How Many Cards Can I Add To Apple Pay

Apple Pay Overview

Contents

1. Apple tree Pay Overview
2. Setting Upwards Apple Pay
3. How It Works
4. In More Particular
5. Apple Pay on the Web
6. Apple Cash
7. The Apple tree Menu
8. Tap to Pay on iPhone
9. International Expansion
10. Contest
11. Apple tree Pay Timeline

Apple Pay is Apple'due south mobile payments service. Equally with the Apple Scout, Apple tree has adopted the Apple tree symbol "" followed past "Pay" for the service'southward proper noun, though the visitor also refers to it as "Apple Pay."

Available since October twenty, 2014, Apple Pay is designed to allow iPhone, iPad, Mac, and Apple Lookout users in the Usa, the United Kingdom, Australia, Canada, Singapore, Switzerland, Hong Kong, France, Russian federation, China, Macau, Japan, New Zealand, Espana, Taiwan, Ireland, Italy, Denmark, Finland, Sweden, UAE, Brazil, Ukraine, Norway, Poland, Belgium, Kazakhstan, Germany, Kingdom of saudi arabia, South Africa, Austria, the Czech republic, Iceland, Republic of hungary, Luxembourg, The Netherlands, Republic of bulgaria, Republic of croatia, Georgia, Cyprus, Republic of estonia, Greece, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Romania, Slovakia, Slovenia, Belarus, Serbia, Mexico, State of israel, Qatar, Chile, Bahrain, Palestine, Azerbaijan, Costa Rica, Colombia, Argentine republic, Peru, and Moldova to make payments for goods and services with their iPhones in retail stores using an NFC flake built into their iPhones.

Apple Pay also lets users make i-tap purchases within apps that accept adopted the Apple Pay API, and information technology is available on the spider web on devices running iOS 10 or macOS Sierra or later. Devices capable of using Apple tree Pay within iOS apps or on the web include the iPhone 6 and later, iPad Air 2 and later, iPad mini three and later on, iPad Pro models, and Macs with Touch ID. All of these devices feature Bear on ID or Confront ID and contain an NFC controller where the "Secure Element" of Apple Pay is located, keeping customer information private.

In 2017, Apple enabled person-to-person Apple Pay payments through the Messages app on the iPhone and Apple tree Watch. Using Apple Cash, you lot tin ship money to friends or family in the United States. Apple tree in Baronial as well introduced its own credit card, the Apple Card, which has unique perks and benefits and offers deep integration with Apple Pay and the Wallet app.

Apple Pay has seen a major alter with the introduction of the iPhone X and afterwards equally these iPhones feature Face ID facial recognition instead of Touch ID fingerprint hallmark. Facial scans rather than fingerprint scans are used to confirm payments.

To keep transactions secure, Apple uses a method known as "tokenization," preventing bodily credit card numbers from being sent over the air. Apple besides secures payments using Touch ID or Face ID on compatible iPhones and continual peel contact on the Apple Watch.

Apple is aiming to replace the wallet with Apple Pay, and the one-step payment process prevents people from needing to dig through a purse or wallet to observe credit or debit cards. Because information technology is built on existing NFC technology, Apple Pay works anywhere NFC-based contactless payments are accepted.

As of 2019, Apple Pay has overtaken Starbucks to become the most pop mobile payment platform in the United States, and it is on track to account for ten percent of global carte transactions past 2025.

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Setting Up Apple Pay

Apple Pay tin can be ready up in the Wallet app. Tapping the "+" icon in Wallet lets users to add a credit or debit card to Apple Pay, either selecting a card already on file with iTunes or scanning one in with the photographic camera. Apple tree Pay can as well be ready up by using the prompts when setting upwardly a new iPhone, iPad, or Mac.

Credit and debit cards are verified in just a few seconds, simply some cards require a phone call, app download, or an electronic mail to verify a carte earlier it tin be added to Apple Pay. Once a card is verified, it is immediately available for purchases both in stores and inside apps. Upwards to eight cards can be registered with Apple Pay at one fourth dimension.

Apple Pay can be managed in the Settings app, located in the "Wallet and Apple Pay" section. Each card added to Wallet is listed in that section, along with information like billing address, email, and telephone number. Tapping on a carte offers specific data similar last digits of the menu number, terminal digits of the Device Business relationship Number that replaces the bill of fare number in transactions, and it also provides contact information for the banking company that issued the menu.

Some cards are as well able to display transaction information, offer a list of contempo transactions that have been made, with Apple Pay or with a traditional purchase via physical card.

Apple Pay How Tos

• How to Change Your Default Carte du jour for Apple tree Pay Purchases on Your iPhone

• How to Modify Your Default Carte du jour for Apple Pay Purchases on Your Apple Sentinel

• How to Change Your Default Card for Apple Pay Purchases on Your Mac

How It Works

In a retail store, when approaching a point-of-sale organisation compatible with Apple Pay, the screen of the iPhone lights upwardly and opens Wallet automatically, where a user can tap on a credit bill of fare to exist used or pay with the default Apple tree Pay card.

