You have to hold the side button to use face id. I know what's the point to have a button when it could be hands free
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New Apple Pay Tutorial Video Highlights Peer-to-Peer Payments [Update: Video Removed]
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You have to hold the side button to use face id. I know what's the point to have a button when it could be hands free
Really anticipating this. It will be a big convenience. Kind of like venmo but more trusted, hopefully more ubiquitous, and I’ll be able to use the balance wherever Apple Pay is accepted, a huge advantage over having it sit in my Venmo account or having to transfer it back to my bank. Also hopefully it will help spur on Apple Pay adoption.
Only disadvantage is of course being Apple it’s not cross platform. I guess I’ll have to stop hanging out with non-iPhone users.
Only disadvantage is of course being Apple it’s not cross platform. I guess I’ll have to stop hanging out with non-iPhone users.
Not available anywhere other than the US, which is irritating because I can't think of any other P2P payment systems that work outside the US.
Apple engineers have been working on this for a while, probably years. You just thought of this ten minutes ago. Who has put the most thought into it, them or you? I'm certain that payment windows don't just pop up for automatic faceID. When money is changing hands, there has to be interaction with the user.
Fair. And I hope you’re right. But just because I thought of something doesn’t automatically imply Apple has also thought of the same thing. Likely, perhaps; but not guaranteed. I just want to ensure my financial data is secure. I can’t make any assumptions about what Apple has thought if and whether or not they’ve set safeguards to prevent that. If they have, they would explicitly tell us about it. E.g. squeezing buttons on the side of the phone to disable Face ID, and Face ID working with most sunglasses. Apple was open with us about how those things work. I just hope they’re open and honest about how Face ID works with Apple Pay.
I don’t know what websites you’re shopping at, but you might want to stick with known reputable ones. But even if this did happen, as I said, you would still have to confirm the transaction. And if you’re going to say that maybe the website can bypass this too, then this website has so thoroughly beaten iOS security that FaceID wouldn’t be the problem, it would have compromised your device anyway.
From what I heard that the Bionic chip is smart enough to determine your facial expression if you're willing to send the money. If your not smiling sending while sending that 10 grand it's not going through. Try it send me $10k!
There will be a 3% processing fee for credit card transactions. I’m assuming there is no fee for debit cards. I like how they have officially mentioned any of this stuff but they should make an FAQ page when it does launch.
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Even reputable sites can be hacked. And yes, there are other ways to mess with your device, but none that could easily get actual money from you so easily.
What bank do you have that would just let a $10,000 transaction pop on through without a fraud alert? If that came out of my account it would be declined real quick. But seriously though, this isn’t a thing. Wasn’t ever a thing with Touch ID and won’t be a thing with Face ID either. Don’t worry too much about it. Apple’s got it covered. Plus, this phone won’t even be out until November (probably December for most) anyway.
When using Apple Pay DO NOT hold your finger on the Touch ID before moving your iPhone to the NFC device but instead hold your iPhone up to the NFC device FIRST and let it remain there until your iPhone displays the amount of your purchase on your screen that will be charged to your default card when you are ready to confirm.
(If you do not approve of the amount displayed on your iPhone, pull your iPhone away from the NFC device without using the Touch ID and reconcile the price with the cashier.)
If nothing happens on your iPhone screen, try to move it closer or move to the top of the NFC device. You can usually tell when the NFC device is ready because blue lights are blinking or it's telling you to do an action on the display of the NFC device.
If the cashier has not pressed their action button on their register the NFC device will not be ready for your iPhone or card swipe.
(Sometimes you have to tell the cashier to press their action button to activate the NFC/swipe device. If it still doesn't show up on your iPhone it's possible that their system does not support Apple Pay, example Walmart won't work.)
If you would like the charge to be placed on a secondary card that has previously been set up, you will see partially hidden cards below, tap or scroll to that card that is partially hidden to bring it to the foreground and tap it again to select it and make it the temporarily default card for this one purchase.
When you are ready to pay, now lay your finder on the Touch ID, don't press the button, but just lay your finger on the Touch ID and you will hear an audio confirmation as well as a visual check mark on the screen.
You may now remove your finger and pull your iPhone away from the NFC device to close the Apple Pay interface.
(Sometimes the NFC/swipe device will require a secondary action like pressing a credit button or entering a ZIP Code.)
You will see a notification of the last purchase if your iPhone was locked and you can tap that notification to get more details like the purchase amount.
You can also open the Wallet app to see your last purchases for each card.
A great place to practice Apple Pay is McDonald's. Buy a food item and hold your iPhone up to the NFC device to see how it works. You may pull away and use a card swipe if you change your mind. Remember, don't place your finger on the Touch ID else it will immediately approve the puchase.
Remember, Apple Pay is more secure than using a card swipe because every time you use Apple Pay it generates a new unique card number for that one transaction, and then that number is destroyed and can never be used again thus making it more secure. So if somebody intercepts your transaction number it will not be valid for another purchase transaction.
Also, the Wallet app does not visually show your credit card numbers so if somebody steals your iPhone or your kids accessed your iPhone, they, and a thief cannot see your credit card numbers and they cannot make any purchases without your fingerprints or passcode, which is much more secure than losing your wallet where someone can make several large ticket item purchases before you have canceled your cards.
