Apple Pay - How It Works & 1 Tip Everyone Should Be Using

Apple Pay is an NFC based payment system developed by Apple that allows you to pay through contactless payments. The use of Apple Pay has increased this past year because of the pandemic.
But how does Apple Pay work? In this video, we'll go over why you should be using Apple Pay, how to set it up, why it's better than a credit card, and one trick everyone should be using!
Chapters
0:00 Intro
0:53 Why You Should Be Using Apple Pay
1:13 How To Set Up Apple Pay
1:32 What's Happening Behind the Scenes?
2:50 EVERYONE Should Be Using This Trick
3:23 How Do You Use Apple Pay?

[@nadunlochana2956]

Regarding the how insecure using a normal card is, when ever you pay with your card at a terminal the cashier has the ‘reprint’ option. That gives them your full card number and all they have to do is remember your expiry date to manually charge your card WITHOUT you or the card being present. I work at a front desk of a hotel and we can easily do this if we want. However Apple Pay masks your number and prevents us or our finance department from seeing your card details

[@dileevip]

Yay for Apple Pay! Its more secure!

[@jonahpaty4643]

Bs

[@KawaiiLaLuna]

Yes this is true. I’m starting to change my habit to use the physical card to using QRIS as payment because apple pay isn’t available in my country 🥲

[@dileevip]

@@KawaiiLaLuna ah gotcha! where are you from?

[@KawaiiLaLuna]

@@dileevip Used to live in the US and loved using apple pay. Now I’m back in Indonesia and shocked that apple pay still isn’t available here 🥲

[@AIRWARFAREGROUP]

Thanks for the tips! I’m just getting set up with Apple Pay and your information is fresh!

[@dileevip]

Thanks for this comment! Comments like this is why I love making videos

[@theraphachukwu]

Can’t get over how well made this video is🎉 Plus I love how you laid out Apple Pay’s features so well

[@dileevip]

Aww thanks so much for your awesome comment!

[@aarongleen]

Nice. Do other digital payments or digital wallets work the same way?

[@dileevip]

If you found this video helpful, would appreciate if you considered subscribing! Making more content coming up soon, like the iPhone 14 next month. Trying to reach 1k subs, and would appreciate your support!

[@BugsGunny77]

This is kind of a dumb question but do you have to put money on the apple cash card and use that one to receive the cash back?

[@DrumNBassKidd1]

Thank you for covering the technical aspects of Apple wallet, it was really easy to understand.

[@dileevip]

Thanks for watching! Glad it was helpful

[@rlj0929]

Thank you super easy to understand!!!

[@dileevip]

Glad it helped!

[@WestCoastAce27]

Great job. Even after explaining the ‘vendor never gets your CC info’ to friends who have been victimized by cc fraud, they still won’t switch. I love it. Still some holdouts in the US. In Dubai it works everywhere - even in taxis.

[@dileevip]

Yeah I love Apple Pay. Thanks so much for watching!

[@mantony39]

Used transit in DC this fall on my watch, loved it, hated old metro card and always needing to refill it

[@dileevip]

Glad it was helpful. I love using Apple Pay for transit now

[@rhodanicholas630]

You really helped me understand how the contactless pay works. I am planning a trip to London and I see all these videos of people just putting the phone next to the reader to open the tube gates and now I know what I have to do. Well done and thanks so much!

[@dileevip]

Of course! So glad you found it helpful!

[@paultrewin5871]

I have been using Apple pay for a while now and I love it. I did not know about the travel card express option. So, thanks for that. I learned something again today.

[@dileevip]

For sure! Thanks for watching. Glad it was helpful

[@BillKimCook]

Great info, thank you very much!

[@tanukibrahma]

Thank you for getting to the point right away without any additional bullshit

[@dileevip]

Appreciate you watching! Hope it helped

[@BlaineShire]

I tried to do but when I try add my new Amazon Prime card but it says it is not a valid card but when I check the banks on the list it is there..

[@matthewbartlett1977]

I have started using Apple Pay a lot more since the pandemic started. Also I've used the Express Mode quite a few times recently when I have been to London and used public transport.

