Complete guide to Apple Pay UK – News – Macworld UK

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Apple Pay UK Guide. Where you can use Apple Pay, which banks, shops and charities support it, and how to set up Apple Pay


Apple Pay, Apple’s contactless payment system that is baked into iOS and can be used via iPhones and Apple Watches at contactless payment terminals, launched in the UK on 14 July 2015. A first tier of UK banks offered Apple Pay support immediately (including NatWest, Santander and Nationwide) with more following later in the year.

The UK launch came roughly nine months after the US launch of Apple Pay on 20 October 2014, as part of the iOS 8.1 update. Apple Pay saw 1 million activations in its first three days. according to Apple.

Much like other roll-outs, Apple Pay isn’t available with every major bank, and it isn’t available in every country. Included in this article are details about which shops and banks do support Apple Pay, and also which countries have already adopted Apple Pay.

Apple added Apple Pay support to the Mac in macOS Sierra, and you can use the track pad on the MacBook Pro to activate it with your fingertip. We explain how below

In this article we will answer all your questions about using Apple Pay in the UK, including:

If you’ve got any more questions about the Apple Pay service let us know on Twitter or post them to the comments below.

For Macworld’s verdict on the service, read our Apple Pay review .

What is Apple Pay?

Apple Pay allows you to pay for things in shops by holding your iPhone or Apple Watch up to the contactless payment terminal. You can also use Apple Pay on some websites and in some iOS apps. All you need to do is add your credit or debit card payment details to the Wallet app on your device and Apple does everything else for you. You can normally spend up to £30 using Apple Pay on your Apple device this way, but sometimes you can spend even more.

Which Apple devices can use Apple Pay?

The Touch ID fingerprint scanner is key to using Apple Pay on an iPhone or iPad, but you will also need a specific NFC antenna that is only built into certain Apple devices.

The service is compatible with the iPhone 6, 6 Plus, iPhone 6S, 6S Plus, 7, 7 Plus, iPhone SE, iPad Air 2, iPad Pro and the Apple Watch.

The iPhone 5S doesn’t offer Apple Pay despite having a Touch ID scanner. However, users with iPhone 5, 5C, and 5S, can use the service through an Apple Watch.

You can also use Apple Pay on the new MacBook Pro as the Touch Bar incorporates a Touch ID button.

How to set up Apple Pay

Setting up Apple Pay is easy as long as you are running the correct version of the operating system and have a compatible device, below is a guide to setting up Apple Pay on each Apple device, there are also links to more detailed tutorials.

How do I set up Apple Pay on an iPhone?

You will need to set up Apple Pay on your iPhone using the Wallet app: here’s how to use Apple Wallet app .

If you’ve got a credit or debit card linked to your Apple ID already (for making iTunes and App Store purchases), you can just carry on using that with Apple Pay. Alternatively, you can add a new card to your account.

Either way, launch Wallet and select Add Credit or Debit Card, then “Add Another Card”. Fill in the required fields. If the card you’re setting up is already associated with iTunes this process will simply require you to enter the security code, but a new card will take a bit more work.

If you’d prefer not to type in fiddly numbers you can speed up the process by holding your iPhone over the card so that your iPhone can all the details, which will be added magically (with the exception of a few additional details such as the security code, which you add afterwards).

Agree to the terms and conditions. Tap next. Whether you’re using a card already linked to your Apple ID or adding a new one, your iPhone will still need to verify your card, and this process varies from bank to bank. Santander, the bank we used for our test setup, offers verification via text or phone call.

Apple points out that the verification stage doesn’t necessarily have to happen at the same time that you added the card: you can come back later and verify a card that added a card earlier. Go to Settings > Wallet & Apple Pay, or open Wallet again.

Tap Next after verification is complete, and you’re ready to go.

How do set up Apple Pay on an Apple Watch?

To set up Apple Pay on an Apple Watch, it’s necessary to use the Apple Watch app on your iPhone.

Open the My Watch tab > Wallet & Apple Pay. Now choose to mirror the alerts that show on your iPhone, or choose Custom and select whether to have alerts come to your watch or not.

Unfortunately, even if you have already set up Apple Pay on your iOS device, you’ll need to add your cards again to your Apple Watch. Luckily, as with the iPhone, you can use the iPhone’s camera to capture the data from the front of the card. Merienda that’s done, verify that the info is correct, and add the three-digit security code on the back of your card. (Edit: this may have been an early glitch in the system). For more details read: How to set up Apple Pay on an Apple Watch

How do I set up Apple Pay on my Mac?

