Apple Ppay set to come and conquer the mobile payment world

Apple is said to be gearing its employees on how Apple Pay payments infrastruckture will work as it is nearing its launch. Apple Pay is Apple's first attempt into the emerging world of mobile payments. By using an iPhone 6 enabled with near-field communications, or NFC, and your stored credit or debit card information, you'll be able to pay for items with your phone at any store or merchant that supports the technology. Apple Pay is already supported by more 220,000 retailers, according to Apple.


Users can set up Apple Pay through the Passbook app either during the initial iOS 8 setup or via a new Settings section called Passbook & Apple Pay. You can add your credit or debit card details to Passbook through your iTunes account or by scanning in the information using your phone's camera. It is predicted that you'd be able to store up to eight credit and/or debit cards inside your passbook.

Together, Passbook and Apple Pay will be able to keep track of your purchases and other information. You'll be able to view your recent transactions, see your credit card number and unique device account number and contact your bank directly. The service will also offer a quick way to download an accompanying App Store app and give you an option to receive push notifications.

And here's one handy option. If your credit card expires, you don't need to update it on your phone. The card will automatically get updated through your credit card company, and you'll even be told via a push notification that it's been updated, according to the training material.

But what about security? Receipts for any items you buy via Apple Pay will not show your contact details or credit card number but only the last four digits of your iPhone's unique Apple Pay ID. As described by Apple, the Apple Pay ID is a number unique to your device that is assigned, encrypted and securely stored in a dedicated chip on your iPhone.

And where do you turn if you run into trouble paying for a product through Apple ID? Well, it depends on the problem. You can first head over to your local Apple Store where employees can use special software to see if the issue is with the hardware. If not, you'll likely need to to contact your bank or credit card issuer to see if the problem rests on that side of the fence.