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10 things you need to know about Apple Pay

Apple Pay Wallet

Paymentsense customers – Find out everything you need to know about the new phone/watch payment service from Apple.

Apple’s new cardless payment service has now launched in the UK for iPhone 6 and Apple Watch owners. This blog post will tell you everything you need to know about this new payment system and what it can do for your business.

First off, let’s start with the basics about the service.

1. What is Apple Pay'
Apple Pay is a cardless payment system that allows you to make a payment using only your iPhone 6 or Apple Watch. It uses the same technology as existing contactless bank cards – known as near field communications – but combines this with Apple’s own fingerprint scanning tech and its Passbook.

Anyone who wants to pay using Apple Pay stores their card details into Passbook, and these details are used to make the transaction whenever the phone is passed over the contactless reader in your shop. Rather than using a PIN, the fingerprint on the iPhone home button confirms the customer’s ID and the payment is processed.

2. Do I have to do anything to set this up'
There is no set up required by you in order to take these payments. The setup process all comes down to customers connecting a card to their Passbook app so that the Apple Pay service will be able to successfully process a payment when passed over the card machine.


3. Does my card terminal support Apple payments'
If you own any of our Ingenico contactless card machines (iCT250 or iWL252) then you can begin accepting Apple Pay transactions in your business immediately. All of our new Spire SP range of card machines (countertop, portable and mobile) are set up to accept Apple Pay.

Apple Pay Watch

4. Do all bank cards work with this new service'
Customers can use both credit or debit cards (card does not have to be contactless) for their Apple Pay account. The scheme is backed by Visa, MasterCard and American Express. At the moment, corporate cards are not supported by Apple Pay. We will update on this in future when we hear more.

5. Which banks are supporting the new service'
Not all of the big banks are on board with this yet. There seemed to be some issues with some of the major high street brands getting sorted in time for the launch, but as of today here is a list of all those are certified set up:

  • American Express
  • Nationwide
  • Natwest
  • Royal Bank of Scotland
  • Santander
  • Ulster Bank

And those who are soon to join:

  • Bank of Scotland
  • First Direct
  • Halifax
  • HSBC
  • Lloyds Bank
  • M&S Bank
  • TSB

6. Is there a £20 limit, just like with contactless'
Our Ingenico contactless terminals and entire Spire range are set up to allow customers to make payments of up to £20, just as with contactless transactions. This limit will be increased to £30 in September. High-value payments (HVP) up to £500 will be available on our Ingenico range from late August/September. We will update on HVPs for our Spire range in due course.

7. Are these payments secure'
Security is the highest order with Apple Pay. The system uses a token generated by the device to match your up with your card details, so your actual personal card information is never shared or stored outside of your device.

8. Do Apple Pay transactions cost more'
Our standard contactless card payment rates will apply to any Apple Pay transactions.

Apple Pay

9. How do I promote Apple Pay'
If you’re anticipating a high number of Apple Pay customers, you may wish to advertise the Apple Pay logo in your store. Visit the Apple site to find out more about window stickers.

10. Will it benefit my business'
Contactless card technology has been huge in the UK and we’re expecting that the mobile wallet revolution will be the next big thing to impact on the payment landscape. Apple dominates the smartphone market here in the UK, and iPhone 6/6 Plus devices are incredibly popular. With the Apple Watch also selling in the thousands, it won’t be very long before your customers are asking if they can pay using their phone or watch.

You can find more information on Apple Pay in our Help Centre.