How to set up Apple Pay: instructions. What is Apple Pay and how to use it

In the era of the development of mobile payments, IT companies come up with more and more convenient and quick ways for their users to part with money. So, Apple has developed a new payment system, which allows you to pay for purchases in offline stores and the Internet, using a smartphone or a computer. Apple managed to rethink our wallets and bank cards, accurately and safely "folding" them into our smartphones. As you already understood, this article will be devoted to this payment system. What is Apple Pay? How it works? How do I set up Apple Pay? And why do you need this?

System requirements

Before setting up Apple Pay on your iPhone or Apple Watch, you need to make sure that your devices support this technology. For these purposes, the following smartphones are suitable:

• IPhone 5 (if there is a connection with Apple Watch);
• IPhone 5s (if there is a connection with Apple Watch);
• IPhone 6 (and Plus version);
• IPhone 6s (and Plus version);
• IPhone SE (2016 and 2017);
• IPhone 7 (and Plus version).

If you have a smart clock from Apple, then for customizing Apple Pay any iPhone, starting with the fifth model, will do.

Banks that support the payment system

The appearance of such a novelty must necessarily be accompanied by cooperation with regional banks. Fortunately, our banks have quite warmly accepted the appearance of Apple Pay in the country. Do you know who was the first to connect to the new payment system? "Sberbank". Apple Pay suited even to this orthodox bank, that is to say about others.

Naturally, the list of supported banks includes:

• "Tinkoff Bank";
• "GAZPROMBANK";
• The Otkritie Group (together with Roketbank);
• "VTB 24";
• "Alfa Bank";
• Plus electronic payment service "Yandex.Money."

A full list of banks can be found on the official website of the payment system, there are also restrictions that apply to certain cards. Some banks support the work of MasterCard, but for some reason they refuse to serve Visa.

How do I set up Apple Pay? Instructions

On all iPhone and watch Apple Watch pre-installed the application Wallet. We will need it to work with the payment system. Open it, click on the button "Add a card" and in the window that appears enter your card details (if you want to use the one you already use for purchases in iTunes, it will be enough to select this sub-item and go to the bank check). Then your card will be checked. Usually it takes less than a minute. Some banks require personal confirmation or confirmation via SMS.

Do not forget that to work with the payment system you will need a card that supports contactless payments, that is, one that has the PayPass or PayWave logo (and the NFC chip, respectively).

How to pay with Apple Pay in stores and metro?

If all the previous stages of preparation are completed, then you can go shopping. We go to the store and find the terminal we need (it should be a terminal that accepts payments through NFC). We put a finger to the fingerprint scanner, and keep the phone 2 centimeters from the terminal itself. The Apple Pay service is automatically activated and will make a payment.

After a few seconds on the screen of your smartphone a green check mark confirming the successful operation. If you have several cards attached and you usually pay through VTB 24, and now you need Sberbank, Apple Pay offers the option to choose a card before purchasing. To do this, double-click the "Home" button and select the default map. If you are planning a trip to the metro and have set up Apple Pay for Apple Watch, you can use them to pay for the trip. To do this, do not even need to get the phone out of your pocket, just double-tap the keys on the watch case and turn the watch "face" to the payment terminal.

How to pay with Apple Pay on the Internet and applications?

An important feature of Apple Pay, in comparison with other services, is the ability to make purchases on the Internet and third-party applications. This is also done simply:

• Find a program or site that supports the payment system;
• Choose the payment method using the "apple" payment system (usually a large black button with an apple);
• Enter the address of delivery and billing;
• Confirm purchase with Touch ID.

Purchases can be made not only from the phone, but also from the computer, however, confirmation of the purchase is still happening on the smartphone, since not all Apple computers are equipped with a fingerprint scanner.

Security of payments

What is Apple Pay? This is the safest purse in the world. Apple devices, like all the technologies involved, have always been surprising with their level of security. The penetration into the operating system iOS and steal data from it is simply impossible. Apple and this seemed small, so they developed a special tokenization system, when the data of your card is stored on the phone and transferred to the terminal in encrypted form (instead of the card or account number, a set of numbers is transmitted). This greatly increases the security of each individual payment.

In this case, you can not steal data physically, as is the case with conventional NFC cards. If you bring a portable payment terminal to a standard card, the card will automatically pay for the purchase and will not require any confirmation. The phone will in any case require verification with the help of Touch ID, which means that no one but you can spend money with your smartphone.

Impressions, reviews, discounts

Russian users reacted to the new technology quickly enough and immediately began to test it with might and main. On the Internet, instantly there were many posts about the new payment system. Some did not immediately understand how to set up Apple Pay, and therefore were angry on the Web, until they finally coped with the progress and did not thoroughly study the instruction.

Many users of the company literally forced to try Apple Pay, launching a large-scale advertising campaign with discounts and bonuses from various stores and cafes. Free tickets to the cinema, burgers for half the price and a discount on the journey to the subway have done their job. A huge audience of users at least once, but resorted to the help of Apple Pay, thereby provoked an unprecedented growth in the popularity of this technology. Most of all the novelty frightened the sellers. This, in particular, touched small shops where no one held instruction, and every purchase from the phone seemed some kind of terrible magic or fraud. A year later the situation changed radically, and such excesses do not arise. Everybody is used to it. And they are used to the point that they are unlikely to refuse. Users of the payment system are seriously attached to this technology and can hardly imagine a life without it.

Instead of concluding

As you can see, Apple Pay is easy. It's even simple, very interesting and convenient. A new approach to making payments will unequivocally change the world in the near future, if it has not already changed. Soon Apple plans to introduce the ability to transfer funds from the device to the device using a special virtual account Apple Cash, and this is clearly not the last step in the development of the service. Perhaps Apple will want to become a bank and offer to keep funds on its accounts.

Now that you know how to set up and use Apple Pay, it's time to personally try it out in practice.