How Apple Pay works

Apple Pay not working on iPhone 7 or 7 Plus

This payment system works on iPhones starting from the sixth model and newer. It is also supported on all Apple Watch models.

To activate this service, you need to have an iPhone model 6 and above, you also need a bank card and the Wallet program. Before making a payment, you must attach a card.

Some users are curious about how to disable such a payment method. You can do this using the Wallet app. We go in, click on the map, in the “Information” tab that appears, select the “Delete” line. If you wish, add the card back at any time.

In Russia, this payment system is supported by significant banking organizations – these are Sberbank, Alfa-Bank, Otkritie, Avangard, Ak Bars and others. If you don’t know if a banking organization supports Apple Pay, check with the website or with consultants.

Dozens of retail outlets are also supported, in particular, large retail chains: Auchan, Eldorado, M. Video”, “Magnet”. Gradually, the number of banks and stores working together with Apple Pay is increasing.

Apple Pay works through a dedicated NFC chip found on all new iPhones and iPads and the Apple Watch series.

NFC (Near Field Communication) is a short-range wireless technology that allows two devices (such as a phone and a terminal in a store) to exchange payment information quickly and conveniently in close proximity.

You simply bring your iPhone to the terminal at the checkout of a store or in a restaurant, holding your finger on the Touch ID button.

You can pay for purchases in stores using:

• iPhone 6/6S, 6/6S Plus
• iPhone SE
• iPhone 7, 7 Plus
• Apple Watch (1st generation)
• Apple Watch Series 1 and 2

Pay for purchases in apps and online:

• iPhone 6/6S, 6/6S Plus
• iPhone SE
• iPhone 7, 7 Plus
• Apple Watch (1st generation)
• Apple Watch Series 1 and 2
• iPad Pro (9.7 & 12.9 inches)
• iPad Air 2
• iPad mini 3 and 4

In addition, you can now pay for purchases using a MacBook Pro with Touch ID, but this can only be done in the Safari browser. And when paired with an Apple watch or iPhone, you can pay for online purchases from a Mac computer, but only if your computer model is older than 2012.

• Alfa Bank
• Raiffeisenbahn
• Tinkoff Bank
• MTS Bank
• Rocketbank

Mastercard only:

• St. Petersburg
• Sberbank
• VTB 24
• Binbank
• Russian Standard
• Opening
• Dot
• Yandex. Money

The list of banks is constantly expanding and updating.

When will Apple pay Sberbank visa start working? They promised back in December. But the negotiations are still going on and the dates are constantly being postponed. We wait!

The app works on iPhone, iWatch, iMac, iPad. A list of all models is listed below.

1. iPhone:

• iPhone 6, 6 Plus, 6s and 6s Plus;
• iPhone 7 and 7 Plus;
• iPhone SE.

There is a way to use Apple Pay on iPhone 5, 5c and iPhone 5s by linking your iWatch to your smartphone. And are there any special nuances of using Apple Pay on Iphone 4 and 4S?

2. iPad: mini 3 or 4, Air2, Pro (9.7-inch and 12.9-inch)

3. iWatch

4. Mac (Mac 2012 and newer)

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

However, many people continue to wonder which older iPhone models support Apple Pay. Unfortunately, such devices do not work with the system, however, using the iPhone 5.5c and iPhone 5s, you can set up Apple Pay on your iWatch. The fact is that the card can only be connected to the watch using an iPhone.

The connection between the device and the terminal is carried out using a special chip built into each iPhone. This chip performs data exchange 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.

To link a card to an Apple Pay account, you need to:

• Open the Wallet app.
• Click on the “ ” sign, adding a payment card to the system.
• Fill in the required data / take a picture of the card.
• Complete the registration by waiting for the notification of successful linking of the card.

It’s worth making sure that the contactless payment app on iPhone really works with your bank card. In order to be convinced of this, check out 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 the rest work only with the second type of payment system.

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

However, if you are unable to make a payment, you should learn more about how to connect Apple Pay on iPhone. Make sure Touch id is enabled. To do this, go to your phone settings and open the “Touch id” tab. Enter the password code and turn on the technology.

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

It’s very easy to unlink a credit or debit card from your account:

• Open iCloud. On the site, go to the settings, in the appeared tab “My devices”, select the one you need.
• Click “delete” or “delete all” in the list of registered cards.

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

The system started working in early October 2016 on current Apple devices, including iPhone 7, 7 Plus. The user does not need to update the firmware or install additional programs. On the day of the official release, the service automatically began to function on all supported devices.

The process of setting up the service is quite simple and takes about 15 minutes. So what do you need to get started with Apple Pay? First, the Wallet payment application, whose icon is located on one of the desktops. Secondly, Apple ID. Finally, thirdly, a bank card.

Step 1. Launch Wallet.

