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Why does Apple Pay require iCloud?
- Thread starter brec
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On a 5s in the UK with no access to Apple Pay here... But doesn't Apple Pay give you the option to review your purchases? If so, it strikes me that iCloud would be the best place to store that information in case you lose your phone. I wouldn't want my transaction history to disappear just because I'd lost my phone.
It appears the only reason why Apple requires you to be signed in to iCloud in order to use Apple Pay is security: If you lose the phone, you can suspend Apple Pay remotely by placing the phone in Lost Mode, or you can remove the payment cards from the device on the iCloud web page (under icloud.com/settings).
Your credit card statements and associated web site would have transaction history, no?
Regardless, the only reference I've seen to transaction history is recent (only) transactions stored in Passbook, which wouldn't do any good if you lose your phone. I haven't seen any reference to history available through iCloud.
This.
If you don't have icloud, you have:
1) no way to track your lost/stolen phone
2) no way to disable your credit cards
3) no way to use handoff/convergence
4) no way to use iMessage/FaceTime
5) you may as well just get yourself a nice feature phone. I hear there are some nice phones that only make phone calls that you can get for free!
Yes, they would, obviously, but I wouldn't want them to disappear from my phone for no good reason. Why would you expect Passbook to be 'no good' if you lose your phone? Doesn't Passbook get restored from an iCloud backup on a new phone, like just about everything else?
Can someone who's actually used Apple Pay confirm how recent transactions are viewed on the phone. I'm interested to know exactly what it shows (and where).
No. Credit cards in Passbook and their associated data are not backed up to iCloud. This remains between you and your bank. You can always look up your transaction history at the bank web site.
Each card shows the name of the store, the date and (for most cards) the amount charged or blocked at the time of the purchase (which may not always be the final amount) for the last few transactions.
maybe because he does not trust us-american corportations that are working together with the US government and the nsa?
In Passbook, under the picture of my AMEX card:
"Last Transaction
Whole Foods Market $62.28
(2 days ago)"
Also, in Passbook, when you press the little "i" (info) button on bottom right where my AMEX card is pictured:
"Transactions:
Whole Foods Market $62.28
(2 days ago - iPhone)."
By the way, if you toggle off/on "card notifications", all of the transactions listed go away.
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The transaction history on your phone is not meant to replace the statement you receive from your bank or can view online.
With my AMEX Passbook card (that I use for ApplePay), it only shows the last 10 transactions (with a link for More Transactions... that launches the AMEX iOS app).
I am signed into iCloud, but I ONLY use it for "Find my iPhone". Everything else is turned off. It seems like that is a pretty unobtrusive way to use iCloud if you don't actually want to use "the cloud".