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What is Apple Pay and how does it really work? Which Apple iPhones support Apple Pay?

Joy fills all iPhone and Apple Watch owners.

The fastest, most convenient and safest way to pay for goods and services offline and on the Internet - Apple Pay - is now available to clients of Russian banks.

What is Apple Pay?

Apple Pay is where you can pay for purchases and services in stores and online with your iPhone or Apple Watch. There is no need to insert or connect the device anywhere, and there is no need to hand it over to the seller either.

You authorize the purchase with your fingerprint, as when unlocking a smartphone, or you press the button on the watch twice, bring it to the terminal into which you usually insert a bank card, pip-pip - and the purchase has already been paid for. Instantly and safely. No cash, and now you don’t even need to reach into your wallet for a card.

What devices support Apple Pay?

Apple Pay was introduced in the US two years ago and is supported by iPhones and Apple Watches released in 2014 and later:

  • iPhone 6;
  • iPhone 6 Plus;
  • iPhone 6s;
  • iPhone 6s Plus;
  • iPhone SE;
  • iPhone 7;
  • iPhone 7 Plus;
  • all Apple Watch models.

Owners of iPhone 5 and iPhone 5s can also use Apple Pay, but only on the Apple Watch.

How does Apple Pay work?

Inside the modern iPhone and Apple Watch there is a special small chip that allows you to exchange data over a distance of several centimeters. You authorize the purchase and bring your smartphone or watch to the terminal. This is where banking mechanisms come into play. What is happening at this time is sophisticated technology. Protected, safe, but very fast. The process only takes a split second and the purchase is already completed.

So this is NFC?

Yes and no. In fact, Apple Pay is much more than that. The part responsible for contactless payments actually works based on NFC technology and is therefore compatible with all existing terminals.

Banks have been issuing cards with NFC chips for a long time. Owners of Android devices can also pay for purchases with their smartphone using third-party applications. Contactless payment technology has been tested, debugged, absolutely safe and reliably protected.

Apple Pay is not only payment via NFC, but also a full-fledged payment system that protects the user’s money and data everywhere, including when shopping online. Additional security is provided through the use of dynamic codes, which are transmitted instead of payment card data and keep user information secret.

Is this really safe? I was told this...

The chatter about the risks of contactless payments, including double charges and attackers with “hacking devices,” is nothing more than rumors spread by people who know nothing.

Even if you lose your smartphone or watch, the risk of losing money is zero. The person who finds the device will not use it without your fingerprint and will not receive your payment information, and the standard Find My iPhone utility, which remotely disables the payment function on your smartphone and watch, will help you to be on the safe side.

In the US and some other countries, Apple Pay has been working flawlessly since 2014. This system has been tested by time and billions of completed purchases. Everything is protected, like in a federal gold vault.

How do I know if my bank supports Apple Pay?

Read the news on the bank’s website and social networks, call support. Typically, the most progressive banks are the first to introduce innovations. For example, Rocketbank announced support for Apple Pay immediately. We have already checked it in the nearest store - everything really works.

What if my bank is slow to accept Apple Pay?

Change bank, probably. It's a matter of your priorities. Conventionally, people are divided into two groups:

  1. Those who put the size of the bank above all else.
  2. Those who put convenience and profit above all else.

If you follow our example and start looking closely at progressive banks, then pay attention to Rocketbank.

Rocketbank is part of the Otkritie banking group. Clients' savings are protected by the state deposit insurance system.

Rocketbank has good support, one of the most convenient banking applications with a bunch of useful things like automatic notification and payment of fines, as well as excellent conditions for cards, extremely favorable for both savings and purchases.

Rocketbank offers 8% per annum on the balance with monthly capitalization, 1% cashback on all purchases, free service, free card issue and 500 rubles to your account simply for opening a card.

The contactless payment system Apple Pay is increasingly gaining popularity. Many users are already starting to take advantage of the bonuses that the service provides. Apple Pay saves time by simplifying the transaction process, and also significantly increases the level of profile security, reducing the risk of hacking by attackers.

The numerous advantages of the payment system are encouraging more and more users to start using Apple Pay. This raises the question: which phone models support Apple Pay?

Which smartphone models support Apple Pay?

So, correct operation of the system will be ensured only on the following iPhone models:

Apple Pay goes to any smartphones on the list. Using the above phone models, you can make any payment transaction via Apple Pay. New models of Apple smartphones do not require additional conditions for the application to work.

