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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. Non US citizens just need a passport and U.S. Visa. For a full list of required docs please click Link sable with google pay, samsung pay, apple pay. Apple Pay® lets you enjoy the great features, rewards and benefits of your MidFirst Bank Debit and Credit Card, with the added security and convenience of.

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Will Using a Digital Wallet Cost You in Credit Card Rewards?

You may have reasons for not using a digital wallet, but one thing you don't need to worry about is your ability to earn credit card rewards that way.

Years ago — when these cardless, contactless payment systems were still an emerging technology and not in widespread use — some problems did exist. But these days, it makes little to no difference whether you swipe, dip, opt for PayPal, or hold your phone over the payment terminal. In most cases, you'll get the cash back, miles or points that your credit card promises. And if you don't, you can contact your card issuer and often settle the matter.

In fact, some credit cards now specifically reward you for using a digital wallet: The Apple Card and the U.S. Bank Altitude™ Reserve Visa Infinite® Card are two examples.

Exceptions and fine print do exist, of course. And it's worth understanding how digital wallets work so you can make sure no rewards slip through the cracks as your iPhone hovers over a scanner.

» MORE:More credit cards pile on rewards for mobile wallet spending

How digital wallets work

Major digital wallets like Apple Pay, Google Pay and Samsung Pay use a process called "tokenization." When you make a transaction, the digital wallet does not share with the merchant your actual credit card number but instead creates a one-time-use number, or token. This is similar to how the microchip embedded in your credit card works.

“You're likely to earn the rewards you're promised, and some credit card issuers even spell this out clearly in their terms and conditions.”

This tokenization helps keep your true card number secure. But your purchase will still be recorded as having been made with the merchant, not with Apple, Android/Google or Samsung. And from a rewards standpoint, this is crucial.

That's because credit card issuers rely on merchant category codes to determine whether your purchase qualifies for certain rewards. Those MCCs are assigned by the four major payment networks — Visa, Mastercard, American Express and Discover — depending on the nature of the merchant. A grocery store will have a different MCC than a purchase from Apple will, but using your digital wallet at Kroger still "codes" as a grocery store purchase.

Thus, you're likely to earn the rewards you're promised, and some credit card issuers even spell this out clearly in their terms and conditions.

American Express, for example, assures that Apple Pay users will get their rewards on compatible cards: “Yes, you receive all of the same rewards, security and benefits of your American Express Card when you use it with Apple Pay.” Apple Pay’s FAQ page backs this up as well: “When you pay using Apple Pay, you continue to get the rewards, benefits, and security that your credit, debit, or prepaid card provides.”

The same is true of digital payment methods like PayPal, which promise that "you can still earn your credit card points, miles and rewards" when you link your preferred rewards card.

Exceptions and fine print

While a digital wallet typically won't affect how a transaction "codes," there may be instances in which a merchant processes a purchase in an unexpected or incomplete way.

“If for some reason you're missing expected rewards for a transaction, call your issuer.”

This in fact was an issue for a time with the American Express® Gold Card, although AmEx says the problem has been largely addressed.

To this end, many issuers have disclaimers in their terms and conditions to cover themselves. For instance, Discover’s states on its site: “Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification."

Generally, you'll earn the rewards you're promised when you use a digital wallet, but you may want to check your statement to make sure. If for some reason you're missing expected rewards for a transaction, call your issuer to address the matter.

» READ:8 other things your digital wallet can do for you

Benefits of digital wallets

Rewards aside, opting for a digital wallet can prove more convenient and secure than carrying around your physical cards. As noted, once you add your card details to your payment app of choice, your card number is never shared with a merchant when you pay, and you won’t have to worry about someone seeing your card information either.

Plus, a digital wallet might help you better organize and keep track of your cards. You can add multiple cards to your phone, rather than lugging around plastic in your actual wallet. This can save you time at the register as well as give you easier access to all your cards.

Keep in mind that not all cards are compatible with digital wallets. Check your card issuer’s site for a list of cards that are eligible to be used digitally. You can also call your card's customer service number if you’re unsure.

» MORE:Don't fear your mobile wallet

Источник: https://www.nerdwallet.com/article/credit-cards/digital-wallet-credit-card-rewards

Apple Pay participating banks and card issuers in Asia-Pacific

Apple Pay works with many of the major credit, debit, and prepaid cards from the top banks and card issuers. Just add your supported cards and continue to get all the rewards, benefits, and security of your cards.

We’re working with more banks and card issuers to support Apple Pay. If you don’t see your bank or card issuer below, check back soon.

Some cards from participating banks and card issuers might not be supported in Apple Pay. Contact your bank or card issuer for more information.

Select a different country or region

  • 86 400
  • Accesspay Mastercard
  • Acquire One
  • American Express
  • AMP Bank
  • ANZ
  • Australian Military Bank
  • Australian Unity
  • Auswide Bank
  • AWA Alliance Bank
  • Bank Australia
  • Bank First
  • Bank of Heritage Isle
  • Bank of Melbourne
  • Bank of Queensland Specialist
  • Bank of Sydney
  • Bank of us
  • BankSA
  • BankVic
  • Bankwest
  • bcu
  • BDCU Alliance Bank
  • Bendigo Bank
  • Beyond Bank Australia
  • BNK Bank
  • BOQ Specialist
  • Border Bank
  • Central Murray Credit Union Ltd.
  • Central West Credit Union Ltd.
  • CIRCLE Alliance Bank
  • Citi Australia
  • Coastline Credit Union
  • Coles Financial Services
  • Commonwealth Bank of Australia
  • Community First Credit Union Ltd.
  • Credit Union SA Ltd.
  • Defence Bank
  • DiviPay
  • Edge
  • EML Payment Solution Ltd
  • Endeavour Mutual Bank
  • Finstro
  • Fire Service Credit Union
  • Firefighters Mutual Bank
  • First Option Bank
  • Geelong Bank
  • Goulburn Murray Credit Union
  • Great Southern Bank
  • Greater Bank Limited
  • Hay
  • Health Professionals Bank
  • Heritage Bank
  • Holiday Coast Credit Union Ltd.
  • Horizon Bank
  • HSBC
  • Hume Bank
  • Illawarra Credit Union Limited
  • IMB Bank
  • INC.C Payments
  • ING
  • Intech Credit Union Ltd.
  • Klarna Australia Pty Ltd
  • Laboratories Credit Union Ltd.
  • Latitude Financial Services
  • Lombard Finance
  • Macquarie
  • ME Bank
  • MoneyMe
  • Move Bank
  • MyLife MyFinance
  • MyState Bank Ltd.
  • National Australia Bank
  • Nexus Mutual
  • Nimble
  • Northern Beaches Credit Union
  • Northern Inland Credit Union
  • Nova Alliance Bank
  • Novatti Pty Ltd
  • Once Credit
  • Orange Credit Union
  • P&N Bank
  • Paywith
  • People's Choice Credit Union
  • Police Bank
  • Police Credit Union Ltd.
  • Qbank
  • QCCU
  • Qpay
  • Qudos Bank
  • RACQ
  • Revolut
  • RSL Money
  • SERVICE ONE Alliance Bank
  • Skye provided by FlexiCards Australia Pty Ltd
  • South West Slopes Credit Union
  • Southern Cross Credit Union
  • Spriggy
  • St.George Bank
  • Summerland Financial Services Limited
  • Suncorp
  • Sydney Mutual Bank
  • Teachers Mutual Bank
  • The Broken Hill Community Credit Union Ltd
  • The Mac
  • The Mutual Bank
  • UBank
  • UniBank
  • Unity Bank Ltd.
  • Up Money
  • Vault Payment Solutions
  • Warwick Credit Union Ltd.
  • WAW Credit Union
  • Westpac Banking Corporation
  • Wildcard Money Pty Ltd
  • Wise
  • Woolworths Group Limited
  • Woolworths Team Bank
  • Xinja Bank
  • Zip Australia

