Apple Pay

Earlier today, Apple made a game changing announcement for the credit card industry. While it has been speculated about for years, Apple finally unveiled its intent to become a credit card company with the introduction of Apple Card. In addition to removing most of the sources of traditional credit card service revenue such as late fees, annual fees, and over limit fees to name a few, Apple also promised not to track payments or sell card activities to third parties. Although there will be a physical card available, this is clearly a card that is meant to be iPhone first. Users will apply for and be approved for the card via their iPhone, use it with Apple Pay, and even contact customer service via Messages. Apple is partnering with Goldman Sachs as the bank of record.

Apple announced the Apple Business Chat platform at WWDC 2017 and iOS 11.3 has finally introduced us to the program. The Business Chat platform allows iPhone users to connect with companies through iMessages, or from the businesses' app or website, rather than talking on the phone. Apple is rolling out Business Chat slowly; it's only available as a beta version right now, with a limited number of partner companies. Let's stay ahead of the curve and learn how to use Business Chat on our iPhones. 

Requesting and receiving money on your iPhone has been a possibility for a long time; apps like Facebook, Venmo, Paypal, and even Snapchat have all helped iPhone owners with these transactions. Apple Pay makes this even easier for iPhone users—you can quickly and securely request and receive payments right from the Messages app on your iPhone, as long as the person you're exchanging money with also has Apple Pay. No need to exit a text thread and open an app anymore! But what if you make a payment to the wrong person, or what if your payment isn't accepted? How do you go about canceling a payment you've made with Apple Pay Cash through your Messages app? Let's get started figuring this out, so that you don't have pending payments hanging out in your transaction history.

Apple Cash doesn't need any extra app downloads or new accounts to work; all you have to do is set up Apple Pay in Settings. Once set up, Apple Cash will allow you to request and receive payments quickly and conveniently through your Messages app, and even cancel payments if needs be. Not everyone will want to receive payments automatically, though. Some people may want to approve each payment that gets sent to them, and there is a setting in Apple Cash that allows for manual rather than automatic payment acceptance. Let's get started learning how to change your Apple Pay settings from automatic to manual receipt of payments. Please note that there is no Apple Cash for Android; only iMessage users can send and receive Apple Cash.

The rollout of iOS 11.2 introduced iPhone users to Apple Pay Cash, a convenient way to send and recieve money right from the Messages app on their iPhones. Apple Pay Cash doesn't need any new accounts or app downloads to work, it functions within your normal iMessages as long as you already have Apple Pay set up. While Apple Pay Cash is a super convenient way to recieve money, not everyone will want to keep all their Apple Pay Cash payments in their Apple Pay accounts. Let's get started learning how to transfer money from Apple Pay to your bank account of choice. 

If your credit or debit card is lost or stolen, you'll want to suspend it in your iPhone's Wallet & Apple Pay app. If your phone is lost or stolen, you'll also probably want to remotely erase your device. Better safe than the sorry victim of credit card fraud or identity theft! So how do we go about suspending lost or stolen credit cards to prevent someone else from using them? And how can we suspend our cards if our iPhone is also gone? Don't panic; in just a few easy steps you can suspend credit cards in Apple Pay on your iPhone, or  remotely if your iPhone's been lost or stolen and you have access to another smartphone or computer.

Requesting and receiving money on iPhone isn't a brand new feature; there are lots of different ways to ask for and collect payments from your iPhone, including on Facebook, PayPal, Venmo, and even Snapchat! With the rollout of iOS 11.2 though, there's a new, even more convenient way to request a payment from a friend or customer who owes you money, and to receive that payment as well. Now you can quickly and securely request and receive payments right from the Messenger app on your iPhone. The great part about this is that you don't need to set up any new accounts or download an app, you can use the Apple Pay Cash feature right within your normal text messages, as long as you already have Apple Pay set up. First things first, make sure you have Apple Pay set up, and then let's get started learning how to request and receive money with Apple Pay Cash! 

There are lots of different ways to send payments from your iPhone, including on Facebook, PayPal, Venmo, and even Snapchat! With the rollout of iOS 11.2, there's a new, even more convenient way to send money to someone who needs a payment or loan, and to make payments as well! Now you can quickly and securely send money right from the Messages app on your iPhone, as long as the person you're sending money to has Apple Pay set up on their iPhone. The great part about this is that you don't need to set up any new accounts or download an app, you can use the Apple Pay Cash feature right within your normal text messages, as long as you already have Apple Pay set up. Every payment is authenticated with either Face ID or Touch ID; so first things first, make sure you have Apple Pay set up, and then let's get started learning how to send money with Apple Pay Cash! 

