What is Apple Pay?
Apple pay, which first launched in the US last year is a contactless payment technology from Apple that is now also available in the UK. It pulls sensitive data from your debit and credit cards via your Passbook app and enables your iPhone 6, 6 Plus or Apple Watch to double as a wallet, as well as giving you the ability to pay for goods within mobile apps.
First of all you'll need one of these 3 compatible devices:
Next you'll need a bank card. Apple Pay works with most of the major credit and debit card company's. It works with Visa, Mastercard and American Express cards from these banks: American Express, First Direct, HSBC, Nationwide, NatWest, Royal Bank of Scotland, Santander, and Ulster Bank. It'll soon also work with cards from Bank of Scotland, Halifax, Lloyds Bank, M&S Bank, MBNA, and TSB.
Apple Pay doesn't save your details at all, it simply links with your card and creates a token that replaces your card details. It pretty much creates its own number for each of your cards.
How To Use Apple Pay
To know if a store has Apple Pay functionality you will need to look out for one of these symbols at the checkout.
To pay with your iPhone at the checkout you will need to hold your device near the contactless reader, when the pop-up appears hold your finger on Touch ID and the transaction will go through.
To use an Apple Watch to pay through Apple Pay, it will obviously need to be paired with an iPhone (iPhone 5 or later). To pay you will need to double click the side button and hold the display of the Apple Watch up to a registers contactless reader, it's as simple as that.
Where Can You Use Apple Pay?
Apple has a list of all places that currently accept wireless payments through iPhone and Apple Watch. But you can use both your phone and watch to pay for items in any store that has a contactless payment machine.
So that's that, it's an unbelievably simple process. If you have any questions let us know in the comments below.