China mainland

  • Agricultural Bank of China
  • Bank of Baoding
  • Bank of Beijing
  • Bank of ChangSha
  • Bank of Chengdu
  • Bank of China
  • Bank of ChongQing
  • Bank of Communications
  • Bank of Dalian
  • Bank of Dandong
  • Bank of Dongguan
  • Bank of GuangZhou
  • Bank of Guiyang
  • Bank of Hainan
  • Bank of Hangzhou
  • Bank of HeBei
  • Bank of Huludao
  • Bank of Huzhou
  • Bank of Jiangsu
  • Bank of Jilin
  • Bank of Jinhua
  • Bank of Jinzhou
  • Bank of Kunlun
  • Bank of Lanzhou
  • Bank of Nanjing
  • Bank of NingBo
  • Bank of Ningxia
  • Bank of Quanzhou
  • Bank of Shanghai
  • Bank of ShiZuiShan
  • Bank of Suzhou
  • Bank of Taizhou
  • Bank of Tianjin
  • Bank of Urumqi
  • Bank of Wenzhou
  • Bank of Xi An
  • Bank Of ZhangJiaKou
  • Bank of Zhengzhou
  • Beijing Rural Commercial Bank
  • Changzhi Bank
  • ChengDu Rural Commercial Bank
  • China Bohai Bank
  • China Construction Bank
  • China Everbright Bank
  • China Guangfa Bank
  • China Merchants Bank
  • China Minsheng Banking Corporation
  • China Resources Bank Of Zhuhai
  • China Zheshang Bank
  • Chongqing Rural Commercial Bank
  • CITIC
  • CITIC AIBank
  • Da Tong Bank
  • Dalian Rural Commercial Bank
  • Dongguan Rural Commercial Bank
  • ExpressPay
  • Fubon Bank
  • Fujian Rural Credit Union
  • Great Wall West China Bank
  • Guangdong Huaxing Bank
  • Guangdong NanYue Bank
  • GUANGDONG RURAL CREDIT UNION
  • Guangzhou Rural Commercial Bank
  • Guilin Bank
  • Haikou Rural Commercial Bank
  • Harbin Bank
  • Henan Province Rural Credit Cooperatives Union
  • Hengfeng Bank
  • HSBC
  • Huarong Xiangjiang Bank
  • Huaxia Bank
  • Hubei Bank
  • HuiShang Bank
  • Hunan Rural Credit Cooperative
  • Industrial and Commercial Bank of China
  • Industrial Bank of China
  • Jiang Xi Rural Credit Union Bank
  • Jiangnan Rural Commercial Bank
  • Jiangsu Changjiang Commercial Bank
  • Jiangsu Jiangyin Rural Commercial Bank
  • Jiangsu Rural Credit Union
  • Jiangsu Suning Bank
  • Jiangxi Bank
  • JILIN PROVINCE RURAL CREDIT BANK
  • JinCheng Bank
  • Jinzhong Bank
  • LangFang Bank
  • Leshan City Commercial Bank
  • Liaoning Rural Credit Cooperatives
  • Luzhou City Commercial Bank
  • Mengshang Bank
  • Mianyang City Commercial Bank
  • Panzhihua City Commercial Bank
  • Ping An Bank
  • Postal Savings Bank of China
  • Qingdao Bank
  • Rural Commercial Bank of Zhangjiagang
  • Shanghai Huarui Bank
  • Shanghai Pudong Development Bank
  • Shanghai Rural Commercial Bank
  • Shanxi Rural Credit Cooperatives Union
  • Shanxi Rural Credit Union
  • ShaoXing Bank
  • Shengjing Bank
  • Shenzhen Rural Commercial Bank
  • Shunde Rural Commercial Bank
  • Sichuan Rural Credit Union
  • SiChuan TianFu Bank
  • Sichuan XW Bank
  • Suining City Commercial Bank
  • The Bank of East Asia (China)
  • The Rural Credit Union of Hainan Province
  • Tianjin Binhai Rural Commercial Bank
  • WeBank
  • Xiamen Bank
  • Xiamen International Bank
  • YangQuan City Commercial Bank
  • YellowRiver Bank
  • Yibin City Commercial Bank
  • Yinzhou Bank
  • Yunnan HongTa Bank
  • Yunnan Rural Credit Cooperatives
  • Zhejiang Chouzhou Commercial Bank
  • Zhejiang Rural Cooperatives
  • Zhejiang Tailong commercial bank
  • ZhongYuan Bank

  • American Express*
  • Bank of America, National Association, Hong Kong Branch (Mastercard credit cards)
  • Bank of China, Hong Kong (Mastercard, UnionPay, and Visa credit cards, Union Pay debit cards)
  • Bank of East Asia (Mastercard, UnionPay and Visa credit cards)
  • China CITIC Bank International (Mastercard and Visa credit cards)
  • China Construction Bank (Asia) (Mastercard,UnionPay and Visa credit cards)
  • Citibank (Mastercard and Visa credit cards, MasterCard debit cards)
  • Dahsing Bank (Mastercard and Visa Credit Cards)
  • DBS (Mastercard and Visa credit cards)
  • Hang Seng Bank (Mastercard, UnionPay, and Visa credit cards)
  • HKT Payment Limited (Mastercard and UnionPay prepaid cards)
  • HSBC (Visa credit cards, Mastercard and UnionPay debit and credit cards)
  • ICBC (Asia) (UnionPay and Visa credit cards)
  • Livi Bank (Mastercard debit cards)
  • Mox Bank Limited (Mastercard debit cards)
  • PrimeCredit Limited ( CUP and Visa credit cards)
  • Standard Chartered Bank (Mastercard and Visa credit cards, Union Pay debit cards )
  • TNG (Asia) Limited(Mastercard prepaid cards)
  • WeLab Bank Limited(Mastercard debit cards)
  • ZA Bank (Visa Debit card)

*Bank-issued American Express cards aren't supported.

  • Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, UnionPay credit cards)
  • Bank of China Macau Branch (UnionPay credit and debit cards)
  • ICBC (Macao) (UnionPay credit cards)

Taiwan

        

  • Bank SinoPac (MasterCard credit and debit cards, JCB and Visa credit cards)
  • Cathay United Bank (Mastercard and Visa credit and debit cards)
  • Citibank Taiwan(Mastercard and Visa credit cards, Mastercard debit cards)
  • CTBC Bank (JCB credit, Mastercard and Visa credit and debit cards)
  • E.SUN Commercial Bank (JCB, Mastercard and Visa credit and debit cards)
  • First Commercial Bank (JCB, Mastercard and Visa credit cards)
  • HSBC (Taiwan) Bank (MasterCard and Visa credit cards)
  • Hua Nan Commercial Bank (Mastercard credit cards, JCB and Visa credit and debit cards)
  • KGI Bank (Mastercard and Visa credit cards)
  • Shin Kong Bank (Mastercard and Visa credit cards)
  • Standard Chartered Bank (Mastercard and Visa credit and debit cards)
  • Taipei Fubon Commercial Bank (Mastercard and Visa credit and debit cards, JCB credit cards)
  • Taishin International Bank (Mastercard and Visa credit and debit cards)
  • Union Bank of Taiwan (JCB, Mastercard and Visa credit cards, Visa debit cards)

 

