Apple Pay

From Wikipedia, the free encyclopedia
Jump to navigation Jump to search

Apple Pay
Apple Pay logo.svg
Apple Pay on an iPhone and an Apple Watch
Apple Pay on an iPhone and an Apple Watch
Developer(s)Apple Inc.
Initial releaseOctober 20, 2014; 4 years ago (2014-10-20)
Operating systemiOS 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
Platform
LicenseProprietary
Website

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,[1] it is similar to contactless payments, with the addition of two-factor authentication via Touch ID, Face ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.

Originally launching in the United States, Apple Pay is available in the United Kingdom, Canada, Australia, Brazil, the United Arab Emirates, Saudi Arabia, Russia, Kazakhstan, China, New Zealand, Singapore, Japan, Taiwan, Hong Kong, Macau, Georgia and all countries in the European Economic Area (EEA).[1] Apple Pay supports both international payment schemes—such as American Express, Visa (including Electron and V Pay), Mastercard (including Maestro), and Discover—as well as country-specific domestic payment schemes like China's UnionPay, Japan's JCB, France's Cartes Bancaires, Australia's eftpos and Saudi Arabia's mada. Participating banks vary by region. Apple Pay can also be used to ride some public transport networks[2] either through the use of credit/debit cards (open loop) or dedicated travel cards such as Japan's Suica (closed loop).

Service[edit]

Device compatibility[edit]

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 iPhone 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.)[3] Instead, Apple Pay is activated with a passcode and remains active for as long as the user wears the Apple Watch,[4] it can store eight or 12 cards depending upon the device.[5]

Technology[edit]

Apple Pay uses[6] the EMV Payment Tokenisation Specification.[7]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [...] generated for each transaction".[3] 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.[3]

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID,[3][8] or passcode,[8] whereas Apple Watch users authenticate by double clicking a button on the device.[9] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[3] 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 issuer's 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;[10] the settlement time depends on the payment method chosen by the customer. (An exception being payments made using a Japanese Suica card, which stores the user's balance on the card itself and can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £30 (previously £20 until August 2015)[11] as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below).[12] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[3] 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.[13] Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[14] 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.[15][16] 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.[17]

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 £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.[18]

Express Transit[edit]

As of iOS 12.3, supported credit and debit cards, as well as some add value transit cards (such as: Shanghai & Beijing transit cards, Suica, MTA and TriMet) can be used to pay for journeys on certain public transit networks without requiring the user to authenticate the payment with Touch ID or Face ID.[19] Once a supported credit, debit or transit card is selected as a user's Express Transit card, the user can simply hold their device near the reader on a supported transit gate to complete payment.

On iPhone XS and iPhone XS Max, Express Transit cards can be used even if the device has powered off due to a drained battery, this feature can last for five hours after the device has powered off.

Express Mode is also available for contactless student ID cards stored in the Wallet app.[20]

Global acceptance[edit]

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 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 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.

Peer-to-Peer (P2P) Payments[edit]

Apple Cash (formerly Apple Pay Cash) is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Discover. Alternatively, the user can choose to transfer the balance to a nominated bank account via wire transfer. Apple Cash is only available in the United States.[21][22]

History[edit]

2013[edit]

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[3] 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.[13] 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.[23] MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments";[23] 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.[3] 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.[13]

2014[edit]

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";[3] the iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[3][9][24] The company announced an API for app developers to build Apple Pay checkout into their apps.[3]

2015[edit]

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.[25] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[26] and Chinese users could start to use Apple Pay on February 18, 2016.[27]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[28]

2016[edit]

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.[29]

On April 27, 2016, ANZ made Apple Pay available to their American Express and Visa cardholders in Australia.[30][31]

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[32] 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.[33]

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.[34] 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.[35]

On May 19, 2016, Chime Banking initiated its support of Apple Pay.[36]

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.[37]

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.[38]

On June 1, 2016, KFC has announced that it accepts Apple Pay at some of its U.S. restaurants, with nationwide adoption to be completed by the end of the summer.[39]

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;[40] the company is keeping up with its rivals in adopting the payment service as Caviar, DoorDash, and Postmates.[41]

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[42]

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.[46]

Under a partnership with American Express, Hong Kong and Spain will also get Apple Pay support in 2016.[47]

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[48] detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported.[48][49] Wells Fargo and JPMorgan Chase are both working to integrate Apple Pay support into their ATMs.[50]

On August 18, 2016, Apple announced it has added Apple Pay support for customers of Yorkshire Bank and Clydesdale Bank in the United Kingdom.[51]

On August 29, 2016, ANZ expanded their support for Apple Pay to support MasterCard holders in Australia.[52]

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which 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.[53][54][55]

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.[56]

On October 13, 2016, Apple Pay rolled out in New Zealand, available to customers with Visa credit or debit cards issued by ANZ.[57]

On November 15, 2016, Apple Pay was made available to credit unions and minor banks under the Cuscal network in Australia.[58]

On December 1, 2016, Apple Pay started operating in Spain available to customers with cards issued by American Express, Banco Santander, Ticket Restaurante and Carrefour.[59]

2017[edit]

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 7, 2017, Ulster Bank and KBC Bank Ireland became the first banks in Republic of Ireland to launch Apple Pay.[60][61]

On March 29, 2017, Apple Pay launched in Taiwan with seven 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 May 18, 2017, Apple Pay expanded in Ireland to include bank Allied Irish Bank.