You can also set the Wallet app up to use a passcode instead of Touch ID.
If the purchased needs to be refunded the cashier should be able to reverse the charges without you using Apple Pay again from your iPhone.
(If you do not approve of the amount displayed on your iPhone, pull your iPhone away from the NFC device without using the Touch ID and reconcile the price with the cashier.)
If nothing happens on your iPhone screen, try to move it closer or move to the top of the NFC device. You can usually tell when the NFC device is ready because blue lights are blinking or it's telling you to do an action on the display of the NFC device.
If the cashier has not pressed their action button on their register the NFC device will not be ready for your iPhone or card swipe.
(Sometimes you have to tell the cashier to press their action button to activate the NFC/swipe device. If it still doesn't show up on your iPhone it's possible that their system does not support Apple Pay, example Walmart won't work.)
If you would like the charge to be placed on a secondary card that has previously been set up, you will see partially hidden cards below, tap or scroll to that card that is partially hidden to bring it to the foreground and tap it again to select it and make it the temporarily default card for this one purchase.
When you are ready to pay, now lay your finder on the Touch ID, don't press the button, but just lay your finger on the Touch ID and you will hear an audio confirmation as well as a visual check mark on the screen.
You may now remove your finger and pull your iPhone away from the NFC device to close the Apple Pay interface.
(Sometimes the NFC/swipe device will require a secondary action like pressing a credit button or entering a ZIP Code.)
You will see a notification of the last purchase if your iPhone was locked and you can tap that notification to get more details like the purchase amount.
You can also open the Wallet app to see your last purchases for each card.
A great place to practice Apple Pay is McDonald's. Buy a food item and hold your iPhone up to the NFC device to see how it works. You may pull away and use a card swipe if you change your mind. Remember, don't place your finger on the Touch ID else it will immediately approve the puchase.
Remember, Apple Pay is more secure than using a card swipe because every time you use Apple Pay it generates a new unique card number for that one transaction, and then that number is destroyed and can never be used again thus making it more secure. So if somebody intercepts your transaction number it will not be valid for another purchase transaction.
Also, the Wallet app does not visually show your credit card numbers so if somebody steals your iPhone or your kids accessed your iPhone, they, and a thief cannot see your credit card numbers and they cannot make any purchases without your fingerprints or passcode, which is much more secure than losing your wallet where someone can make several large ticket item purchases before you have canceled your cards.
You can also set the Wallet app up to use a passcode instead of Touch ID.
If the purchased needs to be refunded the cashier should be able to reverse the charges without you using Apple Pay again from your iPhone.
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The same one that fraudulently created bank accounts for its customers. It wasn’t an issue with Touch ID because that required you to move your finger to a location on your device to consent. Face ID doesn’t require an intentional movement. I might be watching something funny on TV and smiling without realizing my phone is on some malicious website, or my friends are pranking me asking me for $10,000 via iMessage. “Don’t worry too much. Apple’s got it covered” is the most unassuming thing ever lol. And what does the timing of its release have anything to do with its security features? Haha
That's where we will see a 3.5% fee plus a one time charge to move the money outside of Apple's financial bubble.
Don't be surprised if the percentage fee is higher than other card companies like PayPal. Apple and Tim Cook are know for shocking their install base with high prices.
NO, it's not going to be free to cash out.
Just think, if everybody keeps their money inside the Apple financial bubble, they will be laundering that money and making billions of dollars from our money sitting in their accounts with no interest being paid to us, what a racket.
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Apple Pay is a great disruption to the whole industry however Apple needs to work harder to roll it out to more countries. The progress is far too slow considering many European countries have used NFC payments for many years. Would be great to eventually send peer-to-peer payments using Apple Pay from one country to another.
This is interesting... My thoughts:
- What effects this will have on the money supply? - If millions of users start generating transactions to one another all in apple cash it'll get it's own multiplier and will be different from the rest of the money supply. Will it be inflationary?
- Apple could wind up sitting on a ton of cash earning short term interest
- I would rather receive money over stickers
- What effects this will have on the money supply? - If millions of users start generating transactions to one another all in apple cash it'll get it's own multiplier and will be different from the rest of the money supply. Will it be inflationary?
- Apple could wind up sitting on a ton of cash earning short term interest
- I would rather receive money over stickers
Well I’ll be over here using my brand new iPhone X with Face ID not concerned about strange unexpected $10,000 payments be sent. Like I said, they would be declined before I could even blink. But seriously, Once again, a payment that large is not likely to go through anyway and there will be some sort of interaction besides just glancing at your phone. They don’t show the beginning of the Face ID payment window so we’ll just have to find out in November. If you’re really that uncomfortable with the idea of it then simply don’t add your debit card to your wallet. Or deselect the toggle for checking safari pages for Apple Pay. It’s likely Apple has thought about all of these scenarios, you’re not the first person to mention it.
Some stores use external NFC attachments instead of having the antenna built into the terminal's display. Apple probably should have said to hold the phone over the contactless/Apple Pay logo on the terminal instead.