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May 18, 2019

Apple pay is a cashless & card less digital wallet that provides you service to make transactions and payments on the web, in iOS apps, and in  person as well. Apple offers this service on iPhones, Mac, iPad, and Apple watch.  It uses the contactless technology and doesn't require debit or credit card and even replaces PIN transactions at sale terminals which hold any contactless payment service (not necessarily Apple Pay- specific contactless pay terminals. 

Apple Pay is similar to all contactless payment used around the world with an additional two-factor authentication through Face ID, Touch ID, passcode or PIN. With the use of NFC – Near Field Communication antenna, a chip which stores encrypted payment information and Apple Wallet & Touch ID, Apple pay enables wireless communication with the point of sale systems.
Apple Pay is available in Canada, United States, Australia, United Kingdom, Brazil, Saudi Arabia, United Arab Emirates, Russia, Singapore, China, Japan, New Zealand, Taiwan, Denmark, Hong Kong, Germany, Austria, and several other European countries. It supports mostly all major debit & credit card schemes like UnionPay, Visa, American Express and Mastercard.

1- Easy transactions
The contactless way of transaction which is done without any additional hardware or software is much simpler and safer than using cards or cash. Apple Pay works with your all Apple devices that are used daily and can be used within the messaging app and through Siri, which makes it even more convenient.

2- Safety & Security In online transactions, you do not need to provide your debit or credit card details at the time of checking out. This creates a secure environment for the customer to make purchases without any cyber risk. Besides personal level, Apple pay is too useful for Business transactions as it allows to not disclose your banking details.

3- Apple Pay Cash
This feature allows you to transfer money easily through the messaging app itself and is currently available only in the United States. All money received through Apple Pay is directed to Apple Pay cash, which means it can be used for further transactions online without any processing delays. You can also right away choose to transfer the money to your bank accounts.

4- Apps
Apple Pay service can be constructed into any app. Apple Pay payments through an app can be done on iPhones and iPads with touch id & fingerprint sensor. Several businesses accept Apple Pay in-app as their payment method.

5- Apple Pay on web
Apple Pay expanded to websites, with iOS and macOS Sierra. Several online business websites now provide Apple Pay as a payment option to apple users as an alternative to payment service like Paypal. On Mac, verification is done through touch ID, on iPhone and iPad it is done through Touch ID and Face ID, on other devices verification is done via connection to iPhone or Apple watch using touch ID or face ID.

6- The Apple Card
Apple plans to launch its own physical and digital card this year for iPhone users, collaborating with Mastercard and Goldman Sachs. It will work conventionally like other cards but is going to be intensively integrated with the Apple wallet app. It will show the latest transactions in real time and will offer an entire overview of your expenditure organized categorically.

7- Daily Cash
Apple offers a cash back program known as ‘Daily Cash’ that gives you 1 percent cash back on all purchases, 2 percent on all Apple pay purchases done through Apple card and 3 percent cash back on Apple products bought from iTunes, Apple retail store or App store. Daily Cash instantly comes in the wallet app.

8- Apple Pay and Store Credit cards Kohl’s was the first retailer to begin Apple Pay usage with its in-store credit cards in October 2015. It also became the first store to make both store payments and rewards in Apple pay with a single tap. This enabled users to receive reward points automatically while using just their Kohl’s cards without any transaction done through Apple Pay. In the same year December, BJ’s Wholesale club also started Apple Pay with their credit cards. Later in 2017, JCPenny too extended its support to Apple Pay.

9- Apple Pay and its Retail partners
In the United States, around a million retail outlets, restaurants, grocery stores, gas stations, etc. accept Apple Pay. By the beginning of this year, 65 % of retail stores in US offered Apple Pay. To name a few partners- Kohl’s, Bloomingdales, Best Buy, Dunkin Donuts, Chevron,&H, KFC, Sprouts, Depot, Staples, Mc.Donalds, Jamba Juice, Office Depot, Staple’s, Trader Joe’s, Game Stop, Safeway, etc. In Jan 2019, besides expanding to 1850 target retail locations in the United States, Apple pay also targeted Taco Bell & Metro Transit system in Los Angeles as well. It began with just a few partners but within the span of last two years, Apple Pay has made its space quite large. Since Apple Pay works on Near Field Communication (NFC) technology, it is supported in millions of locations wherever contactless payments are accepted.

10- Apple Pay charges
Along with all above benefits, Apple Pay comes with one more perk that it doesnot cost anything to its users and even merchants are not charged for accepting payments through Apple Pay on apps, websited or contactless payment point-of-sale terminal. 

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