The Home button on iPhone served a lot of functions, which means Apple had to figure out a way to make those same functions work without a Home button. You can still easily access Apple Pay for both real-world and in-app purchases with your iPhone. And it’s not that different than before. Here’s how to use Apple Pay on the iPhone X.

From big chain stores to small businesses, Apple Pay is accepted at over four million locations. Despite the widespread availability it's not always obvious whether or not a store accepts Apple Pay. There are a couple different methods available for finding Apple Pay stores in your area. It would be impossible to list all the stores that accept Apple Pay because the list keeps growing. However, I’ll offer some tips on how to find Apple Pay locations near you. You can even view places that take Apple Pay in the Maps app on your iPhone or iPad! Let’s take a look at where and how you can use Apple Pay.

Sometimes, I think Apple Pay works too well. Never have I been more able to impulse buy things. But if you’re not sure where your money is going, you can check the history of your Apple Pay purchases for each credit card you have set up. When you make a purchase, Apple Pay will notify you of recent activity on any of the cards set up for Apple Pay. But you may want to see a list of recent transactions, which you can view in the Wallet app. Here’s how to view recent credit card activity for Apple Pay on iPhone.

Apple Pay has been around awhile now, but I’ve only just started using it. While the service has been available, retailers and small business have had to adapt to the new technology, which has taken quite some time. But with Apple Pay now in Safari, more and more businesses always adding Apple Pay to their pay options, and more banks and credit unions making it possible to set up Apple Pay on your iPhone, now is a good time to actually start using the darn thing. Here’s how to set up Apple Pay on your iPhone.

With iOS 10, you can purchases items in Safari using Apple Pay. The process for doing this is so quick and simple that you may find yourself impulse buying at speeds faster than your bank account can handle. If you need to cut yourself (or someone else) off from spending too much money buying things in Safari with Apple Pay, you can turn the function off all together in Settings on iPhone. Here’s how to turn off Apple Pay in Safari.

With iOS 10 on iPhone, Apple introduced the ability to use Apple Pay in Safari. What this means is that if you have any credit cards in your Wallet on iPhone, you can use them along with Touch ID to easily and quickly pay for items online in your Safari browser. Keep in mind that not all websites have the feature, but when it’s available you can use it for quick transactions. Apple Pay in Safari is available for all iPhones and iPads that are able to run iOS 10. It can also be done on Macs running MacOS Sierra using an Apple Watch running watchOS 3 for authentication. Here’s how to use Apple Pay in Safari on iPhone.

Your billing and shipping information for Apple Pay can be easily changed in the Settings app on your iPhone. It’s important to keep your Apple Pay shipping address up to date, especially the one associated with your credit card. With iOS 10 you’ll be able to shop online with Apple Pay, which means your address will have to be accurate so you can receive what you order. Here’s how to change the shipping address associated with Apple Pay:

Apple Pay is expanding in all directions, bringing in more retailers that accept the nfc payment and more countries as well. Yet, whether or not Apple Pay truly becomes the new standard depends largely on small businesses adopting the mobile payment service. Square, which has already made it a lot easier for small businesses to take plastic money, is now venturing into mobile payment with the launch of its NFC card reader.

Having recently expanded Apple Pay to Australia and Canada, Apple released a short walkthrough guide for using the NFC payment service. The video features the ease of quickly paying using your iPhone’s Wallet app, as well as covering common customer concerns about privacy and data encryption.

Apple introduced us to Apple Pay about a year ago. Since then, Passbook was renamed Wallet and businesses and corporations have slowly been adopting the wireless payment method. Now that it’s plausible to run errands without a card in hand, the challenge is knowing where Apple Pay is accepted. Pay Finders (free) is the app for Apple Pay enthusiasts looking to utilize the NFC technology.

Apple is talking to major US banks about person-to-person payment services, reports The Wall Street Journal. While the details are mostly unknown, the Apple Pay expansion would compete with services such as PayPal’s Venmo or Square’s Square Cash. The new Apple Pay feature would allow for personal money exchanges, such as paying a friend back for dinner or splitting a bill payment. Friends would quickly and securely be able to exchange money.