Apple Announces 'Apple Pay' Mobile Payment Solution, Enabled at Over 220,000 U.S. Merchants

At a special media event today, Apple announced its new Apple Pay payment solution for the iPhone 6 and iPhone 6 Plus, which utilizes the Touch ID fingerprint sensor, a new "Secure Element" functionality, and the built-in NFC antenna in conjunction with a credit card stored on iTunes. Apple Pay will also be compatible with the just-announced Apple Watch.

applepay1
To make a payment, users hold the iPhone 6 or iPhone 6 Plus to a receiver while holding the Touch ID home button. Apple states that card numbers will only be stored or shared in Secure Element, and if an iPhone is ever lost or stolen, Find my iPhone can suspend all payments. Apple is also touting privacy, stating that it does not record what users bought or how much they paid. Cashiers also do not see a name, credit card number, or security code.

“Security and privacy is at the core of Apple Pay. When you’re using Apple Pay in a store, restaurant or other merchant, cashiers will no longer see your name, credit card number or security code, helping to reduce the potential for fraud,” said Eddy Cue, Apple’s senior vice president of Internet Software and Services. “Apple doesn’t collect your purchase history, so we don’t know what you bought, where you bought it or how much you paid for it. And if your iPhone is lost or stolen, you can use Find My iPhone to quickly suspend payments from that device.”

applepay2
Apple Pay will first launch in the United States next month as an update to iOS 8 and will be compatible with American Express, Mastercard, and Visa credit and debit cards, with Citi, Bank of America, Capital One, Wells Fargo, and Chase also listed as partners.

Apple highlights that the program will work with over 220,000 U.S. retail stores, including Walgreens, Duane Reade, Macy's, Nike, Bloomingdales, Staples, Subway, McDonalds, and more. Apple will also launch a new Apple Pay API for developers to integrate the system into their apps.

Related Roundup: Apple Pay

Top Rated Comments

nagromme Avatar
90 months ago
Are you kidding? This is pretty much an exact clone of Google Wallet which came out in 2011. I have been using it almost daily since 2011 and I live in the US where according to some people where there isn't any contactless payments.

"Exact clone?" Google Wallet has the Apple secure storage chip, the same arrangements with banks and cards, the same developer support, and TouchID? And had all that since 2011? Amazing :p
Score: 31 Votes (Like | Disagree)
swarmster Avatar
90 months ago
I hate to be that guy but it's pretty funny seeing people on twitter saying this is "godlike" when NFC has been around for a LONG time.

I own no Android products but it's still annoying how blind people are.
The companies that put Android on their phones may have stuck an NFC chip in one, but that's a long shot from what Apple's showing here.

Of course, a lot remains to be seen.
Score: 24 Votes (Like | Disagree)
genovelle Avatar
90 months ago
Are you kidding? This is pretty much an exact clone of Google Wallet which came out in 2011. I have been using it almost daily since 2011 and I live in the US where according to some people where there isn't any contactless payments.

So, Google Wallet uses a secure Touch ID system to verify your identity?
Score: 15 Votes (Like | Disagree)
swarmster Avatar
90 months ago
Are you kidding? This is pretty much an exact clone of Google Wallet which came out in 2011. I have been using it almost daily since 2011 and I live in the US where according to some people where there isn't any contactless payments.

Not acting as a middle-man or tracking purchases, not sharing credit card numbers or details with retailers, actual partnerships with real world banks and retailers. Outside a few enthusiasts, I'm not sure I've ever heard of anyone using Google Wallet (okay, they gave me $10 off at Newegg once).

It remains to be seen whether this will take off, but Apple's at least making an effort in positioning it. Google Wallet's felt like the kind of Google endless-beta that might suddenly disappear any quarter now.
Score: 15 Votes (Like | Disagree)
reclusive46 Avatar
90 months ago
Why roll it out in the US first where contactless use is pretty much non-existent? Contactelss usage and acceptance is much higher in Australia, New Zealand, Canada and the UK.
Score: 14 Votes (Like | Disagree)
cloudyo Avatar
90 months ago
This has nothing to do with NFC being new. This payment solution is the first of its kind. It happens to use NFC but thats not the point.
Score: 13 Votes (Like | Disagree)

Top Stories

General Apps Messages

All Three Major U.S. Carriers and Google Adopt Rich Communication Services, But No Sign of Apple Interest

Tuesday July 20, 2021 1:15 pm PDT by
For the last several years, Google has been pushing a new communications protocol called Rich Communication Services, or RCS. RCS is designed to replace SMS, the current text message standard, and it offers support for higher resolution photos and videos, audio messages, bigger file sizes, better encryption, improved group chat, and more. Verizon today announced that it is planning to adopt...
AirPods Pro Beta Firmware

