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How to Set Up Apple Pay and Add Credit Cards

ArmCortexA8 said:
Passport shows the usual screen as it did in in iOS 8.0.2 no difference, just the usual passport application. There is also no + button at the top right corner. I am in Australia, however its the same update worldwide. So I have to change the country to USA?
Click to expand...

Yes, select USA in Settings/general/language and region

Then you'll see it and still not be able to do anything.

Now you realize that Apple Pay has only been released in USA hopefully and understand why it's not working :)

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CyBeRino said:
No, you can't. Pay is only supported on a 5S with an Watch, and then only in stores and not in-app. You need a device with a secure element, which the 5S does not have.
Click to expand...

Oh, I see, I was guessing a bit on that - thanks. Good to know.

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CyBeRino said:
No, you can't. Pay is only supported on a 5S with an Watch, and then only in stores and not in-app. You need a device with a secure element, which the 5S does not have.
Click to expand...

zmonteca said:
I knew about the NFC for POS transaction, but I thought it would be available for online transactions, but am not seeing anyway to add an CC's in the 5s.
Click to expand...

Just found out from another dude that you need a "secure element" such as is found in an Apple Watch with a 5S - so you are SOL. I don't know all the facts yet, but I am just posting what I figured out by reading a bit.
 
benji888 said:
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.
Click to expand...

No, the token is generated when you add your card to passbook. The bank must get involved to confirm the account number is valid.

Once that is completed, every transaction is (almost) just another credit card transaction. The bank maps the token to the actual account during authorization, and when the transaction actually posts.

The EMV tokenization standard was published back in 3/2014. It's not hard to find, and it describes the entire process.
 
Ed217 said:
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?
Click to expand...

I would expect this since Apple Pay requires TouchID. It's good security that Apple removes the cc once TouchID is disabled.
 
mynus said:
No Apple pay on my phone either after the update. Don't know what is going on, can't find any Apple pay or Passbook related fields even in settings. Hope some light gets shed on this soon.
Click to expand...

I finally figured it out. I lived in Canada for 2, 3 and 4 iPhone. Moved back to Australia for 5 and now live in the USA for 6.

If you go to Settings > General > Language & Region > "Change to US" (mine was set to Canada oddly but everywhere else it was US, thus why it wasn't showing up in Passbook or Settings). Shows up now and was able to load my cards into it.
 
tabscott said:
I can't even find the Passbook & Apple Pay Settings ? Where is it ? Do I need to turn it on somewhere?

I'm in Canada - but I have US Credit Cards that work? I wanted to set it up when for when I'm in the states next week.
Click to expand...

I read somewhere that if you set region to United states passbook is enabled and you can set up your us based cards.
 
doboy said:
I would expect this since Apple Pay requires TouchID. It's good security that Apple removes the cc once TouchID is disabled.
Click to expand...

It appears Apple Pay can use either Touch ID or passcode. If you turn off Touch ID for Apple Pay, Passbook still has the data and shows at the bottom:

"Pay with Passcode"

Safari also had cc data, and it sticks around regardless of Touch ID settings.
 
Just got this email from Panera:

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If apple pay is anything like google wallet it will be a pleasure to use! :D
 
TTile said:
No it doesn't. The 5s doesn't include the "secure element" which is a piece of hardware that stores the credit card information on the phone. If you pair it with the Apple Watch you could make Apple Pay-based purchases because the watch will come with the secure element hardware as well.
Click to expand...

Yes, it is. The "secure element" requirement is a random decision. They could have stored the token (which, by the way, does not require tight security like the credit card number) encrypted anywhere on the device. Also, they could have used the "secure enclave" of the 5s.
 
123 said:
Yes, it is. The "secure element" requirement is a random decision. They could have stored the token (which, by the way, does not require tight security like the credit card number) encrypted anywhere on the device.
Click to expand...
While the Device Account Number is not particularly sensitive, the keys that are used to generate the one-time security codes and encrypt the NFC cryptograms absolutely are.
Also, they could have used the "secure enclave" of the 5s.
Click to expand...
No they could not. The Secure Element is a specialized certified chip that meets the requirements of payment industry standards. It actually does a lot more than just store credentials. It is also a secure execution environment for Java Card-based payment applets and performs various cryptographic functions.
 
peterdevries said:
WTF is a lead captain? Or was it a steak house on a ship?
Click to expand...

In some fine dining places, you have captains that lead the other servers. The captain is the person that controls the area making sure that everything is running well. Also, the captain is the front facing person to the guests. Meaning they do all the talking and interactions with the guests while the other servers to the backend work.

So when I used to do this, I would talk to the host to make sure I understood exactly what they wanted. I would also make sure that all the guest had every single thing they wanted before they wanted it. I would also be the person presenting the check at the end of the night. Sometimes they would get up to $20,000 or more. So yeah, you need someone who is an expert taking care of all this.

There is a ton of things you don't notice that gets taken care of when you go to higher end places. It was my job to make sure it was taken care of properly.
 
cfountain72 said:
Couple of unexpected's...

First, upon trying to connect my current BofA iTunes debit card to :apple:Pay, I was redirected to call BofA for verification purposes. I appreciate the extra security (and the friendly voice on the line), but it certainly was not as easy as just taking a picture of your card.

Next, I walked over to Walgreens, picked up some Combo's, and tried to pay with my iPhone 6. The iPhone screen acted as expected, but after tapping the TouchID, the POS screen directed me to enter my debit card PIN. I'm not sure if the issue was iOS, Walgreens, B of A, Visa, user error, or something else, but essentially the iPhone saved me a card swipe. Anyone have a similar experience using a debit card with :apple:Pay? Or just an bleeding edge hiccup?

Peace be with you.
Click to expand...



I think; If it's a debit card it can be run as an ATM (debit) or as a credit transaction, and this usually has to chosen at the POS terminal, If the terminal was expecting a "debit" transaction, then it would likely ask for a pin.
 
SirLance99 said:
In some fine dining places, you have captains that lead the other servers. The captain is the person that controls the area making sure that everything is running well. Also, the captain is the front facing person to the guests. Meaning they do all the talking and interactions with the guests while the other servers to the backend work.

So when I used to do this, I would talk to the host to make sure I understood exactly what they wanted. I would also make sure that all the guest had every single thing they wanted before they wanted it. I would also be the person presenting the check at the end of the night. Sometimes they would get up to $20,000 or more. So yeah, you need someone who is an expert taking care of all this.

There is a ton of things you don't notice that gets taken care of when you go to higher end places. It was my job to make sure it was taken care of properly.
Click to expand...

Thanks for the explanation. My comment was a bit sarcastic although I was honestly interested. So again thanks, and that actually sounds like quite a cool job.
 
Been using Google wallet or Isis (whatever it is called now) on android phones.

Extremely easy to use, when it is available it is nice to do. Apple pay is the same process, very easy to use.

Only thing holding it back of course is the stores having the terminals to do it. Till more stores convert to the new technology this will be a novelty.

Hopefully with Apple now involved more and more stores will see the light and move towards it. It will also help Google wallet and Isis as well.
 
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