Mobile payments are about to become a lot easier and a lot more secure, thanks to the newly announced Apple Pay on the iPhone 6 and iPhone 6 Plus. Simply point your NFC equipped iPhone at the credit card machine, and with the app open, verify the purchase with your fingerprint. BOOM!
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How to use Apple Pay on the iPhone 6 [VIDEO DEMO]

Pay with iPhone 6

Mobile payments are about to become a lot easier and a lot more secure, thanks to the newly announced Apple Pay on the iPhone 6 and iPhone 6 Plus. Simply point your NFC equipped iPhone at the credit card machine, and with the app open, verify the purchase with your fingerprint. BOOM! Your payment will process, you’ll be immediately notified, and sent on your way.

Here is an Apple Pay demo showing the new service in action:

I know you’ve got some burning questions… and I know exactly what they are so allow me to answer them for you.

Where can you use Apple Pay?
220,000 stores and counting (starting October 2014), including all of the following:

  • BabiesRUs
  • Bloomingdales
  • Disney Store
  • Duane Reade
  • Macy’s
  • McDonald’s
  • Nike
  • Petco
  • Staples
  • Subway
  • ToysRUs
  • Unleashed
  • Walgreen’s
  • Walt Disney (Parks and Resorts)
  • Whole Foods

What credit cards and banks work with Apple Pay?
Visa, MasterCard, and American Express all allow Apple Pay as do the following banks:

  • Bank of America
  • Barclay Card
  • Capital One
  • Chase
  • Citi
  • Navy Federal Credit Union
  • PNC
  • USAA
  • US Bank
  • Wells Fargo

You can also use Apple Pay for in-app purchases.
It will take some time for developers to add Apple Pay support to their apps, but right off the bat you’ll be able to make in-app purchase from the following:

  • Groupon
  • Instacart
  • MLB.com
  • OpenTable
  • Panera Bread
  • Sephora
  • Starbucks
  • Target
  • Tickets.com
  • Uber

Will Apple Pay work with the iPhone 5S?
No. Although the iPhone 5S was the first to have a fingerprint scanner it does not have an NFC chip which is required to make these mobile payments. However, the Apple Watch can pair with the iPhone 5S (and 5C and 5 as well), and because the watch has an NFC chip it will be work when these devices are paired.

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Is Apple Pay Secure?
This is an interesting question, and actually, Apple Pay is probably MORE secure than most other forms of payment- including carrying around an actual wallet. Perhaps Apple explains it best:

Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared with merchants or transmitted with payment.

And should someone steal your phone, you can remotely lock purchase capabilities using Find My iPhone, which means having to cancel credit cards could become a thing of the past.

Setup is quick and easy and you can store as many different cards as  you want: sounds pretty awesome, does it not? That’s what we thought, too, as did Tim Cook and all the attendees at the Apple Pay announcement. See for yourself and watch the Apple Pay announcement below, courtesy of CNET:

Are you eager to snag the iPhone 6 or 6 Plus so you can start using Apple Pay?

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