[@dileevip]

Yes express pass is the best!

[@chrispaulus4491]

You don’t even need an express pass in Sydney Australia. You just use Apple Pay!

[@tanyajackson-smith5504]

My card was damaged, so while waiting for my new card, same number, arrives, I input my information into “Wallet”, and ExpressI followed your instructions and will wait to see how it all works. Thanks for the instructions.

[@dileevip]

For sure! Lemme know how it goes

[@leonardgoffe7159]

Nice, I like the ability to use it on the train system.

[@dileevip]

Yeah hope it saves you a lot of time! Works great internationally too!

[@cathyw3144]

Great info! I just set up Apple pay after some account fraud and I feel more secure in knowing the my data is encrypted.

[@dileevip]

yes for sure! these days I use apple pay as my default!

[@ishrashad]

Cool. quick and helpful. Point to note: No express transit card on my phone, which is either the age of the model (7, therefor no IOS 16) or it may be a geo-restriction: I'm in Australia. (But the express transit card sounds a bit too easy. No Face/Touch ID required? ...hmmm... (uneasy look) ) Thanks.

[@durraaltai2669]

Just wonderful video. To the point, short and sweet. Nice job.

[@dileevip]

Thank you for watching!

[@manojreddy123]

I’ve been using Apple Pay strictly for over 4 years now. Easy, secure, convenient. Where I live in the DFW, pretty much every business accepts Apple Pay!

[@dileevip]

Works great internationally now too!

[@manojreddy123]

@@dileevip absolutely!!

[@brianc9036]

Good to know, I just had my CC's stolen from my GYM locker at 24 Hour Fitness in McKinney. Left my phone and wallet contents etc. Since they left my phone and I had text notifications for relatively small amounts the damage wasn't too bad. But after this I am going to attempt to use Apple Pay and basically leave the cards at home. Maybe hide on in my car or something. Going to be interesting to see how it pans out.

[@dileevip]

@@brianc9036 yeah try it out! Most place accept contactless payment now so it’s so much easier!

[@raygold1]

Unfortunately at most full service restaurants you have to give them your card and they go in the back to charge.

[@samanthap.1586]

Thank you, getting the IPhone 15 and will set this up.

[@Haze508]

Very informative. Great video I am going to start using my wallet !! But That express card section does not seem safe. What if somebody grabs your phone they can just swipe it without your facial recognition? That seems dangerous how do you prevent a Thief from using it contactless?

[@dileevip]

Thanks for watching! Yeah fair point. But if someone swiped your phone I feel like you would just take steps to brick the phone anyways. And if they swipe once in the transit system it’s small peas at the end of the day no?

[@raj.r412]

On android, you can’t use google pay without a screen lock, I don’t know if that applies to apple pay

[@cbeary2000]

Dude, that was so helpful. Thank you

[@dileevip]

Thanks so much for watching!

[@mlbreel]

Great tip and important information. I have subscribed and thank you!

[@dileevip]

Thanks so much! Appreciate your support

[@hjm5885]

one of the best videos! quick and to the point without endless introduction. Thank you !

[@dileevip]

Glad it was helpful! Thanks for watching

[@user-cv5xu9ci4j]

How do I turn off auto reload on my Apple Pay

[@mikimiki195]

Last tip is awesome 👏🏻

[@dileevip]

Thanks for watching!

[@LeahDykema]

Thank you for the simple and quick detailed explanation!

[@dileevip]

Thanks for watching!

[@LeahDykema]

@@dileevip And thank you for making the video.

[@allankempson6951]

I use Apple Pay for most things now, I especially love it on my Apple Watch because you just have to press the side button twice instead of Face ID on my phone. I've use Express Mode when I go into London, it's a great feature, and as I wear my watch on my right arm it's even faster paying on my watch than an actual card thanks to the express mode.

[@dileevip]

Apple Pay on Apple Watch sounds like a really useful feature. If you’re in NYC you can use the express transit too!

