Apple Pay Launches in Canada With American Express, Australia Later This Week

Apple Pay is now available in Canada exclusively for American Express customers, allowing newer iPhone and Apple Watch owners to make contactless payments at stores like Indigo, McDonald's, Sport Chek, Tim Hortons and others that have NFC-equipped payment terminals and accept American Express.

Apple Pay Canada

Apple Pay is now live in Canada on iOS 9.1 (Image: Twitter/Bryan)

Apple Pay should now be live in the Wallet app on iOS 9.1 for Canadian users. American Express cards can be scanned or added manually by tapping the "Add Credit or Debit Card" option.

American Express, an independent credit card issuer in Canada, is not nearly as popular or widely accepted as MasterCard or Visa credit cards in the country, and Apple notes that bank-issued American Express cards like those in partnership with Scotiabank are not accepted at launch.

Apple has reportedly been in talks with six large Canadian banks about launching Apple Pay north of the U.S. border, including the Royal Bank of Canada, TD Canada Trust, Scotiabank, Bank of Montreal, CIBC and National Bank of Canada, but negotiations have reportedly been dragging.

TD Canada Trust prematurely leaked an Apple Pay splash page last month, suggesting that Canadian banks may eventually support the mobile payments platform. High interchange fees and potential security issues have reportedly been sticking points in negotiations between Apple and banks.

Canada has been well prepared for Apple Pay, as many retailers and businesses across the country are equipped with NFC payment terminals required for contactless payments. The country was one of the earlier adopters of Chip-and-PIN debit and credit cards that can be tapped against a payment terminal when making a purchase, and Apple Pay is a natural extension of that functionality.

Canada's largest credit and debit card payment processor Moneris announced Apple Pay support for American Express cards earlier today.

Apple Pay launched in the U.S. in October 2014 and expanded to the U.K. last July, making Canada the third country with support for the service. Beyond Canada, Apple is also partnering with American Express to bring Apple Pay to four additional markets by the end of 2016.

Apple has confirmed with the Financial Post that Apple Pay will support American Express in Australia later this week, with AMEX customer service representatives suggesting a tentative November 19 launch date. Apple Pay will launch with American Express in Spain, Singapore and Hong Kong next year.

Update: Apple has published a list of Apple Pay participating retailers and apps on its Apple Pay page in Canada. Notable stores include Apple, Indigo, McDonald's, Petro Canada, Staples and Tim Hortons.

Related Roundup: Apple Pay

Top Rated Comments

gcooldude86 Avatar
66 months ago
Come on MC and VISA!
Score: 7 Votes (Like | Disagree)
newdeal Avatar
66 months ago

Which means pretty much everywhere in Canada.

yeah everywhere has NFC for the most part but not everywhere takes Amex. Also Walmart and Home Depot for sure still don't have NFC I am pretty sure which are two stand outs at being late to the party on that
Score: 7 Votes (Like | Disagree)
JeffyTheQuik Avatar
66 months ago

Apple Pay is now available in Canada exclusively for American Express customers, allowing newer iPhone and Apple Watch owners to make contactless payments at stores like Indigo, McDonald's, Sport Chek, Tim Hortons and others that have NFC-equipped payment terminals.

Which means pretty much everywhere in Canada.
Score: 6 Votes (Like | Disagree)
walexx Avatar
66 months ago
Woooohooo only a day to wait for the Aussies (its already 18Nov here). This is really good news for Australians. For years Ive been using my AMEX as my main card for everything so to have Apple Pay is perfect for me. Amex is accepted almost everywhere in Australia and we have been using contactless payments for years and years so we are very well set up for this technology.

Lets hope CBA, Westpac, NAB and ANZ get their act together soon, but for now this is great news for us Aussies.
Score: 6 Votes (Like | Disagree)
Corrode Avatar
66 months ago
Yayyyyyyyyy. FINALLY. This will light a fire under the banks to offer it as well. I bet a lot of people sign up for their first Amex today.
Score: 6 Votes (Like | Disagree)
ptb42 Avatar
66 months ago

I think you have your facts wrong my friend!

Says the poster who gets almost every one of his "facts" wrong.

It is Apple that is greedy. Why should the banks pay the Apple tax when the banks already have chipped cards.

Apple Pay is not just "chipped cards". It's not even "just NFC". It's the first implementation of an new specification from the EMV consortium that uses tokenization to eliminate the need to exchange the actual account number during an authorization or reconciliation. There are also other additional security features that protect the card holder, the merchant, and the bank -- and all exceed the security features of the chip, alone.

If you think pulling out your phone is easier than pulling out a chipped card, then feel free to pay the 1% fee Apple charges the banks for Apple Pay.

In the US, Apple's fee is reportedly 15 cents per $100. This has been posted multiple times in this thread. If implemented properly, the EMV tokenization eliminates an entire class of credit card fraud and will likely be a net gain for the bank.