A payment is made past holding a compatible iPhone or Apple Sentry well-nigh a checkout organisation that includes NFC, nearly of which look like standard carte du jour checkout terminals within stores. A finger registered with Touch ID must exist kept on the dwelling house button for a short amount of time (or the Apple Picket must be kept on the wrist), after which a payment is authenticated and the transaction is completed.

A completed payment is denoted past a slight vibration, a check mark on the screen, and a beep. On devices with Face ID, a facial browse is used in lieu of a fingerprint scan, and a double tap is required on the side push of the device to confirm a payment.

In some stores and in some countries, users may however be asked for a Pin code due to older point-of-auction machines, transaction limitations, and laws in certain countries, merely for the about office, checking out with Apple Pay is an like shooting fish in a barrel one-pace procedure that does not require a signature or PIN.

With Apple Pay, a cashier does non see a credit card number, a proper name, an address, or any other personally identifying information, making it more secure than traditional payment methods. In that location is no demand to take out a credit card or confirm the authenticity of a credit card with a driver'southward license or ID card, because all of that information is stored on the iPhone and protected by several built-in security systems, including Touch ID.

Making a payment online via Apple Pay is just equally simple every bit an in store payment considering it uses the same credit menu and authenticates with Touch ID in participating apps that take adopted the Apple tree Pay API. Using Apple Pay in an app or on a website bypasses all of the steps that are usually required when making an online purchase, including entering shipping and payment data.

After an item is added to an online cart and a user initiates the checkout procedure, Apple Pay tin be selected every bit the payment method. The shipping/billing address associated with the credit or debit card on file is automatically entered, as is a user's name, and the buy is confirmed via Touch ID. During this process, data like aircraft address can exist contradistinct, which is useful when ordering a gift. Online payments using Apple tree Pay for the web follow the aforementioned process.

Online and retail store payments are both limited to participating merchants. Apple tree Pay is only bachelor within apps and on websites that have adopted the Apple Pay API and to make a payment in a retail location, the shop needs to back up Apple Pay directly or allow NFC payments.

In More Detail

Compatible Devices

Apple Pay in stores is available for the iPhone 6, 6s, vi Plus, 6s Plus, SE, 7, seven Plus, 8, 8 Plus, X, XS, XS Max, XR, 11, 11 Pro, 11 Pro Max, iPhone 12 mini, iPhone 12, iPhone 12 Pro, and iPhone 12 Pro Max, iPhone 13 mini, iPhone xiii, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 14, iPhone xiv Plus, iPhone 14 Pro, and iPhone 14 Pro Max, all of which incorporate about-field advice (NFC) chips that take not been incorporated into previous-generation iPhones.

Apple Pay also works with Apple Lookout man, the company's wrist-worn vesture device, plus it can exist used with Macs and iPads that support Affect ID or Face ID.

Security

Apple puts a heavy emphasis on security when ad Apple tree Pay, to clinch iPhone owners that their payment information is safe, and, in fact, safer on an iPhone than inside of a wallet. According to former credit carte executive Tom Noyes, the way Apple Pay has been designed to piece of work makes it "the most secure payments scheme on the planet."

When a credit or debit card is scanned into Wallet for use with Apple Pay, information technology is assigned a unique Device Account Number, or "token," which is stored in the phone rather than an actual card number.

The iPhone itself has a special defended chip chosen a Secure Element that contains all of a user'southward payment information, and credit card numbers and information are never uploaded to iCloud or Apple's servers. When a transaction is fabricated, the Device Account Number is sent via NFC, along with a dynamic security code unique to each transaction, both of which are used to verify a successful payment. The dynamic security lawmaking is a ane-time use cryptogram that replaces the credit card'southward CCV and is used to ensure that a transaction is being conducted from the device containing the Device Business relationship Number.

Dynamic security codes and Device Account Numbers (aka, tokens and cryptograms) are not unique to Apple and are built into the NFC specification that the company is adopting. In fact, much of the Apple tree Pay organisation is built on existing engineering.

Along with Device Account Numbers and dynamic security codes, Apple also authenticates each transaction through Affect ID or Face ID. Whenever a transaction is conducted with an iPhone, a user must identify a finger on Bear on ID or complete a facial browse for the payment to go through.

With the Apple Watch, authentication is done through skin contact. When the watch is placed on the wrist, a user is prompted to enter their passcode. Subsequently a passcode is entered, as long as the device continues to take contact with the skin (which is monitored through the eye rate sensor), it'due south be able to be used to make payments. If the watch is removed and skin contact is lost, it can no longer be used to make payments.

Both Impact ID, Face ID, and the peel contact authentication method in the Apple Scout prevent someone who has stolen an iPhone or Apple tree Watch from making an unauthorized payment.

Because Apple utilizes Device Account Numbers, a user'southward credit carte du jour number is never shared with merchants or transmitted with payments. Store clerks and employees exercise not encounter a user's credit carte du jour at any point, and they also do non take access to personal information similar a proper noun or address considering an ID is non required for verification purposes.

Furthermore, if an iPhone is lost, the owner can utilize Find My iPhone to suspend all payments from the device, without needing to become through the hassle of canceling credit cards.

Banks are confident in Apple tree Pay's security, and have opted to presume liability for whatever fraudulent purchases made both in retail stores and online using the system.