[@allankempson6951]

@@dileevip yes Apple Pay on the watch takes Apple Pay to another level, I almost always use it on my watch, it's so much faster than doing Face ID on my phone every time.

[@dileevip]

@@allankempson6951 that’s awesome! Maybe I should get an Apple Watch as well!

[@Alastor360]

I just set it up. I just wanted to make sure that there was no fees or anything that I should be worried about.

[@dileevip]

Yay awesome! There shouldn’t be any fees on your end. Enjoy your new digital wallet!

[@chloerose519]

Hello ,thank you very much for the info you shared. So,does that mean when I link my bak account with Apple pay ,it doesnt share my bank details such as account number, bank name ,etc ,with the markets? is that correct?

[@dileevip]

Yep that’s correct! Your actual card or bank info isn’t shared with the markets

[@chloerose519]

@@dileevip Great ! Thank you very much

[@dileevip]

@@chloerose519 for sure!

[@SkiKat-USA]

Informative and useful information!

[@dileevip]

Thanks so much glad it helped

[@ceeell5772]

Super helpful. Thank you!

[@dileevip]

Thanks for watching!

[@a.nahari380]

Love the introduction

[@dileevip]

thank you!

[@AgentX-dh3lf]

As an Indian, India has a new way of payments which is UPI (Uniformed Payments Interface) that directly transfers money from bank account to bank account without sharing any bank detail excluding bank name and non-sensitive details.

[@SuperArnie]

Great content, straight to the point, helpful visualisation … one tiny thing for me is your speed. Speak a bit slower and it will not only be easier to follow (e.g. for non native English speakers) but add some viewing time as a byproduct - win-win and an easy one. Content is king but accessibility is its queen, together they rule the world (of KZbin at least😉)

[@dileevip]

Thanks so much for the helpful feedback! I really appreciate it

[@dwtbb00]

I love using Apple Pay but unfortunately not everyone takes it which is a bummer. I love the fact that I rarely ever have to take my debit card out of my wallet, like this I don’t have to risk losing anything like cash (who ever carries cash nowadays). I just use my Apple Watch or my phone. The only time you will ever find me caring cash is if either I am going to make a deposit in the bank, going to like a sandwich shop that I go to that gives you a discount if you use cash and whenever I travel. Because if the place that I’m going to doesn’t take Apple Pay, and by chance, I lose my credit card or debit card, at least I have some sort of tangible form of payment. Great video!

[@dileevip]

Yeah exactly! Cashless is king! Thanks so much for watching

[@stevehart-cg7te]

Very easy to understand useful information.

[@dileevip]

Thanks for watching!

[@karenclements2096]

Using the double click, could anyone use your wallet credit card? Thanks for the tutorial.

[@dileevip]

No for double click they have to face or Touch ID

[@williamhughmurraycissp8405]

No. One must first satisfy the security of the device, e.g., facial, fingerprint, PIN. Double-click is just to prevent unintended payments.

[@JoshuaMeunier13]

I have Apple Pay setup with all my cards except Discover IT. Discover card just keeps getting errors so I just stopped attempting to add it. Tried for over a month with no useful help from Apple nor Discover.

[@littlenemo14]

Great tip re the designated card.

[@dileevip]

Thanks!

[@fjfjrfjfjr]

Well done sir. Very helpful! 👌

[@dileevip]

Thank you so much!

[@maggiejohnson9411]

I noticed someone tried to link their name to my Apple Pay. I immediately blocked them but how were the able to even try? Is Apple Pay safe?

[@jbimgomes]

I hear some channels about it but I never tried myself: When you setup a card on Express Transit option, it'll only works on transit terminals or any nfc enabled payment reader can charge the card without FaceID ?

[@dileevip]

Great question! For express it only works on transit terminals

[@jbimgomes]

@@dileevip Cool. I was concerned about the security issues. We don't have transit support here in my city, but I'll try next month on a trip. Thanks, great video :D

[@dileevip]

@@jbimgomes awesome! Good luck and hope you get to try it and it works well!

[@williamhughmurraycissp8405]

Again, not to worry. Express pay only works for cooperating transit systems.

