Apple Pay

Last updated

Apple Pay
Developer(s) Apple Inc.
Initial releaseOctober 20, 2014;10 years ago (2014-10-20)
Operating system iOS 8.1 or later
(iOS 10 or later for Apple Pay on the web)
(iOS 11.2 or later for Apple Cash)
All watchOS versions
macOS Sierra or later
All visionOS versions
Platform
License Proprietary
Website apple.com/apple-pay

Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. Supported on iPhone, Apple Watch, iPad, Mac, and Vision Pro, Apple Pay digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay–specific contactless payment terminals; it can work with any merchant that accepts contactless payments. [1] It adds two-factor authentication via Touch ID, Face ID, Optic ID, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.

Contents

Apple Pay can also be used to ride some public transport networks [2] either through the use of credit/debit cards (open loop) (for example across TfL in London, SL in Stockholm, and at OMNY readers across New York City's subway and city buses in Laval, with the STL and bus network) or dedicated travel cards such as JR East's Suica, the Chicago Transit Authority's Ventra, the San Francisco Bay Area's Clipper (closed loop) and Hong Kong's Octopus Card.

Service

Device compatibility

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and Apple Watch Series 1 and later. In iOS 17 or later, the number of cards able to be added to the service is determined by the capacity of the secure element, which varies by device.

Technology

Apple Pay acceptance mark Apple Pay Acceptance Mark.svg
Apple Pay acceptance mark

Apple Pay uses the EMV Payment Tokenization Specification. [3]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [...] generated for each transaction". [4] The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service. [4]

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID, [4] [5] or passcode, [5] whereas Apple Watch users authenticate by double-clicking a button on an unlocked device. [6] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID. [4] Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the fund transfer between counter-parties is not immediate. [7] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a card which stores the user's balance on the card itself, such as a Japanese Suica card or a Hong Kong Octopus card. These cards can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £100 (previously £45 until 14 October 2021) [8] as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below). [9] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service. [4] Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit. [10] Financial Times reported that Apple receives 0.15% cut of US purchases made with the service, [11] but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015. [12] [13] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, and in addition the bank pays 45 rubles a year for each card added in the service. [14]

Apple is ending its in-house "buy now, pay later" service in the US, shifting to third-party lenders for instalment plans. Existing users can still manage payments via the Wallet app. Apple will partner with banks such as Citi, HSBC, and ANZ to offer these options in the upcoming iOS 18. [15]

Consumer Device Cardholder Verification Method (CDCVM)

In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID, or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a 'no verification contactless limit' using contactless cards (such as the £100 limit in the United Kingdom, the C$100 limit in Canada and the 300SAR limit in Saudi Arabia), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated to support the latest network contactless specifications. [16]

Global acceptance

About two-thirds of merchants accept contactless payments. [17] Due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some known examples include:

Apple Cash

Apple Cash, formerly Apple Pay Cash, is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Apple Pay. Prior to April 2022, the Apple Cash Card was provisioned as a Discover contactless debit card. Apple Cash device account numbers currently are issued/reissued on the Visa payment network, ensuring a larger acceptance for the Apple Cash card at more merchants.

Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. [18] [19]

Since 2017, Apple Cash has been operated by Green Dot Corporation under the name "Green Dot Bank" and is available only for U.S. citizens or residents, 18 or older, with a physical residential address in the United States. [20]

Cost

Apple Pay does not cause additional fees for users and merchants. In Switzerland, for example, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (US$0.26) quarterly on every card to Apple. Additionally, they paid 0.12% for credit card transactions, and 0.17% for web or app based transactions. Swiss antitrust authorities require that an acquirer pays maximum 0.44% of the transaction amount to the issuer. The competition commission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers' income earned from the acquirer. [21] [22] [23] [24] [25]

History

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments. [4] Apple partnered with American Express, Mastercard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information. [10] A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration. [26] Mastercard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments". [26] The announcement of the service came at a time when Mastercard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems. [4] Apple then approached several big banks in mid-2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement. [10]

The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface", "exposed numbers", and insecure "security codes". [4] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices. [4] [6] [27] The company announced an API for app developers to build Apple Pay checkout into their apps. [4]

The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015. [28] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China, [29] and Chinese users could start to use Apple Pay on February 18, 2016. [30]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016. [31]

Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website [32] detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported. [32] [33] Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs. [34]

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan. [35] [36] [37]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard. [38]

In June 2024, it was announced that online Apple Pay purchases would be able to be initiated from third party devices. Users will be provided with a code they must scan with an iPhone running iOS 18 or later to complete the transaction. [39]