  • AEON BIG Co.,Ltd.
  • Aeon Financial Service
  • AEON Hokkaido Co.,Ltd.
  • AEON KYUSHU Co., Ltd.
  • AEON MARKET Co.,Ltd.
  • AEON RETAIL Co., Ltd.
  • AEON RYUKYU Co., Ltd.
  • AEON SUPERCENTER Co., Ltd.
  • AEON TOHOKU Co.,Ltd.
  • AEON TOWN Co., Ltd.
  • Akita International Card
  • Akita JCB Card
  • American Express
  • APLUS
  • au Jibun Bank
  • Cedyna Financial Corporation
  • Chibagin JCB Card
  • Chubu Shinkin Bank Card
  • Chugoku Shinkin Card
  • Chukyo Card *
  • Credit Saison
  • Daishi JCB Card
  • Daiwa House Financial
  • Dogin Card *
  • East Japan Railway Company
  • Ehime JCB
  • Epos Card
  • Fidea Card *
  • Fukui Card *
  • Higashi Nippongin JCB Card
  • Higin Card *
  • Hirogin Card Service *
  • Hokuriku Card *
  • Hyakugo Card
  • Idemitsu Credit
  • JACCS
  • Japan Post Bank *
  • JCB
  • JFR Card *
  • Juhachi Card *
  • Juroku Card *
  • Kagoshima Card *
  • KASUMI Co.,Ltd.
  • KDDI Corporation (au WALLET Card)
  • Kinki Shinkin Card *
  • Kiraboshi JCB *
  • Kirayaka Card *
  • Kochi Card *
  • KOHYO Co.,Ltd.
  • Kyash
  • Kyogin Card Service *
  • KYSHU NIHON SHINPAN
  • Kyushu Shinkin Card *
  • Lawson Bank
  • LIFECARD
  • Line Pay
  • MaxValu Hokuriku Co., Ltd.
  • Maxvalu Kanto Co.,Ltd.
  • Maxvalu Minamitohoku Co.,Ltd.
  • Maxvalu NISHINIHON Co.,Ltd.
  • Maxvalu Tokai Co., Ltd.
  • Mebuki Card  *
  • merpay
  • MI Card
  • Michinoku Card *
  • Minato Card *
  • MINISTOP Co.,Ltd.
  • Minna Bank
  • Mitsubishi UFJ Nicos ***
  • Mixi
  • Miyagin Card *
  • MIYAZAKI SHINPAN
  • Mizuho Bank
  • Model Hyakka
  • Momiji Card *
  • MUFG Bank
  • Musashino Card *
  • My Basket CO.,Ltd.
  • Nagoya Card *
  • Nagoya MC Card *
  • Nanto Card Service *
  • Nissen Credit Service
  • Nissenren
  • North Pacific Bank *
  • NTT Docomo (d-card)
  • OC CARD
  • OKB PAYMENT PLAT *
  • Okigin JCB
  • Orient Corporation
  • ORIGIN TOSHU Co.,Ltd.
  • PASMO
  • PayPay Card*****
  • Persona *
  • POCKET CARD
  • Rakuten Card
  • Resona Card
  • Sapporo Hokuyo Card *
  • SB Payment Service
  • SBI Sumishin Net Bank
  • Senshu Ikeda JCB
  • Senshu Ikeda VC *
  • Seven Card Service *
  • Seven Cs Card Service
  • Shikoku Shinkin Card *
  • Shinkin Bank Card *

 

  • Shizugin Saison Card
  • Shoko Chukin Card *
  • Sumitomo Mitsui Banking *
  • Sumitomo Mitsui Card
  • Sumitomo Mitsui Trust Card *
  • Sumitomo Mitsui Trust Club(Diners Club) ****
  • SUNDAY Co., Ltd.
  • Suruga Card *
  • Taiko Card
  • Takashimaya Credit
  • The  Hyakujushi JCB Card
  • The 77 Bank
  • The 77 Card *
  • The Akita Bank *
  • The Aomori Bank *
  • The Ashikaga Bank *
  • The Awa Bank
  • The Awagin Card *
  • The Bank of Fukuoka *
  • The Bank of Kyoto *
  • THE BANK OF NAGOYA
  • The Bank of Okinawa
  • The Bank of Saga *
  • The Bank of Yokohama *
  • The Chiba Bank. *
  • The Chikuho Bank *
  • The Daiei Inc.
  • The Chugin Card (JCB Cards Only)
  • The Chugoku Bank *
  • The Daishi Hokuetsu Bank *
  • The Daito Credit Service *
  • The Ehime Bank
  • The FFG Card *
  • The Fukui Bank *
  • The Gungin Card *
  • The Gunma Bank *
  • The Hachijuni Bank
  • The Hiroshima Bank *
  • The Hokkoku Bank *
  • The Hokkoku Credit Service *
  • The Hokuetsu Card *
  • The Hokuto Bank *
  • The Hyakujushi Bank **
  • The Iwagin Credit Service Co. Ltd.
  • The Iyo Bank **
  • The Juroku Bank
  • The KAGOSHIMA BANK
  • The Keiyogin Card *
  • The Kiyo Bank
  • The Kiyo Card *
  • The Kumamoto Bank
  • The Kyushu Card *
  • The Miegin Card *
  • The Ogaki Kyoritsu Bank
  • The Oita Card *
  • The San-In Godo Bank
  • The Shigagin JCB
  • The Shikoku Bank *
  • The Shimizu Lease & Card
  • The Shinwa Bank
  • The Shizuoka Bank *
  • The Shonai Bank *
  • The Tajima Bank *
  • The Tochigi Bank
  • The Tochigin Card Service *
  • The Toho Bank *
  • The Toho Credit Service *
  • The Tokyo Tomin Bank Ltd.
  • The Yamagin Card Service *
  • The Yamaguchi Bank *
  • Toho Card *
  • Tohoku JCB Card
  • Tohoku Shinkin Bank Card *
  • Tokyo Credit Services *
  • Tomony Card. *
  • Torigin Card Service *
  • Towa Card *
  • Toyota Finance
  • Tsukuba Bank *
  • UC Card (Credit Saison cards only)
  • UCS
  • Viewcard
  • WELCIA YAKKYOKU Co.,Ltd.
  • West Japan Railway Company (J-WEST Card)
  • Yamagin Card **
  • Youme Card

 

*UC Card and American Express cards are not supported.

**DC Card, UC Card, and American Express cards are not supported.

***JCB Cards and American Express cards are not supported.

****TRUST CLUB Card (Visa and Mastercard) is also supported.

***** Yahoo! JAPAN Card only

To make payments in stores using QUICPay or iD, you can add credit and prepaid cards to Apple Pay on iPhone 7 and later or Apple Watch Series 2 and later. You can also add JCB, Mastercard, and American Express and Visa* cards to Apple Pay on iPhone 7 and later to pay within apps and on the web.

*Some card from participating banks and card issuers might not be supported in Apple Pay yet. contact your bank or card issuer for more information on which cards and devices are supported.

