How to use and Setup Apple Pay?

Apple Pay has launched in the UK, allowing iPhone and Apple Watch owners to use their devices to contactlessly pay for products and services, as well as travel on Transport for London’s (TfL) Tube, bus and rail network.

Here’s how to set up the new system and get started making contactless transactions and in-app purchases.

You will need:

  • iPhone 6 or iPhone 6 Plus
  • iPad Air 2 or iPad mini 3 (for making in-app purchases only)
  • Apple Watch paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus
  • Your iPhone needs to be running iOS 8.3 or above (update your systemhere)
  • To have registered your fingerprint with Touch ID
  • An iCloud account
  • A credit or debit card from a supporting bank
  • Make sure your device’s region is set to the United Kingdom

Which banks are supporting Apple Pay at launch?

  • NatWest
  • Nationwide Building Society
  • Royal Bank of Scotland
  • Santander
  • Ulster Bank
  • MBNA

HSBC and first direct will begin supporting the system later in July. Bank of Scotland, Halifax, Lloyds Bank, M&S Bank and TSB Bank will be added later in the autumn.

How to set up Apple Pay on your iPhone / iPad

1. Open Passbook if you’re using an iPhone for set up, or for an iPad go to Settings > Passbook & Apple Pay.

2. Add a debit or credit card by tapping the plus icon in the upper right hand corner [on iPhone] or select Add Credit or Debit Card on iPad.

3. If the card you want to register is already linked with your iTunes account, you’ll be prompted to enter its security code.

4. If the card is not associated with the account, you can add it quickly to Passbook using the camera function. You will be required to add the security code on the card’s rear.

5. Select Next to send the information to your bank, which will verify your data.

6. Select Next once more when the bank has approved your information, and you’re ready to start using it.

Where can I use Apple Pay?

More than 250,000 shops across the UK will be accepting Apple Pay, some of which will be displaying decal stickers on the POS terminals. Basically, anywhere which accepts contactless card payment is able to support Apple Pay.

Both Pret and Bill’s will be accepting limitless at launch, meaning the retailer has upgrading their terminals’ software to accept Apple Pay payments higher than the current £20 for contactless card transactions. Though this limit is set to rise to £30 in September, if a merchant uses an upgraded card reader Apple Pay can be used to pay for a transaction of any value.

• Lidl
• M&S
• Post Office
• Liberty
• McDonalds
• Le Pain Quotidien
• Bill’s
• Boots
• Costa
• Waitrose
• Pret
• BP
• Subway
• Wagamama
• Spar
• KFC
• Nando’s
• Starbucks

Other retailers which have committed to supporting Apple Pay later in the year

• New Look
• Wilko
• Screwfix
• EAT
• Costcutter
• Five Guys
• Dune
• JD Sports

How do I use it on iPhone?

To make a payment in-store, simply hold your iPhone to the card reader with your registered finger or thumb resting on the home button and Passbook will automatically launch as it approaches. Your phone will then vibrate and make a pinging noise to let you know the payment has been received, and a tick with the legend Done will appear onscreen.

How do I use it on Apple Watch?

You can store different cards on your Apple Watch to those on your iPhone – they are treated as separate devices and can thus be used independently of each other. You register cards to your Apple Watch under the Apple Watch app on the paired iPhone.

To make a payment, double-click the side button to summon up your default card. Then simply hold it to the card reader to make the payment, and it too vibrates and makes a pinging sound.

How can I use it on the Tube?

Using Apple Pay to travel around via TfL is very similar to making an in-store payment – approaching the Oyster card reader with your iPhone and completed fingerprint scan or double-clicked Apple Watch will let you pass through the Oyster gate or onto the bus and make the payment.

How do I change my default card?

  1. The first card you add to Apple Pay is automatically the default. To change it, open Settings > Passbook & Apple Pay
  2. Select Default Card > select the new card as your preferred default.

How can I make in-app purchases?

You can make in-app purchases on Apple Pay using both your iPhone or iPad.

  1. Once you’ve selected what you want to buy, select Buy with Apple Pay / the Apple Pay button
  2. Enter additional delivery details, which will be remembered
  3. Place your finger or thumb on the Touch ID button to complete the payment

 

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