When you set up a new MacBook Pro with Touch ID you will be prompted to configure Apple Pay during setup (you can set it up later in the Wallet & Apple Pay section of System Preferences if you choose not to).

The Wallet & Apple Pay section of System Preferences is where you manage your payment cards. Go there to add or delete cards and update contact information.

You can only add payment cards to only one user account on your Mac. Your Touch ID and Apple Pay info will be unavailable to anyone who logs onto a different account on your Mac.

We have a complete tutorial about setting up Apple Pay on your Mac here: How to use Apple Pay on a Mac.

How to use Apple Pay

Apple Pay is exactly as simple and speedy as Apple led us to believe.

Here’s a couple of mini videos showing how easy Apple Pay is to use, below we will look at using Apple pay on each Apple device.

How do I use Apple Pay with the iPhone?

To pay using Apple Pay on your iPhone, hold your iPhone up to the contactless payment terminal near the cash register (within one inch, officially) and tap your Touch ID button to complete your purchase.

You don’t even need to wake up your iPhone or launch Wallet to use Apple Pay: your phone wakes up as soon as it gets in range of a terminal and initiates the payment process.

How do I use Apple Pay with the Apple Watch?

If you want to buy something with your Apple Watch you need to double-press the button underneath the Digital Crown. When you press this button twice it will bring up your default Apple Pay card. Your other cards are available too so select a different one if you prefer.

Merienda you pick the card you want to use, you’ll just hold your Watch close to the contactless payment terminal until you hear a beep and/or feel a vibration. When our US colleagues first started using Apple Pay with the Apple Watch they advised making sure the watch face was turned toward the payment terminal when tapping it. At some retailers you may still need to enter your PIN to complete the transaction.

The best part of using Apple Pay on the Apple Watch is you don’t need to have your iPhone with you to use it. You could leave your phone at home, go for a run using the Workout app on your watch, and then pop into Waitrose on your way home to buy a bottle of water.

Which UK banks and credit cards support Apple Pay?

The following banks and financial institutions support Apple Pay in the UK.

  • American Express
  • Barclays
  • Barclaycard
  • Bank of Scotland
  • boon. by Wirecard
  • Cash Passport (Raphael’s)
  • Clyesdale Bank
  • The Co-operative Bank
  • First Direct
  • Halifax
  • HBSC
  • Lloyds Bank
  • M&S Bank
  • MBNA
  • Medida Bank
  • Nationwide
  • Natwest
  • Royal Bank of Scotland
  • Santander
  • TSB
  • Tesco Bank
  • Ulster Bank
  • Yorkshire Bank

Can I add my store cards to Apple Pay?

Not yet, but Apple says that you will be able to soon.

How to choose which card to pay with in Apple Pay?

The card linked to your Apple ID will automatically become your default Apple Pay card, however you can change that by going to Settings > Wallet & Apple Pay and updating your default information.

If you wish to use another card to pay for something hold your iPhone near the contactless reader without placing your finger on Touch ID. Your iPhone will wake up, and you’ll see your default card on your screen. Tap the default card and you will see a list of all your cards, tap the card you want to use then move your iPhone towards the terminal and tap the Touch ID to initiate the payment.

Shopping with Apple Pay: Which shops take Apple Pay?

Any shop that has a terminal that can accept contactless payments should be able to accept Apple Pay. Look out for the Apple Pay logo or the symbol for contactless payments.

When it launched Apple Pay in the UK Apple said that it would be available at more locations for its launch UK than it was for the US launch – and there were some big names on the list.

When Apple Pay launched in the UK a number of retailers were onboard from the start including:

TfL (Transport for London) also supported Apple Pay at launch too, so Londoners were able to pay for Tube and bus journeys with their iPhone or Apple Watch.

Click here for a full (and expanding) list of UK shops and apps that work with Apple Pay. Read: How to use Apple Pay on the London Underground.

Can I use Apple Pay on my phone at a drive-thru following the ban on using mobile phones in the car?

The law states that if you use your phone while driving you could get six points on your licence and be fined £200. This has lead to questions regarding whether you can use Apple Pay on your phone to pay for your burger at a McDonalds drive-through.

According to the GMP Traffic twitter account, as long as your engine is turned off and your handbrake applied it should be ok – if on the other hand you are driving your car through the drive-through while using your phone then you could be penalised, theoretically.

We think it’s unlikely that the police will be hanging around drive-throughs looking for people using their phones, but it’s something to bear in mind.

