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Apple Pay is a contact-free payment system where customers can pay for goods and services using an Apple device. By adding their card details to their Apple Wallet, customers can use the device like a Contactless card to pay in-store and online.
Payment is made using RFID (Radio-frequency Identification) or NFC (Near Field Communication) by holding the mobile device to the card machine.
Apple Pay uses advanced fingerprint technology, so instead of typing in a PIN as you would with a credit or debit card, customers simply press their thumb to their device’s home button to validate the transaction. The Apple Watch requires a passcode each time it’s removed from the user’s wrist, preventing unauthorised use of Apple Pay.
These security measures prevent fraudulent payments, which in-turn saves merchants from a potential Chargeback fee.
More than 6 million people own Apple Pay enabled devices in the UK, making this is one card payment solution your business can’t afford to miss.
Quick and simple transactions
Smoother serving experience
Enjoyable customer experience
Improved security for all
More ways to take card payments
No additional fee or expense
Find answers to all your Apple Pay-related questions.
To accept Apple Pay for your business, all you need is one of our card machines (also known as PDQ, Chip & Pin, card readers and card terminals). Each one comes with Contactless, Apple Pay and Android Pay as standard. If customers want to pay with Apple Pay, all they need to do is register their card details to their Apple Wallet and follow the instructions.
There is no extra charge to accept Apple Pay and there is no fee applied to customers.
Customers can use both credit and debit cards with Apple Pay. All Visa, MasterCard and American Express cards can be used in combination with Apple Pay and the original cards do not have to be Contactless. At the moment, corporate cards are not supported by Apple Pay but customers can load multiple credit and debit cards into their Wallet and choose which to pay with.
You can advertise this by downloading the Apple Pay mark for your terminal screen or order Apple Pay decal for your shopfront window and register. Letting your customers know that you’re set up to accept Apple Pay can encourage them to spend more and can improve their experience at your store.
Processing the returns of an Android Pay payment is easy. Use the customer’s Device Account Number to find the purchase on your terminal and process the return like you would with a regular Contactless payment. To find the last four or five digits of the Device Account Number on iPhone, ask the customer to go to their Wallet on the device and tap the card used to pay. The last four digits of the Device Account Number can be found here.
At the moment, the Apple Pay transaction limit is £30 — the same as Contactless payment. This should help you serve customers quickly and encourage them to spend closer to the maximum limit. There are plans to increase this limit as more people use the service.