Does the system work on older smartphones?

It's worth figuring out which older phone models Apple Pay works on. Unfortunately, there is no service and it cannot be installed, but with the help of these models you can set up Apple Pay on. However, you will not be able to pay for purchases using older phone models. This is due to the fact that later models do not have an NFC (Near Field Communication) module, thanks to which the program operates. The contactless communication system allows the client to pay for purchases while being at a distance of 20 cm from the ATM or payment machine.

This is how Apple Pay works - the answer to the question “which phones support the system” lies in the presence of this module.

Due to the fact that NFC technology operates at some distance from the terminal, many are worried about the security of the profile. It is worth saying that Apple Pay has strong security, which requires entering a one-time password when logging in, as well as confirmation using the Touch ID system on your device. An attacker will not get into your account.

How to use Apple Pay on older models?

Now you know which smartphones support Apple Pay: models equipped with an NFC module. If you don't have a new phone from this company, don't worry: there is a way to allow older models (iPhone 5/5s/5c) to work with the application. A prerequisite is the presence of an iWatch. It is worth considering that only models such as iWatch 1st generation, iWatch series 1 and iWatch series 2 are suitable for iPhone 5/5c and iPhone 5s.

However, many who are wondering “which phones can you install Apple Pay on” do not know that using older device models (iPhone 5,5c,5s) you can link your account to your Apple Watch. To set up Apple Pay on Apple Watch, you need to:

Now you know which devices support Apple Pay and how to set up the service on your smartphone.

Apple developed a proprietary contactless payment system in 2014, called Apple Pay. Its main feature is that the technology supports a number of modern readers - for example, Visa PayWave and MasterCard PayPass. Despite the fact that almost every modern smartphone from the company supports the contactless payment function, many users often wonder whether they can pay at various establishments without a card. In this article we will tell you which iPhones Apple Pay works on and how to use the system.

What devices can you use the technology on?

To make contactless payments, you need to make sure in advance that the hardware contains an NFC chip. It is specially designed to support the exchange of information over a short distance. It is noteworthy that the chip was not installed in flagships of early model years. Accordingly, problems arise in using money transfer systems through mobile devices on a number of Apple devices.

A natural question arises: which iPhones support Apple Pay? The previously mentioned chip began to be installed in sixth-generation smartphones. This includes:

  • iPhone 6;
  • iPhone 6+.

This generation became a kind of starting point, after which the use of this technology became possible in later models. It became possible to use the contactless payment option in the seventh and eighth generations. You can also pay for purchases using the iPhone X, the tenth anniversary smartphone model. Apple Pay is supported on iPhone SE smartphones.

Many people are wondering whether it is possible to use this option on the iPhone 5 and iPhone 5s smartphones? On the one hand, the Apple Pay system is already available. But due to the lack of an NFC module, unfortunately, you won’t be able to pay using a contactless method. A logical thought - then why did the developer add this application to a smartphone that does not support contactless payments? It's simple - the phone can still be used for cashless purchases, but only if it is synchronized with the Apple Watch.

The algorithm is as follows: you need to touch the watch to the terminal, as a result of which it will instantly transmit a signal to the smartphone. After confirming the payment, the data is sent again to the watch, which confirms the purchase to the terminal.

Using Apple Pay for Sberbank cards

To connect the contactless payment system, the user first needs to install the Wallet program. Having opened it, authorization is carried out using your own Apple ID. Once the login is completed, the device owner will be able to add a new payment card. After selecting the appropriate function, the user will have to take a photo of his bank card. An alternative option is to enter all data manually.

At the next stage, the entered information is confirmed using a code that is sent by Sberbank to the card owner’s number. You can verify the possibility of making payments through a contactless system by receiving a message about successful card activation.

Connecting a card to Sberbank Online

Almost the same scheme for adding a card is provided for branded applications developed by other banks. To clarify additional information regarding the features of activating the option, it is recommended to go to the official website of the banking institution or read the instructions in the application store.

Usage

Once you understand which devices support Apple Pay, you can start making payments. Using the system is extremely simple. All that is necessary is to place the phone as close as possible to the payment terminal. You don't need to open Wallet. The device will automatically scan the terminal and request confirmation of the operation using a fingerprint. After authorization via Touch ID, the operation will be completed - the money will be debited from the bank account, and in response the cashier will hand over a paper check. Using Apple Pay is as convenient as possible!