How to donate to charities using Apple Pay

It is now possible to donate to 22 different charities using Apple Pay.

Charities including the British Heart Foundation, Cancer Research UK and Comic Relief will now let you donate via an Apple Pay link on their websites.

You can donate to the following charities:

  • ActionAid UK,
  • Alzheimer’s Society,
  • Barnardo’s,
  • British Heart Foundation,
  • Cancer Research UK,
  • Comic Relief,
  • Concern Worldwide (UK),
  • DEC,
  • Marie Curie,
  • Oxfam, (RED),
  • The Royal British Legion,
  • RNIB,
  • RNLI,
  • RSPB,
  • RSPCA,
  • Scope,
  • Sightsavers,
  • Unicef UK,
  • VSO,
  • WaterAid
  • WWF-UK

How to donate: We looked at the British Heart Foundation website. There is a link on the home page to “Instant donate using Apple Pay”. This takes you to the donation page. You will need to scroll down the page to click on a button to Set up Apple Pay. When we clicked that button it automatically changed to Donate with Apple Pay, at which point we were asked to enter the amount to donate, clicking on the link then made the donation.

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How much can I spend using Apple Pay?

Apple Pay allows customers to make contactless payments for any amount. However, if the payment terminal or payment provider doesn’t support the latest network specifications, you might need to insert their card if the transaction amount is over £30.

Generally you will find that Apple Pay has a transaction limit in the UK of £30 (previously £20), this is the same with any NFC-based payment system. It’s the terminals that are limited to £30 rather than Apple Pay itself. Some UK shops have installed a software update that allows their readers to process larger transactions when verified by Apple Pay’s Touch ID.

How do I pay for something using Apple Pay?

Just hold your iPhone near the reader with your finger on Touch ID or double-click the side button on your Apple Watch, then hold it near the reader.

How do refunds and returns work with Apple Pay?

There may to be some confusion about processing refunds and returns, but it shouldn’t be too hard in practice. Apple explains :

“How do I process returns with Apple Pay?

“Use the Device Account Number to find the purchase and process the return, just like you would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number, ask the customer to go to Passbook, tap the card, and tap i on the lower-right corner of the display.

“You can also have the customer hold their iPhone near the reader, select the card they used to make the flamante payment, and authorize the return with Touch ID or passcode.”

In other words, it should be as simple as touching your iPhone to the reader.

How to use Apple Pay online

Apple calls this “one-touch checkout”, since there’s far less need to enter data than in most online payment systems.

On websites that offer Apple Pay you can select the Apple Pay button during checkout. When prompted, confirm the payment by placing your finger on the Touch ID on your device.

How to use Apple Pay to make payments in apps

If you like to do your shopping inside an app rather than inside a supermarket, you can also use Apple Pay (presuming, of course, that the app works with Apple Pay). When making in-app purchases, Apple Pay works with devices that have a Touch ID sensor.

Depending on the app, you may have to toggle on a setting to allow the app to access Apple Pay, or to set Apple Pay as your default method of payment.

The interface and precise wording will vary from app to app, but this is the process you’ll follow to pay in an app using Apple Pay:

At the appropriate point in the transaction, tap the button to use Apple Pay. This will be labelled with ‘Buy with Apple Pay’, or may just have the Apple Pay logo.

Check that the details are correct, as you would with any credit/debit card payment. Make sure the payment information and contact details are right and enter any additional information that is requested. (Apple Pay is clever about things like this. You should only need to enter things like billing addresses merienda, because it will remember them and offer them automatically next time.)
Put your finger on the Touch ID scanner to complete the payment.

Is it safe to use Apple Pay?

Your card details are never shared by Apple when you use Apple Pay, so making purchases with your iPhone, Apple Watch, iPad and Mac is actually a safer, more private way to pay.

When you set up Apple Pay your card number is never actually stored on your device or on Apple’s servers, so when you pay, your card numbers are not shared by Apple with the merchants.

Apple also doesn’t keep any transaction information so it can’t be tied back to you. You can view your most recent purchases in the Wallet app on your iPhone or Watch, but that’s as far as it goes.

It’s a safe and secure way to pay, but we look at Apple Pay Security in more detail below.

If I lose my Apple Watch or iPhone, can someone else use my Apple Pay details?

As soon as you take your Apple Watch of your wrist it locks with a passcode, so if you were to ever lose it, or if it’s stolen, whoever gets hold of it won’t be able to use Apple Pay without knowing your watch’s passcode.