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.[62]

On October 23, 2017, Apple Pay expanded to Sweden, Denmark, Finland, and the United Arab Emirates.[63]

On October 24, 2017, BNZ (Bank of New Zealand) became the second bank in New Zealand to offer Apple Pay to their customers with eligible Visa cards.[64]

On November 28, 2017, Bendigo Bank was the first bank after the denied ACCC authorisation to roll out Apple Pay to its Mastercard customers.[65]

On December 14, 2017, Apple approved for UK banks to provide Apple merchant accounts.[citation needed]

2018[edit]

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.[66]

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.[67]

On April 4, 2018, Apple Pay launched in Brazil with Itaú Unibanco (including Credicard).[68]

On May 1, 2018, Apple has confirmed that Apple Pay will arrive in Norway, Poland, and Ukraine as it announces its fiscal second quarter results for 2018.

On July 31, 2018, Tim Cook announced on the Q3 2018 Earnings Call, that Apple Pay would launch in Germany later in 2018.[72]

On August 14, 2018, Apple Pay expanded in Brazil to include Banco Bradesco and Banco do Brasil.[73]

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.[74] 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.[75]

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![76] 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.[77]

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.[78] 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.[79]

On December 14, 2018, Commonwealth Bank announced Apple Pay on its social media, which would launch in January 2019 for its customers.[80]

2019[edit]

On January 14, 2019, Apple Pay was confirmed by local banks in Czech Republic,[81] where it is expected to launch on February 19,[82] and Slovakia and Slovenia with launch expected during March.[83]

On January 18, 2019, Apple Pay announced support for dual network debit cards in Australia. ANZ Visa debit cardholders can choose to pay via the Visa network (Credit) or the eftpos network (savings and cheque).[84] 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.[85]

On January 22, 2019, Apple reportedly rejected a plan to launch[86] Apple Pay in Belarus.

On January 23, 2019, after two years of the declined ACCC determination, Commonwealth Bank and its subsidiary Bankwest rolled out Apple Pay to personal cardholders.[87][88]

On January 28, 2019, news surfaced in Germany[89] 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%.[90]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[91]

On March 27, 2019, Austrian bank Erste Bank und Sparkasse, prepaid service boon. from Wirecard, German bank N26, Slovakian bank Slovenská sporiteľňa,[83] and Romanian banks ING Bank Romania and Banca Transilvania announced that Apple Pay is coming soon to Austria, Romania, Estonia, Greece, Portugal, and others.[92][93][94] 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.[95]

On April 2, 2019, Apple Pay had its first addition of banks in Germany after the launch in late 2018.[citation needed] Consors Finanz (BNP Paribas), Monese, Viabuy,[96] Crosscard,[97] and Fleetmoney[98] joined the 12 launch banks.[citation needed] Westpac New Zealand launched Apple Pay on this date as well.[99]

On April 4, 2019, Slovakian bank mBank announced upcoming support for Apple Pay on their website.[100]

On April 4, 2019, BGL BNP Paribas bank announced on Twitter account that Apple Pay is coming to Luxembourg soon.[101]

On April 12, 2019, Portuguese bank Crédito Agrícula announced upcoming support for Apple Pay on their website.[102]

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 April 24, 2019, Slovakian bank Tatra banka announced upcoming support for Apple Pay on their Facebook page.

On May 1, 2019, ING announced that it will bring Apple Pay to the Netherlands, being the first Dutch bank to do so.[103]

On May 8, 2019, Apple Pay launched in Iceland with Landsbankinn and Arion Bank.[104][105]

On May 15, 2019, Monese announced that they will bring Apple Pay to Bulgaria, Croatia, Cyprus, Estonia, Greece, Italy, Lithuania, Liechtenstein, Latvia, Malta, Portugal, Romania, Slovakia and Slovenia.

On May 21, 2019, NAB and its subsidiary UBank rolled out Apple Pay. Apple Pay is available in Hungary (with Maestro and MasterCard) and Luxembourg. [106][107] Monese started supporting Apple Pay in Iceland & Norway. Portland area transit card Hop Fastpass began Apple Pay support.[108]

On May 29, 2019, Revolut started support for Apple Pay in the United Kingdom and France.

On May 30, 2019, Revolut started support for Apple Pay in Belgium, Czech Republic, Denmark, Finland, Germany, Iceland, Ireland, Italy, Norway, Poland, Spain, Sweden, and Switzerland.

On June 11, 2019, Apple Pay launched in the Netherlands with ING. Also Monese started supporting Apple Pay in Austria.

