Apple Pay Rules

Did you know that it’s been nearly 3 and half years since Apple Pay was launched in the UK?!

If you’ve been living under a rock these last few years and don’t know what Apple Pay is, it’s a way of paying for things using your Apple iPhone rather than a contactless credit or debit card.

Don’t worry Google and Android users. I’m going to be talking about Google Pay and Android Pay next week!

If you are an Apple user and have used Apple Pay you may be comfortable knowing how it works and how you can use it. But there may still be a few benefits and features of Apple Pay that you haven’t considered.

Here are the facts.

Apple Pay Benefits and Features

#1 – You can use it to pay for contactless payments over £30

  • There is technically no limit to the transaction charge for Apple Pay (providing you have the money in your bank or on your credit card).
  • This is different to the £30 limit for contactless debit and credit cards.
  • However it will still depend on the card machine software used by the retailer.
  • Apple say over half of retailers accept charges over £30

#2 – You can use it to pay for things online

  • If you have an iPhone, iPad or use the Safari web browser and the online shop accepts Apple Pay, you can pay without setting up and entering your card details.

#3 – It’s more secure

  • For a start, if someone steals your phone they will have a hard job using your Apple Pay unless they have your finger or your face!
  • Your card details are never shared with the retailer and are never stored on your Apple device.
  • This is a really cool feature of Apple Pay especially in light of so many websites now getting hacked and card details stolen. Find out if you’re a data breach victim.

#4 – You still get credit card protection

  • Unlike other payment apps like PayPal, if you pay with your credit card via Apple Pay you still get section 75 protection

#5 – It’s just way more convenient

  • You can store multiple cards on your Apple Pay account.
  • You don’t need to remember to take the right card with you every time you go out.

Personally I’m still getting used to Apple Pay on my new iPhone which uses facial recognition instead of the fingerprint scanner. I kinda feel that this isn’t as easier as it was with the fingerprint scanner. What’s your view? Please share your thoughts in the comments below.

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