If you are worried you can disable your bank cards using the Apple Watch app on your iPhone.

We examine the question of security and Apple Pay here: Is Apple Pay safe to use?

Do I pay Apple to use Apple Pay?

You won’t be charged additional fees for using Apple Pay.

Can I use Apple Pay abroad?

Heading off on holiday and wondering whether you will be able to use Apple Pay abroad? Here’s what you need to know.

You should be able to use Apple Pay abroad, assuming that the retailer can accept contactless payments. It may be the case that the country you are in has a different transaction limits – so you may only be able to spend as much as you can when using Apple Pay in the UK.

You will likely also find that overseas charges apply, plus you will have to allow for the limitations of your mobile phone contract, data charges and foreign transaction fees.

Which countries have Apple Pay?

  • USA – since October 2014
  • UK – since July 2015
  • Canada – since November 2015
  • Australia – since November 2015
  • China – since February 2016
  • Singapore – since April 2016
  • Switzerland – since July 2016
  • France – since July 2016
  • Hong Kong – since July 2016
  • Russia – since October 2016
  • New Zealand – since October 2016
  • Japan – since October 2016
  • Spain – since December 2017
  • Ireland – since March 2017
  • Taiwan – lanching in ‘early 2017’

Apple Pay in Ireland

Apple Pay has launched in Ireland in March 2017

KBC and Ulster Bank were ready to support Apple Pay transactions at launch, and any shop that has a compatible payment terminal will be able to accept Apple Pay.

Shops including M&S, Lidl, Aldi and Dunnes Store are all advertising the fact that they will support Apple’s payment system, allowing Irish iPhone and Apple Watch owners to pay for their shopping using their Apple device.

Apple Pay also supports Ireland’s Wirecard Boon prepaid card system.

Some of the major Irish banks are not yet supporting Apple Pay, including AIB which has supported Android Pay since late 2016.

Appe Pay in Italy

Apple Pay will inicio soon in Italy with UniCredit and Carrefour Banca supporting the service.

Appe Pay in Germany

Apple Pay will be coming to Germany soon according to reports

Banks that support Apple Pay in other countries

Obviously we’re a UK site most interested in the UK banks and building societies that are working with Apple, but those planning trips abroard may be interested to know which banks are on board with the scheme. You can quickly scan this list of Apple Pay-supporting banks:

Banks that support Apple Pay in the US

  • A+ Federal Credit Union
  • Amegy Bank of Texas
  • America First Credit Union
  • American Express
  • Associated Bank
  • Bank of America
  • Barclaycard
  • BB&T (Branch Banking & Trust)
  • Bethpage Federal Credit Union
  • Black Hills Federal Credit Union
  • California Bank & Trust
  • Hacienda One
  • Chase
  • Citi
  • Commerce Bank
  • Connex Credit Union
  • Consumers Credit Union
  • Customers Bank
  • Cyprus Federal Credit Union
  • Dupaco Community Credit Union
  • FAIRWINDS Credit Union
  • First Tennessee Bank
  • Fremont Bank
  • Goldenwest FCU
  • Huntington Bank
  • Idaho Central Credit Union
  • J.P. Morgan
  • KeyPoint Credit Union
  • L & N Federal Credit Union
  • M&T Bank
  • MasterCard
  • Meijer Credit Union
  • Merrill Lynch
  • Mountain America Credit Union
  • National Bank of Arizona
  • National Institutes of Health FCU
  • Navy Federal Credit Union
  • Nevisca State Bank
  • Partners Federal Credit Union
  • PNC
  • Regions Bank
  • Security Service Federal Credit Union
  • SunTrust
  • TCF National Bank
  • TD Bank N.A.
  • The Bank of Greene County
  • U.S. Bank
  • U.S. Trust
  • USAA
  • UW Credit Union
  • Vectra Bank
  • Virginia Credit Union
  • Visa
  • Wells Fargo
  • WesBanco Bank
  • Película del Oeste Union
  • Zions First National Bank

Banks that support Apple Pay in France

  • Banque Populaire (Visa debit and deferred debit cards)
  • boon. by Wirecard
  • Caisse d’Épargne (Visa debit and deferred debit cards)
  • Carrefour Banque (Mastercard debit and deferred debit cards)
  • Edenred (Ticket Restaurant cards)
  • Orange Cash