But in any event, the fee is paid by the bank. It's not paid directly by the cardholder, although if it eventually becomes an additional net cost increase for the bank, it will be paid by all of the bank's customers and shareholders.
Score: 4 Votes (Like | Disagree)

Top Stories

0 Deals Hero

Black Friday 2020: Best Apple Deals to Plan For

Saturday November 21, 2020 10:00 am PST by
In the lead-up to Black Friday next week, we've been putting a spotlight on the best deals coming from various retailers like Best Buy and Walmart. In an effort to further prepare our readers for the best Black Friday deals, we're breaking down what we think should be on your radar for Black Friday in 2020. Note: MacRumors is an affiliate partner with some of these vendors. When you click a...
m1 mac mini vignette

Apple Lists M1-Based Mac Mini Logic Boards With 10 Gigabit Ethernet in Internal Parts Ordering System

Friday November 20, 2020 9:32 am PST by
While the new Mac mini with the M1 chip is only available with Gigabit Ethernet, Apple has listed multiple M1-based Mac mini logic boards with 10 Gigabit Ethernet in an internal parts list for Apple Authorized Service Providers. For every Mac mini logic board with Gigabit Ethernet in the parts list, obtained by MacRumors, there is a corresponding logic board with 10 Gigabit Ethernet:...
new m1 chip

Craig Federighi: Native Windows on M1 Macs is 'Really up to Microsoft'

Friday November 20, 2020 11:57 am PST by
Following the release of the M1 Macs Apple executives have been doing interviews with a range of publications, and today, Ars Technica published another interview with software engineering chief Craig Federighi, hardware technologies lead Johny Srouji, and marketing VP Greg Joswiak. Much of the interview focuses on topics that the three have already covered in prior discussions, but there is ...
14

Apple Releases iOS 14.2.1 With Fix for Text Message Bug and iPhone 12 Mini Lock Screen Issues

Thursday November 19, 2020 10:16 am PST by
Apple today released iOS 14.2.1, a bug fix update that comes two weeks after the launch of iOS 14.2 and is available for Apple's new iPhone 12 models. The iOS 14.2.1 update can be downloaded for free and it is available on all eligible devices over-the-air in the Settings app. To access the new software, go to Settings > General > Software Update. According to Apple's release notes, iOS...
Walmart November Deals Hero

Black Friday Spotlight: Walmart Will Have AirPods Pro Down to Lowest Price of $169, and More Apple Deals

Thursday November 19, 2020 8:05 am PST by
We've been tracking early Black Friday deals in our dedicated Black Friday Roundup, and in an effort to prepare our readers for the big shopping event we're highlighting sales store-by-store in the lead-up to November 27. 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 keep the site running. Next ...
apple leather sleeve

Leather Sleeve for iPhone 12 Models Now Available From Apple

Friday November 20, 2020 12:16 pm PST by
Apple today began selling the Leather Sleeve for the new iPhone 12 models, with the accessory having first been announced alongside the updated iPhones in October. Priced at $129, the Leather Sleeve is not a case and is designed to be removed when the iPhone is in use. It features a cutout at the front that displays the time, and it comes with a matching leather strap. According to Apple, it ...
iOS14AntitrackFacebookSadfeature

Apple Confirms Commitment to App Tracking Transparency in Letter Condemning Facebook's Data Collection [Updated]

Thursday November 19, 2020 11:58 am PST by
Apple in iOS 14 is planning to introduce a new App Tracking Transparency feature that will let users know when companies want to track them across apps and website. Following outcry from developers like Facebook and ad networks unprepared for the change, Apple delayed the implementation of the anti-tracking functionality until early 2021. Eight civil society organizations recently sent a...
maxresdefault

CrossOver Allows x86 Windows Apps to Run on Apple M1 Macs

Wednesday November 18, 2020 6:07 pm PST by
Codeweavers posted a blog post and video tonight showing off CrossOver running on an Apple M1 MacBook Air. This video shows Team Fortress 2 running on a new M1 MacBook Air: CrossOver is software (based on Wine Project) that runs Microsoft Windows apps on the Mac by translating Windows APIs into their Mac equivalents. The Codeweavers team was able to run the current version of CrossOver on...
macbookpro13large

Apple Offers Instructions on What to Do if macOS Big Sur Causes Installation Errors on 2013 and 2014 MacBook Pro

Thursday November 19, 2020 6:12 pm PST by
Following the release of macOS Big Sur last week, a number of 2013 and 2014 MacBook Pro owners found that the update bricked their machines. Affected users saw their Macs get stuck displaying a black screen after attempting to install the new software. Apple has now addressed this issue in a new support document that provides instructions on what to do if macOS Big Sur can't be installed on...
128gb m1 macbook air education cropped

$799 M1 MacBook Air With 128GB Storage for Education Institutions Spotted Online

Friday November 20, 2020 5:15 am PST by
A new configuration of the M1 MacBook Air with 128GB of storage and a lower $799 price has today been spotted on Apple's U.S. Education Institution Hardware and Software Price List. The M1 MacBook Air is only available with 256GB, 512GB, 1TB, or 2TB of storage. There is currently no 128GB configuration on the Apple Store. However, Reddit user "u/dduci97" noticed that Apple has listed...