Apple Pay for dummies

18 Sep Apple Pay for dummies

Apple is continually moving onto the next big project, but one must also be aware that Apple is still sticking by its roots – taking other things and making them better with the use of Apple technology.

While Steve Jobs did this by making the iPod better than the MP3 player, Apple is once more making something really simple for Apple users which has been done already: Apple Pay. If you have heard of Google Wallet, chances are, Apple Pay is going to be really familiar to you, and might have you wondering why they haven’t taken advantage of this earlier.

Many people, including Tim Cook, have declared this to be a revolution in the payment method usage with the iPhone 6. However, just as music is still available in many other places besides an iPod, Apple Pay is unlikely to be a big game changer for the moment.  Despite the strong start to the marketing campaign, and the integrity of the brand behind it, Apple Pay has a lot to overcome when it comes to being used over credit cards today.

Apple Pay comes to Apple devices much like the programs of all the Apple products – in the form of an app. On the App Store search, type in “Apple Pay” and you’ll get connected to the program which will allow you, through a collaboration with credit card companies, to use your iPhone to pay for products at the store. Once the App is downloaded, your iPhone is able to send out a signal and charge your credit or debit card (you have to link a card to the account) when you would normally use a credit / debit card for all your purchases.

Here’s what you need to know about Apple Pay:

1. Apple Pay is Compatible

You can use Apple Pay on devices at the iPhone 5 and after level. This includes the iPad mini and the Apple Watch, though you must download the app onto each device separately. In addition to being able to work on several devices, it can also be used to work within many apps already downloaded to your account. So if you want to expand your music collection, Apple Pay is able to take care of paying for that as you are listening.

2. Want to Go Cardless? You Can.

Credit / Debit Cards have been the subject of many questions. As the UK are finally get caught up on the imbedded computer chip, with the added layer of security to credit cards, Apple Pay is able to do similar things without the card at all. You can link your cards to the app and then leave the cards at home. With the specialised design to the iPad and iPhone’s security systems, you will have about the same levels of security on the iPhone 6 as you would on a chipped credit  / debit card.

3. Downsides and Limitations – They are There

So, what is the downside to Apple Pay? If you lose your phone, you could be stuck without a way to pay. This is similar to how you would be if you lost your wallet. If someone gains access to your phone without your permission, you could face a lot of charges. However, this  is similar to someone taking your card and using it at their whim.

Limitations? With access to payment over your iPhone from over a million stores and counting, it can be hard to find a limit to what you can do. Probably the only real limitation is that Apple Pay is limited to the compatible generations of the iPhone 6.

Whether you decide to keep your credit / debit cards or link them up to your phone, for the moment, Apple Pay is here to stay.


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