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Apple Pay without lockscreen asking for passcode

R

rosschang

macrumors member
Original poster
Aug 23, 2010
45
8
Been wanting to setup Apple Pay but had been too lazy or too busy to do so.

Recently had time, took out a bunch of card and wanting to add to apple pay, only to notice that it requires a passcode setup.

Would like to ask, is there a way to use apple pay (with passcode setup), without the phone asking me for passcode each time I unlock it?

[Edit]: using IphoneX.
 
You could set up FaceID as well. You unlock your phone with your face instead of a passcode, and also authorise Apple Pay the same way.

You will be asked to confirm your passcode approx once a week though, and on some other occasions (reboot, update, anywhere I forgot).
 
Re @AstonSmith comment about occasional prompting for passcode:

A passcode is also required if your device is in the following states:

•The device has just been turned on or restarted.
• The device hasn’t been unlocked for more than 48 hours.
• The passcode hasn’t been used to unlock the device in the last
156 hours (six and a half days) and a biometric hasn’t unlocked the
device in the last 4 hours.
• The device has received a remote lock command.
•After five unsuccessful biometric match attempts.
•After initiating power off/Emergency SOS.
Click to expand...

https://www.apple.com/business/site/docs/iOS_Security_Guide.pdf

So, yeah, basically once a week (I see it Sunday mornings when I wake up).
 
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haruhiko said:
Nope. You must enable passcode.
Security.
Click to expand...
Yup, accept that Passcode and/or FaceId is needed to use ApplePay. Problem is, the phone ask for passcode and/or faceId everything I unlock it. That is a big annoyance.

Just wanted to know, if there is a way, after setting up Passcode and/or faceId, that I won't need to use Passcode and/or FaceId everything I unlock the phone.
 
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rosschang said:
Yup, accept that Passcode and/or FaceId is needed to use ApplePay. Problem is, the phone ask for passcode and/or faceId everything I unlock it. That is a big annoyance.

Just wanted to know, if there is a way, after setting up Passcode and/or faceId, that I won't need to use Passcode and/or FaceId everything I unlock the phone.
Click to expand...
Not possible. You can turn off Face ID to unlock but you’ll have to enter your passcode every time.
 
I would suggest trying to get used to it. Why not have security on your phone? You may not have anything on that you consider private but why give a thief a free ride if they steal it from you? Most of the time I find faceID so seamless that its not obvious I have security enabled anyway
 
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rosschang said:
Yup, accept that Passcode and/or FaceId is needed to use ApplePay. Problem is, the phone ask for passcode and/or faceId everything I unlock it. That is a big annoyance.

Just wanted to know, if there is a way, after setting up Passcode and/or faceId, that I won't need to use Passcode and/or FaceId everything I unlock the phone.
Click to expand...

Unfortunately no. Using Apple Pay requires you to set up Face ID and passcode. Once Face ID and passcode are set up, you need to use either Face ID or passcode to unlock the phone every time. There is no way to disable that. Once you get used to it, it is actually not that inconvenient. You will get used to it pretty quickly.
 
You can go into settings on the iPhone's Apple Watch app and under 'passcode' enable 'unlock with iPhone'. When you unlocked your phone with Face ID your watch gets unlocked. I almost never type my passcode into my watch and I use Apple Pay on it almost every day.

Face ID on the phone couldn't be more convenient IMO.
 
MisterSavage said:
You can go into settings on the iPhone's Apple Watch app and under 'passcode' enable 'unlock with iPhone'. When you unlocked your phone with Face ID your watch gets unlocked. I almost never type my passcode into my watch and I use Apple Pay on it almost every day.

Face ID on the phone couldn't be more convenient IMO.
Click to expand...
Couldn't agree more about Face ID. Much more seamless than the Fingerprint method!
 
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Why don’t you just use FaceID?

(Apple doesn’t send your facial data to the cloud or NSA or FBI)
 
Shirasaki said:
They will. And you will not know.
Click to expand...
No, they don’t.

It’s the same with Touch ID. The data is only in the secure enclave and it’s also
*not* in the backups, iTunes or iCloud.

Jailbreaking community and other iOS hackers would have discovered it all by now if the data was sent somewhere and the resulting publicity would be really destructive for Apple.