Step 2. Select “Add a card” from the presented blocks.

Step 3. At this stage, you will need a bank card. Either scan the front side using your smartphone’s camera, or click “Manual data entry” and, in fact, enter.

Step 4. Now you will need to carefully enter the first and last name as it is indicated on the front side of the card.

Step 5. In the next paragraph, you need to indicate the validity period of the card and the security code (three characters on the back).

Step 6. To confirm the user’s data, you will need to enter a password that will come in an SMS message. Then we see a notification about the successful setup of Apple Pay.

Given the seriousness of the “apple” giant company, there should not have been any mistakes with the payment system. However, they do exist, albeit very rarely.

1. The most common problem, most often, occurs due to the lack of support for a number of bank cards. In this case, you will have to change the card or wait for the bank to start working with Apple Pay.

2. Sometimes it is enough to wait a while and then repeat the process again. Other problems due to which Apple Pay does not work on the iPhone 7 or 7 Plus are solved by contacting Apple Pay support by phone, as well as visiting a bank branch.

How do I connect my Apple Pay account to iWatch?

If you are an iWatch owner, you no longer have to worry about how to set up the service and on which iPhone models Apple Pay works. 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:

• 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 card. In the tab that appears, you will see information about the attached card. To the right of it is the “Add” button, by clicking on which, the card will be linked to the clock. If the bank card is not yet registered in the system, click on the “Add payment card” button.
• Complete Apple Pay activation on iPhone and iWatch. To do this, enter the card details, in particular, the security code, which is located on the back of the card. Click “Next” and wait for the registration to complete. At the end, you will receive a notification that the map binding is completed.

Many are wondering how to install Apple Pay on iPhone 4, 4s. Unfortunately, this action is not possible even if you have an Apple Watch.

Customization

How to set up Apple Pay on iPhone 7,6,8? To make a payment using an iOS device, create a link. For this, two methods are used. The first case is when the setting is carried out through the Internet banking service. Let’s explain on the example of Sberbank.

• Entering Sberbank Online.
• Choose the required card.
• The next step is to click “Connect to iPhone”.
• Check the status of the selected card – it always changes.

The second method is through the Wallet application. When you open the program, click on the plus.

If the card is linked to an iTunes account, then the owner of the smartphone will be asked for a verification code, which will need to be entered.

If this is not possible, select the line “Add another”. In such a situation, you will need to use the smartphone’s camera to transmit information on the card, which should be in your hands at the time of activation.

You can also use iPad or Watch. Note the safety of this technology – the data is not stored on the device. When a payment is made, no confidential information is transmitted. Apple guarantees the safety of funds.

How to enable Apple Pay on iPhone

Now a brief instruction for those who came to the store and are preparing to make a payment.

iPhone 6

If you want to know how to use Apple Pay on iPhone 6S, we offer a short guide.

If you need to make a payment, first bring your mobile device to acquiring, then put your finger on the fingerprint scanning key. A signal that the money has been deposited will be a weak vibration with an audible signal. Also note that the firmware on this smartphone model should be updated to the latest.

iPhone 7

Now about how to use Apple Pay on iPhone 7 Plus. In this case, payments are made in the same way – first we bring the gadget to the terminal, then we put our finger on the button, we wait for a signal that the payment has been successfully made.

iPhone 8

Here the operation is carried out in the same way. Go to the terminal, put your smartphone on, present your fingerprint, wait for a notification about a successful transaction. No complications – the operation takes a couple of seconds.

You don’t need to install or configure anything additionally. Unless, of course, your device supports Apple Pay. Just go to the Wallet app and add payment cards to it. Most of us are concerned about the question of how to connect apple pay Sberbank, because Sberbank cards are the most popular in Russia. You don’t have to go to the bank, just add a Sberbank card to the app.

How to add a card

Adding a map to iPhone:

1. Open the Wallet app on your smartphone
2. Click “Add payment card”
3. If you have already paid with this card in iTunes, you just need to verify the card information with the security code.
4. If there is no card information in iTunes, you can enter it manually or take it with your phone camera
5. Click Next. The bank will verify the card details and may request additional information for confirmation.
6. After confirming the bank, click “Next”
   Done!

Adding a map to iPad:

1. Open “Settings”
2. Choose the Wallet and Apple Pay section
3. Click “Add payment card”
4. If you have already paid with this card in iTunes, you just need to verify the card information using the security code
5. If there is no card information in iTunes, you can enter it manually or capture it with a camera.
6. Click Next. The bank will verify the card details and may request additional information for confirmation.
7. After confirming the bank, click “Next”
   Done!