[@ryanadams127]

The idea of excluding some of the CC credentials in the data transfer is great, even though you can still hack the Apple stream/mechanism or other wallet applications, if you get around or maybe directly in front of the encryption. You would then just be abusing the Apple pay process to your benefit. It stands or falls with how good the security measures of any paying process at the end of day are.

[@8372190]

Great presentation. Thank you. However, I wouldn’t use the last tip re express card. anyone who finds your lost phone could use it easily and pay automatically…

[@dileevip]

Yeah fair point. Tho I think if you lost your phone, you would just make sure it gets deactivated remotely so anyone who finds it can’t do anything

[@glenncol]

Using the express feature does this not open you up to NFC scanning hacks?

[@dileevip]

Yeah great question! I guess technically it could happen but seeing how secure Apple Pay has been and the fact that people in wider numbers have not reported any issues (for example no articles about this issue) you should be good

[@williamhughmurraycissp8405]

Not to worry. First, current NFC standards require a distance of no more than 2cm (there is a proposal to increase it to 4cm for improved convenience and speed). In any case, what passes over NFC in contactless payments is secure, not reusable. It is true that NFC is itself not secure but any required security is, as in contactless payments, built into the application.

[@mitchellquartero]

I use Apple Pay a lot mostly on my Apple Watch SE for nearly all of my purchases

[@dileevip]

Yeah it’s super convenient on the watch!

[@eileenomahony4309]

If you use use the express travel card, if your phone gets stolen, does that mean they can use it without unlocking and face recognition

[@dileevip]

I think they would be able to swipe into the subway turnstiles yes

[@melissabond3855]

yes and that is a bad point for this type of payment, that's why I don't have the express travel card activated.

[@rebelboxer6319]

with all the security cameras in place, seems like this would be a good way to catch the thief that stole your phone... cause thieves are know to be one sandwich short of a pic-nic...

[@hallianzz]

This express feature can it be used for normal payments as well like using it at a coffee shop etc ..

[@dileevip]

no, only for transit

[@hallianzz]

@@dileevip thanks mate for the quick reply

[@ryanfernandes1438]

I can’t use Apple Pay because I have a keycard but it does sound like a good option

[@SMX815]

Apple Pay is secure & seamless! Great video Sir 👍

[@dileevip]

Thanks so much for watching!

[@eddieroadrunner6691]

Can’t remember when I last used cash

[@funnylittlekidjr8700]

Thanks a bunch!

[@dileevip]

Thanks for watching!

[@shawnwilliams4187]

Great video, I do have and use Apple pay

[@dileevip]

Thanks for watching

[@dbeskan]

So if someone grabs your iphone from you and you have the "express on", they'll be able to use since no face id or code is needed? Please explain. Thanks

[@dileevip]

They will be technically be able to swipe into only transit portals. They can’t use Apple Pay on everything without Face ID. But I’m sure by then you’ll have your phone deactivated and reported as stolen

[@chipskylark5188]

do you still get all of your points? lets say you're using amex will ur points show up in the amex app like you would use a regular card?

[@dileevip]

Yep! It will still work like using your regular card

[@kevinkiernanoutdoors3413]

Can I apply my Apple Cash towards Apply Pay monthly statement?

[@dileevip]

yes you can! check out the section "Pay with Apple Cash or a different bank account" in this link support.apple.com/en-us/HT209226

[@billligon4005]

Explain Apple Card and how it works with Apple Pay??

[@hempracer]

Does Apple Pay have it'w own QR Code for people to pay you?

[@dileevip]

Apple does have an Apple Cash feature but it’s not super widely used as far as I know. Most people in the states seem to use Venmo

[@abchappell01]

Thank you so much 😊

[@dileevip]

Of course! Thanks for watching

[@gemlenz]

DOES THE EXPRESS TRANSIT ONLY WORK FOR TRANSIT

[@dileevip]

Yep exactly

[@ViaticalTree]

How am I using it wrong though?

[@BillSklodowski]

Did not know about the "transit card" option... very cool. But doesn't that make it less secure? If someone steals my phone, couldn't they charge stuff without my Face ID?