On June 12, 2019, Banca Comercială Română announced that it has been working with Apple to implement Apple Pay in Romania.

On June 18, 2019, Deutsche Kreditbank launched Apple Pay in Germany to its over 4m customers, being the 20th bank to launch the payment service to customers in the country.

On June 26, 2019, Apple Pay officially launched in Romania with the support of the following banks: Banca Transilvania, ING Bank, Unicredit Bank, Orange Money, Edenred, Revolut and Monese. In Greece Apple Pay launched with the following banks: Revolut, Monese and N26. Edenred Greece also started supporting Apple Pay. Apple Pay was also launched in the following countries: Bulgaria, Croatia, Cyprus, Estonia, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Slovakia and Slovenia. In Germany, the co-operative Volks- und Raiffeisenbanken (through BVR)[109] and the public savings bank Sparkasse announced[110] an Apple Pay launch later in 2019; the two banks have a combined retail banking market share of around 70%.

On July 2, 2019, support for Apple Pay rolled out to customers with Erste Bank (with VISA card support too) and Granit Bank in Hungary and Klarna in Germany. Moreover, Apple Pay officially launched in Faroe Islands with Betri Bank.[111]

On July 10, 2019, support for Apple Pay rolled out to customers of Islandsbanki in Iceland.[112]

On July 12, 2019, Head of the Digital Technologies Department of the General Directorate of Payment Systems and Digital Technologies of National Bank of the Republic of Belarus, Anton Padrez announced upcoming support of Apple Pay[113][114] in Belarus by the end of 2019 on FinMobile conference.

As of July 16, 2019, all countries in the European Economic Area (EEA) support Apple Pay since the expansion of Monese and Revolut.

On August 6, 2019, Apple Pay launched in Macau with Union Pay by Banco Nacional Ultramarino and Industrial and Commercial Bank of China (Macau).[115][116]

On September 3, 2019, Apple Pay launched in Georgia with Bank of Georgia,[117] TBC Bank,[118] VTB Bank Georgia[119] and Liberty Bank.[120] Moreover, four more banks in the Netherlands rolled out support for Apple Pay: bunq, Monese, N26 and Revolut.[121] Dutch banks ABN AMRO and Rabobank announced support for Apple Pay is coming soon.[122][123] N26 also started support for Apple Pay in Switzerland and Iceland.

Availability[edit]

Global availability of Apple Pay - Dark Blue: Available (57 countries) Light Blue: Upcoming (1 countries)

Supported countries[edit]

[124]
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
 Monaco
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  Guernsey
 Ireland
 Isle of Man
 Jersey
March 29, 2017  Taiwan
May 17, 2017  Italy
 San Marino
  Vatican City
October 24, 2017  Denmark
 Greenland
 Finland
 Sweden
 United Arab Emirates
April 4, 2018  Brazil
May 17, 2018  Ukraine
June 19, 2018  Poland
June 20, 2018  Norway
November 28, 2018  Kazakhstan
 Belgium
December 11, 2018  Germany
February 19, 2019  Czech Republic
 Saudi Arabia
April 24, 2019  Austria
May 8, 2019  Iceland
May 21, 2019  Hungary
 Luxembourg
June 11, 2019  Netherlands
June 26, 2019  Bulgaria
 Croatia
 Cyprus
 Estonia
 Greece
 Latvia
 Liechtenstein
 Lithuania
 Malta
 Portugal
 Romania
 Slovakia
 Slovenia
July 2, 2019  Faroe Islands
August 6, 2019  Macau
September 3, 2019  Georgia
October 2019  Belarus

Supported Payment Networks and Card Schemes[edit]

Usage within public transit systems[edit]

With Express Transit mode Without Express Transit mode
China Australia
  • Sydney using debit and credit cards
Japan - all forms of transport supporting Suica Canada
United States China
  • Guangzhou using Union Pay credit cards
  • Hangzhou using Union Pay debit and credit cards
Italy
  • Milan using debit and credit cards
  • Florence using debit and credit cards
Russia
Singapore
  • Singapore using MasterPay and Visa debit and credit cards
United Kingdom
  • London using debit and credit cards
United States

Reception[edit]

Reviews[edit]

Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[3][23] including those of PayPal, Walmart, Target,[3] Google Wallet, and Softcard,[23] they noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[3] 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".[3] 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.[23] 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";[13] 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.[13]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[141][142] The Verge's Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[141] 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.[141] 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.[142]

In a 2018 publication released by Consumer Reports, Apple Pay was the leading payment service.[143]

Adoption[edit]

Paying for coffee with Square's Apple Pay reader

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability,[144] making it the largest mobile payment system in the US at the time.[145] There were 220,000 participating vendors when it launched.[146][147] 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.[148][149][150]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialing 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,[13][151][152] although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015.[153][154] Best Buy has begun to accept Apple Pay at all stores starting in October 2015.[155]

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.[156] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its US stores.[157]

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant.[158][159][160][161]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[162] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[163]

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.[164]

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.[165]

