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How to Set Up Apple Pay and Add Credit Cards

r-m said:
Hey, just curious- why?
Doesn't swiping take just as long (if not longer) to unlock, than pressing the button and it unlocking?
One thing that got me convinced on Touch ID unlock, was the speed of it unlocking.
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The reason why is this: when you get a text when you DON'T have a passcode/Touch ID, you just swipe it open and you're directly there.

When you get a text when you DO have a passcode/Touch ID, you swipe, then have to scan your thumb. It's not as seamless as just just swiping a text open.

I have zero concerns about anyone getting into my phone, but I just want to use Apple Pay. I feel like Apple has set it up this way just to cover their ass for when irresponsible people lose their phones.

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Wingsy said:
When faced with the question of what I'd hate more... having to press a button to unlock my phone, or allowing the thief who stole it to have at it with my stolen phone, I'd choose the button every single time.

Really, the fingerprint reader takes all of 1/2 second to scan your print, so what's the big deal?
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See my above comment.
 
tattooedyuppie said:
ie: I just want to swipe to open my phone- I don't want to lock it. But I want to use Touch ID for online shopping and brick and mortar shopping. Hope that's a bit clearer.
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You understand that using touch id is QUICKER than swiping? Once I figured it out, I'm glad to be done with swiping.

Press the home button to bring up the lock screen, then leave your finger on the button (but not pressing it just touching it) for another 1/4 second, and your phone is unlocked through touch id.

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tattooedyuppie said:
When you get a text when you DO have a passcode/Touch ID, you swipe, then have to scan your thumb. It's not as seamless as just just swiping a text open.
Click to expand...

You're right - for this particular use case, touch id slows you down a little.
 
tattooedyuppie said:
The reason why is this: when you get a text when you DON'T have a passcode/Touch ID, you just swipe it open and you're directly there.

When you get a text when you DO have a passcode/Touch ID, you swipe, then have to scan your thumb. It's not as seamless as just just swiping a text open.

I have zero concerns about anyone getting into my phone, but I just want to use Apple Pay. I feel like Apple has set it up this way just to cover their ass for when irresponsible people lose their phones.

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See my above comment.
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Ah I see how that'd save time, especially with lots of texts. What's why it would be handy if apple still allowed settings other than "immediately" for requiring passcode/Touch ID.
For me swiping the message then using Touch ID was still acceptable, because of how I hold my iPhone when reading/replying to a text.

The other option for me is swiping the other way, and it brings up the quick reply notification.
 
Does it also accept DEBIT cards, or is this limited strictly to credit cards?

IMHO, debit cards are technically "safer" because you along with your bank can set withdrawal/spending limits, and there are also overdraft protections for most accounts.

In an ideal world…. I would actually prefer that Apple Pay preferentially withdraws money out of my PayPal account. For example, if my PayPal account has only $35 Balance, that means I can't purchase any more than $35.

Tho Apple and PayPal are not playing nice with each other at this time.
 
Was pretty excited about this. Tried scanning all three of my cards and every single one said it wasn't supported by the issuer.

Well, so much for that. :rolleyes:
 
Macy's AMEX, Amazon Chase Visa

Managed to get it set up - and added Capital One MasterCard.

Kinda of ironic that Macy's has Apple Pay - but the Macy's AMEX isn't supported - guess it needs to be issued by American Express.

Odd that Chase doesn't have so many of it's cards working - my Amazon VISA isn't supported.

I bank with PNC - and it is supposed to be supported by the end of the month!

Discover ? - what's happening?
 
this may seem like a silly question, but for those of you with chase debit cards working, how did you get a request for verification? When you put your card in your passbook? In a separate communication from Chase? Did you have to call/contact chase on your own? I'm wondering because it appears to have uploaded just fine, yet when I went to use it at Meijers, I could get the card to pull up but could not get it to pay. What are your thoughts? Did I miss some verification step somewhere in my set-up or did I just not set it up correctly?
 
Tzerlag said:
I noticed on the recent transactions (listed on the info page for my AmEx card in passbook) a charge for $99 from Shell (gas station).

I thought that was an odd amount so I looked it up on my AmEx online statement; it was only a $62.xx tank of gas.

Hmmmmm. I'll be paying close attention for a while.

Edit: for clarity, the gas purchase was not via apple pay. The recent transaction info just showed up when I added the card to passbook.
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The $99 is the pre-approved amount before you pump the gas. I believe it drops off after 24 hours. I was involved in a night club a few years ago and the panic phone calls we got on Monday morning from people who used their cards on Saturday night was unbelievable. They would see the approval amount check that against their bill and think they were overcharged.

Our stock answer was check it again in 24 hours and call back if it has not normalised.
 
I've not been able to get an answer to this. Does Apple pay only work with credit cards that have joined with apple pay or can I use any credit card? Simple question that has so far gone unanswered.
 
donnaw said:
Sorry, I haven't read all the posts but I have a question. Ok, so now I have taken a picture of all my credit cards and entered them. If I delete the picture immediately does it NOT store in the cloud with my other pictures? How long do I have to delete the pics to ensure that they aren't in my cloud account?
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It doesn't actually take a photo of the card. It just captures the number. No photo is saved.

If you don't want to use the number-capture by camera option, you can enter the digits manually.
 
urbanslaughter said:
I've not been able to get an answer to this. Does Apple pay only work with credit cards that have joined with apple pay or can I use any credit card? Simple question that has so far gone unanswered.
Click to expand...

