Every time you use Apple Pay, Apple issues a one-time payment number and a dynamic security code - both encrypted - to the bank. Instead, Apple Pay creates a “device-only account number” which is stored on your device’s Secure Element chip. Apple doesn’t even actually store your credit card number, nor does it give the number to merchants. It’s worth noting that the Passbook app doesn’t display your card number. Once that magic happens, a generic-looking image of your card appears in your Passbook app. Apple analyzes this image and interacts with your bank to confirm that it indeed belongs to you. When you ask Passbook to load a new card into Apple Pay, it activates your iPhone’s camera and prompts you to snap a photo of your card. Everyone wants to party with Apple, and other banks have signed on since the service’s announcement in September. If your bank isn’t listed here, it still may be a part of the service. If you’re nervous about this newfangled technology, but too tempted to stay away, it might be wise to use a credit instead of a debit card so you won’t be out any cash should things go awry.Ī cadre of cooperating banks were revealed at the service’s unveiling, including Bank of America, Barclays, Capital One, Chase, Citibank, Navy Federal Credit Union, PNC, US Bank, USAA, and Wells Fargo. Upon opening the app to set up Apple Pay, it will ask if you want to use your credit or debit card already on file for iTunes purchases or add a new card.įor those of you who opt not to use your iTunes account, Apple Pay currently works with Visa, Mastercard, and American Express. Not to be confused with iOS 8.0.1, the update that crippled thousands of iPhones in its brief reign of terror, iOS 8.1 includes an array of anticipated features, like Apple Pay and the return of the Camera Roll.įlick to the barren wasteland of your second or third homepage - or wherever else you’ve stuffed Passbook, since like most people, you probably rarely use it. Next, you’ll have to update your iPhone’s operating system to iOS 8.1, due to be released Monday.
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