payments using contactless cards are limited to £30 (previously £20 until August 2015) as they have only one-factor authentication. Payments using Apple Pay have two-factor authentication and no transaction limit once retailers have upgraded the software in their terminals to support the latest network contactless specifications.
Apple assumes some liability for fraudulent use of the service. Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit. Financial Times reported that Apple receives 0.15% cut of US purchases made with the service, but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015. In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, in addition, the bank pays 45 rubles a year for each card added in the service.
Consumer Device Cardholder Verification Method (CDCVM)Edit
In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may negate the requirement for the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a 'no verification contactless limit' using contactless cards (such as the current £30 limit in the United Kingdom and the C$100 limit in Canada), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications.
Apple Pay implements the Contactless EMV standards from the major payment card networks and should work at any merchant that supports contactless payments worldwide, regardless if they specifically advertise Apple Pay acceptance or if Apple Pay support is offered by card issuers in that country. However, due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some current known issues include:
- Canada, UK, and possibly other non-US-issued VISA cards only support EMV-mode transactions and not legacy magnetic stripe data emulation transactions. Some contactless terminals in the US do not currently support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a 'Could Not Complete Payment' error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.
Money transfer (Apple Pay Cash)Edit
Apple Pay Cash is a feature that allows users to transfer money. The transfer and receive feature is used inside the Messages app. When a user receives a payment, they can choose to transfer the fund to the Apple Pay Cash balance or to their bank account directly. It is currently only available in the United States.
The service was in preparation for "a long time," as Apple acquired startups, hired executives and filed patents related to payments. Apple partnered with American Express, MasterCard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information. A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration. MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments". The announcement of the service came at a time when MasterCard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems. Apple then approached several big banks in mid 2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement.
The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface," "exposed numbers," and insecure "security codes." The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices. The company announced an API for app developers to build Apple Pay checkout into their apps.
The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015. On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China, and Chinese users could start to use Apple Pay on February 18, 2016.
In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.
On March 8, 2016, ExxonMobil officially launched Apple Pay support within its Speedpass+ iOS app, letting customers pay for gas or car washes directly from their iPhone, eliminating the need to use the ExxonMobil's physical NFC Speedpass keychain token at the point of transaction.
On May 4, 2016, Kohl's became the first retailer to allow the use of Apple Pay with Kohl's Charge Cards or other credit or debit cards enrolled with Apple Pay and simultaneously earn Yes2You Rewards loyalty points with a single tap using Apple Pay. J. C. Penney announced that they will be rolling out the same in the near future.
On May 10, 2016, Apple Pay expanded the service in Canada to customers of RBC, CIBC, ATB Financial and Canadian Tire Bank. The expansion includes varying support for Visa, MasterCard, and Interac, covering most major debit and credit cards in Canada. Apple Pay was previously only available in Canada for non-bank-issued American Express cards. Apple Pay was expanded to TD Canada Trust, Scotiabank, and the Bank of Montreal in June to complete the rollout across Canada's Big Five financial institutions. Apple Pay support is also coming soon to Air Canada, Aldo Group, Domino's Pizza, Pizza Pizza, Zulily, and the Toronto Transit Commission. Additionally, the payment service is integrated into the iPhone and iPad applications for the Apple Store, Delta Air Lines, Etsy, Fancy.com, Groupon, Kickstarter, Priceline.com, Starbucks, Ticketmaster, Uber, and Zara starting in June 2016.
On May 19, 2016, Chime Banking initiated its support of Apple Pay.
Apple Pay launched in Singapore on April 19, 2016, with American Express issued cards. On May 25, 2016, this was extended to support Visa and MasterCard credit and debit cards issued by Singapore's five major banks, translating to about 83 percent of credit and debit cards in the country.
BMO, Scotiabank, and TD Canada Trust, which make up three of the five largest banks in Canada, rolled out Apple Pay support on June 1, 2016.