Privacy

Apple has been conscientious to point out the company does not store or monitor the transactions that people brand with Apple Pay. Apple says it does not know what people are purchasing, nor does information technology relieve transaction information.

"Nosotros are not in the business of collecting your data," said Boil Cue during the keynote speech introducing Apple tree Pay. "Apple doesn't know what you bought, where y'all bought information technology, or how much yous paid. The transaction is betwixt yous, the merchant, and the bank."

U.S. Partners

Uniform Credit Cards and Banks

Apple has partnered with the major credit and debit card companies in the United states: Visa, MasterCard, Discover, and American Express. Apple has also signed deals with major banks, including Banking concern of America, HSBC, Capital One, Chase, Citi, American Express, and Wells Fargo, plus it has established deals with hundreds of smaller banks across the country.

A current list of banking company partners can be found on Apple's participating banks support document.

Store Credit Cards:

In October of 2015, Kohl's became the starting time retail store to allow Apple Pay to be used with its in-store credit cards. Kohl'south Accuse Cards tin can at present be added to Apple Pay and used to brand purchases in Kohl's retail stores. In May of 2016, Kohl'due south also became the outset retailer to support both store payments and rewards with a single tap in Apple Pay, allowing users to automatically get rewards points when using their Kohl's cards without the need for a 2nd Apple Pay transaction.

BJ'due south Wholesale Club Credit Cards began working with Apple Pay in December of 2015. JCPenney also began supporting Apple Pay in mid-2017 for its store cards, and other stores have also been implementing rewards into Apple Pay.

Retail Partners:

Because Apple tree Pay is based on already existing NFC applied science, the service works in hundreds of thousands of locations that accept contactless payments in the countries where Apple Pay is accustomed. Apple Pay launched with a handful of partners, but over the form of the terminal two years, many more stores accept begun accepting the payments service.

Apple Pay is accepted in more than a million retail stores, restaurants, gas stations, grocery stores, and more across the U.s.a.. By the get-go of 2019, Apple Pay was bachelor in 65 percent of U.S. retail locations. 74 of the elevation 100 merchants in the Usa have Apple Pay.

Some of Apple tree'due south partners include Best Buy, B&H Photograph, Bloomingdales, Chevron, Disney, Dunkin Donuts, GameStop, Jamba Juice, Kohl's, Lucky, McDonald's, Office Depot, Petco, Sprouts, Staples, KFC, Trader Joe's, Walgreens, Safeway, Costco, Whole Foods, CVS, Target, Publix, Taco Bong, and 7-11.

Transit systems in Philadelphia, Portland, Chicago, New York, Boston, San Diego, Los Angeles, Hong Kong, Toronto, Montreal, Washington, D.C., San Francisco, and 275 cities in Cathay have added support for Apple tree Pay, with a list of states, countries, and regions that support Apple Pay for transit available here.

Apple Pay can exist used to pay for transit on iPhone and Apple Watch, and in many of the in a higher place listed areas, Express Transit Mode is bachelor. With Express Transit Manner, the iPhone and Apple tree Sentry can exist used to quickly pay for rides without having to unlock the device, open an app, or validate with Face ID/Impact ID.

Apple Pay is also available in many places outside of traditional retail stores, including universities, ballparks, not-profit organizations, Bitcoin payment providers, and fifty-fifty ATMs from Banking company of America, Chase, and Wells Fargo.

A total list of locations where Apple tree Pay is accepted in the United States can be institute on Apple's Apple tree Pay website.

Apps:

Apple Pay back up can be built into whatsoever app, and thousands of apps, representing businesses both big and minor, accept Apple tree Pay equally a payment method in their apps. When used in an app, Apple tree Pay payments tin exist fabricated on iPhones and iPads equipped with Bear on ID fingerprint sensors.

Apple Pay Loyalty Bill of fare Integration

In the fall of 2015, Apple Pay began working with various store loyalty programs, allowing customers with loyalty cards stored in the Wallet app to utilise them over NFC in participating stores. Loyalty cards from eligible stores added to Wallet pop upwards at NFC terminals just similar credit cards.

Walgreens was the first company to support the Apple Pay loyalty program. Walgreens customers tin can add together their Walgreens rewards cards to Wallet where they can be used like any other credit or debit card during the checkout process to earn rewards points.

Checking out with a rewards card is a two-step procedure in nigh stores -- first it's necessary to activate the rewards carte du jour with a finger on Touch ID, followed by the bodily payment. Kohl's is an exception, having introduced i-touch rewards and payment integration.

Goldman Sachs Partnership

Apple and Goldman Sachs partnered to launch credit card chosen Apple Card that features Apple Pay branding and offers two percentage cash dorsum on Apple Pay purchases. Goldman Sachs replaced Barclays as Apple's financing partner, and Apple Card also offers financing options for Apple products in addition to cash bonuses for Apple Pay purchases. The Apple Menu is limited to the United states at the current time.

Apple tree's Cut

Apple collects a fee from banks each time consumers use the Apple Pay payment solution to make a purchase. According to rumors, Apple tree has struck individual deals with each bank it has partnered with, including Chase, Bank of America, Wells Fargo, and more than.

Apple'southward cut is reportedly at approximately 0.15 percent of each purchase, which equates to xv cents out of each $100 purchase.