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.[166]

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.[167]

On September 7, 2016, Wayfair announced that they will support Apple Pay in Safari on iPhone, iPad, and Mac at launch.[168]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[169]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[170]

References[edit]

  1. ^ a b "Countries and regions that support Apple Pay". Apple. July 17, 2019.
  2. ^ "Where you can ride transit with Apple Pay". Apple Support. Retrieved July 18, 2019.
  3. ^ a b c d e f g h i j k l m n o Jeffries, Adrianne (September 9, 2014). "Apple Pay allows you to pay at the counter with your iPhone 6". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  4. ^ "Clever trick will safeguard Apple Watch from thieves". Cult Of Mac. September 10, 2014. Retrieved November 10, 2014.
  5. ^ "Set up Apple Pay". Apple. Retrieved June 4, 2018.
  6. ^ Lennon, kirk (October 20, 2014). "How Apple Pay Really Works and Why You Should Begin Using it Immediately".
  7. ^ "Payment Tokenisation". EMVco. March 1, 2014.
  8. ^ a b "Apple Pay security and privacy overview". Apple. July 12, 2019. Retrieved August 21, 2019.
  9. ^ a b D'Orazio, Dante (September 9, 2014). "Apple Watch works with Apple Pay to replace your credit cards". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  10. ^ "Definition of instant payment system". European Central Bank. February 24, 2018.
  11. ^ Titcomb, James (June 24, 2015). "Most Apple Pay UK transactions will be limited to £20, for now". The Telegraph. Retrieved July 13, 2015.
  12. ^ "About Apple Pay for merchants in the UK". Apple. Retrieved July 12, 2015.
  13. ^ a b c d e f Popper, Nathaniel (September 11, 2014). "Banks Did It Apple's Way in Payments by Mobile". The New York Times. Archived from the original on September 15, 2014. Retrieved March 5, 2017.
  14. ^ Fiveash, Kelly (September 13, 2014). "Apple Pay is a tidy payday for Apple with 0.15% cut, sources say". The Register. Archived from the original on September 14, 2014. Retrieved September 13, 2014.
  15. ^ Arnold, Martin (July 14, 2015). "UK banks put squeeze on Apple Pay fees". Financial Times. Retrieved July 15, 2015.
  16. ^ "Regulation (EU) 2015/751 of the European Parliament and of the Council of April 29, 2015 on interchange fees for card-based payment transactions". European Commission. Retrieved July 25, 2015.
  17. ^ "Apple Pay берет с банков небольшую комиссию за каждую транзакцию" (in Russian). Ведомости. October 7, 2016. Retrieved December 6, 2016.
  18. ^ "Consumer Device Cardholder Verification Method". Apple. Retrieved December 1, 2016.
  19. ^ "Use Express Transit with Apple Pay". Apple Support. Retrieved July 18, 2019.
  20. ^ "Use student ID cards in Wallet on your iPhone or Apple Watch". Apple Support. Retrieved July 18, 2019.
  21. ^ "Apple Pay Cash guide: What it is, how it works, and what it costs". Macworld. Retrieved August 5, 2018.
  22. ^ Chowdhry, Amit. "How To Use Apple Pay Cash". Forbes. Retrieved August 5, 2018.
  23. ^ a b c d e Bohn, Dieter (September 10, 2014). "Apple Pay was this week's most revolutionary product". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  24. ^ "How To Set Up Apple Pay On Your iPhone, iPad and Apple Watch". TaletLeopard.
  25. ^ "Most Apple Pay payments will have £20 limit, banks say". BBC News Online. June 9, 2015. Retrieved July 26, 2015.
  26. ^ Rao, Leena (December 17, 2015). "Apple Pay Is Finally Coming To China". Fortune.
  27. ^ "Apple Pay to be available in China from this week". BBC News Online. February 18, 2016.
  28. ^ Rossignol, Joe. "KFC Now Accepts Apple Pay in the United States". MacRumors. Retrieved June 1, 2016.
  29. ^ "ExxonMobil lets you buy gas using Apple Pay at the pump". CNET. Retrieved June 3, 2016.
  30. ^ "Apple Pay - Apple (AU)". Apple (AU). Retrieved April 27, 2016.
  31. ^ "Apple, ANZ Bank strike deal to bring Apple Pay to Australia". Reuters. April 27, 2016. Retrieved April 27, 2016.
  32. ^ "Sign Up for Kohl's Rewards: Yes2You Rewards - Kohl's". Kohl's.