On June 1, 2016, KFC has announced that it now accepts Apple Pay at some of its U.S. restaurants, with nationwide adoption to be completed by the end of the summer.
On June 3, 2016, Grubhub, the nation's leading online and mobile food-ordering and delivery platform began accepting payment from its customers using Apple Pay on its two applications; Grubhub and Seamless. The company is keeping up with its rivals in adopting the payment service as Caviar, DoorDash, and Postmates.
Apple announced at its WWDC 2016 keynote on June 13, 2016, that Apple Pay will be entering three new markets; France, Hong Kong, and Switzerland over the following months in partnerships with Visa, Mastercard, and American Express. Visa and Mastercard cards will be supported in all three markets, while American Express will also be available in Hong Kong. The specific credit, debit, and prepaid cards that can be used in each country vary depending on the participating issuers
- France at launch will include Banque Populaire, Boon, Caisse Epargne, Carrefour Banque, Orange, and Ticket Restaurants. It will also be accepted at many retailers in France, including Apple, Bocage, Boulanger, Cojean, Dior, Fnac, Le Bon Marché, Louis Vuitton, Orange, Pret a Manger, Parkeon, Sephora, and at other locations where contactless payments are already accepted.
- Hong Kong at launch will include the Bank of East Asia (BEA), Bank of China (Hong Kong), DBS Bank (Hong Kong), Hang Seng Bank, HSBC, and Standard Chartered. Apple Pay will also be accepted at 7-Eleven, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald's, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and at other locations where contactless payments are already accepted.
- Switzerland's launch of the service was on July 7, 2016, with Mastercard and Visa. Initial banks deploying Apple Pay in Switzerland include Bonus Card, Cornèr Bank [de] (Cornèrcard), and Swiss Bankers. Apple Pay will also be accepted at retail locations of Aldi Suisse, Apple, Avec, Hublot, K Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and at other locations where contactless payments are already accepted.
On June 26, 2016, Bendigo and Adelaide Bank alongside Commonwealth Bank, NAB and Westpac sought authorisation from the Australian Competition and Consumer Commission (ACCC) for third party access to the iPhone's NFC chip (limited to Apple Pay) in order to distribute their own mobile wallet without any delays nor interference from Apple and also to collectively negotiate passing Apple Pay fees to cardholders. This action received support from the likes of Heritage Bank, Tyro Payments and Coles. An interim authorisation, however, was not granted on August 19, 2016. A draft determination also denied the authorisation on November 29, 2016. After a three month extension, the ACCC released a determination denying authorisation on March 31, 2017. During this time, the banks involved in this action held a collective boycott of the service.
Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Currently, Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported. Wells Fargo and JPMorgan Chase are both working to integrate Apple Pay support into their ATMs.
On August 29, 2016, ANZ expanded their support for Apple Pay to support MasterCard holders in Australia.
On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can now add both local credit cards and FeliCa cards to their Apple Pay wallets. As of now, only Suica cards are supported by Apple Pay, which now can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan.
Taiwan's Financial Supervisory Commission began accepting applications from the country's banks offering Apple Pay to their customers on September 28, 2016. This includes the banks; CTBC Bank, Cathay, United Commercial Bank, E.SUN Commercial Bank, and Taishin International Bank.
On January 13, 2017, ANZ was one of the first banks to release an instant provisioning service with Apple Pay in Australia, this allowed for customers to utilise the service even when they lost or had their card stolen.
On January 28, 2017, Credibanco and Redeban Multicolor enabled contactless payments such as Apple Pay; it was available by virtual prepaid card service like Boon Payment by Wirecard, Square Cash by Squareup and Yandex Money. Also Apple Pay enabled bank cards are accepted.
On March 29, 2017, Apple Pay launched in Taiwan with 7 banks.
On May 17, 2017, Apple Pay launched in Italy (including San Marino and Vatican City) with boon., Unicredit and Carrefour Bank, also introducing support for Mastercard's Maestro and Visa's VPay, not available to use with Apple Pay in other countries.
