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

(View all)
Avatar
80 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)
Avatar
80 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)
Avatar
80 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)
Avatar
80 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)
Avatar
80 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)
Avatar
80 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

Early iPhone 12 Tests Show Ceramic Shield is Stronger and More Scratch Resistant Than iPhone 11 Glass

Friday October 23, 2020 1:21 pm PDT by
Apple's new iPhone 12 models are protected by a Ceramic Shield cover glass that has nano-ceramic crystals infused right into the glass to improve durability. According to Apple, Ceramic Shield offers four times better drop protection than the glass used for the iPhone 11 models. YouTube channel MobileReviewsEh conducted some tests on the iPhone 12 using a force meter to compare its performance ...

First Impressions From New iPhone 12 and 12 Pro Owners

Thursday October 22, 2020 4:20 pm PDT by
It's already Friday, October 23, in Australia and New Zealand, which means some customers who purchased an iPhone 12 or 12 Pro already have their new devices in hand. We've seen dozens of reviews of the iPhone 12 and iPhone 12 Pro from media sites, but now first impressions from regular Apple customers are available. Image via MacRumors reader Boardiesboi New iPhone 12 and 12 Pro owners are...

iPhone 12 Pro Allows You to Measure Someone's Height Instantly Using LiDAR Scanner

Saturday October 24, 2020 11:12 am PDT by
iPhone 12 Pro models feature a new LiDAR Scanner for enhanced augmented reality experiences, but the sensor also enables another unique feature: the ability to measure a person's height instantly using the Measure app. You can even measure the seated height of a person in a chair, according to Apple. When the Measure app detects a person in the viewfinder, it automatically measures their...

Apple VP Kaiann Drance Interview Addresses Battery Life, MagSafe, and Power Adapter Concerns

Friday October 23, 2020 3:37 am PDT by
Apple's Vice President of iPhone Marketing, Kaiann Drance, has provided a new interview to Rich DeMuro on the Rich on Tech Podcast, to discuss the iPhone 12 and iPhone 12 Pro. Although much of the interview repeated points from Apple's "Hi, Speed" event, there were a number of interesting tidbits regarding the affect of 5G on battery life, MagSafe concerns, and the lack of a power adapter in...

iPhone 11 Pro Outlasts iPhone 12 and 12 Pro in Extensive Battery Life Test

Friday October 23, 2020 8:36 am PDT by
Arun Maini today shared a new side-by-side iPhone battery life video test on his YouTube channel Mrwhosetheboss, timing how long the new iPhone 12 and iPhone 12 Pro models last on a single charge compared to older models, with equal brightness, settings, battery health, and usage. All of the devices are running iOS 14 without a SIM card inserted. In the test, the iPhone 11 Pro outlasted both ...

Apple Distributing New Heated Display Removal Machine for iPhone 12 Repairs

Thursday October 22, 2020 6:20 pm PDT by
Apple is providing Genius Bars and Apple Authorized Service Providers with a new heated display removal fixture for iPhone 12 and iPhone 12 Pro repairs, according to information obtained by MacRumors from a reliable source. To open iPhone 12 models, technicians will be required to slide the device into a specialized tray, and then place the tray into the high-temperature fixture for two...

Apple Warns MagSafe Charger Can Leave Circular Imprints on Leather Cases

Friday October 23, 2020 3:23 pm PDT by
If you keep your iPhone in a leather case while charging with Apple's new MagSafe Charger, the case might show circular imprints from contact with the accessory, according to a new Apple support document published today. Apple's leather cases for the iPhone 12 and iPhone 12 Pro are not available until November 6, but a MacRumors reader has already shared a photo of a circular imprint on...

MagSafe Charger Teardown Reveals Simple Design With Magnets and Charging Coil Encircling a Small Circuit Board

Friday October 23, 2020 7:50 am PDT by
iFixit has today shared a teardown of Apple's new MagSafe charger for the iPhone 12 and iPhone 12 Pro. An X-ray of the MagSafe charger courtesy of Creative Electron reveals the internal charging coil surrounded by a circular arrangement of magnets within the puck. The only seam that iFixit was able to leverage to open the device was where the white rubber circle meets the metal rim,...

PSA: Non-iPhone 12 Models Charge Super Slowly With MagSafe Charger

Friday October 23, 2020 4:11 pm PDT by
Alongside the iPhone 12 models, Apple introduced a new $39 MagSafe Charger that's meant to work with the magnets in the iPhone 12 Pro models to charge them up at a maximum of 15W. The MagSafe Charger is technically able to be used with older iPhones, but it's not a good idea because the charging with non-iPhone 12 devices is so slow. We did two tests with the iPhone XS Max, draining the...

New Photos Offer Better Look at iPhone 12 Color Options

Tuesday October 20, 2020 2:34 am PDT by
As we wait for the iPhone 12 review embargo to lift later today, more pictures are circulating of the devices in real-world lighting conditions, providing a better look at the different colors available. Leaker DuanRui has shared images on Twitter of the iPhone 12 in white, black, blue, green, and (PRODUCT)RED. The black and white colors are similar to the iPhone 11 colors, but the other...