Apple released iOS 8.1 earlier this week. Not only will the latest update address bug fixes--it will also finally bring several much anticipated features to the iPhone that were first introduced at the iPhone and Watch event last month. In addition to new features like SMS Relay and Instant Hotspot, one of the main attractions was Pay .
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Apple Pay launches with iOS 8.1–here’s how to set it up and use it today on your iPhone 6 & iPhone 6 Plus

Pay with iPhone 6

Apple released iOS 8.1 earlier this week.  Not only will the latest update address bug fixes–it will also finally bring several much anticipated features to the iPhone that were first introduced at the iPhone and Apple Watch event last month.  In addition to new features like SMS Relay and Instant Hotspot, one of the main attractions was Apple Pay .  Eddie Cue explained Apple’s ambitious plan to revolutionize the mobile payment system, and bring their traditional “ease of use” philosophy to yet another technology that hasn’t reached its full potential.

Adding a Credit Card to Apple Pay

The first step in setting up Apple Pay is to add your first credit card.  IF you already have a credit card saved for your iTunes account, this card will be available as your default card, and you will only need to confirm the 3-digit security code on the back of the card to add it as an available payment option.  To add any additional cards, go to Settings–>Passbook & Apple Pay–>Add Credit or Debit Card.  At this point you will have the option to add your card manually, or by using your camera to take a picture of your card.

Apple-Pay-Add-CreditCard

To add additional debit or credit cards, simply repeat the process for each new card you want to have available in Apple Pay.  Once more than one card is added to your Passbook account, you can choose your card in addition to other “Transaction Defaults” including your billing and shipping address, email account and your phone number.

Verifying your Apple Pay account

Once you add a card it is then verified–which, in my experience, takes less than 30 seconds.  Some have reported additional steps to verify their accounts with their bank. However, I did not have to take any of these additional steps.  All of your cards are stored in Passbook, where you will be able to quickly sort through, and/or choose your card of choice to use for payment.

Pay_Setup-payment

Making a purchase with Apple Pay

Included in the information for each credit card in Apple Pay, is a list of recent transactions you have made.  In addition, this is also where you can remove a card from  Apple Pay.  All this can be set up within minutes.  Making a purchase with your iPhone 6 or iPhone 6 Plus is as easy as holding your phone near a compatible NFC terminal with a finger on Touch ID as shown below by YouTube user, lumbjoh.

 

 

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  • I think Apple is one of the most efficient way to pay, but the problem is not every businesses will support this feature. Some are already disabling NFC based payment system.