Apple Pay on the Web

With iOS 10 and macOS Sierra, Apple Pay expanded to websites. Participating websites have begun offering Apple Pay as a payment choice when checking out, giving Apple Pay users an alternative to payments services like PayPal. Many websites and payment providers like Stripe, WePay, and SquareSpace support Apple Pay on the web.

On Macs with a Touch on Bar, purchases are verified through Bear upon ID. On other machines, purchases are verified through a connection to an Apple Sentry or an iPhone, with the purchase authorized via Touch on ID/Face ID, and on the iPhone and iPad, purchases are authorized through Touch ID (or Face ID on iPhone X) as normal.

Apple Cash

In iOS eleven.2, Apple introduced Apple Greenbacks (formerly Apple Pay Cash), designed to permit users to send peer-to-peer Apple Pay payments using Messages on the iPhone, iPad, and Apple Sentry. Apple Cash lets yous transport coin to friends and family with a connected debit card, similar to services like Square Cash or Venmo.

Money can exist sent in Messages using standard fingerprint/face authentication (or skin authentication on the Apple Watch), and funds received are bachelor in a new Apple Cash card that's located in Wallet. This card can exist used to brand Apple Pay purchases where Apple Pay is accepted (like to any other credit or debit card stored in Apple Pay), or information technology tin can be transferred to a bank account. Apple partnered with prepaid card provider Dark-green Dot for the Apple Cash card.

Sending money using Apple tree Cash via Messages requires an Apple Pay-compatible device, which includes the iPhone SE, iPhone 6 or later on, iPad Pro, iPad 5th & 6th generation, iPad Air 2, iPad mini 3 or later, and Apple Picket. Person-to-person payments are express to the United states of america at the current time.

Like many peer-to-peer money transferring services, sending money is free when a debit card is used, and while Apple tree used to allow money to be loaded using a credit card for a small fee, you can at present simply add money to Apple tree Cash via a debit card.

Apple Cash is limited to the United States, but could presently aggrandize to several countries in Europe.

According to a contempo study past Consumer Reports, Apple Cash is the best peer-to-peer mobile payments service thanks to Apple's robust security and privacy policies. Apple Greenbacks shell out Venmo, Foursquare Greenbacks, Facebook Messenger payments, and Zelle.

The Apple Bill of fare

Apple in August 2019 introduced the Apple Card, its ain credit menu in partnership with Goldman Sachs and Mastercard. The Apple Card is a new physical and digital credit card that iPhone users in the U.S. tin sign up for on the iPhone.

Apple Card works like a traditional credit carte du jour, but it is deeply integrated into the Wallet app, offering up existent-time views of the latest transactions and a complete overview of spending organized past category along with payment options optimized for encouraging minimal involvement.

Apple is offer a "Daily Greenbacks" greenbacks dorsum programme that gives you one percent greenbacks back on all purchases, 2 percent cash back on all Apple Pay purchases made with Apple Card, and 3 percent on all Apple tree-related purchases at Apple retail stores, the App Store, iTunes, and some third-party partner stores. Daily Cash is immediately available in the Wallet app, delivered on the Apple Cash bill of fare.

Apple besides offers three percent cash back when using the Apple tree Bill of fare with Apple Pay for Uber, Uber Eats, T-Mobile, Walgreens, Nike, and Duane Reade purchases. In the time to come, Apple also plans to bring three percent cash dorsum rewards to other merchants and apps.

Client support for Apple Card is done through the Messages app, and in that location are no fees associated with the carte du jour. Apple is aiming to provide depression interest rates, only APR is be based on credit score and credit approving is required. Privacy is a major focus, and the concrete Apple Card - fabricated out of titanium engraved with your name - has no number on it, no signature, and no expiration date, with info instead stored in the Wallet app.

Nosotros have a total guide with everything that you lot need to know well-nigh Apple Card bachelor hither.

Tap to Pay on iPhone

Apple tree in February 2022 introduced "Tap to Pay on iPhone," a characteristic designed to allow NFC-compatible iPhones to accept payments through Apple Pay, contactless credit and debit cards, and other digital wallets, without requiring boosted hardware.

The Tap to Pay feature is coming in the jump and it volition piece of work with the ‌iPhone‌ XS or later, allowing supported iOS apps to take ‌iPhone‌ to ‌iPhone‌ payments. At checkout, a merchant is able to prompt a customer to hold their ‌iPhone‌, Apple Watch, contactless credit or debit card, or other digital wallet shut to the merchant's ‌iPhone‌ to consummate a payment over NFC.

Stripe has appear that it will be the first payment platform to offer Tap to Pay on ‌iPhone‌ to business concern customers, including Shopify users, afterwards this leap. Apple Stores in the U.S. volition besides roll out support for the feature later this year.

International Expansion

UK

On July 13, 2015, Apple Pay expanded beyond the U.s.a. for the first time, launching in the Britain. Equally in the U.Southward., Visa, MasterCard, and American Express all supported Apple Pay at launch. UK Banks supporting Apple Pay at launch included MBNA, Nationwide, NatWest, Royal Bank of Scotland, Santander, and Ulster Depository financial institution. Offset Direct, HSBC, Clydesdale Bank, Yorkshire Banking company, Metro Banking company, The Branch Banking company, Starling Bank, and digital banking service B added back up at a subsequently date.

