How to use Apple Pay in five easy steps!

Apple Pay has been around in the UK since July last year and if you are a Barclays customer, you will also be able to access the contactless payment service from now on.

Barclays and Barclaycard users can now use Apple Pay to pay for tickets on the London transportation system as well as transactions in more than 400,000 retail outlets across the UK.

'Since we introduced contactless to the UK in 2007, it's changed the way consumers make everyday purchases by cutting out the hassle of handling cash," said Amer Sajed, Interim chief executive of Barclaycard.

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'With Barclaycard and Barclays bringing Apple Pay to our customers, we can now offer the widest choice of ways to make and take payments in a way that’s most convenient for them,' he added.

Who all can access Apple Pay?

Before striking the deal with Barclays bank recently, Apple struck deals with several major banks in the country for its contactless payment system which is competing with similar services like Android Pay and Samsung Pay. These include Lloyds, Halifax, Bank of Scoland, HSBC, TSB, Tesco Bank, Nationwide, American Express, First Direct, Natwest, RBS and Ulster Bank. At the moment, Apple Pay  is also compatible with high street retailers like Costa Coffee, Starbucks, Waitrose, Nando's, Subway, KFC and many more.

Which Apple devices are compatible with Apple Pay?

To use Apple Pay, you need to own either an Apple Watch, an iPhone 6, iPhone 6 Plus or later models including iPhone SE which went on sale April 1. If you are an iPad user, you can access Apple Pay if your iPad is either an iPad Air 2, iPad Pro or an iPad Mini 3.

However, you will only be able to use Apple Pay on your iPad to authorise app purchases. Your iPad won't work with contactless readers in retail stores as iPads don not contain NFC chips necessary to perform contactless transactions.

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What is the maximum limit for each transaction on Apple Pay?

When Apple Pay launched in the UK, the maximum transaction limit was only £20. However, Apple raised the limit to £30 in September last year which now exceeds the average cost of a supermarket trip in the UK.

As per 9to5Mac, "in the future there will be no transaction limit at all as payment terminals adopt newer standards that allow the fingerprint ID to be used as an additional authentication method. However, new equipment is slow to roll out. Right now, higher-value transactions are only supported at Pret a Manger and Apple stores."

How to use Apple Pay?

Here's a step-wise guideline on how you can use Apple Pay to perform seamless transactions at select retail counters without having to bother about your wallet:

1. iOS 9

To use Apple Pay, make sure that your iPhone or iPad is updated with the latest operating system. Even though iPhones with iOS 9 support Apple Pay, new OS updates bring in new features, security updates and usage enhancements to make it easier for you to use the payment system.

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2. Updating Wallet

Before setting up Apple Pay, you need to add your credit card or debit card details to the Wallet app on your iPhone or iPad. You will also have to ensure that there is a passcode in your device and your Apple ID is signed in to iCloud.

If your card details are already registered with iTunes, you will only need to enter the security code in your credit or debit card.

3. Setting up Apple Pay

Once your card details have been entered, your bank will verify the information and will allow your account to be integrated with Apple Pay. Once your bank has verified the details, you can start using the service.

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4. Using the service

You can only use Apple Pay in stores which have contactless card readers. Once you've decided what to buy, hold the top of your iPhone near the reader with your finger on the Touch ID button.

If you have entered more than one credit or debit card details on the Wallet app, then you can choose the account you wish to pay from. Hold your iPhone near the reader without touching Touch ID and your default card will appear on the screen. If you tap the default card, a list of cards will appear and you can tap the card you wish to pay from.

5. Updating Apple Pay

In settings, you can also make changes like changing your default card, updating card information and add or remove any card information. You can also disable Apple Pay if you lose your iPhone by turning on Lost Mode or erasing your device.

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