You clearly didn't read a page of this thread.
 
urbanslaughter said:
I've not been able to get an answer to this. Does Apple pay only work with credit cards that have joined with apple pay or can I use any credit card? Simple question that has so far gone unanswered.
Click to expand...

The bank that issues the card has to be onboard with Apple pay.

As noted by the many posts of people saying their whatever-card won't work but their other-card does work.
 
eagleglen said:
How long does it take for Wells Fargo to verify? I used the WF Verify app. Does calling work faster?
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Mine verified as soon as I entered it.

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Peace said:
Kinda off topic but I didn't know Wells Fargo had an American Express card.

I have Wells Fargo and I have American Express but I don't have Wells Fargo American Express.

weird.
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Same here. I didn't know until they sent me the email today about Apple Pay and it showed an Amex Wells Fargo card on the screen. They're always trying to offer me Visa credit cards.
 
Do I have to use a passcode or TouchID just for regularly unlocking my phone to use Apple Pay? That's terrible.
 
r-m said:
Ah I see how that'd save time, especially with lots of texts. What's why it would be handy if apple still allowed settings other than "immediately" for requiring passcode/Touch ID.
For me swiping the message then using Touch ID was still acceptable, because of how I hold my iPhone when reading/replying to a text.

The other option for me is swiping the other way, and it brings up the quick reply notification.
Click to expand...

Just saw you can set it to max of every 4 hours! Thanks for the shout!
 
mcdj said:
Has anyone paid for a cab in NYC with Apple Pay?
Click to expand...

Well if anyone is curious, I just paid for a cab trip via Apple Pay linked to my BofA debit card, and it could not have been easier.

Choose "credit card" (vs cash), enter the tip amount, then just hold the phone next to the payment console. No need to open an app, press the home button or even wake the phone. It automatically puts your CCs on the screen, you tap on the one you want to use, then scan your fingerprint. Done.

If you've ever used a card to swipe for payment in a cab, you know how hit or miss it can be. Apple Pay was virtually instant on the first try.

I'm sold.
 
Last edited:
ptb42 said:
The EMV tokenization must be done when you add your card to your Passbook. At that time, the issuing bank authorizes the creation of the token, and retains the token on both your phone and at the bank.

After that, the token is used each time you make a payment. The token must go to the issuing bank for authorization, and the bank has to know how to translate the token (also called the DAN) into your actual account number (also called the PAN). The bank also has to know how to decrypt the one-time cryptogram included with the authorization request to confirm that the transaction is valid.

For all practical purposes, the payment processing network just passes the transaction information to the issuing bank. It's not aware that it's a token: it looks just like a regular credit card transaction. The bonus: no one but your phone, the issuing bank, and the token provider knows the actual account number.
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The way I read it a while ago, VISA was the one talking about how they use this token system. So, I thought that only had to do with the transaction at the store, VISA (or other) takes it from there and asks the bank for the amount, giving the bank the account number. I didn't think the bank was involved with this.

In any case, it will take some time to get most of the smaller institutions up to speed.

So much for using Apple Pay this week. :p
 
Tzerlag said:
I noticed on the recent transactions (listed on the info page for my AmEx card in passbook) a charge for $99 from Shell (gas station).

I thought that was an odd amount so I looked it up on my AmEx online statement; it was only a $62.xx tank of gas.

Hmmmmm. I'll be paying close attention for a while.

Edit: for clarity, the gas purchase was not via apple pay. The recent transaction info just showed up when I added the card to passbook.
Click to expand...

On my Amex card I will see a PENDING charge for much more than the actual purchase. That is particularly true when buying gas. It appears they put through a "hold" of more to make sure the gas purchase is covered, but then process the actual amount and the pending charge falls off. I've seen this happen at hotels too. When I bought my iPhone 6, VZN put through pending charge for $1. I think they just want to make sure the card is good. Unfortunately the actual purchase of the phone was just a little bit more than $1. :p

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mcdj said:
Well if anyone is curious, I just paid for a cab trip via Apple Pay linked to my BofA debit card, and it could not have been easier.

Choose "credit card" (vs cash), enter the tip amount, then just hold the phone next to the payment console. No need to open an app, press the home button or even wake the phone. It automatically puts your CCs on the screen, you tap on the one you want to use, then scan your fingerprint. Done.

If you've ever used a card to swipe for payment in a cab, you know how hit or miss it can be. Apple Pay was virtually instant on the first try.

I'm sold.
Click to expand...
I was wondering about how one would add a tip. I have not tried Apple Pay yet though my card is ready to go. Will ADD A TIP be available for every transaction, or just at a POS that would normally get a tip, i.e. a cab or sit down restaurant?
 
If you set up Apple Pay with some cards, then later disable touch ID for a bit, it appears to erase all the card data you set up. When you turn Touch ID back on, you have to re-enter your cards.

Anyone else see this?
 
ben123456 said:
So if I go to a store with a credit card terminal that supports nfc. Will it work with apple pay or do only certain stores accept it?
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Any store that has NFC will accept Apple Pay. The issue is whether you can put your card in Passbook to use with Apple Pay...it's not a matter of what businesses support Apple Pay, but, the banks.

When this or any other site shows a list of what stores support Apple Pay, this isn't completely correct. Some stores simply have NFC payment ability in the physical store, so it works. Some are just allowing Apple Pay for online payments, in this case, yes, they have to support it...and it doesn't use NFC, so, can be done via iPads that have Touch ID & Apple Pay ability.

Hopefully someone will explain this better in near future to eliminate confusion.
 
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