Apple has a listing of all the U.k. banks that support Apple Pay on its UK Apple tree Pay site. Nearly of the major banks in the state support the payments service, including holdout Barclays, which began accepting Apple Pay in Apr after a long delay.

More than 250,000 locations in support Apple Pay, ranging from fast food places like KFC and McDonald's to shops like Boots, Marks & Spencer, and Waitrose. A full list of retail shops and apps that accept Apple tree Pay can be found on Apple's website. Many UK-based apps are also accepting Apple tree Pay, similar Zara, TopShop, Five Guys, Hotel This evening, Miss Selfridge, and more.

British territories Guernsey, Isle of Human being, and Jersey also back up Apple Pay.

Australia

Apple Pay became available in November of 2015 through a partnership with American Limited, allowing American Express cardholders to use Apple Pay at any retailer that accepts contactless payments, but later on Visa, Mastercard, and eftpos began supporting Apple Pay. In Apr of 2016, Apple Pay expanded to ANZ, the first of Australia's four major banks to implement Apple tree Pay back up.

At launch, Australia's Republic Banking company (CBA), Westpac, and NAB attempted to appoint in collective bargaining with Apple in an attempt to force Apple to open up up the iPhone's NFC capabilities to support other digital wallets, but the attempt was blocked past the Australian regime and as of April 2020, all of the four major banks in Australia support Apple Pay.

Through a partnership with Cuscal, Apple Pay is too available at more than than 31 small banks and credit unions, making it bachelor to four million Australians who are customers of those financial institutions. ING Direct and Macquarie have as well implemented Apple Pay support, every bit have HSBC and Bendigo. In April of 2018, Citibank added Apple Pay support in Commonwealth of australia.

A list of retailers that officially support Apple tree Pay in Commonwealth of australia can be plant on the Australian Apple Pay website.

Canada

Apple Pay launched in Canada in Nov of 2015 through an American Limited partnership, allowing American Limited cardholders in Canada to use Apple Pay at any retailer that accepts contactless payments.

Later debuting through the American Express partnership in 2015, Apple Pay in Canada expanded to two major Canadian banks, RBC and CIBC, on May 10, 2016. Apple Pay further expanded to Canada Trust, Scotiabank, BMO, Tangerine, and MBNA, and with all major Canadian banks accepting Apple Pay, the payments service is bachelor 90 percent of Canadian banking customers.

A list of participating retailers and banks in Canada is available on Apple tree's Canadian Apple Pay website.

Communist china

Apple Pay launched in China on February xviii, 2016, through a partnership with Cathay UnionPay, China's state-run interbank network. China UnionPay carte du jour holders with an eligible debit or credit menu tin use their cards at whatever location that has a UnionPay-compatible indicate-of-sale organization available. Apple has signed deals with 19 of the biggest lenders in China, making 80 percent of credit and debit cards in China eligible for utilize with Apple Pay.

Hong Kong

Apple tree Pay launched in Hong Kong on July twenty, 2016, with support for Visa, MasterCard, and American Express debit and credit cards issued by Hang Seng Banking company, Banking concern of Mainland china (Hong Kong), DBS Bank (Hong Kong), HSBC, Standard Chartered, Citibank, and directly from American Limited. BEA and Tap & Go began accepting Apple Pay presently subsequently in Baronial of 2016.

Apple tree Pay retailers in Hong Kong include 7-Eleven, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald'southward, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and everywhere else contactless payments are accepted.

Macau

Apple Pay launched in Macau, a Special Administrative Region of People's republic of china, in August 2019. Apple Pay in Macau works with Banco Nacional Ultramarino (BNU) and UnionPay International Hong Kong Branch (UPI).

Singapore

Apple Pay launched in Singapore in April of 2016 through a partnership with American Express. Apple tree Pay back up subsequently expanded to cover Visa, American Express, and Mastercard credit and debit cards issued by POSB, DBS, OCBC, Standard Chartered, UOB, HSBC, and Citibank. Apple tree Pay is now available to more 80 percent of Visa and Mastercard cardholders in the country.

A list of retail locations where Apple Pay is accustomed can exist found on Apple's Singapore website.

Switzerland

Apple Pay expanded to Switzerland on July seven. Apple tree Pay is bachelor for MasterCard and Visa credit and debit cards issued past Bonus Menu, Cornèr Bank, Swiss Bankers, and UBS.

Apple Pay is accepted at many retailers in Switzerland, including ALDI SUISSE, Apple, Avec, Hublot, Yard Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and everywhere else contactless payments are accepted.

France

Apple Pay expanded to France on July 18, 2016. MasterCard and Visa credit and debit cards issued past Banque Populaire, Ticket Restaurant, Carrefour Banque, Caisse d'Epargne, BNP Paribas, HSBC Bank, Brilliant Coin, and more are available for use with Apple Pay in the country.

As listed on the Apple Pay French republic website, Apple Pay is bachelor at a wide range of retailers similar Bocage, Le Bon Marché, Cojean, Dior, Louis Vuitton, Fnac, Sephora, Flunch, Parkeon, Pret, and more.

