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New Apple Pay Setup Screens Unearthed in iOS 8.1 Beta 2

Tuesday October 7, 2014 9:28 pm PDT by Husain Sumra
Hours after Apple seeded the second iOS 8.1 beta to developers, developer Hamza Sood has located the Apple Pay setup screen in the Passbook app, the Apple Pay setup screen in the initial iOS 8.1 setup and Apple Pay setup on the iPad. Previously, Sood had found the Apple Pay setup screen within the Settings app.

applepaysetup
The setup prompt within Passbook is similar to the setup prompt to add passes, educating potential users on what the service is before providing a link to where users can input and scan their credit cards for use. Potential users have the choice to either input their credit card numbers via the keyboard or to take a photo of their card and have it inputted automatically.

The iPad gets the same setup screen as the iPhone version, but does not mention the ability to use Apple Pay in a retail store as no current iPads contain the NFC technology required to use the feature and it is uncertain whether it could be included in future iPads. Additionally, Apple Pay requires Touch ID, which current iPad models do not have, although future iPads are expected to have the new Touch ID home button.

iOS 8.1 is likely to be the update to include Apple Pay, although Apple has not yet flipped the switch within the betas seeded to developers. Instead, the company seems to have been preparing the features behind-the-scenes. Alongside Apple Pay, iOS 8.1 is expected to include a host of bug fixes for issues in iOS 8, including a fix for Bluetooth connectivity problems.

Tag: iOS 8.1
[ 117 comments ]


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Recognition
65 months ago

Still no word of this coming to thw UK though. NFC adoption is pretty poor here.

In fact I am still not sure this is quicker or easier than a chip and pin card.


Hmm, I've found NFC to be in quite a lot of places.
Sainsburys, Tesco, Whsmith, McDonald's, Pret a Manger, café Nero, Greggs, Eat, Uppercrust and I'm sure there's more that I haven't been in.

Granted most of them are food related but that's probably because of the £20 (iirc) limit for contactless payments.
Rating: 4 Votes
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sziehr
65 months ago
awesome can't wait for this to happen.
Rating: 3 Votes
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macmikey2
65 months ago

So I updated my iPhone 6 to 8.1 and launched Passbook to NOT find Apple Pay setup. Any ideas?


So, you DID NOT read the entire article?
Rating: 3 Votes
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Kebabselector
65 months ago

Can someone please explain to me why previous generation iPhones and iPads are being cut out of using Apple Pay for online purchases? Clearly I can't do contactless payments with my 5s because no NFC, but what's the deal otherwise? Is this just an artificial limitation to get people to buy new phones?


It might have something to do with the secure enclave for cards.#

Do you mean new ones as in replacing existing ones? I know I sound stupid but one thing I do know is that places like Wegmans and even McDonalds have had NFC terminals way before Apple Pay. I'm not saying Apple Pay isn't revolutionary but the terminals have been there.


If it's NFC enabled terminal then it should work with Apple Pay. To the reader the iPhone 6 is just another NFC enabled card.
Rating: 2 Votes
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peterh988
65 months ago

With Apple Pay you are authorising with your finger print, so there is no need to have a limit.[COLOR="#808080"]


Yep, I think that would have to be the case, otherwise it's a hell of an investment for something that'll only be used for buying lunch.

Besides, if Apple are using it in their own stores, there's not a lot in there you can buy for less than £20!
Rating: 2 Votes
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gadgetguy03
65 months ago

Can someone please explain to me why previous generation iPhones and iPads are being cut out of using Apple Pay for online purchases? Clearly I can't do contactless payments with my 5s because no NFC, but what's the deal otherwise? Is this just an artificial limitation to get people to buy new phones?


No Touch ID authorization and the lack of a Secure Element

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Exactly.

I bank with a small regional bank... so they're definitely not on that list.

But I'm hoping more banks hop on board!


If your credit/debit card issuer is on board, you should be set. Not too sure on that though. ;)
Rating: 2 Votes
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Diode
65 months ago

Quick question: Don't have a 6 or 6 plus, but does Apple Pay allow you to pay with not Apple Pay merchants? So if you wanted to buy from Wegmans instead of Whole Foods, would the transaction continue?


Anywhere Mastercard PayPass, Visa PayWave, or American Express ExpressPay is accepted will take Apple Pay.

Rating: 2 Votes
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dontwalkhand
65 months ago

WRONG! The retailer also has to contract with their bank/processor to accept it also. One notable example is Walmart who will not accept Apple Pay...