  33. ^ Rossignol, Joe. "Kohl's Becomes First Retailer to Support Store Payments and Rewards With One Tap in Apple Pay". MacRumors. Retrieved May 5, 2016.
  34. ^ "Apple Pay - Apple (CA)". Apple (CA). Retrieved May 10, 2016.
  35. ^ Rossignol, Joe. "Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today". MacRumors. Retrieved May 10, 2016.
  36. ^ Rossignol, Joe. "Chime Banking Now Supports Apple Pay". MacRumors. Retrieved May 19, 2016.
  37. ^ "Apple Pay expands in Singapore". Channel NewsAsia.
  38. ^ "All Big Five banks join Apple Pay club". Toronto Star. Retrieved June 1, 2016.
  39. ^ "Convenient Commerce Comes To KFC Customers". KFC. PR Newswire. Retrieved June 3, 2016.
  40. ^ "GrubHub Inc. (via Public) / Apple Pay Coming to Grubhub's Customers". publicnow.com. Retrieved June 3, 2016.
  41. ^ Tepper, Fitz. "You can now use Apple Pay to pay for Seamless and Grubhub deliveries". TechCrunch. Retrieved June 3, 2016.
  42. ^ Rossignol, Joe. "Apple Pay Expanding to France, Hong Kong, and Switzerland". MacRumors. Retrieved June 14, 2016.
  43. ^ "Apple Pay est disponible en France : voici comment l'activer et l'utiliser" (in French). Retrieved July 19, 2016.
  44. ^ "Apple Pay ist ab sofort verfügbar in der Schweiz". Macprime.ch. Retrieved July 7, 2016.
  45. ^ Rossignol, Joe. "BEA and Tap & Go Now Support Apple Pay in Hong Kong". MacRumors. Retrieved August 16, 2016.
  46. ^ "Bendigo and Adelaide Bank & Ors - Authorisation - A91546 & A91547". Australian Competition and Consumer Commission. March 31, 2017. Retrieved January 26, 2019.
  47. ^ "Apple Partnering With American Express to Bring Apple Pay to Canada, Australia, Spain, Singapore and Hong Kong". MacRumors. October 27, 2015.
  48. ^ a b "You can now get cash at Bank of America ATMs with Apple Pay". /r/apple. reddit. Retrieved June 20, 2016.
  49. ^ "Cardless ATM". Bank of America. Retrieved June 20, 2016.
  50. ^ Miller, Chance (January 28, 2016). "Bank of America & Wells Fargo said to be working on Apple Pay support for ATM withdrawals". 9to5Mac. Retrieved June 20, 2016.
  51. ^ Hardwick, Tim. "Apple Pay Comes to Clydesdale Bank, Yorkshire Bank, and 'B' Customers in the U.K." MacRumors. Retrieved August 18, 2016.
  52. ^ Rossignol, Joe. "ANZ Expands Apple Pay Support to MasterCard in Australia". MacRumors. Retrieved August 31, 2016.
  53. ^ "Apple Pay". Retrieved September 7, 2016.
  54. ^ "Apple Pay Getting Started". Retrieved September 7, 2016.
  55. ^ "Apple Pay Coming to Japan" (Press release). Apple. Retrieved September 13, 2016.
  56. ^ Miaou, Rachel; Tsai, Joseph. "Taiwan government starts taking applications from banks for Apple Pay". DigiTimes. Taipei. Retrieved September 30, 2016.
  57. ^ "Apple Pay Launches in New Zealand, Now Available in 11 Countries". Finance Magnates. October 13, 2016. Retrieved October 13, 2016.
  58. ^ "Cuscal enables clients to offer Apple Pay". Cuscal. November 14, 2016. Retrieved January 26, 2019.
  59. ^ Miller, Chance (January 28, 2016). "Using Apple Pay in Spain right now (and what cards are valid for this)". Phoneia. Retrieved December 6, 2016.
  60. ^ "Want to pay in shops with your iPhone or Apple Watch? Apple Pay available for Irish consumers - Independent.ie". Irish Independent.
  61. ^ "Apple Pay contactless service launches in Ireland". Irish Times.
  62. ^ Miller, Chance (October 17, 2017). "Apple Pay now works with Eftpos cards from ANZ in Australia". 9to5Mac. Retrieved January 26, 2019.
  63. ^ "Apple Pay Has Expanded to Sweden, Denmark, Finland and the United Arab Emirates". Apple. Archived from the original on October 24, 2017. Retrieved October 24, 2017.
  64. ^ "Apple Pay Available to BNZ Customers". Scoop.
  65. ^ McMullen, Sally (November 28, 2017). "Bendigo Bank customers can now shop with Apple Pay". finder.com.au. Retrieved January 26, 2019.
  66. ^ @up_banking (March 27, 2018). "It's Wristlemania time! We're now live with (from top to bottom) Google, Apple, Fitbit, AND Garmin Pay pic.twitter.com/myEr2jucZQ". Twitter. Retrieved January 26, 2019.
  67. ^ 关于Apple Pay交通卡你可能关心的几个问题 [Some questions about Apple Pay transit card you may care]. icfw.com.cn (in Chinese).