Japan

Apple Pay became available in Japan on Oct 24, 2016. Apple Pay in Japan works with credit and debit cards issued by American Express, Visa, JCB, Mastercard, Aeon Financial, Orico, Credit Saison, SoftBank, d Card, View Carte du jour, MUFG Card, APLUS, EPOS, JACCS, Cedyna, POCKETCARD, Life, and more.

Suica and PASMO transit systems are compatible with Apple Pay and Limited Transit mode in Japan, allowing users to pay for transit fares and other transactions with the iPhone or Apple Lookout. Many retail locations, shops, restaurants, and other areas in Japan likewise support Apple Pay, with details on Apple tree's Japanese Apple Pay website.

Russia

Apple pay expanded to Russia on October iv, 2016, with the payment service bachelor for utilise with the following financial institutions: Tinkoff Bank, Bank Petrograd, Raiffeisenbank, Yandex.Money, Alfa-Bank, MTS Depository financial institution, VTB 24, Rocketbank, MDM Bank, and Mir, Russia'south national payment system.

Participating retailers in the country include TAK, Magnit, Media Markt, Auchan, Azbuka Vkusa, bp, M.Video, TsUM and authorized Apple tree reseller re:Store. A full list is available on Apple's Russian Apple Pay website.

Republic of belarus

Apple Pay launched in Belarus on November nineteen, bachelor to BPS Sberbank customers who have a Visa or Mastercard. BPS Sberbank is the Belarusian branch of PJSC Sberbank, a atate-endemic Russian banking company.

New Zealand

Apple Pay launched in New Zealand through a partnership with ANZ on October 12, 2016. Apple Pay initially only worked with credit and debit cards issued by ANZ, but BNZ added support in October of 2017. Westpac subsequently began supporting Apple Pay in 2019.

Apple Pay is available at many locations in New Zealand, including McDonald's, Domino's, Glassons, K-Mart, Hallenstein Brothers, Stevens, Noel Leeming, Storm, and more than, with a full list available on the Apple Pay New Zealand website.

Spain

Apple Pay launched in Spain on December 1, 2016. Apple tree Pay is bachelor to American Express, CaixaBank, ImaginBank, ING, Banco de Santander customers, and credit and debit cards issued by Carrefour and Ticket Eating house are also accustomed.

A full list of Apple Pay retail partners and compatible apps is located on Apple'southward Spanish website.

Ireland

Apple Pay expanded to Ireland in March of 2017. Apple Pay is bachelor for Visa and MasterCard holders that bank with KBC, Banking company of Republic of ireland, Ulster Banking company, AIB, Permanent TSB, and more than.

Participating retailers in Republic of ireland include Aldi, Amber Oil, Applegreen, Boots, Burger King, Centra, Dunnes Stores, Harvey Norman, Lidl, Marks and Spencers, PostPoint, SuperValu, and more than, with a full listing of participating retailers available on the Irish Apple Pay website.

Taiwan

Apple Pay launched in Taiwan on March 28, 2017. Apple Pay is bachelor to Visa and MasterCard holders who are customers of China United Depository financial institution, CTBC Bank, East. Sunday Commercial Bank, Standard Chartered Depository financial institution, Taipei Fubon Commercial Bank, Taishin International Bank, and Union Bank of Taiwan.

A list of stores and websites that support Apple Pay in the country is bachelor on Apple'due south Taiwan Apple tree Pay website.

Italia

Apple Pay launched in Italy in May of 2017, post-obit hints of an imminent launch for weeks. Apple Pay works with American Express cards issued by American Express, and Visa and MasterCards issued past Carrefour, UniCredit, Banca Mediolanum, ING, and others.

Apple Pay works in retail stores that have contactless payments, with a list of partners bachelor on Apple's Italian Apple Pay website.

Denmark

Apple Pay launched in Denmark in October of 2017. Jyske Depository financial institution (Visa debit cards merely), Arbejdernes Landsbank, Spar Nord, Nordea, and Danske Bank back up Apple Pay in Denmark. Apple tree Pay payments are accepted wherever contactless payments are bachelor, and a list of supported retailers and more data on Apple Pay tin can be institute on Apple'due south Apple tree Pay website in Denmark.

Finland

Apple Pay launched in Finland in October of 2017.In Republic of finland, credit and debit cards from Nordea, Aktia, and ST1 work with Apple Pay. Apple Pay payments are accepted wherever contactless payments are available, and a listing of supported retailers and more information on Apple Pay can be plant on Apple's Finland Apple Pay website.

Sweden

Apple Pay launched in Sweden in October of 2017. In Sweden, credit and debit cards from Nordea, Swedbank, and ST1 work with Apple Pay. Apple tree Pay payments are accepted wherever contactless payments are available, and a list of supported retailers and more information on Apple tree Pay can be found on Apple'southward Apple tree Pay website in Sweden.

United Arab Emirates

Apple Pay launched in UAE in October of 2017. In the United Arab Emirates, several banks are supporting Apple Pay, including Emirates Islamic (Visa credit, debit, and prepaid cards), Emirates NBD, HSBC (Visa and Mastercard credit and debit cards), mashreq, RAKBANK (Mastercard credit, debit, and prepaid cards), and Standard Chartered Banking concern.