On October 17, 2017, Apple Pay rolled out to the eftpos card network in Australia, marking the first card tokenisation service of the network. The rollout was only limited to ANZ Access cards and could only be used in physical stores.
On November 28, 2017, Bendigo Bank was the first bank after the denied ACCC authorisation to roll out Apple Pay to its Mastercard customers.
On December 14, 2017, Apple approved for UK banks to provide Apple merchant accounts.
On February 1, 2018, Apple has confirmed that Apple Pay will arrive in Brazil as it announces its fiscal first quarter results for 2018.
On March 28, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced support for multiple mobile wallets, one being Apple Pay.
On March 30, 2018, iOS 11.3 released, Apple Pay supports the Shanghai Public Transport Card (SPTC) and Beijing Transportation Card for local buses, subways and other public transportation. The SPTC can also be used for public transportation in cities that have joined the City Union plan.
On April 4, 2018, Apple Pay launched in Brazil with Itaú Unibanco (including Credicard).
On May 17, 2018, Apple Pay launched in Ukraine with PrivatBank.
On November 5, 2018, Apple announced the launch banks for the upcoming launch in Germany. This includes Deutsche Bank, HypoVereinsbank, comdirect, Fidor Bank, Hanseatic Bank, N26, bunq, VimPay and boon. by Wirecard. American Express will also support all self-issued cards from launch. Payments networks include American Express, Mastercard (along with the debit brand Maestro), and Visa. The German national debit card scheme Girocard will not be part of the launch.
On September 18, 2018, similar to the Bank of America ATM rollout, ANZ made their contactless ATM available to all mobile wallets including Apple Pay. Contactless withdrawals were previously exclusive to their proprietary ANZ Mobile Wallet app.
On November 8, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced their instant provisioning service, being the second bank in Australia to do so. It also allows for customers to start using the banking service with Apple Pay before their physical card arrives.
On November 28, 2018, Apple Pay launched in Belgium with an exclusive partnership with BNP Paribas Fortis, along with its subsidiaries Fintro and Hello bank! and support for the MasterCard, Maestro and Visa payment networks. In Kazakhstan Apple Pay launched with support from ATFBank, Eurasian Bank, Halyk Bank, Sberbank, Bank CenterCredit and ForteBank.
On December 11, 2018, Apple launched Apple Pay in Germany along with a press conference at the Allianz Arena in Munich, the home stadium of the major football team Bayern München. Apple also announced more banks to follow in 2019, including the major banks DKB, ING, Consorsbank (BNP Paribas), Consors Finanz (BNP Paribas), and the British FinTech Revolut. Meanwhile on the same day as the launch in Germany, the German Public Savings Banks Association (DSGV / Sparkasse), with the largest share of consumer banking in Germany, has announced that it is seeking to gain access to the NFC chip in iPhones for their own proprietary payment solution.
On January 18, 2019, Apple Pay announced support for dual network debit cards in Australia. ANZ Visa debit cardholders can now choose to pay via the Visa network (Credit) or the eftpos network (savings and cheque). Eftpos also announced that Apple Pay can be used for cash out at Bunnings Warehouse and McDonald's with more participating retailers rolling out later.
On January 28, 2019, news surfaced in Germany that the Volks- and Raiffeisenbanken (through BVR - National Association of German Cooperative Banks) were in negotiations to launch Apple Pay later in 2019. The co-operative banks are one of the three main pillars of Germanys unique retail banking structure, with a market share of around 20%.
On March 27, 2019, Austrian bank Erste Bank und Sparkasse, prepaid service boon. from Wirecard, German bank N26, Slovakian bank Slovenská sporiteľňa, and Romanian banks ING Bank Romania and Banca Transilvania announced that Apple Pay is coming soon to Austria, Romania, Estonia, Greece, Portugal, and others. An upcoming announcement had become apparent after Austria had been marked as a supported country in an Apple Pay world map shown during the Apple Keynote earlier that week.