  68. ^ Mari, Angelica. "Apple Pay launches in Brazil with Itaú". ZDNet. Retrieved June 18, 2018.
  69. ^ "Apple Pay Launches in Ukraine". MacRumors. Retrieved June 18, 2018.
  70. ^ Clover, Juli. "Apple Pay Launches in Poland". MacRumors. Retrieved June 19, 2018.
  71. ^ Slivka, Eric. "Apple Pay Debuts in Norway". MacRumors. Retrieved June 20, 2018.
  72. ^ "Apple Pay coming to Germany this fall". 9to5mac. Retrieved August 4, 2018.
  73. ^ "Apple Pay agora suporta cartões do Bradesco e BB". technoblog (in Portuguese). Retrieved August 14, 2018.
  74. ^ "Apple Pay" (in German). Apple (Deutschland). Retrieved November 13, 2018.
  75. ^ @up_banking (November 7, 2018). "Apple Pay provisioning is now part of the sign up flow for new customers. You can add your Up card to Apple Pay before the plastic arrives! We've also just given Apple Pay a permanent home You can always find 'setup Apple Pay' under the Card section of the Up tab pic.twitter.com/N9MWmoes6Q". Twitter. Retrieved January 26, 2019.
  76. ^ "Apple Pay" (in French). Apple (Belgique). Retrieved November 28, 2018.
  77. ^ "Apple Pay participating banks and card issuers in Asia-Pacific". Apple. Retrieved November 28, 2018.
  78. ^ "Apple Pay startet in Deutschland" (Press release) (in German). Apple. Retrieved December 11, 2018.
  79. ^ "Apple Pay: Sparkassen fordern Zugang für alle Kunden - DSGV.de". sparkasse_de (Press release) (in German). Retrieved December 14, 2018.
  80. ^ @CommBank (December 13, 2018). "Apple Pay is coming for CommBank personal customers January 2019 pic.twitter.com/VHeZWKBoRp". Twitter. Retrieved January 26, 2019.
  81. ^ "Potvrzeno: Apple Pay v České republice odstartuje 19. února v 6:00". letemsvetemapplem.eu (in Czech). February 13, 2019. Retrieved February 17, 2019.
  82. ^ Roger Fingas (February 8, 2019). "Apple Pay expected to debut in Czech Republic on Feb. 19". Apple Insider.
  83. ^ a b "Bezahldienst Apple Pay in Zwei Weiteren Ländern Gestartet". MacGadget.de (in German). February 19, 2019.
  84. ^ "ANZ extends Apple Pay offering with eftpos choice". media.anz.com. Retrieved January 26, 2019.
  85. ^ "You want cash with that? ANZ plugs Apple Pay into eftpos". iTnews. Retrieved January 26, 2019.
  86. ^ "Apple окончательно отказалась развивать в Беларуси свой финансовый бизнес" [Apple finally decides not to develop its financial business in Belarus]. Слово Делу (in Belarusian). January 22, 2019.
  87. ^ @CommBank (January 22, 2019). "Thanks for all your gentle prompts. We read them all. Now you #CanApplePay" (Tweet). Retrieved January 26, 2019 – via Twitter.
  88. ^ @Bankwest (January 22, 2019). "Apple Pay is here. T&Cs apply" (Tweet). Retrieved January 26, 2019 – via Twitter.
  89. ^ "Apple Pay: Volks- und Raiffeisenbanken verhandeln mit Apple". iPhone-Ticker.de (in German). Retrieved January 29, 2019.
  90. ^ "Beliebteste Geldinstitute (Filialbanken, Filialsparkassen) für Gehalts-, Girokonto 2018 | Statistik". Statista (in German). Retrieved January 29, 2019.
  91. ^ Wong, Hanna. "Introducing Apple Card, a new kind of credit card created by Apple" (Press release). Apple. Retrieved May 24, 2019.
  92. ^ "Apple Pay European countries: Seven more coming soon". March 27, 2019.
  93. ^ @n26 (March 27, 2019). "Coming Soon! @n26 will bring #ApplePay, which is transforming mobile payments with an easy, secure and private way to pay that's fast and convenient to customers in Estonia, Greece, Portugal, Slovakia, and Slovenia!" (Tweet) – via Twitter.
  94. ^ "Apple Pay se lansează în România! Două bănci au confirmat parteneriatul cu Apple!".
  95. ^ "Apple Pay startet in Österreich - derStandard.at".
  96. ^ "VIABUY Mastercard Prepaid Kreditkarte".
  97. ^ "Home".
  98. ^ "Fleetmoney Mastercard fleet card".
  99. ^ "Westpac with Apple Pay | Westpac New Zealand". westpac.co.nz. Retrieved April 17, 2019.
  100. ^ "MBank a Apple Pay už čoskoro - Mobilná aplikácia | mBank.sk".
  101. ^ @BGLBNPParibas (April 4, 2019). "The new, easy way to pay coming soon" (Tweet) – via Twitter.
  102. ^ "Crédito Agrícola Vai Disponibilizar Apple Pay". Crédito Agrícola (in Portuguese). April 12, 2019.
  103. ^ "ING introduceert Apple Pay".