Apple Pay payments are accepted wherever contactless payments are available, and a list of supported retailers and more information on Apple Pay can be plant on Apple's UAE Apple Pay website.

Brazil

Apple Pay expanded to Brazil in April of 2018 through a partnership with Brazilian bank Itaú Unibanco. Apple Pay can be used with credit and debit cards issued by Itaú Unibanco in retail stores where NFC payments are accepted and within apps.

Apple Pay in Brazil is acccepted in several retail stores, including Starbucks, Taco Bell, Cobasi, Bullguer, Fast Shop, and more than, with a full list of locations available on Apple tree'southward Apple Pay website in Brazil.

Ukraine

Apple Pay became bachelor in Ukraine on May 17, 2018. The service works with credit and debit cards issued past PrivatBank at the current time, with Oschadbank planning to add support for Apple Pay in the time to come.

Poland

Apple Pay launched in Poland on June xviii, 2018, and it works with Visa and Mastercard credit and debit cards issued by the post-obit banks: BGZ BNP Paribas, Bank Zachodni WBK, Alior Bank, Raiffeisen Polbank, Nest Depository financial institution, mBank, Depository financial institution Pekao, Bank Millennium, and Getin Bank.

Norway

Apple Pay launched in Norway on June 19, 2018, and it works with Visa and Mastercard credit and debit cards from Nordea and Santander Consumer Finance.

Belgium

Apple Pay launched in Belgium in Nov 2018 through an exclusive partnership with BNP Paribas Fortis and its subsidiary brands Fintro and Hello Bank. Customers of these banks are able to use Apple Pay to make payments for purchases online, in apps, and in retail locations that support contactless payments. Apple Pay availability later expanded to KBC in 2020, and ING Belgium in 2021.

Republic of kazakhstan

Apple Pay launched in Republic of kazakhstan in November 2018. Apple Pay is available to Visa and Mastercard credit and debit carte holders in Republic of kazakhstan who bank with Eurasian Bank, Halyk Banking company, ForteBank, Sberbank, Banking concern CenterCredit, and ATFBank.

Frg

Apple Pay launched in Federal republic of germany on December 10, 2018, with the service available through American Express, Deutsche Bank, Viabuy, Consorsbank, Hanseatic Bank, HypoVereinsbank, Edenred, Comdirect, Fidor Banking company, Sparkasse, Sparkassen-Card, Commerzbank, and mobile banks and payment services o2, N26, bunq, and VIMpay.

Apple Pay in Germany tin exist used at retailers that include Aldi, Burger Rex, Lidl, McDonalds, MediaMarkt, Pull&Bear, Beat out, Starbucks, Vapiano, and many more than locations, every bit listed on Apple tree'due south Apple Pay site for Deutschland.

Saudi arabia

Apple Pay launched in Saudi arabia on February 19, 2019. It is available for Visa and Mastercard holders that bank with Al Rajhi Bank, NCB, MADA, Riyad Bank, Alinma Banking concern, and Bank Aljazira.

A list of locations where Apple Pay tin be used in Saudi Arabia is available on the Apple Pay website for Saudi Arabia.

Czech Republic

Apple Pay launched in the Czech republic on Feb xix, 2019. Apple Pay in the country works with Air Bank, Česká spořitelna, J&T Banka, Komerční banka, MONETA Money Bank, mBank, and payments service Twisto.

A list of locations where Apple Pay is accustomed in the Czech Republic can be found on Apple's Apple Pay website for the country.

Austria

Apple tree Pay became available in Republic of austria in Apr 2019. Erste Bank, Sparkasse, N26, Bank Austria, and Raiffeisen Banking company support Apple tree Pay in Austria, so customers from these banks can add their credit and debit cards to the Wallet app for use with Apple tree Pay.

A listing of locations where Apple Pay is accepted in Republic of austria tin can exist found on the Austrian Apple Pay website.

Iceland

Apple Pay launched in Republic of iceland in May 2019, allowing customers who bank with Landsbankinn and Arion banki to use their credit and debit cards with the Apple Pay service to make contactless payments.

Hungary

Apple tree Pay launched in Hungary in May 2019, assuasive OTP Depository financial institution customers use Apple Pay with their credit and debit cards. A listing of locations where Apple Pay can be used in Hungary is available via Apple tree's Apple Pay website in the country.

Luxembourg

Apple Pay launched in Grand duchy of luxembourg in May 2019, allowing BGL BNP Paribas customers use Apple tree Pay with their credit and debit cards. At this time, BGL BNP Paribas is the sole bank supporting Apple Pay. A list of locations where Apple tree Pay tin be used in Luxembourg is bachelor via Apple'due south Apple Pay website in the state.

The Netherlands

Apple tree Pay launched in Kingdom of the netherlands in June 2019, allowing customers of ING, Bunq, Monese, N26, Revolut, ABN AMRO, Rabobank, and De Volksbank (parent company of SNS, ASN Depository financial institution, and RegioBank), to make Apple Pay purchases with debit and credit cards.

Apple Pay can be used in The Netherlands with several online and high street retailers including Adidas, ALDI, Amac, ARKET, BCC, Burger King, Capi, cool blueish, COS, Decathlon, Douglas, H&Grand, Colossal, Lidl, McDonalds, Starbucks, and others, with a full list available on Apple'due south Apple Pay website for The Netherlands.