The Apple Pay application appeared in Russia in the fall of 2016. Since the launch of the program, Apple Pay has been set up by a large number of users. Every day, payments for certain purchases are made using the contactless payment system.

Many who want to start using Apple Pay are interested in which Apple iPhones the service works on. In fact, the list of devices is large: there will be no problems registering in the system.

Security, reliability, high speed of operations, ease of payment are not the only advantages of the system. With various cash bonuses and incentives, the app has amassed a large user base.

Which iPhones support Apple Pay?

The application works on the following iPhone models:

So, we figured out the Apple Pay app: which models have the payment service and the ability to make payments. But why does the work only work on new device models? This is explained by the fact that older models are not equipped with special NFC (near contactless communication) technology, which helps connect the smartphone to the terminal. Due to its absence, the payment cannot be completed.

However, many continue to wonder which older iPhone models support Apple Pay. Unfortunately, such devices do not work with the system, but with the help you can set up Apple Pay on your watch. The fact is that connecting the card to the watch can only be done using an iPhone. The payment itself will also be made using the watch: this device has a built-in NFC module. Unfortunately, all iPhones older than versions 5s, 5, 5c do not support Apple Pay, even with iWatch.

How to connect an Apple Pay account to iWatch?

If you own an iWatch, you no longer have to worry about how to set up the service and which iPhone models Apple Pay works on. As we found out, the service will not work on the old model, only with iPhone 5/5s/5c in conjunction with iWatch. Connecting the watch to the device is very simple. First, make sure that the watch model really supports the system (Apple Watch 1st generation, Apple Watch series 1,2 is allowed).

To link a card to iWatch you need to:

  • Open the Apple Watch app on your iPhone.
  • Find the “Wallet and Apple Pay” option. To do this, scroll through the list of tabs and click on the one you need.
  • Add a map. In the tab that appears, you will see information about the attached card. To the right of it is the “Add” button, clicking on which will link the card to the clock. If the bank card is not yet registered in the system, click on the “Add payment card” button.
  • Complete activation of Apple Pay on iPhone and iWatch. To do this, enter your card details, in particular the security code, which is located on the back of the card. Click “Next” and wait for registration to complete. At the end, you will receive a notification that the card binding is complete.

Many people wonder how to install . Unfortunately, this action is impossible even if you have an Apple watch.

How does Apple Pay work on iPhone 6, 6Plus, 6s, 6s Plus, 7, 7 Plus?

The connection between the device and the terminal is made using a special chip built into every iPhone. This chip exchanges data at a short distance from the terminal. After connecting, you must click on the Touch id button to confirm the payment. The built-in NFC module will complete the operation.

How to enable Apple Pay on iPhone?

To link your card to your Apple Pay account, you must:

  • Open the Wallet app.
  • Click on the “+” sign to add a payment card to the system.
  • Fill in the required data/take a photo of the card.
  • Complete registration by waiting for a notification that the card has been successfully linked.

It's worth making sure that the contactless payment app on your iPhone actually works with your bank card. To make sure of this, read the rest of the articles on our site - all the necessary information is collected here. As a rule, information about cooperation is indicated there. It is worth remembering that at the moment only Tinkoff Bank and Alfa Bank work with Visa and Master Card cards, and all others work only with the second type of payment system.

How to set up Apple Pay on iPhone?

Once you have linked the card to the system, you do not have to turn on the system additionally. Apple Pay starts working automatically. To verify this, open the Wallet app. If you see a small window with iPay there, rest assured that the application is already working!

However, if you are unable to make a payment, it is worth taking a closer look at how to connect Apple Pay on your iPhone. Make sure Touch ID is activated. To do this, go to your phone settings and open the “Touch id” tab. Enter the password code and turn on the technology.

How to use Apple Pay on iPhone?

In order to pay for a purchase, you need to make sure that the terminal really supports this payment method. As a rule, terminals and machines have the iPay sign, which confirms the possibility of performing this operation. In addition, you can check which stores accept contactless payment with an iPhone on our website. Now almost all large stores and establishments in the country work with the system, providing customers with pleasant bonuses and discounts.

How to pay from iPhone via Apple Pay?

If you pay in store:

  • Touch the Touch ID button by bringing the device close to the terminal.
  • Hold your smartphone at a short distance from the device and wait for confirmation of payment completion.