  • Altyn Bank
  • ATFBank
  • Eurasian Bank
  • Halyk Bank
  • Sberbank
  • Bank CenterCredit
  • ForteBank

New Zealand

  • ANZ (Visa credit and debit cards)
  • ASB Bank Limited
  • BNZ
  • Flight Centre Mastercard by FlexiGroup NZ
  • Latitude Financial Services Limited
  • Laybuy
  • Q Mastercard by FlexiGroup NZ
  • Westpac New Zealand Limited

Singapore

  • American Express*
  • Citibank (Mastercard and Visa credit cards, Mastercard debit cards)
  • DBS (Mastercard and Visa credit and debit cards)
  • HSBC (Mastercard and Visa credit cards, Visa debit cards)
  • OCBC (Mastercard and Visa credit and debit cards)
  • POSB (Mastercard credit and debit cards)
  • Singtel (Visa Prepaid Card)
  • Standard Chartered Bank (Mastercard credit and debit cards, Visa credit cards)
  • United Overseas Bank (Mastercard and Visa credit and debit cards)
  • Wise

*Bank-issued American Express cards aren't supported.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Published Date: 

Источник: https://support.apple.com/en-us/HT206638

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  • Use virtual credit and debit card numbers online and in stores using mobile wallet
  • Get instant transaction notifications on your cell phone

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Use Wherever "Tap" is Available

Use Apple Pay on your iPhone or Apple Watch at any business that accepts contactless (tap) debit and/or credit payments.

An Easy Way to Pay Within Apps

Use your RBC credit card on your iPhone, iPad or MacBook Pro to pay using a single touch, in any app that accepts Apple Pay.

Track Your Spending and More

View your balance, available credit and RBC Rewards® points balance while you’re on the go using the RBC app3.

Setting up Apple Pay is Easy

To get started you'll need:

  • An eligible iPhone or Apple Watch
  • Your physical RBC debit and RBC credit card(s)
  • The RBC Wallet app3
Learn More

You’ll need to sign into the RBC Wallet app during the Apple Pay set up process to verify your identity and confirm your banking information.

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Paying with Apple Pay

Now there's no need to dig out your physical wallet in order to make a payment. Just use your iPhone or Apple Watch at any contactless reader and you'll be on your way in no time.

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Check your balance before you pay

You also have the option to check your balance before paying by first opening the RBC Wallet app and selecting the card you want to use to see your account details.

pay-with-apple-pay

Get Ready to Change the Way You Pay

Now you can experience a fast, easy and secure way to make your everyday purchases with the RBC Wallet app and Apple Pay

Get it on App Store

Top Questions About Apple Pay...

The first card that you set up in Apple Pay will automatically become your default card therefore make sure that this is the card that you use the most for purchases.

Hold your iPhone near the contactless reader with your finger on Touch ID or using Face ID. A subtle vibration and beep will let you know the payment information was successfully sent.

On your Apple Watch, double-click the side button and hold the display up to the contactless reader. A gentle tap and beep will confirm that your payment information was sent.

Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange information quickly, conveniently and securely at close proximity. Apple Pay uses NFC technology to transmit payment card information from the phone to a contactless payment (tap) terminal.

When you add your debit or credit cards to Apple Pay the number from the plastic card(s) is replaced with a secure digital number also called a token. This token is a virtual number to represent your VISA, MasterCard, or Client Card without using the actual number.

A digital account number or token is a substitute account number that replaces the card number and is used to make secure purchases in stores and in-app. A digital account number will not work outside of the secure payment environment.

You can make a return the same way you would with your plastic card today – contact the business directly along with your receipt. We do recommend you bring the device you used when returning items purchased with Apple Pay.

For any new or replacement cards, you will need to go through the initial set up of Apple Pay again. For a card renewal, the new expiration date will be automatically updated so there is no action required.

More

1)

Apple Pay is currently not available for use with Business credit or debit cards.

2)

Apple Pay works with iPhone 6 / iPhone 6 Plus and later and Apple Watch in stores and iPhone 6 / iPhone 6 Plus and later as well as the MacBook Pro in-app. For a list of compatible Apple Pay devices, see www.apple.com/ca/apple-pay.

3)

RBC Wallet is operated by Royal Bank of Canada.

Источник: https://www.rbcroyalbank.com/ways-to-bank/rbc-wallet-app/apple-pay.html

Pay With a Credit Card

You may pay your filing fee and biometric services fee, if applicable, with a credit card issued by a U.S. bank, if you are filing:

  • An application, petition, or request with a USCIS lockbox;
  • Form I-485, Application to Register Permanent Residence or Adjust Status, for U nonimmigrants, with the Nebraska Service Center;
  • Form I-140, Immigrant Petition for Alien Workers, with Form I-907, Request for Premium Processing Service, or when filing Form I-907 to upgrade a pending Form I-140 to premium processing with the Nebraska Service Center or Texas Service Center; or
  • Form I-129, Petition for a Nonimmigrant Worker, for O and P nonimmigrants with the Vermont Service Center or California Service Center.

There is no additional cost to file by credit card. We cannot accept a credit card issued by a foreign bank. Not all service centers are able to process credit card payments.

Acceptable Credit Cards

You may use Visa, MasterCard, American Express, and Discover. Make sure the card has enough money to cover the fee. We will reject your application, petition, or request if the card is declined, and we will not attempt to process your credit card payment a second time.

How to Pay With a Credit Card

If we accept your filing, we will:

  • Charge your credit card for the proper amount; and
  • Destroy your Form G-1450 to protect your credit card information. (We will destroy it even if we reject your filing and do not process your payment.)

You will see a charge from USCIS on your credit card statement.

For general filing information, see our Form Filing Tips page.

Multiple/Combined Applications

You must pay each filing fee separately for each application, petition, or request you submit.

If you are paying by credit card, submit one Form G-1450 with each application, petition, or request that you submit. You may pay both the filing fee and biometric services fee with one Form G-1450.

We will reject your entire package if you submit:

  • One Form G-1450 for multiple applications, petitions, or requests;
  • A check and credit card authorization to split the payment for the same application, petition, or request; or
  • A mix of money orders, checks, and credit card authorizations together for multiple applications, petitions, or requests

Here are examples of how to properly submit payments:

If you submit...And wish to pay with...Then you must
One application, petition, or requestOne credit cardPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestVisa, MasterCard, American Express, or Discover gift cards or prepaid cardsPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestTwo credit or gift cards (split payment)

Complete two Form G-1450s, one for each card, and specify the amount you wish to pay with each card.

Note: Make sure the amounts on the two Form G-1450s add up to the correct total, as we will reject a filing with an incorrect payment. Please complete one Form G-1450 for each card and ensure the total amount of the filing fee is correct between the two forms. (For example: You could pay a $400 filing fee with two $200 payments on each card.)

Three applications, petitions, or requestOne credit cardSubmit three Form G-1450s, one for each application, petition, or request.
Five applications, petitions, or requests
  • One credit card for two of the forms
  • A check for the other three forms

Submit two separate packages --

  • First package: two applications, petitions, or requests and two Form G-1450s.
  • Second package: three applications, petitions, or requests and three separate checks.

Security

We use the U.S. Department of the Treasury’s Pay.gov Trusted Collections Service (TCS) to process your credit card payment. TCS is a web-based application that allows government agencies to process debit or credit card payments. You cannot pay the fee directly to Pay.gov.

The Department of the Treasury ensures that Pay.gov is Payment Card Industry Data Security Standard (PCI DSS) compliant. PCI DSS is a set of requirements designed to ensure all companies processing, storing, or transmitting credit card information maintain a secure environment.

We will destroy your Form G-1450 after processing it, regardless of whether we accept or reject your application, petition, or request.

Third-Party Payments

Anyone authorized to use a credit card may pay for your application, petition, or request. The cardholder must complete Form G-1450, sign it, and give it to you to submit with your filing.

Declined Credit Cards

If a credit card is declined, we will not attempt to process the credit card payment again. We will reject your application, petition, or request for lack of payment.

Rejection Notices

If we reject your filing, we will send you a notice explaining why we rejected it.

If you file a corrected application, petition, or request, and wish to pay again by credit card, you will need to include a new Form G-1450.

Avoid Immigration Scams

Learn how to protect yourself from common immigration services scams, and where to report suspected fraud, at Avoid Scams.

