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How to Set Up Apple Pay and Add Credit Cards

bbeagle said:
Of course Google wallet works fine with any card - it doesn't use bank-verified tokens, it uses your ACTUAL credit card numbers. This makes Apple Pay much more secure than Google Wallet.
Click to expand...

This is incorrect. Google uses Host Card Emulation. Your card number is never actually exposed.

http://www.paymentssource.com/news/...ure-option-for-mobile-payments-3018947-1.html

I had been using NFC payments for a couple years with Android but switched to an iPhone this summer to get the Continuity features. Apple's insistence on using the secure element method makes this solution, as Apple always does, unnecessarily proprietary and means they have to get company's sign up to support it. How'd that work out for ISIS (Softcard now)? I know everybody always bends over backwards to be friends with Apple but it definitely hurts those of us who do not use National banks but only use local credit unions.
 
darkslide29 said:
A $100 pending charge is a fairly common amount as a "pending charge" to ensure you have enough credit to cover even the largest of gas tanks.

However, you called it a recent transaction, so if this was a posted amount, then who knows what's going on..
Click to expand...

lemieuxfan67 said:
Wondering if the phone was showing the per-authorized amount instead of the actual charge?
Click to expand...

I wonder. But the charge was made on October 3, so it's not too recent.
BTW, I edited my post for clarity.

It probably is just reflecting the placeholder charge. It's oll korrect on my online statement so I'm not worried.
 
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...

So the secure element is a chip? I don't really care I own a 6 plus just sucks for those with a 5s.

They will push more watches this way though..if apple pay is a success.
 
elvisimprsntr said:
Received this message from AMEX after adding my card to ApplePay. Seems the last 5 digits of the Device Account Number may be required at some merchants.
Click to expand...

Oh great. I was hoping not to have to touch any germ infested stylus or pin pad. :(
 
tattooedyuppie said:
Correct me if I'm wrong but it seems like you can't use Apple Pay if you have Touch ID to unlock the phone turned off & passcode turned off as well. I hate using it to unlock my phone but I'd love to use Apple Pay and/or for iTunes. Please help!
Click to expand...

You'll need to have TouchID enabled.
 
Anyone know if there is a way to change the card logo or color?

I have two BoA debit cards, linked to separate accounts, and they both look identical in the wallet.
 
If you are using a debit card, does it always process the transaction as a debit? When i am paying with my card, they usually ask me if i want to run it as a debit or a credit. Credit transactions take longer to post to your account (and cost more for some things such as gas purchases..... where often you pay .10 more per gallon). Curious to know if they give an option, or if it defaults to one or the other.
 
iapplelove said:
So the secure element is a chip? I don't really care I own a 6 plus just sucks for those with a 5s.

They will push more watches this way though..if apple pay is a success.
Click to expand...

I'm not exactly sure what it is exactly. All I know is that it's a piece of hardware which stores the credit card device numbers securely (similar to how a piece of hardware stores your fingerprint information securely for TouchID).
 
Just got Apple Pay set up. Two out of my three cards work. Citi MC and BofA Visa debit work, Charles Schwab Visa debit is not supported.

Need to get something from Whole Foods anyway so will head over for a trial run.
 
bartonjd said:
So my chase debit card worked after a couple of tries and my Amazon credit card (also through chase) failed and gave me the "this card is still unspported by your bank" error. Has anyone else with the Amazon card had any success?
Click to expand...


Yep, I called Chase and they said it will be implemented toward the end of the month. Hope that helps!
 
johnediii said:
This is incorrect. Google uses Host Card Emulation. Your card number is never actually exposed.

http://www.paymentssource.com/news/...ure-option-for-mobile-payments-3018947-1.html

I had been using NFC payments for a couple years with Android but switched to an iPhone this summer to get the Continuity features. Apple's insistence on using the secure element method makes this solution, as Apple always does, unnecessarily proprietary and means they have to get company's sign up to support it. How'd that work out for ISIS (Softcard now)? I know everybody always bends over backwards to be friends with Apple but it definitely hurts those of us who do not use National banks but only use local credit unions.
Click to expand...

Google does hold your actual credit card information on their servers and maintains data on all your transactions. They generate a token for each transaction and provide it to the merchant. If a hacker gains access to these servers they will have your credit card information including the actual 16 digit numbers on your plastic cards as well as your purchase history. If a hacker gains access to your iPhone they will only be able to read the last four digits of your credit card number and your device account number (generated per each credit card). If they managed to spoof your fingerprint (which is a remote possibility) they can use your phone to make purchases. Either way you can cancel your Apple Pay and still use your plastic credit cards worry free, unlike the situation with Google.

That being said I'm sure Google has robust security so I don't see it ever being an issue. Just trying to highlight the differences between the systems.
 
Is Apple Pay the new iTunes Radio? Because we still don't have that in Canada either. Guess I'll just keep tapping to pay with my actual card everywhere for now... so glad this new iPhone has NFC.
 
Derekeys said:
Yep, I called Chase and they said it will be implemented toward the end of the month. Hope that helps!
Click to expand...

Thanks for saving me the call! My Chase debit, BoA, and Amex were all added within seconds.

edit: List of Chase cards supported here.

FqvmAEH.jpg
 
va1984 said:
Yes of course.
iPhone 6, iOS 8.1, US iTunes account, US credit cards, restarted, force-quit Passbook, cursed the heavens, and Apple Pay still nowhere to be seen.
Click to expand...

Are you sure you are looking in the right place? If you are in the U.S. and have updated to 8.1 then it is in the settings. You can't be the only one with a "bug" that doesn't have an Apple Pay settings on an updated U.S. iPhone 6(+).

Here is a little video walk-through I just made to show you where it is... after you have your card scanned, then you're done. You just go to a retailer that accepts Apple Pay with an NFC scanner and touch your iPhone to it while holding the TouchID button on your iPhone 6, that's it! No need to open Passbook or anything.

https://www.youtube.com/watch?v=eCGjO9upwmA&feature=youtu.be

Unless I'm not understanding your issue, then I apologize and further clarification will be needed from you...
 
PigsOnTheWing said:
Has anyone figured out how to remove an incorrect billing/shipping address? I can add new addresses, but I don't see any way to remove old ones.
Click to expand...
It looks like it pulls it from your contact info. If you change it there does it change it in ApplePay?
 
iapplelove said:
So the secure element is a chip? I don't really care I own a 6 plus just sucks for those with a 5s.

They will push more watches this way though..if apple pay is a success.
Click to expand...

I am totally baffled by this. It would seem that the 5s has all the security necessary, as it has TouchID built-in. Seems like a huge misstep to me. One would think they could make way more money providing more users access to Apple Pay than selling additional hardware.

As an owner of a 5s, I can't imagine myself ever buying an Apple Watch, thus never really being able to take advantage of Apple Pay until my contact expires in another year.
 
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