United States

In 2022, Apple faced a class action lawsuit from Affinity Credit Union that claimed Apple engaged in anti-competitive conduct to privilege Apple Pay by limiting users' ability to use alternate payment options. [40] A federal judge allowed the lawsuit to go forward in an October 2023 decision. [41]

In 2023, the Consumer Financial Protection Bureau (CFPB) began rulemaking on a proposal that would make Apple Pay and other digital payments services subject to bank-like oversight. [42] The rule was finalized in November 2024, and applies to six other non-bank services, including those provided by Google and Amazon. [43] In 2024, the Department of Justice (DOJ) launched a broad antitrust suit against Apple; among other claims, the suit alleges that Apple has used anti-competitive practices to boost Apple Pay at the expense of rival payment platforms. [44]

Europe

In June 2020, it was announced that the European Commission (EC) will take two probes against Apple, one focused on Apple Pay. According to EC, Apple was abusing its control of its payment wallet by blocking third-party payment access to the NFC hardware that enabled contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a cause of the increased number of people using contactless paying. [45]

Availability

Supported countries

Global card support of Apple Pay .mw-parser-output .legend{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .legend-color{display:inline-block;min-width:1.25em;height:1.25em;line-height:1.25;margin:1px 0;text-align:center;border:1px solid black;background-color:transparent;color:black}.mw-parser-output .legend-text{} Available Suspended Apple Pay Availability.png
Global card support of Apple Pay
  Available
  Suspended

Apple Pay can be used with any EMV contactless terminal globally as long as the customer is using a supported card. At least one issuer in each of the following 90 countries and territories issues such cards. [46]

Date launchedSupport for payment cards issued in
October 20, 2014Flag of the United States.svg  United States
(except Flag of Puerto Rico.svg  Puerto Rico & other unincorporated territories)
July 14, 2015Flag of the United Kingdom.svg  United Kingdom
(except British Overseas Territories)
November 17, 2015Flag of Canada (Pantone).svg  Canada
November 19, 2015Flag of Australia (converted).svg  Australia
February 18, 2016Flag of the People's Republic of China.svg  China (in-app and online payments only)
April 19, 2016Flag of Singapore.svg  Singapore
July 7, 2016Flag of Switzerland (Pantone).svg   Switzerland
July 19, 2016Flag of France.svg  France
Flag of Monaco.svg  Monaco
July 20, 2016Flag of Hong Kong.svg  Hong Kong
October 4, 2016Flag of Russia.svg  Russia (Suspended on March 25, 2022) [note 1]
October 13, 2016Flag of New Zealand.svg  New Zealand
October 25, 2016Flag of Japan.svg  Japan
December 1, 2016Flag of Spain.svg  Spain
March 7, 2017Flag of Guernsey.svg  Guernsey
Flag of Ireland.svg  Ireland
Flag of the Isle of Man.svg  Isle of Man
Flag of Jersey.svg  Jersey
March 29, 2017Flag of the Republic of China.svg  Taiwan
May 17, 2017Flag of Italy.svg  Italy
Flag of San Marino.svg  San Marino
Flag of Vatican City (2023-present).svg  Vatican City
October 24, 2017Flag of Denmark.svg  Denmark
Flag of Greenland.svg  Greenland
Flag of Finland.svg  Finland
Flag of Sweden.svg  Sweden
Flag of the United Arab Emirates.svg  United Arab Emirates
April 4, 2018Flag of Brazil.svg  Brazil
May 17, 2018Flag of Ukraine.svg  Ukraine
June 19, 2018Flag of Poland.svg  Poland
June 20, 2018Flag of Norway.svg  Norway
November 28, 2018Flag of Kazakhstan.svg  Kazakhstan
Flag of Belgium (civil).svg  Belgium
December 11, 2018Flag of Germany.svg  Germany
February 19, 2019Flag of the Czech Republic.svg  Czech Republic
Flag of Saudi Arabia.svg  Saudi Arabia
April 24, 2019Flag of Austria.svg  Austria
May 8, 2019Flag of Iceland.svg  Iceland
May 21, 2019Flag of Hungary.svg  Hungary
Flag of Luxembourg.svg  Luxembourg
June 11, 2019Flag of the Netherlands.svg  Netherlands
June 26, 2019Flag of Europe.svg  European Union (All Parts)
Flag of Bulgaria.svg  Bulgaria
Flag of Croatia.svg  Croatia
Flag of Cyprus.svg  Cyprus
(except Flag of the Turkish Republic of Northern Cyprus.svg  Northern Cyprus )
Flag of Estonia.svg  Estonia
Flag of Greece.svg  Greece
Flag of Latvia.svg  Latvia
Flag of Liechtenstein.svg  Liechtenstein
Flag of Lithuania.svg  Lithuania
Flag of Malta.svg  Malta
Flag of Portugal.svg  Portugal
Flag of Romania.svg  Romania
Flag of Slovakia.svg  Slovakia
Flag of Slovenia.svg  Slovenia
July 2, 2019Flag of the Faroe Islands.svg  Faroe Islands
August 6, 2019Flag of Macau.svg  Macau
September 3, 2019Flag of Georgia.svg  Georgia
November 19, 2019Flag of Belarus.svg  Belarus
January 28, 2020Flag of Montenegro.svg  Montenegro
June 30, 2020Flag of Serbia.svg  Serbia
February 23, 2021Flag of Mexico.svg  Mexico
March 30, 2021Flag of South Africa.svg  South Africa
May 5, 2021Flag of Israel.svg  Israel
August 17, 2021Flag of Qatar.svg  Qatar
October 5, 2021Flag of Bahrain.svg  Bahrain
Flag of Palestine.svg  Palestine
November 2, 2021Flag of Azerbaijan.svg  Azerbaijan
Flag of Colombia.svg  Colombia
Flag of Costa Rica.svg Costa Rica
January 18, 2022 Flag of Armenia.svg Armenia
March 15, 2022Flag of Argentina.svg  Argentina
Flag of Peru.svg  Peru [49]
April 5, 2022Flag of Moldova.svg  Moldova
August 9, 2022Flag of Malaysia.svg  Malaysia
December 6, 2022Flag of Kuwait.svg  Kuwait
Flag of Jordan.svg  Jordan
March 21, 2023Flag of South Korea.svg  South Korea
May 2, 2023Flag of El Salvador.svg  El Salvador
Flag of Guatemala.svg  Guatemala
May 16, 2023Flag of Panama.svg  Panama
Flag of Honduras.svg  Honduras
July 18, 2023Flag of Morocco.svg  Morocco
August 8, 2023Flag of Chile.svg  Chile
Flag of Vietnam.svg  Vietnam
April 16, 2024Flag of Ecuador.svg  Ecuador
August 6, 2024Flag of the Dominican Republic.svg  Dominican Republic
September 24, 2024Flag of Oman.svg  Oman [50]
November 5, 2024Flag of Paraguay.svg  Paraguay [51]
December 3, 2024Flag of Uruguay.svg  Uruguay
December 10, 2024Flag of Egypt.svg  Egypt
Flag of Mongolia.svg  Mongolia [52]