AirPods Pro Beta Firmware Now Available

Wednesday July 21, 2021 6:50 am PDT by
Upcoming AirPods Pro firmware updates are now available to Apple Developer Program members as beta versions. AirPods Pro firmware beta one features FaceTime Spatial Audio and Ambient Noise Reduction. Custom Transparency mode, including Conversation Boost, was initially expected to be included in the beta but appears to have been delayed for a later version. Apple made the announcement...
maxresdefault

Apple Music to Livestream Premiere of Kanye West's New Album 'Donda' on Thursday

Wednesday July 21, 2021 1:49 am PDT by
Apple Music on Thursday will host a global livestream for the premiere of Kanye West's tenth studio album, titled "Donda." The sold-out event will take place at the Mercedes-Benz Stadium in Atlanta, Georgia, and Apple Music's livestream will start at 8:00 p.m. Eastern Time. The livestream was revealed in a Beats Studio Buds ad that aired during the NBA Finals. The ad features U.S. track...
ios wifi settings

Apple Confirms iOS 14.7 Fixes WiFi Bug and Many Other Vulnerabilities

Wednesday July 21, 2021 11:38 am PDT by
Following the release of iPadOS 14.7 this morning, Apple has shared details on the security updates that are included in iOS 14.7, iPadOS 14.7, macOS Big Sur 11.5, watchOS 7.6, and tvOS 14.7, all of which came out this week. Notably, Apple's documentation confirms that the iOS 14.7 and iPadOS 14.7 updates address a WiFi-related vulnerability that could impact iOS devices when joining a...
16 inch macbook pro m2 render

Gurman: Redesigned MacBook Pros to Launch Between September and November

Sunday July 18, 2021 7:39 am PDT by
Apple can be expected to release its redesigned 14-inch and 16-inch MacBook Pros sometime between September and November, as part of another packed fall season for new product launches, according to Bloomberg journalist Mark Gurman. In the latest edition of his Power On newsletter, Gurman says that the new MacBook Pros will go into production in the third quarter and can be expected to be...
macOS Malware Feature

Common Windows Malware Can Now Infect Macs

Wednesday July 21, 2021 8:13 am PDT by
A common form of malware on Windows systems has been modified into a new strain called "XLoader" that can also target macOS (via Bleeping Computer). Derived from the Formbook info-stealer for Windows, XLoader is a form of cross-platform malware advertised as a botnet with no dependencies. It is used to steal login credentials, capture screenshots, log keystrokes, and execute malicious files. ...
magsafe battery pack solo

Hands-On With Apple's MagSafe Battery Pack

Tuesday July 20, 2021 11:14 am PDT by
The new MagSafe Battery Pack that Apple debuted this week is arriving to customers starting today and it's also now available for in-store pickup in many Apple retail locations around the world. We snagged one this morning and thought we'd take a look at it to let MacRumors readers know if it's worth the $99 asking price. Subscribe to the MacRumors YouTube channel for more videos. As the name ...
macOS Big Sur Feature Orange

Apple Releases macOS Big Sur 11.5 With Podcast App Updates and Bug Fixes

Wednesday July 21, 2021 10:15 am PDT by
Apple today released macOS Big Sur 11.5, the fifth major update to the macOS Big Sur operating system that launched in November 2020. macOS Big Sur 11.5 comes two months after the release of macOS Big Sur 11.4. The new ‌‌‌‌‌macOS Big Sur‌‌‌‌ 11.5 update can be downloaded for free on all eligible Macs using the Software Update section of System Preferences. macOS Big Sur...
apple tv 4k design green

Apple Releases tvOS 14.7 for Apple TV HD and Apple TV 4K

Monday July 19, 2021 10:04 am PDT by
Apple today released tvOS 14.7, the seventh update to the tvOS 14 operating system that initially debuted in September 2020. tvOS 14.7 comes two months after the launch of the tvOS 14.6 update. tvOS 14.7, which is a free update, can be downloaded over the air through the Settings app on the Apple TV by going to System > Software Update. ‌‌Apple TV‌‌ owners who have automatic software ...
ipad pro m1 feature

Apple Releases iPadOS 14.7 With Apple Card Merging Option, Fix for 3.5mm Headphone Jack to USB-C Adapter Bug

Wednesday July 21, 2021 10:18 am PDT by
Apple today released iPadOS 14.7, marking the seventh major update to the iPadOS operating system that came out in September 2020. Apple already released iOS 14.7 on July 19, but for some reason, delayed the iPadOS 14.7 debut until today. The iPadOS 14.7 update can be downloaded for free and the software is available on all eligible devices over-the-air in the Settings app. To access the new ...