  104. ^ "Landsbankinn offers customers access to Apple Pay".
  105. ^ "Apple Pay - Arion banki".
  106. ^ "NAB gives green light to Apple Pay, leaving Westpac on its own". May 20, 2019.
  107. ^ Trevor Long (May 21, 2019). "UBank adds Apple Pay – is NAB Next?". EFTM.
  108. ^ Miller, Chance (May 21, 2019). "Hop Fastpass adds support for Apple Wallet". 9to5Mac. Retrieved May 24, 2019.
  109. ^ BVR (June 26, 2019). "Die Tinte ist trocken: Die Volksbanken Raiffeisenbanken werden ihren Kunden im Laufe des Jahres #ApplePay anbieten. @BVRPressepic.twitter.com/EKQ0ewZuc6". @BVRPresse (in German). Retrieved June 26, 2019.
  110. ^ Sparkasse (June 26, 2019). "Die Sparkassen werden Apple Pay noch in diesem Jahr in Deutschland einführen und den Kunden diese einfache, sichere und vertrauliche Zahlungsweise anbieten.pic.twitter.com/IY9gI7w7c3". @sparkasse (in German). Retrieved June 26, 2019.
  111. ^ "Apple Pay". Betri. Retrieved July 3, 2019.
  112. ^ "Viðskiptavinir Íslandsbanka geta nú notað Apple Pay". www.islandsbanki.is (in Icelandic). Retrieved August 16, 2019.
  113. ^ "До конца 2019 года в Беларусь придет Apple Pay". infobank.by (in Russian). Retrieved July 16, 2019.
  114. ^ "В Минске прошла конференция FinMobile-2019". byfin.by (in Russian). Retrieved July 17, 2019.
  115. ^ Hardwick, Tim. "Macau Bank BNU Announces Apple Pay Support". MacRumors. Retrieved August 7, 2019.
  116. ^ "BNU UnionPay Cards & Apple Pay". www.bnu.com.mo. Retrieved August 7, 2019.
  117. ^ "Apple Pay საქართველოს ბანკშია". bankofgeorgia.ge (in Georgian). Retrieved September 3, 2019.
  118. ^ "TBC Applepay". TBC Applepay (in Georgian). Retrieved September 3, 2019.
  119. ^ "Apple Pay". vtb.ge. Retrieved September 3, 2019.
  120. ^ "Apple-Pay". applepay (in Georgian). Retrieved September 3, 2019.
  121. ^ "bunq, N26, Monese en Revolut in Nederland nu geschikt voor Apple Pay". iCulture (in Dutch). September 3, 2019. Retrieved September 4, 2019.
  122. ^ "Apple Pay". www.abnamro.nl (in Dutch). Retrieved September 4, 2019.
  123. ^ "Apple Pay – Contactloos betalen met je iPhone of Apple Watch". www.rabobank.nl (in Dutch). Retrieved September 4, 2019.
  124. ^ "Countries and regions that support Apple Pay". Apple. September 3, 2019. Retrieved September 3, 2019.
  125. ^ "Apple Pay allows you to pay at the counter with your iPhone 6". The Verge. Retrieved April 14, 2018.
  126. ^ "Get help adding cards to Apple Pay". Apple. Retrieved April 14, 2018.
  127. ^ "MasterCard's mobile payments guru talks Apple Pay, Android Pay and more". Fortune. Retrieved April 14, 2018.
  128. ^ "Apple Pay" (in Italian). Apple (Italy). Retrieved January 26, 2018.
  129. ^ "American Express swipes in Apple Pay for corporate card holders". www.retaildive.com. Retrieved April 14, 2018.
  130. ^ "Discover card users can redeem their points on Apple Pay". Engadget. Retrieved April 14, 2018.
  131. ^ "Apple Pay now available to CB customers in France" (PDF). Groupement des Cartes Bancaires CB GIE (in French). CB. Retrieved March 4, 2018.
  132. ^ "Five things to know about using Apple Pay in Canada". The Globe and Mail. The Woodbridge Company. Retrieved April 14, 2018.
  133. ^ "Apple Pay now works with Eftpos cards from ANZ in Australia". 9to5Mac. October 17, 2017. Retrieved April 14, 2018.
  134. ^ "UnionPay taps into Apple Pay". The Standard. Retrieved April 14, 2018.
  135. ^ "Apple Pay" (in Japanese). Apple (Japan). Retrieved March 20, 2018.
  136. ^ SEEC Media Group. "Apple Pay can now be used for the Shanghai metro". Time Out Shanghai. Retrieved April 14, 2018.
  137. ^ "New iOS update allows commuters in Shanghai and Beijing to use Apple Pay for metro and bus rides · TechNode". TechNode. March 30, 2018. Retrieved April 14, 2018.
  138. ^ "Debit cards | Prepaid Cards | Cashback Option | Mada".
  139. ^ Altstadt, Roberta (January 21, 2019). "Portland-Vancouver's Hop Fastpass® becomes first transit fare card in North America on iPhone" (Press release). TriMet. Retrieved May 24, 2019.
  140. ^ "Elo com Apple Pay, o próximo passo" [Elo and Apple Pay, the next step]. Elo (in Portuguese). Retrieved July 4, 2019.