Supported payment networks and card schemes

Upcoming

Reception

Reviews

Journalists in the United States noted that the multiple previously unsuccessful efforts of other retailers to build mobile payments services, [4] [26] including those of PayPal, Walmart, Target, [4] Google Wallet, and Softcard. [26] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did. [4] The Verge 's Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea". [4] The Verge's Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement". He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry. [26] Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment". [10] Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks. [10]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted. [85] [86] The Verge's Nilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience". [85] Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations. [85] The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded. [86]

In a 2018 publication released by Consumer Reports , Apple Pay Cash was the leading peer-to-peer payment service. [87]

Adoption

Paying for coffee with Square's contactless + chip reader Apple-payment-square.jpg
Paying for coffee with Square's contactless + chip reader

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability, [88] making it the largest mobile payment system in the United States at the time. [89] There were 220,000 participating vendors when it launched. [90] [91] [92] [93]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was starting a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy, Walmart, and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC, [10] [94] [95] although due to the exclusivity period ending in August 2015, Rite Aid started to accept it August 15, 2015. [96] [97] Both CVS and Best Buy started to accept Apple Pay at all stores starting in October 2015. [98] [99] CurrentC ended in March 2017. [100]

Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX. [101] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its stores in the United States. [102]

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant. [103] [104] [105] [106]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once. [107] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website. [108]

On June 2, 2016, according to Fortune , Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015. [109]

With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide. [110]

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments. [111]

Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay. [112]

On September 7, 2016, Wayfair announced that they will support Apple Pay online. [113]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses. [114]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service. [115]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways. [116]

On August 21, 2019, and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses. [117]

In February 2020, Apple Pay accounted for 5% of global card transactions. [118] On April 4, 2020, Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19. [119]

Explanatory notes

  1. ↑ As of March 2022, Apple disabled Apple Pay for Mastercard and Visa in Russia until further notice because of sanctions imposed for the 2022 Russian invasion of Ukraine and due to financial uncertainty in Russia. [47] Mir was later disabled on March 26, 2022. [48]

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References

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