Also, nobody has been able to gain access to secure enclave. The “memory” of it is physically inaccessible for the main CPU.

So no, your data isn’t sent anywhere: the fingerprint / face data stays in the device.

(Never understood where these insane conspiracy theories come from)
 
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nikusak said:
Why don’t you just use FaceID?

(Apple doesn’t send your facial data to the cloud or NSA or FBI)
Click to expand...

does not fit my use case. 1/2 the time I unlock my phone while it is laying flat on the table charging.
 
rosschang said:
does not fit my use case. 1/2 the time I unlock my phone while it is laying flat on the table charging.
Click to expand...
You can still use it.

Tap, swipe up, wait a bit, enter passcode. In other situations, use your face.

Or get wireless charger which lets you prop up your phone. Then all you need is to look at your phone to unlock.

Seriously, Face ID is great. No reason not to use it.
 
nikusak said:
No, they don’t.

It’s the same with Touch ID. The data is only in the secure enclave and it’s also
*not* in the backups, iTunes or iCloud.

Jailbreaking community and other iOS hackers would have discovered it all by now if the data was sent somewhere and the resulting publicity would be really destructive for Apple.

Also, nobody has been able to gain access to secure enclave. The “memory” of it is physically inaccessible for the main CPU.

So no, your data isn’t sent anywhere: the fingerprint / face data stays in the device.

(Never understood where these insane conspiracy theories come from)
Click to expand...
Ok.
This is more of a “doomsday” mindset than a conspiracy theory. But whatever.
Touch ID is still good. And asking for device passcode may still be normal. Asking for Apple ID password? Maybe remove and add the card again? Sometimes Apple cannot confirm that is the right card on file and request Apple ID credentials, I guess.
 
nikusak said:
You can still use it.

Tap, swipe up, wait a bit, enter passcode. In other situations, use your face.

Or get wireless charger which lets you prop up your phone. Then all you need is to look at your phone to unlock.

Seriously, Face ID is great. No reason not to use it.
Click to expand...

As I'd wrote earlier, I don't even want to key in passcode when I unlock my phone. Face ID? yea tried it, it's fun. seconds after than, disabled everything.

Point being, if using ApplePay mandates setting a passcode/faceId, and subsequent after setting passcode/faceId, I'll have to use it EVERY TIME when I unlock my phone? no, not using it. :)
 
rosschang said:
As I'd wrote earlier, I don't even want to key in passcode when I unlock my phone. Face ID? yea tried it, it's fun. seconds after than, disabled everything.

Point being, if using ApplePay mandates setting a passcode/faceId, and subsequent after setting passcode/faceId, I'll have to use it EVERY TIME when I unlock my phone? no, not using it. :)
Click to expand...
This is correct. If you had Apple Pay with no pass code, someone could steal your phone and authorize as many transactions as they wanted with no security.
 
The only way I know of to use Apple Pay without entering a password or using TouchID/FaceID is to use an Apple Watch. As long as the watch remains physically on you, it remembers the passcode you used to unlock it and will authorize Apple Pay transactions.
 
jzuena said:
The only way I know of to use Apple Pay without entering a password or using TouchID/FaceID is to use an Apple Watch. As long as the watch remains physically on you, it remembers the passcode you used to unlock it and will authorize Apple Pay transactions.
Click to expand...
Dun wanna apple watch. prefer my mechanical rolex...
 
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There is a way for you to unlock your iPhone without having to use a passcode or Face ID every time you want to unlock it. You will still need to enter your passcode or use face ID every time you want to use Apple Pay, this is for security reasons. This is how I got it to work for me.

Under "use face ID for", turn off "iPhone unlock". Keep in mind that if you turn this off, you cannot use face ID to unlock your phone, but Face ID will still work for Apple Pay and other things you have enabled under "use face ID for". Then, scroll down and tap on "require passcode". It won't appear if "iPhone unlock" under "use face ID for" is turned on. On that screen, you can choose between immediately, after one, five or 15 minutes, or after an hour or after four hours. Setting a shorter time for requiring your passcode is more secure than setting a longer time. This only works for unlocking your iPhone. You also have the option of not setting up Face ID and just using a passcode.

Hope this helps.
 
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