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Again, wrong wrong wrong. The retail establishment may have the terminal but that doesn't mean they will accept Apple Pay! There is a lot more behind the scenes that has to occur before they can accept Apple Pay, and not every notable retailer has signed up for this yet.

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This stupidity has to stop folks. Just because there is a terminal does not mean Apple Pay is usable. The stores on Apple's web site are there only because they can accept Apple Pay. It's not universal by any means, and it's not going to be "everywhere you see a PayPass terminal"



Learn to research something before you post please: http://consumerist.com/2014/09/12/walmart-best-buy-wont-accept-apple-pay-at-their-stores/

What sucks about this is that the "other" pay applications will not have the same security that Apple Pay has, and will put at risk your money more than Apple at first. That may be fixed later, but I doubt it.

I must be wrong when I use my Wells Fargo debit card by tapping it at this store every day and it works. Of course the store had it enabled, it just didn't show it due to lazy programmers.

Apple Pay is NFC, it does NOT NEED ANYTHING at the register. Even take a look at Apple's website. Apple did not get 220,000 retailers to update their registers because the iPhone 6 is coming out.

Do you really think the retailers listed using IBM 4690 is going to have an entry for Apple Pay?

The reason why it doesn't work at the stores you've mentioned is because they only have regular Chip & PIN mag stripe terminals not ones with NFC

It looks like YOU need to do research. Come the day of Apple Pay being released I'll post videos of me using it at mom and pop that obviously didn't pay Apple. Especially if you're going to call people stupid.
Rating: 2 Votes
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Ivan0310
65 months ago

i guess you haven't been paying attention. the 6 has an NFC chip, which is the protocol used to do contactless payments. how on earth could older phones transmit that when they don't have the hardware to do so?


And I guess you can't read; try some basic reading comprehension before calling someone else out for perceived ignorance--my question was legitimate, deal with it.

I already acknowledged the fact that the 5s doesn't have an NFC chip and therefore cannot do contactless payments.

Can someone please explain to me why previous generation iPhones and iPads are being cut out of using Apple Pay for online purchases? Clearly I can't do contactless payments with my 5s because no NFC, but what's the deal otherwise? Is this just an artificial limitation to get people to buy new phones?

NFC-enabled contactless payments aren't the only method available for the Apple Pay system. It will also allow for online payments through supported apps. There is no physical point of service, just a method of online payment--meaning this doesn't appear to be a hardware issue on the face of it.

However, others have explained that there is a secure element for credit cards separate from the secure enclave for Touch ID. This means it is a hardware issue after all. So thank you to those that actually provided useful input.
Rating: 2 Votes
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kdarling
65 months ago

Every store is in the process of buying new ones. After the Target and Home Depot breach, credit card companies moved up the date for credit cards with chips on them.


AFAIK, the US target dates for chip cards haven't changed in years.

However, the merchant account number breaches have undoubtedly made tokenizing more attractive.

Can someone please explain to me why previous generation iPhones and iPads are being cut out of using Apple Pay for online purchases? Clearly I can't do contactless payments with my 5s because no NFC, but what's the deal otherwise? Is this just an artificial limitation to get people to buy new phones?


The older phones do not have a Secure Element where the various card payment applets can run. This is necessary even for in-app Apple Pay.

Apple could've gone with an SE in their Secure Enclave, or in the cloud, but stayed with the EMVCo specification that currently requires a dedicated SE.

Question for our American cousins, do you only have the option of NFC payments if the total is below a certain amount?


AFAIK, in the US there is no limit (http://blog.gemalto.com/blog/2012/11/26/are-there-limits-to-nfc-and-mobile-payments/) on mobile NFC payments except what your credit card has. (Google Wallet (https://support.google.com/wallet/answer/2857409?hl=en) does have like a $1,000 per day in-store purchase limit until they've vetted you, then the limit is your backing card.)

With Apple Pay you are authorising with your finger print, so there is no need to have a limit.


TouchID is just a convenient and optional replacement for entering a PIN. It's not the reason there's no limit in the US. Overseas, we don't know what will happen yet.

Hmmm. That screen shot says "when you use Apple Pay, information about your card, device and location will be sent to Apple and your bank." (Paraphrased)

I thought the whole point was that Apple didn't know where you bought something.


"If you have Location Services turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Apple. Apple uses this information to help Apple Pay improve the accuracy of business names in your transaction history and may be retained in the aggregate to improve Apple Pay and other Apple products and services." - Apple Pay Security
Rating: 2 Votes

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