Apple Pay Setup Process Revealed as Retail Employees and Partners Begin Training

[Rigby]

Since it seems like Apple Pay transactions are debit transactions (since Apple Pay requires a participating bank), I wonder if it will be possible to get cash back when using Apple Pay to make a purchase? Example, my last trip to Walgreens was to buy a pack of gum so I could get $20 cash.

You will only get cashback at the register if the underlying card enrolled in Apple Pay is a debit card. Apple Pay transactions will behave exactly like transactions using the physical card.

Conversely, if the underlying card is a credit card, you will get all its benefits too (points/miles/rewards, purchase protection, and whatever other features the card has).

 

[lk400]

So many retailer's (bodies) are ready in Australia with all the NFC readers already installed, why weren't we a launch country

(That would sure help with the profit that needs to be made up for to make '$$$')

I can't wait to do all of my touch payments through my phone instead of taking out my card

And I am quite sure that Japan has even more, as we have had contactless payments for a decade and they can be used in so many places. Also, iphone is the most popular smart phone here by a long shot. But we too were not a launch country.

Hopefully both of our countries will get it soon (Australia seems to get things early - like itunes radio).

 

[jimthing]

I get what you are trying to say but your math is extremely flawed.

Apple users will not spend $2.8 trillion dollars all through Apple Pay. That's the 20% of the $14t you talked about.

You're not going to be buying a house, car, boat and many, many other things all through Apple Pay.

That's not what that figure is – that figure is just for SHOPPING alone, not houses (which are massively mortgaged).

So yes, just 20% of such spending through Apple Pay over the long-term is certainly not an unreasonable percentage; especially given it's just people using their debit and credit cards anyway, just as we all currently use the silly physical plastic cards in our wallets several times a day, day-in day-out.

 

[Dear.Apple]

It looks like Samsung's payment system.
Samsung is first leader about using NFC function.. What's different when I try this?

 

[pmbooks]

My iphone's 12 months old today. It won't be able to use this payment system.

 

[kdarling]

My iphone's 12 months old today. It won't be able to use this payment system.

If you have an iPhone 5, 5C, or 5S you can buy an Apple Watch and use it for NFC payments.

(Not sure why the 4S isn't supported, as apparently neither TouchID nor a Secure Enclave is needed. And the 4S has low power Bluetooth, right?)

 

[jlwarlow]

Don't worry about going with the 5S. Apple will tell you that you can still buy an Watch to start using Apple Pay

Apple watch will need iPhone 5 or later (http://www.apple.com/watch/technology/). It if had supported 4s then that would have been a great option!

 

[diamond.g]

Apple watch will need iPhone 5 or later (http://www.apple.com/watch/technology/). It if had supported 4s then that would have been a great option!

I know the 4S has BT 4.0 but does it only have the classic part, or does it have LE as well?

 

[locust76]

Examples?

Mobile Me
Apple Maps
The atrocious hoops you have to jump through if something on iTunes Match doesn't match properly...

etc..

 

[73b]

Anyone else concerned with the automatic adding of the card associated with the iTunes account? My account is registered under my dad's card and I'm sure he wouldn't want me using it . I can see a lot of parents with unwanted charges from their kids' phones.

 

[kdarling]

Anyone else concerned with the automatic adding of the card associated with the iTunes account?

The iTunes card is not added automatically. It's given as a first choice that you can add by simply entering the card security code.

What you might be thinking of, is that the first card added, becomes the default card unless you change it.

You're right about one thing: millions of people will probably add their iTunes card right away to try out NFC payments, because it's easiest. Which renders part of the Apple "we don't keep your card details" claim as moot, since they already have all the details on that card stored in their iTunes servers.

 

[jlwarlow]

I know the 4S has BT 4.0 but does it only have the classic part, or does it have LE as well?

As far as I can tell it does: https://www.macrumors.com/2011/10/04/iphone-4s-supports-low-energy-bluetooth-4-0/ but I have no BLE devices to verify. Maybe there's another reason the 4s won't work with the Apple Watch - maybe not enough processing power on the 4s to support the Watch? I've read the Watch will offload a lot of processing to the iPhone to conserve power on the Watch.

 

[caesarp]

The iTunes card is not added automatically. It's given as a first choice that you can add by simply entering the card security code.

What you might be thinking of, is that the first card added, becomes the default card unless you change it.

You're right about one thing: millions of people will probably add their iTunes card right away to try out NFC payments, because it's easiest. Which renders part of the Apple "we don't keep your card details" claim as moot, since they already have all the details on that card stored in their iTunes servers.

No way, it will be much more interesting to add a card to Apple Pay via the camera isight functionality (even the card that's already in iTunes). That's what I plan to do. Add the card in iTunes as if its not there already.

 

[kdarling]

No way, it will be much more interesting to add a card to Apple Pay via the camera isight functionality (even the card that's already in iTunes). That's what I plan to do. Add the card in iTunes as if its not there already.

Yep, that'll be fun.

I recently added a card to Google Wallet that way. I just held the phone over the card until the card outline on the viewfinder fairly matched up, and Wallet automatically scanned and imported the account number.

I had to enter the expiration and CVV by hand, though. Darn computers

 

[jimthing]

I get what you are trying to say but your math is extremely flawed.

Apple users will not spend $2.8 trillion dollars all through Apple Pay. That's the 20% of the $14t you talked about.

You're not going to be buying a house, car, boat and many, many other things all through Apple Pay.

That's exactly why I said ONLY 20% of spending – of course the normal expensive things will be done other ways.

I think I read a figure that current spending via cards (debit and credit) in the normal (i.e. non-black) economy accounts for 65% of all spending habits as people don't like carrying medium-large amounts of cash around with them for security reasons (e.g. robbery, loss, etc.). Hence Apple certainly has the potential to obtain a double-digit percentile of that figure, given their market prominence.