How Apple Pay Works
Paying for your morning coffee by tapping your phone against a terminal has become so routine that it's easy to forget how much happens behind the scenes during those two seconds.
Apple Pay launched in 2014, enabling users to make contactless payments without ever handing over their actual credit card number. It works wirelessly at compatible point-of-sale terminals using an iPhone or Apple Watch, and also on Macs with Touch ID when checking out on supported websites.
For most people, the payment process looks something like this:
- Double-click the side button to open Wallet
- Select a payment card
- Authenticate with Face ID or Touch ID
- Hold the iPhone or Apple Watch near the payment terminal
- NFC transmits payment credentials to the terminal
- The merchant verifies the transaction and payment is approved
Simple on the surface, but there is far more happening underneath.
Contactless payments were met with some hesitation when...
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