Adding a card to Apple Watch:

1. Open the Watch app on iPhone
2. Click “Wallet and Apple Pay”
3. If the card data is already stored on your iPhone, click “Add” next to the card
4. If you need to add a card that is not yet stored on iPhone, click “Add a payment card”
5. If you have already paid with this card in iTunes, you just need to verify the card information with the security code.
6. If there is no card information in iTunes, you can enter it manually or take it with a camera
7. Click Next. The bank will verify the card details and may request additional information for confirmation.
8. After confirming the bank, click “Next”
   Done!

Adding a card to a Mac:

1. Open “System Preferences” in the computer menu
2. Select the menu item “Wallet and Apple Pay”
3. Click “Add card”
4. If you have already paid with this card in iTunes, you need to confirm the card information. Just enter the security code.
5. If there is no information about the card in iTunes, you can enter it manually or take it with your phone camera
6. Click Next. The bank will verify the card details and may request additional information for confirmation.
7. After confirming the bank, click “Next”
   Done!

Up to 8 cards can be added to the device.

Before you start using the program, you should understand Apple Pay technology. A prerequisite for the operation of the system is the presence of an NFC module. This technology allows making contactless payments at a distance of up to 20 cm from the device. Authorization occurs through the built-in Touch id system, which allows you to confirm the payment.

Setting up Apple Pay is easy – just go to the Wallet app and fill in the required data. For Apple Pay to work, you must have a card whose bank cooperates with the program.

The Apple Pay payment system in Russia works with many major banks. The process of registering a card in the system is very simple and will not take much time. There are 2 ways to attach cards:

1. Using the official application of the bank. Since the system cooperates only with the major banks of the country, programs have been created for each financial institution. In most cases, to link a map, you need to open the application and open the main menu. There will be an “add to Apple Pay” icon next to the card information. Click on it and fill in the required card information. Using the Wallet system application. Open the application and click on the “ ” sign located in the upper right corner / on the frame with the “Add payment card” button. After you fill in all the required data, enter the security code, which is located on the back of the card, and complete the registration process.
2. Using the official application of the bank. Since the system cooperates only with the major banks of the country, programs have been created for each financial institution. In most cases, to link a map, you need to open the application and open the main menu. There will be an “add to Apple Pay” icon next to the card information. Click on it and fill in the required card information. Using the Wallet system application. Open the application and click on the “ ” sign located in the upper right corner / on the frame with the “Add payment card” button. After you fill in all the required data, enter the security code, which is located on the back of the card, and complete the registration process.
3. Using the official application of the bank. Since the system cooperates only with the major banks of the country, programs have been created for each financial institution. In most cases, to link a map, you need to open the application and open the main menu. There will be an “add to Apple Pay” icon next to the card information. Click on it and fill in the required card information.
4. Using Wallet system application. Open the application and click on the “ ” sign located in the upper right corner / on the frame with the “Add payment card” button. After you fill in all the required data, enter the security code, which is located on the back of the card, and complete the registration process.

The process of disabling the card is also very simple. You can also untie the card from the system in two ways:

1. With the Wallet app. Open the phone settings section, select “Wallet and Apple Pay”. You will see a list of all linked cards. Click on the one you want and select the option “delete card”. Using the iCloud website. Go to iCloud and open settings. In the list that appears, select the “my devices” option. By clicking on the button, you will see a list of credit and debit cards registered on your iPhone. Select an unnecessary card and click “delete”, or remove all registered cards at once.
2. With the Wallet app. Open the phone settings section, select “Wallet and Apple Pay”. You will see a list of all linked cards. Click on the one you want and select the option “delete card”. Using the iCloud website. Go to iCloud and open settings. In the list that appears, select the “my devices” option. By clicking on the button, you will see a list of credit and debit cards registered on your iPhone. Select an unnecessary card and click “delete”, or remove all registered cards at once.
3. With the Wallet app. Open the phone settings section, select “Wallet and Apple Pay”. You will see a list of all linked cards. Click on the one you want and select the option “delete card”.
4. Via the iCloud website. Go to iCloud and open settings. In the list that appears, select the “my devices” option. By clicking on the button, you will see a list of credit and debit cards registered on your iPhone. Select an unnecessary card and click “delete”, or remove all registered cards at once.

For detailed instructions with screenshots on how to set up Apple Pay, see our website.

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 the smartphone at a small distance from the device, wait for confirmation of payment completion.

If you use contactless payments on iPhone in the app/online store:

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

A little about Apple Pay

Apple Pay is a contactless payment function for goods and services integrated into the Wallet payment system. It features easy operation and a high level of user data protection. Apple Pay has been successfully operating in other major countries for a long time, but it reached Russia only in the second half of 2016.

Pay with Apple Pay

Using Apple Pay on iPhone 7 and 7 Plus is as easy as setting it up. You don’t even have to sign in to the app. Simply bring your iPhone 7 or 7 Plus to a payment device that supports contactless payments and hold your finger on the Home button for a while. Successful completion of the operation will confirm the symbolic image on the iPhone screen.