Apple Pay UK: How to Use the Apple Pay for Making Cashless Payments

By | August 30, 2018

Apple Pay UK: How to Use the Apple Pay for Making Cashless Payments

Apple Pay has emerged as one of the most efficient online wallet for iOS device users across UK to make quick payments for goods and services for up to £30. After enormous success in the US, this digital payment system was launched in the UK in July 2015. Herein is a concise guide on how to use Apple Pay in the UK to give you every bit of information you need to get started making secure contactless payments with your Apple devices- Mac, iPhone, iPad and even the Apple Watch.

Essential Requirements to be Able to Use Apple Pay

To be able to use the Apple Pay, you must meet the following essential requirements:

  • Apple Pay UKUse any compatible device
  • Add the supported credit/debit card details to the Wallet app in your device
  • Have an account with a bnk supporting Apple Pay
  • Set up the Apple Wallet in your device
  • iCloud signed in Apple ID

For making payments with multiple devices using Apple Pay, you must add any supported debit/credit card to all concerned devices. You can store up to 12 cards on your Apple Wallet.

Financial Institutes/Banks Offering Apple Pay Services in the UK

Until date, there are 23 banks in the UK supporting Apple Pay transactions including:

  • American Express
  • Barclays
  • Barclaycard
  • Bank of Scotland
  • Clyesdale Bank
  • The Co-operative Bank
  • HSBC
  • Lloyds Bank
  • MBNA
  • Royal Bank of Scotland
  • Santander
  • Tesco Bank
  • Yorkshire Bank

Where Can I Use the Apple Pay to Make Payments?

The majority of the retail shops having contactless payment terminals accept money through Apple Pay for transaction up to £30 (some merchants now accept payments for amounts more than £30). Other than this, you can also use the platform for payments for Transport for London, web based transactions, and in-app purchases.

How to Make Payments with the Apple Pay

Retail Stores

Using iPhone: Find the contactless reader with the Apple Pay symbol to know that it is compatible to accept payment from your device. To use the credit/debit card on your Wallet, you just need to rest your finger on the Touch ID on your iPhone holding it just a few centimetres away from the reader. You will see the checked mark ‘Done’ message on the screen upon completing the transaction successfully.

Using Apple Watch: Double click on the side button of your watch, simply hold your Apple watch display a few centimetres away from the contactless reader. When you feel the gentle tap on your device, the transaction is completed.

In-App Purchases

  • Choose the Apple Pay on your device
  • Tap on the desired card you want to use for the payment
  • Enter and check the billing, delivery address and shipping details
  • Touch and hold your finger on the Touch ID of your iPhone or iPad/ Double click on the side button of your Apple watch
  • You will see the checkmark sign and Done on your screen to know that the transaction is successful

On the Web (Safari)

You can make payments on the web on the Safari browser using compatible iPhone, iPad or Mac devices.

iPhone/iPad

  • Tap the Apple Pay button/Buy with Apple Pay
  • Check and confirm the billing, delivery address and shipping details
  • Tap on the desired card you want to use for the payment
  • Touch and hold your finger on the Touch ID
  • You will see the check mark sign and Done on your screen to know that the transaction is successful

MacBook Pro with Touch ID

  • Tap the Apple Pay button/Buy with Apple Pay
  • Check and confirm the billing, delivery address and shipping details
  • Using the up and down arrow sign, choose the card you want to use for making payment
  • Place and hold your finger on the Touch ID/ Tap on the Apple Pay icon located on the Touch Bar
  • Follow the instructions on the screen to take further actions
  • You will see the check mark sign and Done on your screen to know that the transaction is successful

Store UK Loyalty Cards on the Apple Wallet

The Apple wallet allows the users to store multiple debit/credit cards including the loyalty cards to add bonus points to your account with every transaction. At present Apple Wallet supports some important loyalty cards including:

  • Starbucks
  • KFC Colonels Club Card
  • Subway Loyalty Card

Peer to Peer Payments on Apple Pay

Apple Inc. is all set to launch the Peer to Peer payments via Apple Pay in iOS 11. This feature will help the Apple device users to transfer money to each other using the text message facilities.

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