With the development of technology, paying for purchases using bank cards has become much easier. You no longer need to stand in line and withdraw cash from your account, you can simply insert your card into a special terminal. Now the developers have made it possible to pay for purchases from a mobile phone. For each smartphone manufacturer, certain conditions must be met. To learn how to pay with an iPhone instead of a bank card, it is recommended to read the article to the end.
What is Apple Pay?
This is perhaps the most convenient payment system in the world, developed by Apple to pay for purchases using contactless payments. It is suitable for both credit and debit cards. What devices support Apple Pay? You can pay for purchases with an iPhone starting from version 6, including iPhone SE. Also, before doing this, you need to make sure that the device is updated to iOS 9 andabove. Using Apple Pay is completely free and secure. When you add a plastic card, an account number is created on the device. He is unique. For payment, the mobile payment system uses the device account number instead of a credit or debit card number.
App setup
How to pay with an iPhone instead of a bank card through the application? To do this, go to the App Store. Next, you need to find and download the Wallet program on your iPhone. It is specially designed to store all data. Open the app and add a bank card by clicking the plus sign at the top. The program will offer to scan the data using the phone's camera or enter it manually.
If you are a user of the Sberbank Online application, there is a special icon opposite the cards that you can use to pay via Apple Pay. You can add such a card to Wallet without leaving the program. Select the one you need and in the list that opens, click "Connect Apple Pay".
Up to 8-12 plastic cards can be added to the Wallet app depending on the device, including debit, credit and discount cards. Cards of the Mir payment system for payment via Apple Pay, unfortunately, cannot be used today.
Authorization
After adding a bank card to the Wallet app, you need to confirm your details. The bank will send a message with the code required to pass the verification. After authorization, youYou can pay for purchases in the store or online services using your iPhone.
The first card you add to Apple Pay is automatically set as the default. To choose a different one, you need to go to the "Settings" section of the Wallet app on iPhone. Once added, the card can be used normally as before.
Instructions for use
How to pay with an iPhone instead of a bank card?
To pay with Touch ID, follow these steps:
- On a locked phone, press the Home button twice.
- Select the required card from the list.
- Put your finger on the Touch ID or enter your passcode.
- Put your phone up to the contactless reader at the checkout.
- At this moment, the data will be read and the purchase will be paid.
If you have older smartphones like the iPhone X, you can also use contactless payments, but without touching your finger. How to pay with an iPhone instead of a bank card using Face ID? Procedure:
- To use the default card in the Wallet app, double-tap the side button.
- Look at the iPhone for authentication.
- Instead of the previous step, you can enter a password.
- Hold the top of your iPhone to the contactless payment terminal.
After successfuloperation, a notification will be sent to your phone with the amount, date and place of the transaction.
Also, for contactless payment on an unlocked iPhone, you can immediately go to the Wallet application, select the necessary card, put your finger on Touch ID and bring the gadget to the terminal.
Applications
Where and how to pay with an iPhone instead of a bank card? You can use Apple Pay anywhere in the world where a contactless data swipe system is installed. Also, in addition to shops, supermarkets, you can pay for purchases on the Internet. If earlier for payment it was necessary to enter all the data of a plastic card, now the purchase occurs automatically after authentication using Touch or Face ID. Just pay with a touch of your finger or a glance.
Pros and cons
How to pay with an iPhone instead of a bank card? Very simple! For this, the Apple Pay payment system has been developed. This technology is very simple and convenient. With its help, iPhone users can pay almost anywhere in the world. Now there is no need to carry plastic cards with you all the time, remember the pin code or fill in all the data every time when paying in online stores.
Also, in addition to convenience and mobility, contactless payment technology is safe. When using Apple Pay, merchants, cashiers, and others will never see your name, card number, or security code.
Another undoubted plus in using Apple Pay is that in order topay with your iPhone, you do not need to connect to the Internet. All data is stored in the phone itself. A significant drawback is the impossibility of making a payment if the gadget is discharged and the card is not at hand.
Some Features
If you lose your card linked to Apple Pay, you must contact the bank office or call the hotline and block it. After that, for some time it will become unavailable for payment via Apple Pay. You can delete data from the Wallet application yourself.
Also, after payment, you can make a refund if for some reason the purchased product did not fit. These steps are the same as if you were paying directly with a plastic card without using your phone. To process a return, it is recommended to present a receipt and the device from which the purchase was made.
Analogues
Not only iPhone users can use this payment method. Other mobile payment services have been developed for other devices: Google Pay and Samsung Pay. They can be used on Android phones and Samsung gadgets respectively.