On April 2, 2019, Apple Pay had its first addition of banks in Germany after the launch in late 2018. Consors Finanz (BNP Paribas), Monese, Viabuy, Crosscard, and Fleetmoney joined the 12 launch banks. Westpac New Zealand launched Apple Pay on this date as well.
On April 4, 2019, Slovakian bank mBank announced upcoming support for Apple Pay on their website.
On April 4, 2019, BGL BNP Paribas bank announced on Twitter account that Apple Pay is coming to Luxembourg soon. 
On April 12, 2019, Portuguese bank Crédito Agrícula announced upcoming support for Apple Pay on their website.
On April 24, 2019, Apple launched Apple Pay in Austria with Erste Bank und Sparkasse and N26. Other services marked as coming soon are, amongst others, Bank Austria, Revolut and VIMpay. In Germany, Consorsbank (BNP Paribas) was added to the list of supported banks. In Spain, interbank network EURO 6000 and all its members (ABANCA, Caixa Ontinyent, CajaSur, Cecabank, iberCaja, Kutxabank, Liberbank and Unicaja Banco) started to offer support for Apple Pay.
On May 15, 2019 Monese announced that they will bring Apple Pay to Bulgaria, Croatia, Cyprus, Estonia, Greece, Lithuania, Liechtenstein, Latvia, Malta, Portugal, Romania, Slovakia and Slovenia.
|Date||Support for payment cards issued in|
|October 20, 2014||United States|
|July 14, 2015||United Kingdom|
|November 17, 2015||Canada|
|November 19, 2015||Australia|
|February 18, 2016||China|
|April 19, 2016||Singapore|
|July 7, 2016||Switzerland|
|July 19, 2016||France|
|July 20, 2016||Hong Kong|
|October 4, 2016||Russia|
|October 13, 2016||New Zealand|
|October 25, 2016||Japan|
|December 1, 2016||Spain|
|March 7, 2017||Ireland|
|Isle of Man|
|March 29, 2017||Taiwan|
|May 17, 2017||Italy|
|October 24, 2017||Denmark|
|United Arab Emirates|
|April 4, 2018||Brazil|
|May 17, 2018||Ukraine|
|June 19, 2018||Poland|
|June 20, 2018||Norway|
|November 28, 2018||Belgium|
|December 11, 2018||Germany|
|February 19, 2019||Czech Republic|
|April 24, 2019||Austria|
|May 8, 2019||Iceland|
- V Pay
- American Express
- Discover Card in the United States
- CB in France
- Interac in Canada
- Eftpos in Australia
- China UnionPay
- Suica, iD, QUICPay in Japan
- SPTC in Shanghai, China
- Yikatong, Beijing Transit Card
- Mada in Saudi Arabia
Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services, including those of PayPal, WalMart, Target, Google Wallet, and Softcard. They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did. The Verge's Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea." The Verge's Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement." He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry. Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment". Some analysts added that the service could reduce the standard credit card transaction fees over time, since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks.
Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted. The Verge's Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience". Patel said the process took five to ten seconds at a retail card reader, and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations. The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.
Apple announced that more than 1 million credit cards had been registered on Apple Pay in the first 3 days of its availability, making it the largest mobile payment system in the US at the time. There were 220,000 participating vendors when it launched. Outside the United States and the United Kingdom, Apple Pay can be used with American and British payment cards at compatible NFC-based payment terminals.
In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialling a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy and Walmart, had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC, although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015. Best Buy has begun to accept Apple Pay at all stores starting in October 2015.
Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX. On 22 January 2019, Target announced the roll-out of Apple Pay support to all of its US stores.
As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once. Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.
On June 2, 2016, according to Fortune, Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015.
With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide.
On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments.
Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay.
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First, a clarification. There is no 'accepting Apple Pay.' You may have read an article or five suggesting that retailers don’t plan to support Apple Pay, implying there is some special thing they have to do to work with Apple. What a retailer needs is nothing more than a NFC-equipped point-of-sale terminal.
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