Retailer and Credit Card Internal Training Info Suggests October 20 Apple Pay Launch Date

Apple's new mobile payments service, Apple Pay, may be enabled shortly after its Thursday iPad-centric media event, according to internal information leaked from various retailers and credit card companies.

Employees that work for one of Apple's major Apple Pay credit card partners have already finished their Apple Pay training and have been told that the payments service will be released on Monday, October 20, according to an employee who shared the information with MacRumors.

applepaytouchid
Similarly, a lengthy internal memo from Panera Bread obtained by 9to5Mac also suggests that Apple will launch Apple Pay on Monday, October 20.

As you are aware, Panera is a featured partner with Apple in their announcement of the iPhone 6 and the new Apple Pay platform. Now, we are excited to share that Apple is very close to releasing Apple Pay and actually planning to launch on October 20th.

Panera, like many other Apple retail partners, is currently training its employees on how to accept Apple Pay payments through the company's Verifone point-of-sale-systems. Panera has provided a short training video for managers and cashiers, along with an FAQ and talking points.

Last week, an internal memo addressed to Walgreens employees suggested that Apple was planning to launch Apple Pay on October 18, so it is a bit unclear when Apple Pay will actually go live for consumers. A weekend debut is an odd choice for Apple, lending credence to the Monday, October 20 date.

USAA, one of Apple's bank partners, has said that it plans to begin supporting Apple Pay on November 7, suggesting that retailers and banks will begin rolling out support for the service at different times.

Whether planned for October 18 or October 20, the launch of Apple Pay appears to be imminent, and as Apple Pay will be enabled via an update to iOS 8, the launch of iOS 8.1 is also coming in the next few days. First seeded to developers in late September, iOS 8.1 contains hidden references to Apple Pay.

Apple Pay's exact debut date will likely be revealed during Apple's October 16 media event, which will see the company introducing a new iPad Air, a new Retina iPad mini and a Retina iMac. Both of Apple's new iPads include support for Touch ID and will allow users to make purchases within apps using Apple Pay.

Related Roundup: Apple Pay

Popular Stories

AirPods Pro Firmware Feature

Apple Releases New Firmware for AirPods Pro 2, AirPods Pro 3, and AirPods 4

Thursday November 13, 2025 11:35 am PST by
Apple today released new firmware designed for the AirPods Pro 3, the AirPods 4, and the prior-generation AirPods Pro 2. The AirPods Pro 3 firmware is 8B25, while the AirPods Pro 2 and AirPods 4 firmware is 8B21, all up from the prior 8A358 firmware released in October. There's no word on what's include in the updated firmware, but the AirPods Pro 2, AirPods 4 with ANC, and AirPods Pro 3...
iPhone Pocket Short

iPhone Pocket Now Available to Order, But Already Selling Out

Friday November 14, 2025 6:20 am PST by
Apple recently teamed up with Japanese fashion brand ISSEY MIYAKE to create the iPhone Pocket, a limited-edition knitted accessory designed to carry an iPhone. iPhone Pocket is available to order on Apple's online store starting today, in the United States, France, China, Italy, Japan, Singapore, South Korea, and the United Kingdom. However, it is already completely sold out in the United...
CarPlay Pinned Messages

iOS 26.2 Adds New CarPlay Setting

Thursday November 13, 2025 6:48 am PST by
iOS 26 extended pinned conversations in the Messages app to CarPlay, for quick access to your most frequent chats. However, some drivers may prefer the classic view with a list of individual conversations only, and Apple now lets users choose. Apple released the second beta of iOS 26.2 this week, and it introduces a new CarPlay setting for turning off pinned conversations in the Messages...
tvOS 26 Profiles

tvOS 26.2 Adds a Useful New Feature to Your Apple TV

Friday November 14, 2025 10:02 am PST by
Starting with the upcoming tvOS 26.2 update, currently in beta, additional profiles created on the Apple TV no longer require their own Apple Account. In the Settings app on the Apple TV, under Profiles and Accounts, anyone can create a new profile by simply entering a name and indicating whether the profile is for a kid. The profile will be associated with the primary user's Apple Account,...
Tim Cook WWDC 2018

Report: Tim Cook to Step Down as Apple CEO 'as Soon as Next Year'

Saturday November 15, 2025 2:40 pm PST by
Apple is preparing for Tim Cook to step down as CEO of the company "as soon as next year," according to the Financial Times. The company's board of directors and senior executives "recently intensified preparations for Cook to hand over the reins," the report said. While the report said that Apple is unlikely to name a new CEO before its next earnings report in late January, it went on to ...
apple silicon mac lineup 2024 feature purple m5

Apple's 2026 Mac Plans

Friday November 14, 2025 3:23 pm PST by
Most of Apple's Macs are slated to get M5 chips across 2026, and there's a possibility we'll even see the first M6 chips toward the end of the year. Updates are planned for everything from the MacBook Air to the Mac Studio. MacBook Air (Early 2026) The MacBook Air will be one of the first Macs to get a 2026 refresh, with an update planned for the first few months of the year. The MacBook...
walmart new ornametns

Walmart Black Friday Deals Begin Today With Low Prices on Headphones, TVs, and More

Friday November 14, 2025 7:55 am PST by
Walmart's Black Friday sale has officially kicked off today, with an online shopping event that's also seeing some matching deals in retail locations. There are quite a few major discounts in this sale, including savings on headphones, TVs, and more. Note: MacRumors is an affiliate partner with Walmart. When you click a link and make a purchase, we may receive a small payment, which helps us...
best early black friday deals

Best Black Friday Apple Deals Live Now - Save on AirPods, iPads, and Apple Watches