  141. ^ a b c Patel, Nilay (September 9, 2014). "Apple Pay hands-on: is this the future of payments?". The Verge. Archived from the original on September 10, 2014. Retrieved September 13, 2014.
  142. ^ a b Irwin, Neil (September 10, 2014). "Apple Pay Tries to Solve a Problem That Really Isn't a Problem". The New York Times. Archived from the original on September 15, 2014. Retrieved September 14, 2014.
  143. ^ Fingas, Jon (August 6, 2018). "Apple Pay Cash leads Consumer Reports' first payment service test". Engadget. Retrieved August 7, 2018.
  144. ^ Worland, Justin (October 28, 2014). "Apple Pay Registers 1 Million Credit Cards in 3 Days". Time. Retrieved October 29, 2014.
  145. ^ "Number Of Users On Apple Pay". Business Insider. Retrieved October 29, 2014.
  146. ^ Perez, Sarah (September 9, 2014). "Apple Announces Mobile Payment Solution Called Apple Pay". TechCrunch. AOL. Archived from the original on September 10, 2014. Retrieved September 22, 2014.
  147. ^ Snider, Mike (September 9, 2014). "Apple hopes to jump-start mobile payments with Apple Pay". USA Today. Archived from the original on September 10, 2014. Retrieved September 22, 2014.
  148. ^ Smith, Chris (October 21, 2014). "Apple Pay works in countries outside the U.S. with this simple trick". Boy Genius Report. Retrieved July 26, 2015.
  149. ^ Gokey, Malarie (October 22, 2014). "Apple Pay Works Abroad! ... If You Have a U.S. Credit Card". Digital Trends. Retrieved July 26, 2015.
  150. ^ Rogowksi, Mark (October 20, 2014). "Apple Pay Is Here And It's Going To Be Great: Why The Skeptics Have It Wrong". Forbes. Retrieved October 21, 2014. 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.
  151. ^ Constine, Josh (October 25, 2014). "CurrentC Is The Big Retailers' Clunky Attempt To Kill Apple Pay And Credit Card Fees". TechCrunch. AOL Inc. Retrieved October 26, 2014.
  152. ^ "Apple Pay goes offline at CVS, Rite Aid". Ars Technica. October 30, 2014. Retrieved October 30, 2014.
  153. ^ "Rite Aid Reverses Course, Will Accept Apple Pay Starting August 15". MacRumors. August 11, 2015.
  154. ^ "Rite Aid to accept Apple Pay after initial refusal". USA Today. August 11, 2015.
  155. ^ "Best Buy Rolling Out In-Store Apple Pay Support in U.S." MacRumors. September 17, 2015.
  156. ^ Arik Hesseldahl (May 27, 2015). "Target CEO Loves Apple Pay, but Wants Chip-and-PIN Cards First (Video)". re/code. Archived from the original on January 4, 2016.
  157. ^ Makena Kelly (January 22, 2019). "Target is adding Apple Pay and Google Pay to all US stores". The Verge.
  158. ^ Mortimer, Natalie (July 20, 2015). "TfL proves most popular retailer on Apple Pay UK following launch". The Drum. Retrieved July 22, 2015.
  159. ^ Titcomb, James (July 20, 2015). "How London's transport crunch forged a contactless revolution". The Telegraph. Retrieved July 22, 2015.
  160. ^ Gibbs, Samuel (July 16, 2015). "TfL cautions users over pitfalls of Apple Pay". The Guardian. Retrieved July 22, 2015.
  161. ^ "Apple Pay". Transport for London. Retrieved July 22, 2015.[permanent dead link]
  162. ^ "Apple Pay Awareness, Adoption Plateau According to First Annapolis Survey". First Annapolis. Retrieved February 26, 2016.
  163. ^ "Apple Pay participating banks in Canada and the United States". Apple.
  164. ^ "Grubhub Adds Apple Pay To Food Delivery Apps". Fortune. June 2, 2016. Retrieved June 3, 2016.
  165. ^ Russell, Jon. "Apple Pay Goes Live In China". TechCrunch. Retrieved July 8, 2016.
  166. ^ Rossignol, Joe. "Latest Apple Pay Retailers Include LCBO and Former CurrentC Backers". MacRumors. Retrieved July 12, 2016.
  167. ^ Clover, Juli. "Apple Pay Launching at Chick-fil-A on August 19". MacRumors. Retrieved August 18, 2016.
  168. ^ Rossignol, Joe. "Wayfair Will Support Apple Pay in Safari on iPhone, iPad, and Mac at Launch". MacRumors. Retrieved September 7, 2016.
  169. ^ "TransLink rolls out "tap to pay" feature allowing credit-card use at fare gates and on buses". The Georgia Straight. May 23, 2018. Retrieved May 23, 2018.
  170. ^ Nick Statt (July 31, 2018). "Apple Pay is coming to CVS and 7-Eleven later this year". The Verge.

External links[edit]