And remember, the current versions of all USCIS forms are always available for free at uscis.gov/forms.

Источник: https://www.uscis.gov/forms/filing-fees/pay-with-a-credit-card

Apple Pay

Mobile payment and digital wallet service

Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari. It is supported on the iPhone, Apple Watch, iPad, and Mac. It is not available on any client device that is not made and sold by Apple (in particular, it cannot be used on any Android device, nor on any browser running on Windows). It 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, 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.

Originally launching in the United States, Apple Pay is available in Israel, Azerbaijan, Bahrain, the United Kingdom, Canada, Australia, Brazil, Mexico, Colombia, Costa Rica, the United Arab Emirates, Saudi Arabia, Qatar, Russia, Ukraine, Kazakhstan, China, New Zealand, Singapore, Hong Kong, Japan, Macau, Georgia, Belarus, Montenegro, Serbia, South Africa, and all countries in the European Economic Area (EEA).[1] Apple Pay supports both international payment schemes—such as American Express, Visa (including Electron and V Pay), Mastercard (including Maestro), and Discover—as well as country-specific domestic payment schemes like China's UnionPay, Japan's JCB, France's Cartes Bancaires, Canada's Interac, Australia's eftpos, Saudi Arabia's mada, Germany's Girocard and Russia's Mir. Participating banks vary by region.

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, and at OMNY readers across New York City's subway 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[edit]

Device compatibility[edit]

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and all Apple Watches. It can store between 8–16 cards (passes such as loyalty cards and tickets do not count against this limit.)[3]

Technology[edit]

Apple Pay uses[4] the EMV Payment Tokenisation Specification.[5]

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".[6] 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.[6]

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,[6][7] or passcode,[7] whereas Apple Watch users authenticate by double-clicking a button on the device.[8] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[6] 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.[9] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a Japanese Suica card, which stores the user's balance on the card itself and 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)[10] 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).[11] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[6] 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.[12]Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[13] 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.[14][15] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, in addition, the bank pays 45 rubles a year for each card added in the service.[16]

Consumer Device Cardholder Verification Method (CDCVM)[edit]

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 £45 limit in the United Kingdom and 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.[17]

Express Transit or Express Travel[edit]

Since iOS 12.3, supported credit and debit cards, as well as some stored-value transport cards (such as Shanghai & Beijing transit cards, Suica, MTA and TriMet) can be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID.[18] Once a supported credit, debit or transit card is selected as a user's Express Transit/Travel card, the user can simply hold their device near the card reader, for example at ticket barriers, to initiate or authorise payment for the journey.

Within iOS, the functionality is labelled as "Express Transit" in North America and "Express Travel" in most other English-speaking countries, because "transit" in most varieties of English has a narrower meaning of travelling through a jurisdiction or airport during a journey as opposed to travel or transport in general.

On iPhone XR, iPhone XS, iPhone XS Max and later, Express Transit/Travel cards can be used up to five hours on Power Reserve after the device has powered off due to a drained battery. The typical low-battery icon will display with "Express Cards Available" text appearing at the bottom of the display, letting users know that Express Transit/Travel is still available for usage.

(Express Mode more generally is also available for contactless student ID cards stored in the Wallet app[19] as well as digital car keys.[20]

A security flaw was reported in September 2021 whereby Visa cards configured for Express Travel/Transit can be charged with unlimited amounts by non-transport merchants without user authentication.[21][22][23]

Global acceptance[edit]

About two-thirds of merchants accept Apple Pay, but many terminals don't.[24] 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:

  • Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a 'Could Not Complete Payment' error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash[edit]

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 Discover. Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. Apple Cash is only available in the United States.[25][26]

Cost[edit]

Apple Pay does not cause additional fees for users and merchants. A card holder has a contract with the card issuer. A merchant has a contract with an acquirer. The acquirer has a contract with the card issuer. In Switzerland, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (0.26 USD) 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 comission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers income earned from the acquirer.[27][28][29][30][31]

History[edit]

2013[edit]

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[6] 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.[12] 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.[32] MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments".[32] 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.[6] 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.[12]

2014[edit]

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".[6] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[6][8][33] The company announced an API for app developers to build Apple Pay checkout into their apps.[6]

2015[edit]

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.[34] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[35] and Chinese users could start to use Apple Pay on February 18, 2016.[36]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[37]

2016[edit]

On March 8, 2016, ExxonMobil officially launched Apple Pay support within its Speedpass+ iOS app, letting customers pay for gas or car washes directly from their iPhone, eliminating the need to use the ExxonMobil's physical NFC Speedpass keychain token at the point of transaction.[38]

On April 27, 2016, ANZ made Apple Pay available to their American Express and Visa cardholders in Australia.[39][40]

On May 4, 2016, Kohl's became the first retailer to allow the use of Apple Pay with Kohl's Charge Cards or other credit or debit cards enrolled with Apple Pay and simultaneously earn Yes2You Rewards[41] loyalty points with a single tap using Apple Pay. JC Penney announced that they would be rolling out the same in the near future.[42]

On May 10, 2016, Apple Pay expanded the service in Canada to customers of RBC, CIBC, ATB Financial and Canadian Tire Bank. The expansion includes varying support for Visa, MasterCard, and Interac, covering most major debit and credit cards in Canada. Apple Pay was previously only available in Canada for non-bank-issued American Express cards. Apple Pay was expanded to TD Canada Trust, Scotiabank, and the Bank of Montreal in June to complete the rollout across Canada's Big Five financial institutions.[43] Apple Pay support is also coming soon to Air Canada, Aldo Group, Domino's Pizza, Pizza Pizza, Zulily, and the Toronto Transit Commission. Additionally, the payment service is integrated into the iPhone and iPad applications for the Apple Store, Delta Air Lines, Etsy, Fancy.com, Groupon, Kickstarter, Priceline.com, Starbucks, Ticketmaster, Uber, and Zara starting in June 2016.[44]

On May 19, 2016, Chime Banking initiated its support of Apple Pay.[45]

Apple Pay launched in Singapore on April 19, 2016, with American Express issued cards. On May 25, 2016, this was extended to support Visa and MasterCard credit and debit cards issued by Singapore's five major banks, translating to about 83 percent of credit and debit cards in the country.[46]

BMO, Scotiabank, and TD Canada Trust, which make up three of the five largest banks in Canada, rolled out Apple Pay support on June 1, 2016.[47]

On June 1, 2016, KFC has announced that it accepts Apple Pay at some of its U.S. restaurants, with nationwide adoption to be completed by the end of the summer.[48]

On June 3, 2016, GrubHub began accepting payment from its customers using Apple Pay on its two applications; Grubhub and Seamless.[49] The company is keeping up with its rivals in adopting the payment service as Caviar, DoorDash, and Postmates.[50]

Apple announced at its WWDC 2016 keynote on June 13, 2016, that Apple Pay will be entering three new markets; France, Hong Kong, and Switzerland over the following months in partnerships with Visa, Mastercard, and American Express. Visa and Mastercard cards will be supported in all three markets, while American Express will also be available in Hong Kong. The specific credit, debit, and prepaid cards that can be used in each country vary depending on the participating issuers[51]