[@dileevip]

They would be able to swipe into transit but they can’t use Apple Pay without Face ID

[@ifixyourphonepr8149]

Just have a Macbook Pro, and cant pay i With apple pay, any reason? Its a headache, even no one in apple knows, they forwarded me from department to department 🙂

[@dileevip]

Sorry to hear you’re having problems. I’ve never heard of this issue before either though

[@strawberriesncandii]

This turned out well. But on the flip side if someone takes your information and it auto updates on Apple Pay then they can have your information to your new card before you do.

[@JohnM...]

How do you actually BUY something? I don't have a clue! (I don't usually use bluetooth, which I'm assuming you need, because I hate the idea of being tracked)

[@dileevip]

Hey John, any place that accepts tapless payment (most vendors now accept it) will also accept Apple Pay. You don't need bluetooth, it's NFC (near field communication). You should try it out! These days I use Apple Pay as my default and try to swipe my actual credit card less

[@ThatAverageMTBer]

You don't need bluetooth for apple pay also why don't you usually use Bluetooth?

[@williamhughmurraycissp8405]

Contactless payments use Near Field Communication (NFC) not Bluetooth. Current standards limit NFC to 2cm. while Bluetooth works for meters.

[@leosheppard8517]

Can also add directly from your banks app… add to wallet.

[@dileevip]

Nice tip!

[@chloerose519]

Hello ,banks doesnt provide apple pay bank statement for digital cards :/

[@mikewolf5367]

Time for a new bank, it sounds like.

[@LeslieNicole]

This was so helpful. I’m going to Paris next week so I hope I’ll be able to use my phone on the Metro there!

[@dileevip]

Glad it was helpful. I’m not sure if Paris system accepts Apple Pay yet the same way London and New York do but I hope it works. Lemme know if they do!

[@jules2565]

@@dileevip Thank you for this video! So, to recap, once I load up my wallet, I do not even have to open my phone or the app or anything if I am tapping into the London tube? I would just tap my locked phone? tia

[@dileevip]

@@jules2565 just make sure that the card you want to use is selected in settings -> wallet & Apple Pay -> express transit card. And then yes. Just tap for transit. No need to unlock phone, no need to verify with Face ID, just place the back of your phone on the scanner and you should be good to go!

[@jules2565]

@@dileevip Thank you! And if I choose not to create an express transit I just open my phone and the app will appear?

[@dileevip]

@@jules2565 not sure what you mean by open your phone and app will appear. If you don’t use express transit card, you can just use Apple Pay by double clicking the screen lock button

[@Iinuxct]

FYI: This is not just how Apple Pay works, this is how the whole ecosystem of wallet applications (known as software-based mobile payments, or SBMP) works, as mandated by the entity behind the orchestration of all major card brands, EMVCo. :)

[@northernpcp]

I'm 70 and a totally apple dude. Was wondering how Apple Pay works and your introduction really has my wife and I excited about it; as we are so "sick and tired" of being hacked and always waiting for the new cards to arrive. Very cool and concise explanation. My wife did ask one question : what happens if you lose your iPhone..can the person have a payday with your phone? I'll investigate this matter...But for now...Great job Amigo. *****

[@dileevip]

Thanks so much for watching! Hope you found it to be helpful. If someone takes your phone, they would still need the password or face id to get inside your phone. You can wipe your phone remotely and set it as lost so you should be fine!

[@BruceWayne_87]

Bro i want to buy some action figures online and the seller only demand apple pay as MOT.. Does Apple pay have buyer protection once we get scam?

[@dileevip]

Your credit card should have protection where you can do a chargeback. But follow your intuition. If you think they’re a scam don’t do it!

[@awothaile6602]

How about if you don’t have American Express credit cards can you still use different credit card as favorite one just curious ?

[@dileevip]

Yep you can add as credit cards as you like. They don’t have to be Amex

[@awothaile6602]

@@dileevip tanks !

[@dileevip]

@@awothaile6602 of course!