Saturday November 15, 2025 1:45 pm PST by
We're officially in the month of Black Friday, which will take place on Friday, November 28 in 2025. As always, this will be the best time of the year to shop for great deals, including popular Apple products like AirPods, iPad, Apple Watch, and more. In this article, the majority of the discounts will be found on Amazon. Note: MacRumors is an affiliate partner with some of these vendors. When ...
iOS 26

iOS 26.2 Available Next Month With These 8 New Features

Tuesday November 11, 2025 9:48 am PST by
Apple released the first iOS 26.2 beta last week. The upcoming update includes a handful of new features and changes on the iPhone, including a new Liquid Glass slider for the Lock Screen's clock, offline lyrics in Apple Music, and more. In a recent press release, Apple confirmed that iOS 26.2 will be released to all users in December, but it did not provide a specific release date....
homepod mini thumb feature

New HomePod Mini, Apple TV, and AirTag Were Expected This Year — Where Are They?

Wednesday November 12, 2025 11:42 am PST by
While it was rumored that Apple planned to release new versions of the HomePod mini, Apple TV, and AirTag this year, it is no longer clear if that will still happen. Back in January, Bloomberg's Mark Gurman said Apple planned to release new HomePod mini and Apple TV models "toward the end of the year," while he at one point expected a new AirTag to launch "around the middle of 2025." Yet,...

Top Rated Comments

dannyyankou Avatar
145 months ago
Will I be able to use Apple Pay at *any* store with an NFC point of sale module?
Yes.

Only to partners who specifically accept Apple Pay
No.

//www.youtube.com/watch?v=38IqQpwPe7s&list=UUE_M8A5yxnLfW0KghEeajjw#t=3061
Score: 13 Votes (Like | Disagree)
oddnendz Avatar
145 months ago
Swiping a credit card at a terminal has been such a pain for so many decades.
Not.

That plastic card is just too much of an inconvenience to carry around and use.
Not.

Apple pay clearly will make purchasing so much easier, safer and better.
Not.

Apple pay is a solution looking for a problem.
Is.

Oh my phone batt died & my credit card is at home. I guess I'm screwed.
Are.
Buy a damn charger and cord for your car...... I am sick of people complaining about a dead phone battery. I have a charger in my car and small solar battery charger that fits in my purse. I don't have issues with dead phone batteries.

And after having one credit card and my debit card being compromised, I welcome Apple Pay wholeheartedly....
Score: 9 Votes (Like | Disagree)
SonicSoundVW Avatar
145 months ago
as long as iOS8 fixes a plethora of bugs currently present, i don't think ill be participating. Im looking forward to stability and bug fixes with iOS8 over the ability to use Pay.
Score: 5 Votes (Like | Disagree)
Bare Avatar
145 months ago
Swiping a credit card at a terminal has been such a pain for so many decades.
Not.

That plastic card is just too much of an inconvenience to carry around and use.
Not.

Apple pay clearly will make purchasing so much easier, safer and better.
Not.

Apple pay is a solution looking for a problem.
Is.

Oh my phone batt died & my credit card is at home. I guess I'm screwed.
Are.
You are nuts.

1. You're standing in line already holding your phone responding to a text or something. Now you're next to check out. Put your finger over the Touch ID sensor, hold it up to the scanner, and bam, you're done. OR, you can put your phone away, pull your wallet out, pick the right card, swipe, failed swipe, swipe again, put in your pin/sign your name with those crappy e-pens that only work half the time... Yeah, I'd rather just move that phone that's already in my hand a few inches toward the register and be done with it.

2. It's 2014. A lot of people carry their phones with them everywhere but not necessarily huge wallets or purses. Many people also have multiple credit/debit/gift/reward cards. Consolidating all that into that phone you ALREADY carry around with you everywhere is definitely more convenient.

3. Apple Pay will be much safer. No one ever gets a chance to look at your CC number. No one can see you enter your pin. No one can use a scanning device to get your magnetic strip data. No one can steal your fingerprint. Apple Pay doesn't transmit your CC number, your name, or any information about you specifically to the retailer, so when that retailer inevitably gets hacked, the hackers don't have any of your data because the retailer never had your data to begin with. Yes, Apple Pay is MUCH safer.

4. Apple Pay actually solves several problems (listed above).

5. The new iPhones get great battery life, especially a 6 Plus like mine, which can go two days easily without being plugged in (although why would that be necessary in 2014 when outlets and chargers are all over the place -- in your home, in your car, at your office, I've seen airports and restaurants that have charging stations with adapters for several different phone brands, etc.).

But, sure, continue to think that Apple Pay is a gimmick. Don't use it. Get your financial information stolen. Have fun with that.
Score: 4 Votes (Like | Disagree)
DotCom2 Avatar
145 months ago
Apple Pay will definitely be safer. Unless you think magnetic stripe and exposed CC numbers is safe. Hello Target, Kmart, Home Depot, PF Chang's.....yeah plastic is very safe. :rolleyes:



Agreed. People that I've come across that complain about battery life simply don't want to charge their device at all, not even at night while they're sleeping.

I've had my credit card compromised at 3 of the merchants you listed.
My CC has been replaced 3 times in the last 18 months or so.
Soooo looking forward to Apple Pay!
Score: 4 Votes (Like | Disagree)
DotCom2 Avatar
145 months ago
Swiping a credit card at a terminal has been such a pain for so many decades.
Not.

That plastic card is just too much of an inconvenience to carry around and use.
Not.

Apple pay clearly will make purchasing so much easier, safer and better.
Not.

Apple pay is a solution looking for a problem.
Is.

Oh my phone batt died & my credit card is at home. I guess I'm screwed.
Are.
Retailers ger hacked and steal your info.
Yes

Apple Pay
No
Score: 4 Votes (Like | Disagree)