If you use contactless payments on iPhone in an application/online store:

  • Find the “pay with Apple Pay” button. Click on it.
  • Hold your finger on Touch ID and wait for the payment to complete.

How to disable Apple Pay on iPhone?

Unlinking a credit or debit card from your account is very simple:

  • Open iCloud. On the website, go to settings, in the “My Devices” tab that appears, select the one you need.
  • Click “delete” or “delete all” in the list of registered cards.

Now you know everything about the system: what Apple Pay is on iPhone and how to use this service.

The Apple Pay payment system was officially launched in Russia on October 4, 2016. If you have not previously been interested in the features of the service, then the time has come when you need to find out about the features of the service, find out whether your devices support Apple Pay, familiarize yourself with the list of banks cooperating with the system and clarify all other details of interest. We have collected answers to all your questions about Apple Pay in this article.

What is Apple Pay

Apple Pay is Apple's mobile payment system, announced on September 9, 2014. Apple Pay is based on NFC (near field communication) technology, which allows you to pay for services and goods without using credit cards. To pay, the buyer only needs to bring the iPhone or Apple Watch to a special reader, which will carry out the transaction in a matter of seconds.

Which devices support Apple Pay?

You can make contactless payments in stores using Apple Pay on the following devices:

  • iPhone 6/6 Plus.
  • iPhone 6s/6s Plus.
  • iPhone SE.
  • iPhone 7/7 Plus.
  • Apple Watch.
  • Apple Watch Series 2.

Smartphones iPhone 5, iPhone 5c and iPhone 5s also have support for Apple Pay, but payments can only be made using the Apple Watch smart watch, since the “fives” are not equipped with NFC modules.

Payment for purchases using Apple Pay on the Internet is possible on all of the above devices, as well as on:

  • iPad Pro, iPad Air 2, iPad mini 3 and newer models.
  • Mac 2012 or newer synced with iPhone or Apple Watch (Mac must have ).

How to set up Apple Pay

Step 1: Go to the application Wallet and press " Add a credit or debit card».

Step 2: Enter your card details. If you're adding a card that's used for purchases in the App Store and iTunes Store, simply enter the security code.

Step 3: Click " Further" Your bank will review the information and determine if you can add your card to Apple Pay. Please note that the bank may require additional information, which will need to be entered if necessary.

Step 4. After successfully adding the card, click " Further" You can now pay for purchases using your iPhone using Apple Pay.

How to make purchases with Apple Pay

In order to pay for a purchase via Apple Pay, you need to bring your iPhone to an NFC terminal that supports the payment system. An image of the card will appear on the smartphone screen, after which all that remains is to confirm the payment using the Touch ID scanner. This process takes a matter of seconds.

Paying for purchases using Apple Watch is just as easy. You need to double-click the side button located below the Digital Crown, select a card (or leave the card installed by default) and bring the watch to the NFC terminal.

Commission when paying for purchases using Apple Pay

When purchasing using Apple Pay, the buyer is not charged any fees. Apple takes 0.15% of each transaction made through Apple Pay from partner banks.

Is it safe to use Apple Pay?

Making payments using Apple Pay is much safer than using bank cards. Firstly, due to the fact that payment confirmation is performed not using a PIN code, but by scanning the user’s fingerprint.

And, secondly, due to the fact that when making a payment, the seller receives not the buyer’s credit card data, but a unique card identifier (Device Account Number) and a specially generated dynamic security code, unique for each transaction. Thus, neither a careless seller nor attackers who intercepted payment data will be able to use it with malicious intent.

What to do if an iPhone or Apple Watch with Apple Pay configured is lost

If you lose your iPhone or Apple Watch on which the Apple Pay payment system is configured, the service must be blocked remotely using the “ ” function. However, even if you were unable to quickly block the function, you won’t have to worry about the safety of your funds. As we have already written, money is withdrawn from the card only after confirmation of the payment by scanning a fingerprint.

When will Apple Pay launch in Russia?

The official launch of Apple Pay in Russia took place.

Which banks work with Apple Pay?

At the time of the launch of Apple Pay in Russia, the payment system began working only with Sberbank. Mastercard credit and debit cards are supported. In the future, other banks may begin to support Apple Pay: Raiffeisenbank, Yandex.Money, Tinkoff, B&N Bank, Otkritie, VTB 24, Alfa Bank and Russian Standard. All of the listed banks participated in testing the Apple payment service in Russia.

For owners of iOS devices.