Apple Pay is Apple’s NFC technology, allowing users to make contactless payments through their devices. The benefits of using Apple Pay are numerous. The numbers speak for themselves: there were more than 507 million Apple Pay users worldwide in 2021.
If you still aren’t using Apple Pay on your iPhone or Apple Watch, it’s time to get started. We’ve covered different reasons to start using Apple Pay below.
11. You will always have your cards with you
The main advantage of using Apple Pay is that you can store your debit or credit cards in the Apple Wallet for purchases. You don’t need to take your physical cards out of your pocket and you can make a payment directly from your iPhone.
If you like to keep your pockets empty, this can be very useful. For example, you may go for a run and want to keep a minimum of things on you. You can leave your house without a physical card and still be able to grab a coffee on the way home using Apple Pay on your iPhone or Apple Watch.
10. Your details are safe
Some people are still skeptical about Apple Pay and whether it is safe or not. Don’t worry, it’s as safe as it gets. Every transaction you make with Apple Pay is first authenticated using Face ID or Touch ID, ensuring that you are the one making the payment and not someone else. So you don’t have to worry about someone else using your device to spend your money.
Likewise, Apple Pay doesn’t require a credit card to be present, meaning there’s less risk of your card number being stolen. Also, Apple does not use a credit card number to make the purchase, but rather a token called “Device Account Number” to make the transaction. This further reduces the likelihood of credit card information theft.
Even if your device is lost or stolen, you can deactivate Apple Pay remotely from the Find My website in any web browser. We’ve also written an in-depth article on Apple Pay security, which details how the system works, reiterating its security.
A huge advantage of Apple Pay is that there is no limit to the size of payments you can make. This is better than conventional contactless payment using a credit or debit card, which usually has a transaction limit ($200 in the US).
Apple Pay has no contactless limit, which means you don’t have to worry about expensive payments. However, some retailers may add their own limits to transactions depending on legal and business requirements.
8. Apple Pay is available on multiple devices
The most common device on which Apple Pay is used is the iPhone. This makes sense because most people have their iPhones with them all the time and can easily use them to make payments.
However, Apple Pay is also available on Mac, Apple Watch and iPad. So, in case you leave your iPhone at home, you can also make a contactless payment with your Apple Watch. Likewise, setting up Apple Pay on your iPad or Mac can make online transactions easier.
7. You can send money to friends and family
An added benefit is that you can also use Apple Pay to send money to friends and family. If you live in the United States and have set up a card, you can send money to people you know through the Messages app. This saves you from having to set up a contact in your banking app and then transfer the money; it’s much easier with Apple Pay and Apple Cash.
6. You don’t have to worry if you forget your PIN
A big disadvantage of owning and using multiple cards is the risk of confusing or forgetting a card PIN, which can lead to the card in question being blocked by the bank.
Since Apple Pay uses a device account number and face or touch ID instead of the normal card number to complete the transaction, you normally don’t have to enter your PIN each time you want to complete the transaction. a payment, regardless of the size of the transaction. . This is useful because you don’t have to worry about entering the correct PIN for each transaction.
5. You can use it on public transportation systems
Apple Pay lets you use your iPhone or Apple Watch on public transport thanks to its Express Transit System feature. Express Transit System allows you to pay for transit systems without authenticating payment using Face ID or Touch ID as you normally would. This saves time when entering or exiting transit gates, leaving long queues behind.
4. Apple Pay makes shopping online easier
Most retailers now integrate Apple Pay into their websites. This allows you to pay online directly with Apple Pay rather than entering traditional details, such as your card number, expiration date, security code, address, etc.
This saves a lot of time and effort and makes payments with online shopping much easier! Since this payment also uses the device’s account number, you don’t have to worry about your card details being captured or leaked online.
3. It keeps track of all your payments
Another benefit of using Apple Pay is that it tracks all of your payments in your Wallet app. This is very useful if you need to calculate your expenses at the end of the month. You can also track all payments made through different cards from a single app, making it easy when tabulating your expenses and tracking your finances.
2. Apple Pay is really convenient!
I can’t stress this enough – using Apple Pay has made my life so much easier. You don’t need to take your card out and the process is usually a bit quicker than typical contactless payments using a physical card.
Almost every store accepts Apple Pay these days, depending on where you live, and more locations are being added everywhere. Even if you accidentally leave your wallet or card at home, you don’t have to worry because you can make payments using your iPhone or Apple Watch.
1. There’s a new Tap to Pay service
Apple recently announced that Tap to Pay for iPhone, a new feature for third-party merchants, will launch in late 2022. This means that merchants will no longer need to rely on external point-of-sale terminals or devices to accept payments. Instead, customers can simply touch their smartphone to the merchant’s iPhone to make a payment.
Once the feature is launched, it will surely help home businesses and small merchants to grow and accept contactless payments. These contactless payments will not be available to normal card users.
Mobile payments are the future
Contactless payments have become a necessity rather than an added bonus, and Apple Pay has made it much more convenient. People were skeptical at first, but Apple has proven that Apple Pay is indeed safe and secure, which has led many users to rely on it for their daily purchases.
I hope the multiple reasons listed above have convinced you to set up Apple Pay on your device and start using it for your transactions. Believe me, you won’t regret it.