Eh, I've pre-ordered with Apple pay before. Never had this problem. Something else went wrong and whoever you talked to just assumed it had to be Apple pay.
The thing is your logic makes sense, it is a one time number generated but there must be a fail safe in place to allow for this. if you couldn't re-use the number once authorized how could you return a purchase.
When you pay for something, a transaction-specific dynamic code is used for authorisation. Now, those codes are different for each transaction, so Apple (or anyone else) can't use the same code or authorisation to charge you for something more than once or charge you for something else.
That explains why people have had issues with Apple Pay, because the transaction-specific dynamic code cannot be used to authenticate the transaction again.
It is quicker actually; assuming it works. To be honest I've only used Apple Pay 5 times and didn't have an issue at all. I just liked the idea of having the phone already paid for by way of a gift card and I don't have to worry about something going wrong with my CC or Apple pay itself.It's pretty clear that Apple Pay is not the solution for ordering quicker. I hope I'm proven wrong on this one....
There's a Device Account Number that's specific to your device, created by the bank when you add a card, which is used to locate transactions - so it's used when you want to return something, as this can be used to track the purchase back to you by the retailer (i.e Apple in this case). Apple doesn't store your card details, just the DAN, in the Secure Enclave.
When you pay for something, a transaction-specific dynamic code is used for authorisation. Now, those codes are different for each transaction, so Apple (or anyone else) can't use the same code or authorisation to charge you for something more than once or charge you for something else.
That explains why people have had issues with Apple Pay, because the transaction-specific dynamic code cannot be used to authenticate the transaction again. It gets authenticated when you pre-order, which is when Apple places a hold or deduct $1/£1 from your card for verification or to ensure the funds are there, so the same code cannot be used to charge the card again.
I have been using Apple Pay for several of my Apple products using the Apple Store app and have had NO problems at all. My air pods were pending for a few weeks then I was charged once it was to be shipped. No issues at all.
I ordered with Apple Pay in the past and had a problem and was curious if any of you had encountered the same. I think I didn't get in the fastest batch so my delivery was like 2-3 weeks. So an initial pending charge hit the CC associated with my Apple Pay. It dropped off a few days later.
Then when my order was ready to ship they tried to charge me again but it failed and I got an email. The Apple rep said something about since I did it with Apple Pay the number that was generated was a one time use number when I placed the order. Then when my order went to ship the original number that was generated was denied because it was a 1 use number. I'm going by memory but this is similar to what they said.
They said no matter how many times they tried to hit my CC it would fail. So they allowed me to give them a new CC number but this pushed me to the back of the line. This caused me to get my item like 5-6 weeks after this and they said there was nothing they could do.
Anyone ever had any similar issues or maybe it was a glitch of some sort and the rep had no clue what was going on?
For me paying with Apple Pay and paying with cc is the same number of clicks using the app so I don’t think Apple Pay is worth it.
Apple Pay.
1. Press Apple Pay button
2. See final charges and ability to modify card used
3. Press on Pay
4. Use Touch ID
Credit card:
1. choose other payment method button
2. Touch ID (sometimes password required, maybe if not using app for a while)
3. details come up ie. Shipping, credit card.
4. Press Pay.
The only bad thing is since they take the app offline for so long, it will make you enter in your password and not touch id So thats a big extra step....
And back to the OP situation: pre-ordered my 8 with the Apple Store app and Apple Pay with no issue and fast.
This is really important. I’m doing tests (as I live in Italy and Apple Pay isn’t available for the Apple Store App), it asks for password, and then for the CCV!!! I simulated some orders, and it seems to enable the Touch ID for the next orders, but after some hours it just asks for the password again. How many hours and when the Apple Store will be offline? (In the past?)Do you know how long it has to be that touch id won't work anymore. are you sure there is a timeline once you have entered password once within the app already. I just tried this today on ipad and iphone and i had to enter password the first time, now it doesn't ask.
https://www.macrumors.com/2017/07/27/apple-store-app-touch-id-for-apple-id/
There is an option in account settings of the apple store app to enable touch id (includes checkout), therefore I would expect I wouldn't have to enter password again. If this is the case, CC is same speed as apple pay
You can call them ahead of time and let them know you have a large transaction with Apple that will be coming through. They flag it and it shouldn't be an issue.I bought the Apple Watch series 3 and 2 bands on preorder, with Apple Pay - no issue.
Only thing that worries me is the amount, $1000 might be ok, but nearly $2000? Though, my CC company knows I use the Apple store all the time, so I don't think there will be an issue.
Ya, apple must have a method, they want us all to pay with apple pay so this has to work. If it doesn't work, I will see how high my complaint can escalate.I bought the Apple Watch series 3 and 2 bands on preorder, with Apple Pay - no issue.
Only thing that worries me is the amount, $1000 might be ok, but nearly $2000? Though, my CC company knows I use the Apple store all the time, so I don't think there will be an issue.
I should do that just to be safe.You can call them ahead of time and let them know you have a large transaction with Apple that will be coming through. They flag it and it shouldn't be an issue.
Do you know how long it has to be that touch id won't work anymore. are you sure there is a timeline once you have entered password once within the app already. I just tried this today on ipad and iphone and i had to enter password the first time, now it doesn't ask.
https://www.macrumors.com/2017/07/27/apple-store-app-touch-id-for-apple-id/
There is an option in account settings of the apple store app to enable touch id (includes checkout), therefore I would expect I wouldn't have to enter password again. If this is the case, CC is same speed as apple pay
This is really important. I’m doing tests (as I live in Italy and Apple Pay isn’t available for the Apple Store App), it asks for password, and then for the CCV!!! I simulated some orders, and it seems to enable the Touch ID for the next orders, but after some hours it just asks for the password again. How many hours and when the Apple Store will be offline? (In the past?)
EDIT
When the store is offline, are the other tabs (settings etc.) available?
You can call them ahead of time and let them know you have a large transaction with Apple that will be coming through. They flag it and it shouldn't be an issue.
It looks to me like the issue is if the Device Account Number changes before the charges have gone through. Either by removing the credit card, formatting the phone etc. When that happens the bank removes the link to your credit card. This will prevent the transaction from going through.
The authorization hold of $1 does not count as the one time transaction as this is the standard procedure for many orders and not just preorders.
So as long as the credit card remains linked through Apple Pay there should be no problem.
Don't they take out the money right there and then?
That's what I recall happening with my 8 pre-order via Apple Pay: charged (pending status) right away and posted with card issuer two days later.