  • France at launch will include Banque Populaire, Boon, Caisse Epargne, Carrefour Banque, Orange, and Ticket Restaurants. It will also be accepted at many retailers in France, including Apple, Bocage, Boulanger, Cojean, Dior, Fnac, Le Bon Marché, Louis Vuitton, Orange, Pret a Manger, Parkeon, Sephora, and at other locations where contactless payments are already accepted.[52]
  • Hong Kong at launch will include the Bank of East Asia (BEA), Bank of China (Hong Kong), DBS Bank (Hong Kong), Hang Seng Bank, HSBC, and Standard Chartered. Apple Pay will also be accepted at 7-Eleven, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald's, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and at other locations where contactless payments are already accepted.
  • Switzerland's launch of the service was on July 7, 2016, with Mastercard and Visa.[53] Initial banks deploying Apple Pay in Switzerland include Bonus Card, Cornèr Bank [de] (Cornèrcard), and Swiss Bankers. Apple Pay will also be accepted at retail locations of Aldi Suisse, Apple, Avec, Hublot, K Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and at other locations where contactless payments are already accepted.
  • A month after Apple Pay launched in Hong Kong, the service has expanded to The Bank of East Asia (BEA) and Hong Kong Telecom (HKT)'s Tap & Go contactless payments network.[54]

On June 26, 2016, Bendigo & Adelaide Bank alongside Commonwealth Bank, National Australia Bank and Westpac sought authorization from the Australian Competition & Consumer Commission (ACCC) for third party access to the iPhone's NFC chip (limited to Apple Pay) in order to distribute their own mobile wallet without any delays nor interference from Apple and also to collectively negotiate passing Apple Pay fees to cardholders. This action received support from the likes of Heritage Bank, Tyro Payments and Coles. An interim authorization, however, was not granted on August 19, 2016. A draft determination also denied the authorization on November 29, 2016. After a three-month extension, the ACCC released a determination denying authorization on March 31, 2017. During this time, the banks involved in this action held a collective boycott of the service.[55]

Under a partnership with American Express, Hong Kong and Spain will also get Apple Pay support in 2016.[56]

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[57] 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.[57][58]Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.[59]

On August 18, 2016, Apple announced it has added Apple Pay support for customers of Yorkshire Bank and Clydesdale Bank in the United Kingdom.[60]

On August 29, 2016, ANZ expanded their support for Apple Pay to support MasterCard holders in Australia.[61]

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.[62][63][64]

Taiwan's Financial Supervisory Commission began accepting applications from the country's banks offering Apple Pay to their customers on September 28, 2016. This includes the banks; CTBC Bank, Cathay, United Commercial Bank, E.SUN Commercial Bank, and Taishin International Bank.[65]

On October 13, 2016, Apple Pay rolled out in New Zealand, available to customers with Visa credit or debit cards issued by ANZ.[66]

On November 15, 2016, Apple Pay was made available to credit unions and minor banks under the Cuscal network in Australia.[67]

On December 1, 2016, Apple Pay started operating in Spain available to customers with cards issued by American Express, Banco Santander, Ticket Restaurante and Carrefour.[68]

2017[edit]

On January 13, 2017, ANZ was one of the first banks to release an instant provisioning service with Apple Pay in Australia, this allowed for customers to utilize the service even when they lost or had their card stolen.

On January 28, 2017, Credibanco and Redeban Multicolor enabled contactless payments such as Apple Pay; it was available by virtual prepaid card service like Boon Payment by Wirecard, Square Cash by Squareup and Yandex Money. Also, Apple Pay enabled bank cards are accepted.

On March 7, 2017, Ulster Bank and KBC Bank Ireland became the first banks in Republic of Ireland to launch Apple Pay.[69][70]

On March 29, 2017, Apple Pay launched in Taiwan with seven banks.

On May 17, 2017, Apple Pay launched in Italy (including San Marino and Vatican City) with boon., Unicredit and Carrefour Bank, also introducing support for Mastercard's Maestro and Visa's VPay, not available to use with Apple Pay in other countries.

On May 18, 2017, Apple Pay expanded in Ireland to include bank Allied Irish Bank.

On October 17, 2017, Apple Pay rolled out to the eftpos card network in Australia, marking the first card tokenisation service of the network. The rollout was only limited to ANZ Access cards and could only be used in physical stores.[71]

On October 23, 2017, Apple Pay expanded to Sweden, Denmark, Finland, and the United Arab Emirates.[72]

On October 24, 2017, BNZ (Bank of New Zealand) became the second bank in New Zealand to offer Apple Pay to their customers with eligible Visa cards.[73]

On November 28, 2017, Bendigo Bank was the first bank after the denied ACCC authorization to roll out Apple Pay to its Mastercard customers.[74]

2018[edit]

On February 1, 2018, Apple has confirmed that Apple Pay will arrive in Brazil as it announces its fiscal first-quarter results for 2018.

On March 28, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced support for multiple mobile wallets, one being Apple Pay.[75]

On March 30, 2018, iOS 11.3 released, Apple Pay supports the Shanghai Public Transport Card (SPTC) and Beijing Transportation Card for local buses, subways and other public transportation. The SPTC can also be used for public transportation in cities that have joined the City Union plan.[76]

On April 4, 2018, Apple Pay launched in Brazil with Itaú Unibanco (including Credicard).[77]

On May 1, 2018, Apple has confirmed that Apple Pay will arrive in Norway, Poland, and Ukraine as it announces its fiscal second quarter results for 2018.

  • On May 17, 2018, Apple Pay launched in Ukraine with PrivatBank.[78]
  • On June 19, 2018, Apple Pay launched in Poland with Alior Bank, BGZ BNP Paribas, BZ WBK, Getin Bank, mBank, Nest Bank, Pekao, and Raiffeisen Polbank.[79]
  • On June 20, 2018, Apple Pay launched in Norway with Nordea, Santander, and Sbanken.[80]

On July 31, 2018, Tim Cook announced on the Q3 2018 Earnings Call, that Apple Pay would launch in Germany later in 2018.[81]

On August 14, 2018, Apple Pay expanded in Brazil to include Banco Bradesco and Banco do Brasil.[82]

On September 18, 2018, similar to the Bank of America ATM rollout, ANZ made their contactless ATM available to all mobile wallets including Apple Pay. Contactless withdrawals were previously exclusive to their proprietary ANZ Mobile Wallet app.

On November 5, 2018, Apple announced the launch banks for the upcoming launch in Germany. This includes Deutsche Bank, HypoVereinsbank, comdirect, Fidor Bank, Hanseatic Bank, N26, bunq, VimPay and boon. by Wirecard.[83] American Express will also support all self-issued cards from launch. Payments networks include American Express, Mastercard (along with the debit brand Maestro), and Visa. The German national debit card scheme Girocard will not be part of the launch.

On November 8, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced their instant provisioning service, being the second bank in Australia to do so. It also allows for customers to start using the banking service with Apple Pay before their physical card arrives.[84]

On November 28, 2018, Apple Pay launched in Belgium with an exclusive partnership with BNP Paribas Fortis, along with its subsidiaries Fintro and Hello bank![85] and support for the MasterCard, Maestro and Visa payment networks. In Kazakhstan Apple Pay launched with support from ATFBank, Eurasian Bank, Halyk Bank, Sberbank, Bank CenterCredit and ForteBank.[86]

On December 11, 2018, Apple launched Apple Pay in Germany along with a press conference at the Allianz Arena in Munich, the home stadium of the major football team Bayern München.[87] Apple also announced more banks to follow in 2019, including the major banks DKB, ING, Consorsbank (BNP Paribas), Consors Finanz (BNP Paribas), and the British FinTech Revolut. Meanwhile, on the same day as the launch in Germany, the German Public Savings Banks Association (DSGV / Sparkasse), with the largest share of consumer banking in Germany, has announced that it is seeking to gain access to the NFC chip in iPhones for their own proprietary payment solution.[88]

On December 14, 2018, Commonwealth Bank announced Apple Pay on its social media, which would launch in January 2019 for its customers.[89]

2019[edit]

On January 14, 2019, Apple Pay was confirmed by local banks in Czech Republic,[90] where it is expected to launch on February 19,[91] and Slovakia and Slovenia with launch expected during March.[92]

On January 18, 2019, Apple Pay announced support for dual-network debit cards in Australia. ANZ Visa debit cardholders can choose to pay via the Visa network (credit) or the Eftpos network (savings and cheque).[93]Eftpos also announced that Apple Pay can be used for cash out at Bunnings Warehouse and McDonald's with more participating retailers rolling out later.[94]

On January 22, 2019, Apple reportedly rejected a plan to launch[95] Apple Pay in Belarus.

