apple pay needs to be compatible with my bank?

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by al404, Jul 26, 2017.

  1. al404 macrumors 6502

    al404

    Joined:
    Apr 24, 2011
    Location:
    Novara, Italy
    #1
    I'm not really sure i got it right, because i thought that Apple Pay is like PayPal and all i have to do is to connect my credit card ( visa / mastercard ) but I try to do it iPhone says that my bank is not supported
     
  2. LoveToMacRumors macrumors 68020

    LoveToMacRumors

    Joined:
    Feb 15, 2015
    Location:
    Canada
  3. Nermal Moderator

    Nermal

    Staff Member

    Joined:
    Dec 7, 2002
    Location:
    New Zealand
    #3
    It only works with a limited number of banks. There is a list here.
     
  4. LoveToMacRumors macrumors 68020

    LoveToMacRumors

    Joined:
    Feb 15, 2015
    Location:
    Canada
    #4
    You live in Italy?

    Here's the list of banks that supports Apple Pay

    Italy*


    • American Express
    • Banco Mediolanum
    • boon. by Wirecard
    • Carrefour Banca
    • UniCredit


    * San Marino and Vatican City also support Apple Pay.
     
  5. CTHarrryH macrumors 65816

    Joined:
    Jul 4, 2012
    #5
    Banks need to approve and there is back end processing that they need to do - also, in the US, even if your bank approves in general, you need to contact them when you add.
     
  6. al404 thread starter macrumors 6502

    al404

    Joined:
    Apr 24, 2011
    Location:
    Novara, Italy
    #6
    ok thank, in italy there are only 5 but banks in that list are actually 2 and none of them is mine
    it seems a pretty complicated process is not really in apple style, PayPal is way easier but as far as I know it will be connected to Samsung pay
     
  7. ecschwarz macrumors 65816

    ecschwarz

    Joined:
    Jun 28, 2010
    #7
    Not like PayPal at all - let me try to explain it in a sort of overview form. Basically what happens when you add a card is that Apple puts your device in contact with your bank and your bank generates a token (essentially a throwaway card number that is unique to your device). So, if your card was 1234 5678 9012 3456, your Apple Pay number on your phone may be 9876 5432 1012 3456 and on your watch may be 4321 0987 6556 0123 even though they all point to the same account. When you pay in person, in an app, or on the web with that device, the tokenized number is passed through the merchant and when it hits your bank, points back to your account.

    In the case of a data breach or other fraud, the merchant only has the token number from your device, so your bank can issue a new one and the number on your physical card is not seen.

    If you delete your card from your device, the token is destroyed, and if you re-add it, you'll get a different token number.

    Android Pay uses tokenization, and I think Samsung Pay should, too, but I think those allow you to add unsupported cards as a copy. I think for this, Apple saw it as a better solution to work with banks to come on board, rather than allowing people to add cards without tokenization and the extra security benefits.

    In the U.S., there's a lot of smaller banks and credit unions that have been late to the Apple Pay party, but are getting added. I suspect Apple will be working with more as time goes on (at launch, only the largest banks were part of Apple Pay and only 3 of the 4 major credit card types were supported).
     

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