Georgia

Apple Pay expanded to the country of Georgia in September 2019. Information technology is available to Banking concern of Georgia credit card holders.

Major European Expansion

In June of 2019, Apple Pay expanded to multiple European countries including Bulgaria, Republic of croatia, Cyprus, Estonia, Greece, Latvia, Liechtenstein, Lithuania, Republic of malta, Portugal, Romania, Slovakia, and Slovenia.

Apple tree Pay works with a number of popular banks in these countries, with details available for each country on Apple's website.

Serbia

Apple Pay launched in Serbia in June 2020, assuasive Mastercard users who banking company with ProCredit to add together their cards to the Wallet app for contactless Apple Pay payments.

South korea

Apple is in the early stages of discussions to bring Apple Pay to Republic of korea, simply it may withal exist some time before the service launches in the country. Because NFC terminals are not common in South Korea, Apple needs to encourage more retailers to implement NFC support.

Israel

Apple Pay launched in Israel in May 2021, and all bank and credit card companies in the country support Apple Pay. Not all credit cards are supported, nonetheless.

Depository financial institution Hapoalim, Banking company Leumi, Banking company Massad, Discount Bank, The Outset International Banking concern Group, ICC-CAL, Isracard, Pepper Bank, MAX, Mercantile Bank, and Mizrahi-Refahot back up Apple Pay.

Mexico

Apple tree Pay launched in United mexican states on February 23, assuasive Citibanamex, Banorte, HSBC, and Inbursa customers with American Limited and MasterCard debit and credit cards to use Apple tree Pay in the country when making contactless payments.

Many stores in Mexico support Apple Pay, including 7-Eleven, Petco, PF Changs, Xcaret, and more, with a full list available on the Apple Pay Mexico website.

Due south Africa

Apple tree Pay launched in Southward Africa in March 2021. Apple tree Pay is available for Discovery, Nedbank, Absa, and FNB customers in the state.

Qatar

Apple Pay launched in Qatar in August 2021, and it is available with the QNB Group, the largest fiscal institution in the Middle East and Africa. QNB Depository financial institution users in the country can utilize Apple tree Pay in Qatar, and Apple Pay is also available for Dukhan banking concern users.

Chile

Apple Pay expanded to Republic of chile in September 2021, and it is bachelor to Banco de Chile and Banco Edwards customers who have Visa cards.

Bahrain

Apple tree Pay expanded to Bahrain in October 2021, and it is available customers with an eligible credit or debit card.

Palestine

Apple tree Pay expanded to Palestine in October 2021, and it is bachelor customers with an eligible credit or debit card.

Colombia

Apple Pay launched in Colombia in November 2021. Bancolombia customers tin can add their Visa and Mastercard credit and debit cards to the Wallet app to make Apple Pay purchases.

Azerbaijan

Apple Pay launched in Azerbaijan in Nov 2021 for those who banking company with Banking company Respublika, Unibank Sanin, ABB, and Kapital Bank, allowing card holders to make purchases through Apple Pay.

Costa Rica

Apple Pay came to Costa Rica in Nov 2021, with major banks that include BAC, BCR, Scotiabank, and Promerica offering support.

Peru and Argentine republic

Apple Pay launched in Republic of peru and Argentina in March 2022. Banks that back up the feature in Republic of peru include Rappi Bank, International Depository financial institution of Peru, Banco de Credito del Republic of peru, and BBVA. Banks that support Apple Pay in Argentine republic include Brubank, Banco de Galicia S.A., Banco Macro S.A., Banco Patagona S.A., and BBVA.

Moldova

Apple Pay became bachelor for Apple users in Moldova in April 2022. Customers of Moldinconbank, Maib, and Victoriabank are able to utilise Apple Pay.

Malaysia

Apple Pay launched in Malaysia in August of 2022. Visa and Mastercard cards from AmBank, Maybank, and Standard Chartered Banking company can be used with Apple tree Pay. Apple Pay is available at locations that include Starbucks, Hamlet Grocer, Shopee, Pizza Hut, Mydin, Watsons, and more.

India

Apple was working on expanding Apple Pay to India, but plans for the payments service in the country have been shelved for the time being due to regulatory issues and technical problems. The Reserve Bank of Bharat requires companies to store payments data for local users in India, which has led to uncertainties nigh Apple Pay'southward rollout in the country. At that place is no word on when Apple tree Pay will come to Republic of india.

Competition

Walmart, the biggest retailer in the Usa has refused to implement Apple Pay and has instead rolled out its ain proprietary payment arrangement, Walmart Pay. With Walmart Pay, customers can make purchases and payments in Walmart retail locations using a QR lawmaking in the Walmart app. Walmart Pay is available nationwide at all Walmart locations.

Other Apple Pay competitors include Samsung Pay and Google Pay (formerly known equally Android Pay), two mobile payment solutions created by Samsung and Google, respectively. These payment solutions are largely designed for Android devices, simply even iPhone users can use Google Pay Send for sending money to friends.

Source: https://www.macrumors.com/roundup/apple-pay/

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