On January 23, 2019, after two years of the declined ACCC determination, Commonwealth Bank and its subsidiary Bankwest rolled out Apple Pay to personal cardholders.[96][97]

On January 28, 2019, news surfaced in Germany[98] that the Volks- and Raiffeisenbanken (through BVR - National Association of German Cooperative Banks) were in negotiations to launch Apple Pay later in 2019. The co-operative banks are one of the three main pillars of Germanys unique retail banking structure, with a market share of around 20%.[99]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[100]

On March 27, 2019, Austrian bank Erste Bank und Sparkasse, prepaid service boon. from Wirecard, German bank N26, Slovakian bank Slovenská sporiteľňa,[92] and Romanian banks ING Bank Romania and Banca Transilvania announced that Apple Pay is coming soon to Austria, Romania, Estonia, Greece, Portugal, and others.[101][102][103] An upcoming announcement had become apparent after Austria had been marked as a supported country in an Apple Pay world map shown during the Apple Keynote earlier that week.[104]

On April 2, 2019, Apple Pay had its first addition of banks in Germany after the launch in late 2018.[citation needed]Consors Finanz (BNP Paribas), Monese, Viabuy,[105] Crosscard,[106] and Fleetmoney[107] joined the 12 launch banks.[citation needed]Westpac New Zealand launched Apple Pay on this date as well.[108]

On April 4, 2019, Slovakian bank mBank announced upcoming support for Apple Pay on their website.[109]

On April 4, 2019, BGL BNP Paribas bank announced on Twitter account that Apple Pay is coming to Luxembourg soon.[110]

On April 12, 2019, Portuguese bank Crédito Agrícula announced upcoming support for Apple Pay on their website.[111]

On April 24, 2019, Apple launched Apple Pay in Austria with Erste Bank und Sparkasse and N26. Other services marked as coming soon are, amongst others, Bank Austria, Revolut and VIMpay. In Germany, Consorsbank (BNP Paribas) was added to the list of supported banks. In Spain, interbank network EURO 6000 and all its members (ABANCA, Caixa Ontinyent, CajaSur, Cecabank, iberCaja, Kutxabank, Liberbank and Unicaja Banco) started to offer support for Apple Pay.

On April 24, 2019, Slovakian bank Tatra banka announced upcoming support for Apple Pay on their Facebook page.

On May 1, 2019, ING announced that it will bring Apple Pay to the Netherlands, being the first Dutch bank to do so.[112]

On May 8, 2019, Apple Pay launched in Iceland with Landsbankinn and Arion Bank.[113][114]

On May 15, 2019, Monese announced that they will bring Apple Pay to Bulgaria, Croatia, Cyprus, Estonia, Greece, Italy, Lithuania, Liechtenstein, Latvia, Malta, Portugal, Romania, Slovakia, and Slovenia.

On May 21, 2019, NAB and its subsidiary UBank rolled out Apple Pay. Apple Pay is available in Hungary (with Maestro and MasterCard) and Luxembourg.[115][116]Monese started supporting Apple Pay in Iceland & Norway. Portland area transit card Hop Fastpass began Apple Pay support.[117]

On May 29, 2019, Revolut started support for Apple Pay in the United Kingdom and France.

On May 30, 2019, Revolut started support for Apple Pay in Belgium, Czech Republic, Denmark, Finland, Germany, Iceland, Ireland, Italy, Norway, Poland, Spain, Sweden, and Switzerland.

On June 11, 2019, Apple Pay launched in the Netherlands with ING. Also Monese started supporting Apple Pay in Austria.

On June 12, 2019, Banca Comercială Română announced that it has been working with Apple to implement Apple Pay in Romania.

On June 18, 2019, Deutsche Kreditbank launched Apple Pay in Germany to its over 4m customers, being the 20th bank to launch the payment service to customers in the country.

On June 26, 2019, Apple Pay officially launched in Romania with the support of the following banks: Banca Transilvania, ING Bank, Unicredit Bank, Orange Money, Edenred, Revolut and Monese. In Greece Apple Pay launched with the following banks: Revolut, Monese and N26. Edenred Greece also started supporting Apple Pay. Apple Pay was also launched in the following countries: Bulgaria, Croatia, Cyprus, Estonia, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Slovakia and Slovenia. In Germany, the co-operativeVolks- und Raiffeisenbanken (through BVR)[118] and the public savings bankSparkasse announced[119] an Apple Pay launch later in 2019. The two banks have a combined retail banking market share of around 70%.

On July 2, 2019, support for Apple Pay rolled out to customers with Erste Bank (with Visa card support too) and Granit Bank in Hungary and Klarna in Germany. Moreover, Apple Pay officially launched in Faroe Islands with Betri Bank.[120]

On July 10, 2019, support for Apple Pay rolled out to customers of Islandsbanki in Iceland.[121]

On July 12, 2019, Head of the Digital Technologies Department of the General Directorate of Payment Systems and Digital Technologies of National Bank of the Republic of Belarus, Anton Padrez announced upcoming support of Apple Pay[122][123] in Belarus by the end of 2019 on FinMobile conference.

As of July 16, 2019, all countries in the European Economic Area (EEA) support Apple Pay since the expansion of Monese and Revolut.

On August 6, 2019, Apple Pay launched in Macau with Union Pay by Banco Nacional Ultramarino and Industrial and Commercial Bank of China (Macau).[124][125]

On September 3, 2019, Apple Pay launched in Georgia with Bank of Georgia,[126]TBC Bank,[127] VTB Bank Georgia[128] and Liberty Bank.[129] Moreover, four more banks in the Netherlands rolled out support for Apple Pay: bunq, Monese, N26 and Revolut.[130] Dutch banks ABN AMRO and Rabobank announced support for Apple Pay is coming soon.[131][132]N26 also started support for Apple Pay in Switzerland and Iceland.

On October 15, 2019, the major international banks ING (bring the payment service to Germany) and Deutsche Bank (expanding to Italy after Germany and Spain previously) expanded their coverage in Europe. FinTech bunq expanded Apple Pay support to Austria. Phyre rolled out support for Apple Pay in Bulgaria. ABN Amro starts supporting Apple Pay in The Netherlands.

On November 5, 2019, The Spuerkeess bank announced that its customers could now use Apple Pay as a means of payment.[133]

On November 5, 2019, First Investment Bank is the first bank in Bulgaria to roll out support for Apple Pay only with Mastercard.[134]

On November 19, 2019, Apple Pay launched in Belarus with Sber Bank[135] with support of Mastercard and Visa cards.

On December 2, 2019, Bank of Valletta is the first national bank in Malta to announce that Apple Pay support for their Visa debit and credit cards is “coming soon".[136][137] The service rolled out to customers on December 10, 2019[138][139]

On December 4, 2019, support for Apple Pay rolled out to customers of Alfa-Bank, BSB Bank, Belagroprombank, Belarusbank, Belgazprombank, MTBank, Priorbank and VTB in Belarus with support of Mastercard and Visa cards.[140][141]

On December 4, 2019, support for Apple Pay rolled out to customers of iCard Bulgaria[142]

On December 10, 2019, support for Apple Pay rolled out to customers of UniCredit Bulbank[143]

2020[edit]

On January 28, 2020, Apple Pay launched in Montenegro with Crnogorska Komercijalna Banka[144] with support of Mastercard and Visa cards.

