Why does Apple Pay require iCloud?

Discussion in 'iOS 8' started by brec, Nov 1, 2014.

  1. brec macrumors newbie

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    Jun 12, 2009
  2. The Doctor11 macrumors 603

    The Doctor11

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    New York
    #2
    The real question is...
    Why wouldn't you have iCloud?
     
  3. samiznaetekto macrumors 65816

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  4. LV426 macrumors 6502a

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    #4
    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.
     
  5. Rigby macrumors 601

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    San Jose, CA
    #5
    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).
     
  6. brec thread starter macrumors newbie

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    Jun 12, 2009
    #6
    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.
     
  7. WolfSnap macrumors 6502a

    WolfSnap

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    SoCal
    #7
    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!
     
  8. LV426 macrumors 6502a

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    Jan 22, 2013
    #8
    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).
     
  9. Rigby macrumors 601

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    San Jose, CA
    #9
    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.
     
  10. x34 macrumors 6502

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    Oct 19, 2014
    #10
    maybe because he does not trust us-american corportations that are working together with the US government and the nsa?
     
  11. newellj macrumors 603

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    Boston, MA, US
    #11
    You don't need to store any data there, and you do need iCloud to activate Find My iPhone in any case.
     
  12. x34 macrumors 6502

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    Oct 19, 2014
    #12
    not true, you dont need an active icloud account for this.
     
  13. The Doctor11 macrumors 603

    The Doctor11

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    #13
    If you say so :rolleyes:
     
  14. x34 macrumors 6502

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    #14
    [​IMG]
     
  15. caesarp macrumors 6502a

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    Sep 30, 2012
    #15
    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.

    ----------

    The transaction history on your phone is not meant to replace the statement you receive from your bank or can view online.
     
  16. aristobrat macrumors G5

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    Oct 14, 2005
    #16
    Like governments around the world haven't already been able to track peoples electronic payment transactions for years anyway? :eek:

    Seems like CASH would be the only way to pay for someone worried about what your'e posting about.
     
  17. LV426 macrumors 6502a

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    Jan 22, 2013
    #17
    Thanks for the info.
     
  18. aristobrat macrumors G5

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    Oct 14, 2005
    #18
    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).
     
  19. brec thread starter macrumors newbie

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    Jun 12, 2009
    #19
    Our story thus far

    No one knows why iCloud is required for Apple Pay. The most plausible guess is requiring the ability conferred by iCloud to remotely remove credit cards and/or to remotely suspend Apple Pay.
     
  20. wacky4alanis macrumors 6502a

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    Mar 18, 2009
    #20
    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".
     

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