In Canada where we have NFC at about 70% of the places I go, it's just lovely! It's usually been approved before I even realize what's happened and I love that I don't have to pull out my wallet and fumble around for my cards. In the states though I've barely found anywhere to use it. Can't wait until way more places accept it because it's truly awesome!!
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Is Apple Pay worth it?
- Thread starter Dan70
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Shanghaichica
macrumors G5
Maybe in conjunction with the Apple watch? As you can make mobile payments with the watch which is compatible with the 5S. Not sure though.
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I'm looking forward to Apple pay when it comes to the UK. As it is now I hate carrying cash on me and use my card as much as possible. I imagine Apple pay will just be an extension of that.
ron7624
macrumors 68020
I'm enjoying apple pay here in the US, and use it as much as I can but there aren't many places that take it yet.
I'm having trouble visualizing using the feature with a watch though. Some of the terminals are back on the counter, and one would need both hands to use it, right? Hold the watch within 2 inches, then push the button? It seems awkward. Thoughts?
I'm having trouble visualizing using the feature with a watch though. Some of the terminals are back on the counter, and one would need both hands to use it, right? Hold the watch within 2 inches, then push the button? It seems awkward. Thoughts?
mattopotamus
macrumors Pentium
It will probably not work just like you cannot make online purchases with apple pay on the 5s even though it has touch ID
Not online purchases, but you'll be able to make in-store Apple Pay purchases with the iPhone 5, 5s and 5c via the Apple Watch.
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mattopotamus
macrumors Pentium
That's good. Is there any reason the 5s cannot do online purchases. That has zero to do with lack of hardware.
Actually I read that the 5s lacks the secure elements found in the 6/6+ that Apple Pay requires. The Apple Watch will have them to make up for the lack of secure elements in the 5/5s/5c, which is why they'll be capable of in-store purchases but not online purchases (you can't do the latter with the Watch).
mattopotamus
macrumors Pentium
Thanks for the info! The online apple pay is actually a really good feature.
Spink10
Suspended
The only security issue I have with tokenization is that the tokens remain "open" after use. When you make a purchase, the store receives a one time token, However, that token remains in their system so they can process returns, refunds, etc to your CC. When you go to a restaurant or bar and run an open tab and they require CC ahead of time, the token remains valid until final payment is authorized. So although tokenization is much more secure, hackers could find a way to access the tokens and possibly access your CC. The problem with tokenization, there is no guarantee how secure that store's system really is, because there is no universal security measures. That is left up to each merchant, and thus the merchant again becomes the weakest link.
Lloydbm41
Suspended
NFC has never required tapping or touch to send data. But because the distance from chip to chip is less than ~7mm to transmit and receive, a lot of people just tap.
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Has this been announced somewhere? I know the Apple Watch is capable of using Apple Pay, but i havent seen anything in writing that says it will work with tge 5S or 5C? And if only those iDevices with Touch ID will work with the Apple Watch/Apple Pay, then the iPhone 5 wont work.
Lloydbm41
Suspended
lordofthereef
macrumors G5
Asked this somewhere already and never got a response. Am I missing something or is Apple Pay not an option in the AppStore? I almost can't believe that would be the case, but I don't see it as an option.
I know what you mean, but currently you buy stuff on the App Store using the card linked in iTunes and you can use TouchID for App Store by enabling it in Settings > Touch ID & Passcode > enable Use TouchID for iTunes & App Store. Until that changes, your card on file in iTunes is out in the open regardless if you pay through Apple Pay.
MozMan68
macrumors 603
You would have to reach further than swiping a card? I don't think so.
And most terminals are not at "the back" of the counter...usually on the front edge now for easy access.
ron7624
macrumors 68020
The troubling having with visualizing its use is that it is 2 handed. Maybe I'm wrong in thinking that using your arm and opposing hand at the same time will be awkard. The closer I get to release, the more I think I may get one though regardless of how apple pay works with the watch. I am thoroughly enjoying using apple pay with my ip6.
ron7624
macrumors 68020
I seem to remember in in one of the adverts that one also had to push a button on the watch at the same time. That is what I perceive to be the awkard moment. Usually at a pay terminal, I have something or another in my hands. But this is just me. Time will tell (no pun intended) if my reservations are founded.
Question about Apple Pay. Is it different than Google Wallet in functionality? I see mentions of how places don't support apple pay. Do you mean they just don't have the machines for NFC, or do you mean the store has to actually have some sort of official support for apple pay?
Google Wallet does support tokenization but it's cloud-based rather than stored in the secure elements within the iPhone so it's more vulnerable.
No official support is needed. They need to have NFC-capable terminals that can support tokenization. We have many retailers that support Apple Pay unofficially.
lordofthereef
macrumors G5
I thought I was just stupid lol. In rather amazed that Apple wasn't the first to support their new pay system on the appstore.
By the way, I do have Touch ID enabled for purchases. Sometimes it still asks me for a password sometimes it doesn't. I don't buy enough on the store (maybe one or two apps a month) to have really cared enough to look into it.
I believe entering the password is still required the first time you buy an app after a restart. After that you can use TouchID. If you buy apps so rarely and do so after you've installed the latest OS update that'd be why.