Banks that support Apple Pay in Ireland

  • boon. by Wirecard
  • KBC (Mastercard credit and debit cards)
  • Ulster Bank

Banks that support Apple Pay in Spain

  • American Express
  • Mesa Santander (Mastercard cards)
  • Edenred (Ticket Restaurant cards)
  • Servicios Financieros Carrefour

Banks that support Apple Pay in Switzerland

  • Bonus Card (Visa credit and prepaid cards)
  • boon. by Wirecard
  • Cornèrcard (Mastercard and Visa credit and prepaid cards)
  • Swiss Bankers (Mastercard prepaid cards)
  • Swisscard (American Express credit cards, mydrive credit cards, Objetivo Mastercard credit cards,
  • Pointup credit cards, SWISS Miles&More credit cards)

How does Apple make money out of Apple Pay?

Not by collecting purchase or customer data, apparently. (We discuss the privacy aspects of Apple Pay further down.)

Apple says it will levy a fee on each purchase from the banks involved in the system. Apple insists it won’t charge users, merchants or developers: in its new Apple Pay FAQs. the company confirms that it “doesn’t charge any additional fees” for merchants to accept Apple Pay.

Apple Pay security: How does Apple Pay safeguard my privacy and protect me against fraud?

Is Apple Pay secure? The short answer is yes, we’re pretty sure it is – and it’s almost certainly more secure than previous payment methods. But the long answer is a bit more complicated.

It’s impossible to say with any certainty that Apple Pay’s security is watertight until we’ve tested it out for ourselves over a decent period of time. But Apple execs have fallen over themselves to insist that security was a priority from day one.

If the iPhone is lost or stolen, for instance, you can use Find My iPhone to suspend all payments from that device. There’s no need to pantalla the credit card, because the number isn’t stored on the device, as we already mentioned – we can thank tokenisation for that.

Your credit card number isn’t given to the merchant. What you’re doing, rather, is creating a device-only account number and storing it in the secure element. “You use a one-time payment number and a dynamic security code,” said Eddie Cue.

The secure element is a hardware component – a chip inside the iPhone 6 and iPhone 6 Plus where sensitive data can be stored. Secure element is a generic term for protected memory on smart cards, and the data on the secure element isn’t even accessible to iOS (it’s only accessed via a random code during the transaction). Hackers wouldn’t be able to get hold of your credit card details if they hacked your phone. And it’s apparently able to sense if someone is dismantling the phone in an attempt to access the data on the secure element.

It’s also worth mentioning that Apple has a strong record when it comes to payment systems. Even the biggest payment platforms suffer compromises from time to time, but Apple has built up customer trust when purchasing through iTunes and the App Stores.

Apple hasn’t been immune from security problems, admittedly, with the nude celebrity photo leak from iCloud recently put at its door. (The company did claim that this was the result of a targeted attack on password and usernames, mind you, rather than a failure of iCloud’s security systems.) But even if some pundits felt its initial response to the leak was lacklustre (or even victim-blaming), it then responded by insisting that security will be beefed up in iOS 8: pushing two-factor authentication and sending additional security warnings. Apple is taking security seriously.

Incidentally, Tim Cook pointed out that the system Apple Pay is proposing to replace isn’t exactly super-secure itself, since it’s easy to lose a credit card or have it compromised.

“This whole process is based on this little piece of plastic,” he said. “And whether it’s a credit or debit card, we’re totally reliant on the exposed numbers and the outdated and indefenso magnetic strip. Which, by the way, is five decades old. And the security codes, which aren’t that secure.”

Apple Pay security: Could a hacker steal my credit-card details from the iPhone?

Apparently not. As a security measure, the credit card details aren’t actually stored on the iPhone, or on Apple’s servers. (It may be worth mentioning that Google Wallet works differently: Google keeps your card details on its servers.)

Apple says the payment network or issuing bank will provide a Device Account Number, using a technique called tokenisation: replacing a sensitive piece of data with a random piece of data that typically has the same format. Tokenisation reduces or removes the need to update existing systems that require a credit-card number, without exposing the auténtico number to theft.

But here’s one last word on security. One site reckons that Apple Pay and other electronic wallet technologies are actually making it easy to commit credit-card fraud. It reports that criminals are bypassing the security checks by using the old-fashioned fraud method – buying hacked credit-card details – and then setting these up on an iPhone’s Apple Pay system, which then allows them to pay for goods without any identification checks beyond the fingerprint – which won’t be a problem, because it’s the fraudster’s phone, even though it’s not his credit card.