[@williamhughmurraycissp8405]

Today in the US one can enroll almost any debit or credit card in the Apple Pay Wallet. It does require the agreement of the issuing bank or credit union. However, today such agreement is all but universal.

[@chloerose519]

Hello again ,how can I get the bank statement without showing my real bank details on apple wallet?Thank you very much for the info you share Dilee

[@dileevip]

That’s a good question! Im honestly not sure. I think you might have to just go to your banks website to get that

[@chloerose519]

@@dileevip Thank you very much Dilee, I asked my bank , wait like for the response

[@dileevip]

@@chloerose519 great! Good luck and lemme know if you have any other questions

[@emiliumax]

i wonder if the express transit card works on bus contactless readers...

[@dileevip]

Definitely works in NYC bus

[@kingfu987]

If I use Apple Pay to buy something on a website. Is my debit/credit card that I’m using, hidden from them or not? Or is Pay Pal a better option for privacy/safety?

[@dileevip]

yes it is hidden. paypal is the worst for privacy

[@williamhughmurraycissp8405]

The merchant sees your verified name and address but not not your card number. In lieu of your card number they get a digital token that guarantees they will be paid.

[@williamhughmurraycissp8405]

@@dileevip All proxy systems,including PayPal and Apple Pay, are the preferred method for paying online. I do not understand your comment about PayPal. What am I missing.

[@DanteVelasquez]

Not a fan of express transit because it has activated by accident and double charged me and other people. Metro cards are getting phased out here in NYC soon so we all have to switch to wireless payments anyway. I don't mind authenticating 🙂

[@dileevip]

Oh this is a good point!

[@DanteVelasquez]

@@dileevip yep I was very annoyed lol

[@wattahouz100]

Such a cool and informative vlog. I’ve always wanted to know the real deal/hype about Apple Pay. Thanks for clearing that up for me. ✌🏼

[@dileevip]

Of course! Glad you found it helpful!

[@thebritishindian1]

Physical card replacement, whilst using your digital replacement, carries one major security risk. If somebody intercepts your mail, that new physical card is active in transit. It has to be active in order for your digital replacement card to work. Whereas before, even if somebody stole that physical card, it would not be active. The credit card companies have not separated the two.

[@dileevip]

Oh this is a great point and has also happened to me! Lol

[@johnconstable8512]

ty

[@dileevip]

Thanks for watching!

[@ZikoCourse]

Yeah I have a problem I am updated to the latest version on my iPhone 8 And I am in the UK But I cannot add a transit card Let me explain when I open the wallet app I don’t see the ability to add a transit card or passes I don’t see the possibility to scan please help me please I am freaking out

[@dileevip]

Hey dont freak out! Not from the wallet app, you need to do it from the settings app, and then go to wallet. Lemme know if it works!

[@ZikoCourse]

I cannot either

[@mohdismin8325]

can apple pay be used on ipad ?

[@dileevip]

Yep you can!

[@user-to9oq4fp5t]

Apple Pay is very useful

[@dileevip]

yes it is!

[@Jay_.2006]

where are you from?

[@xenofr]

Does apple make money on each transaction ? Is there any alternative app ?

[@dileevip]

It does make a small amount on each transaction. I’m not aware of alternatives besides switching to android

[@northernpcp]

Me again....lol. We can see it is not much of a problem at all. Keep on, Keeping on! Regards

[@dileevip]

Awesome! Lovely to hear!

[@madaabm1597]

Hi! In my Wallet application, when i click add a card, a window appears with the message to find such a button on the website or application of the bank. I click on the add Apple Pay button in the app and it takes me back to the Wallet. And so in a circle and the map is not added. How can i fix that? And is not the region..

[@mikewolf5367]

Are you sure your card provider or bank support Apple Pay?

[@mary-annehaupt8841]

Be sure your preferences in settings are set to your actual country....I kept getting that message and I wasn't set to Canada. As soon as I corrected that, it all worked! Good luck!

[@cherrytopping6739]

Does it work with all iPhones?

[@dileevip]

Apple Pay works with any iPhone after iPhone 6. So if you have an iPhone from past 9 years, it will work!

