- Faster Checkout With Apple Pay And Android Pay Online
- Faster Checkout With Apple Pay And Android Payroll
But is Apple Pay the easiest-to-use and most widely available option? How to Set Up Apple Pay. If you have an iPhone 6 or later, you already have Apple Pay. It's baked into iOS as part of the. If you have Apple Pay setup on your iPhone and Apple Watch, here are some tips to make your checkout experience even faster. These may not be new to experienced Apple Pay users, but they are worth sharing with all the newbies out there.
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- Apple Pay works on the iPhone (version 6 or newer), as well as the Apple Watch. To pay with Apple Pay, add any debit or credit card to the Wallet app on your device. When you’re at a store that accepts Apple Pay, hold your iOS device over the payments reader while holding your finger on the Touch ID button.
- 2014: Apple Pay is launched, followed a year later by Android and Samsung Pay. 2020: 90% of smartphone users will have made a mobile payment. At the time of Apple Pay’s release (years following Google’s own Wallet application), Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards’.
You’ve probably heard of Apple Pay, but have you set it up so you can use it to pay for purchases at checkout? If not, give it a try, since it’s one of those living-in-the future Apple technologies that feels like science fiction every time you use it. Simply put your iPhone, iPad, or Apple Watch within an inch or so of a compatible payment terminal (look for an Apple Pay or contactless payment logo), put your finger on the Home button to use Touch ID (or double-press the iPhone X’s side button and authenticate via Face ID, or double-press the Apple Watch’s side button), and you’re done. The entire transaction takes less time than opening your wallet, although you may still need to sign a receipt.
What happens behind the scenes when you use Apple Pay? The good news is that Apple Pay is significantly more secure than a magnetic-strip credit card and has advantages over chip-embedded cards too. First, theft prevention is baked in. A typical thief can’t use Apple Pay from your device because they can’t get past Touch ID or Face ID, or provide your Apple Watch passcode.
Also, the store where you shop gets no data about you—they don’t know who you are, where you live, what your card number is, or anything else unless you showed a rewards card or provided your phone number. Most importantly, you don’t have to worry about your credit card number being jotted down, scanned, or skimmed.
How does this seemingly magical process work? When you set up Apple Pay, the Wallet app sends your encrypted credit card details to Apple, after which they’re passed along to your card’s payment network. What comes back is an encrypted Device Account Number—a long number that’s stored in the Secure Enclave chip on your device. That chip is protected by a digital moat, keeping it isolated from nearly all activity on your device. The Device Account Number is unique to your device and card, so nobody else can use it.
When you pay with Apple Pay, the Secure Enclave chip transmits the Device Account Number, along with a few other details, including a one-time transaction code. Everything is encrypted, so even if an attacker were listening to the traffic, no transaction details would be revealed. The information remains encrypted until it reaches the appropriate party, at which point, if all goes well, your transaction is approved and processed.
Millions of payment terminals in the United States accept Apple Pay, including those found in most major national chains, so you shouldn’t have to look far to find one. You can also use Apple Pay in some iOS apps and some Web-based shopping carts when checking out in Safari.
To set up Apple Pay, on your iPhone or iPad, tap Settings > Wallet & Apple Pay > Add Credit or Debit Card and follow the easy instructions—it’s fine to let the device scan your card so that you don’t have to type your credit card number; the image is discarded immediately after setup.
After adding a card, find it in the Wallet app and tap the card’s info button at the lower right to explore the Info and Transactions screens. Notice that four digits from the card’s Digital Account Number appear on the Info screen—if you want to return an Apple Pay purchase, you’ll give these digits to the merchant instead of sharing your credit card number.
Finally, starting in iOS 11.2, Apple introduced Apple Pay Cash, which lets you make person-to-person payments within the Messages app. It’s great for splitting restaurant checks!
The bottom line is that Apple Pay is easy to use, preserves your privacy, and enhances your financial security. And you get to feel like you’re living in the future!
It’s time to try a faster, easier and secure way to pay.
Use your digital wallet online,
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Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Sequences shortened. Screen images simulated.
or on the go for a fast, easy, and secure way to pay. Here’s how it works...
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Faster Checkout With Apple Pay And Android Pay Online
Get started
First, you’ll need to add your Bank of America credit or debit card to your digital wallet.
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Apple, Google Pay, Samsung Pay
Open the digital wallet app on your phone to follow the simple steps. OR, for an even easier way to add your card, open our Mobile Banking app, tap “Menu,” and select “Manage Debit/Credit Card.” Then tap “Digital Wallets.”
Choose a wallet that works for your phone, and follow the easy steps to add your card.
Now that your card is in your digital wallet, it can be used for secure payments, and can’t be used for a payment without your authentication. So, your information is protected, even if your phone is lost or stolen.
And when you make a payment using your digital wallet, your card number will NOT be shared with the seller.
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Making Payments
Faster Checkout With Apple Pay And Android Payroll
Now you’re ready to pay!
Use your wallet to pay on the go wherever you see the contactless symbol by holding your phone up to the symbol on the terminal.
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Shopping online or in-app
You can also use it when shopping online or within an app. Just look for the digital wallet logo at checkout!
Now you can use your phone to make secure payments, at your favorite places to shop, faster and easier than ever with your digital wallet.
Add your card today.
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bankofamerica.com/Ways2Pay
Disclosure:
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Sequences shortened. Screen images simulated.
Android, Google Play and Google Pay is a trademark of Google LLC.
Apple, Apple Pay, Apple Watch, the Apple logo, Face ID, iPad, iPhone, Mac and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. For a list of compatible Apple Pay devices, see support.apple.com/km207105.
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
This credit card program is issued and administered by Bank of America, N.A. Deposit products and services are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, the Bank of America logo and “What would you like the power to do?” are registered trademarks of Bank of America Corporation. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with, the credit card programs.
Bank of America, N.A. Member FDIC. © Bank of America Corporation. 28709652