Obviously this is hardly Apple’s fault, nor is it really a new problem – it simply makes the fraud process slightly smoother for criminals who have already got their victim’s credit-card details. Read more details for yourself here .

Apple Pay security: If I’m hit by fraud on Apple Pay, will I be liable for any losses?

The situation should remain much the same as when using credit or debit cards on their own. In its guide for merchants, Apple explains about fraud liability:

“Will I [the merchant] be liable for fraud on Apple Pay transactions?

“Apple Pay transactions are treated in the same way as your current credit and debit transactions. You’ll have the same liability rules applied to Apple Pay transactions.”

Regulations in the UK dictate that cardholders are not held financially liable for any fraud on their cards, “provided you have not acted fraudulently or without reasonable care (e.g. you haven’t written down your PIN and haven’t disclosed it to someone else)”, and this will apply under Apple Pay too.

Payments made using Apple Pay in a shop are classified as card-present transactions, by the way. Payments made using Apple Pay within apps are card-not-present transactions. This has some ramifications in terms of liability if something goes wrong, but either way it shouldn’t be you picking up the tab.

More information on card fraud liability here and here .

Apple Pay security: What about privacy – can I be tracked if I pay using Apple Pay?

Apparently not. Eddie Cue insisted: “Security is at the core of Apple Pay; but so is privacy. We are not in the business of collecting your data.” (Was that a shot at Google?)

When you go to a shop, Apple doesn’t get to know what you bought, how much you paid for it, or any other personal details. The guy behind the counter doesn’t get to see your name or your credit card number – all of which are potential weak spots of the current system, under which cards are occasionally cloned and ripped off.

Apple Pay rivals

As usual when discussing Apple rivals, two names leap to mind: Google and Samsung. There are a few other services out there, but we’ll deal with those two first.

Google Wallet first. This has been around for a few years now, but it’s a little different to Apple Pay. For one thing, it lets you store debit and credit card details on your mobile, whereas Apple Pay uses tokenisation to ensure that the details aren’t stored on the iPhone. (There has been some criticism of Google Wallet’s security, but it should be pointed out that the company has implemented security measures including the storing of the details in the NFC chip’s secure element.) And Google Wallet offers wider compatibility than Apple Pay. See: What you need to know about Google Wallet .

By the way, Google Wallet still hasn’t launched in the UK, and our colleagues on PC Advisor don’t think it will in the foreseeable future.

Samsung Pay, by contrast, hasn’t launched at all yet; its predecessor, Samsung Wallet, was at time of writing scheduled to close down in late June 2015 to make way for this new service. (Samsung cited poor adoption.) Samsung Pay more closely matches Apple Pay (cynics might accuse Samsung of copycat behaviour, but it actually acquired its way into the mobile payment arena) and should offer similar security and ease of use. We compare Apple Pay and Samsung Pay (or what we know about the latter so far) in a dedicated article: How will Samsung Pay compare to Apple Pay?

What other mobile payments services are there? There’s CurrentC, whose prospects a colleague discusses here: The Macalope: Which is doomed, Apple Pay or CurrentC? And Amazon had an app called Wallet that ran in beta for a while, but that appears to have been shelved now. Finally, as we mentioned in the dedicated Barclays section, bPay is another rival to Apple Pay but has a number of shortcomings by comparison.

We think Google Wallet is the main challenger in this department (in fact, given how long it’s been around, we should probably say that Apple Pay is the challenger to Google Wallet). But the thing about mobile payments is that competition will be good for all the participants, at least until it becomes mainstream.

Adverts by each of the services, and seeing other people use them, will combine to increase normal awareness that paying in shops with your mobile is something that we do now, and help to ease worries about security, and feelings of embarrassment about being a show-off.

Why isn’t Apple Pay called iWallet?

We don’t know. But what with the iWatch turning out to be plain old Apple Watch, some pundits are wondering if Apple is cooling on the prefix. It was becoming a little bit of a cliche.

How does Apple Pay work?

The underlying technology is NFC (which stands for ‘Near Field Communication’), a standard that Android phones have used for mobile payments for some time. Google Wallet is based on NFC. Indeed, NFC has been around since the late 1990s, appearing in key fobs, building passes, Oyster cards and similar.

There are NFC antennae in the iPhone 6 and iPhone 6 Plus. but not in any earlier iPhones. There are also NFC chips in the iPad Air 2 and iPad mini 3. but they appear to be deactivated for the time being; no iPad is able to use the full, in-store version of Apple Pay. But we’ll get into all that later in this article.

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