[@mikaelekstrom9553]

So how did apple know your new card before you got it?

[@dileevip]

Great question! I think Apple Pay communicates with the bank so it knows it’s the same account just with updated card number

[@antreaserobinson7995]

Does anyone know how to re-add a deleted card ? I continue to receive “the card is already in the wallet” when I try to re-enter 🤷🏽‍♀️🤦🏽‍♀️

[@dileevip]

Dang sorry to hear! Have you tried to turn off your phone and on again? Simple but effective!

[@williamhughmurraycissp8405]

Select the card that you wish to delete in the Apple Wallet, tap the three little dots at the top right, choose card details, go to the bottom of the resulting screen, and press the "remove card" option.

[@TheParot161]

Great video! Sadly, Lowe’s and Home Depot are still stuck in the Stone Age. My understanding is at Home Depot has an agreement with PayPal, so they won’t do Apple Pay. And Lowe’s, as well, stuck in the stone age.

[@dileevip]

That’s crazy! Can’t believe places like that don’t take Apple Pay!

[@I7470]

Then stop going to them and let them know that you won’t come in again until that Apple Pay logo appears on the front of the stores and they will have no other option but to do it. Consumer has the power and use it.

[@markIrSa]

This is a USA problem. In Canada, everything accepts Apple Pay that has contactless payments. That includes Walmart that usually doesn’t accept it in the US. It’s also a shocker how slow the US is at adapting contactless, even pre covid 99.99% already accepted Apple Pay and contactless here

[@raygold1]

Nor will Walmart accept Apple Pay

[@WestCoastAce27]

Ralphs - which is part of Kroger - finally gave in this year. Kroger wanted people to use their app. Not sure why Home Depot is holding out. The self checkout kiosks appear to have equipment to accept contactless.

[@1967dragonaxe]

More secure than a physical card? Has anyone read the entire EULA to make sure of that?

[@TheWatcher66]

Tokenisation. Best invention ever. ❤

[@deepagurung7354]

I have added only one card on my wallet and I did enabled for express transit but every time I try to pay contactless ,, I need to put my passcode… it’s so annoying I just wanted to tap and go but every time putting passcode is so annoying,, 😢

[@dileevip]

Ah dang that sucks. The express transit only works for transit. For everything else you still need to out in your password or do Faceid or touchid. Hope that helps!

[@deepagurung7354]

I am from Singapore I have seen other people just tap n go in their phone at train station I don’t know why in my it’s not working…. Rather than doing passcode thing I would opt for credit card tap n go…….. 😔😔😔

[@dileevip]

@@deepagurung7354 dang that sucks to hear. Hope it works for you soon!

[@williamhughmurraycissp8405]

In the US Express pay only works with cooperating, mostly transit, systems and for small payments. An iPhone with Express Pay enabled and a contactless card work identically. Note that Express Pay is an Apple Wallet, not Apple Pay, feature. The charge goes directly to the default card that you designate for Express Pay, not through Apple. Note that all contactless payments require a careful balance between convenience and security, Most payees get it right, either initially or quickly. Such balance depends in part upon whether or not the transaction is online. The risk is to the payee, not the card holder. In Europe, where many contactless applications are not online, one must enter a PIN for contactless card transactions over a threshold amount.

[@alexbishop5870]

I LOVE ApplePay - I use it for everything! Just wish Apple would let Melbourne (Australia) users use it on public transport! Android users have been supported for YEARS Apparently Apple are making it difficult!

[@dileevip]

I love Apple Pay too! For how great Apple is I don’t find it surprising that they are making it difficult. Sounds like Apple

[@WestCoastAce27]

Are you sure Apple is the problem? For many yrs AU banks refused to give Apple their small cut. Quite possible that’s the issue w the MEL transit co. Here in the States my huge grocery store chain held out until earlier this year.

[@PracticeMakePerfectMuslim93]

apple pay make it easier 😊

[@Peter-mj6lz]

I need to learn to use multiple apple pay cards. Because it’s so convenient it’s too easy to lose track of your payments imo.