On January 30, 2020, Curve announced that its customers could now use Apple Pay as a means of payment.[145]

On April 1, 2020, TransferWise announced that its customers could now use Apple Pay as a means of payment.[146]

On April 7, 2020, Alpha Bank becomes the first Greek bank that launches Apple Pay in Greece, only for Visa cards.[147][148]

On April 8, 2020, Beijing T-union transit card, Yikatong marked with T-union and Shenzhen transit card were launched in Apple Pay and the cards could be used to pay the fares of the public transport in more 300 cities of China. At the same time, Beijing transit card(Yikatong) was removed, but the early added cards still could be used.[149]

On April 21, 2020, Volksbanken und Raiffeisenbanken Germany and announced that their customers could now use Apple Pay as a means of payment.[150][151]

On April 22, 2020, Raiffeisenbank (Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[152][153] On April 28, 2020, Westpac has become the last of Australia's big four banks to announce Apple Pay support for its customers.[154]

On June 1, 2020, Octopus card was launched in Apple Pay and the cards could be used in Hong Kong public transport, convenience stores, etc.. Only iPhone 8 and Apple Watch Series 3 or newer models were supported due to the Octopus card using FeliCa technology. Other models, including iPhone 7 series sold in Japan that support FeliCa, do not support the Octopus card.[155][156]

Raiffeisen Bank (Serbia) has announced changes to its terms and conditions, effective June 15, 2020, announcing that Apple Pay will be available for Visa cards issued by the bank,[157] with Serbia becoming a new market for Apple Pay. The same month, it was announced that the European Commission (EC) will take two probes against Apple, the one being against Apple Pay. According to EC, "Apple is 'abusing' its control of the wallet through a policy that blocks third-party payment access to its NFC hardware, which enables contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a result of the increased number of people using contactless paying.[158]

On June 30, 2020, MastercardSerbia has enabled its customers who are clients of ProCredit BankSerbia to use Apple Pay.[159] On the same day Raiffeisen Bank (Serbia) offered Apple Pay to its Visa clients.[160] On the same day, OTP BankSerbia announced the arrival of Apple Pay on its Twitter account.[161]

On July 21, 2020, OTP BankSerbia announced that its Mastercard customers could now use Apple Pay.[162] On the same day Erste BankCroatia offered Apple Pay to its Visa clients.[163]

On August 6, 2020, Pasmo announced that its service will be available on Apple Pay within 2020.[164]

On August 18, 2020, UBS Switzerland, the largest bank of the country, announced that their customers could now use their UBS Credit or Prepaid Card with Apple Pay.[165] On the same day, the Dutch branche of American Express announced support for Apple Pay for all American Express and Flying Blue American Express cardholders in the Netherlands.[166] In Portugal, Banco Santander Portugal launched Apple Pay for its customers.[167]

On August 25, 2020, German public savings bank Sparkasse announced support for the widely used German national debit card scheme Girocard, making it the first German bank to support it.[168]

On October 6, 2020, Pasmo service was available on Apple Pay and Express Transit mode.[169][170]

On October 13, 2020 the section dedicated to Apple Pay on Apple's website for Mexico became operational, announcing that the service was coming soon to the country.

On November 3, 2020, Apple Pay became operational for Bank of Ireland customers. In Bulgaria, First Investment Bank brought Apple Pay to customers with Visa cards.[171]

On December 2, 2020, Banca Intesa BeogradSerbia announced that its Visa customers could now use Apple Pay.[172]

On December 9, 2020, Paysera brings Apple Pay to customers. Paysera network companies also operate in Latvia, Estonia, Bulgaria, Romania, Kosovo, and Albania.[173]

On December 11, 2020 the section dedicated to Apple Pay on Apple's website for Mexico was modified to announce that the service will be available in the country in 2021.

On December 31, 2020, New York City's Metropolitan Transportation Authority completed the rollout of its new OMNY fare payment system, bringing Apple Pay support to every bus and subway station in the city.[174]

2021[edit]

On February 23, 2021, Banorte and Citibanamex announced that its Mastercard customers could now use Apple Pay. Apple Pay is also available for American Express cards.[175][176][177]

On March 2, 2021, Raiffeisen Bank (Serbia) offered Apple Pay to its MasterCard clients.[160] On the same date, Banco Inter, a Brazilian digital-only bank, started to offer Apple Pay support for their debit and credit cards.[178]

On March 23, 2021 HSBC and Inbursa announced that their customers in Mexico could now use Apple Pay with their Mastercard credit and debit cards.

On March 30, 2021, Apple Pay launched in South Africa through banks Nedbank, ABSA and Discovery Bank, supporting American Express, Mastercard and Visa cards[179][180][181]

On April 20, 2021, Banca Intesa BeogradSerbia announced that its MasterCard customers could now use Apple Pay.[172]

On April 20, 2021, Bulgarian Postbank announced that its customers could now use Apple Pay as a means of payment.[182]

On May 5, 2021, Apple Pay launched in Israel, allowing customers of Bank Hapoalim, Bank Leumi, Bank Massad, Bank Mizrahi-Tefahot, Israel Discount Bank and First International Bank of Israel, as well as non-bank credit card holders of Isracard, CAL and MAX to use the service with American Express, Mastercard and Visa cards.[183]

On May 18, 2021, Investec announced that their customers in South Africa could now use Apple Pay with their Visa cards.[184][185]

On July 20, 2021, Erste BankMontenegro announced that their customers could now use Apple Pay with their Mastercard cards.[186]

On August 3, 2021, FNB announced that their customers in South Africa could now use Apple Pay with their physical Visa cards and virtual cards.[187]

On August 3, 2021 support became available to add Visa cards from several banks/issuers in Mexico.

On August 3, 2021, Trans.card Bulgaria announced that its customers could now use Apple Pay as a means of payment.[188]

On August 16, 2021, Central Cooperative Bank Bulgaria announced that their customers could now use Apple Pay with their Mastercard cards.[189]

On August 18, 2021, QNB Group and Dukhan BankQatar announced that their customers could now use Apple Pay.[190][191]

On August 30, 2021, Byala Karta Bulgaria (White Card Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[192]

On September 7, 2021, United Bulgarian Bank announced that its customers could now use Apple Pay as a means of payment.[193]

On October 5, 2021, Bank of Bahrain and Kuwait , National Bank of Bahrain and ila Digital Bank - Bahrain announced that their clients could now use Apple Pay.[194][195][196] Apple Pay also available in Palestine.[197]

On November 2, 2021, Apple Pay launched in Azerbaijan through banks ABB,[198]Kapital Bank,[199]Unibank,[200]Bank Respublika[201] and Leobank,[202]Colombia through Bancolombia,[203] and Costa Rica[204]

On November 16, 2021 support for Apple Pay rolled out to customers of Pasha Bank in Azerbaijan.[205]

Availability[edit]

Global availability of Apple Pay

  Available (69 countries and territories)

Supported countries[edit]

Apple Pay is available in 69 countries and territories worldwide[206]

Date Support for payment cards issued in
October 20, 2014 United States
(except  Puerto Rico & other unincorporated territories)
July 14, 2015 United Kingdom
(excluding British Overseas Territories)
November 17, 2015 Canada
November 19, 2015 Australia
February 18, 2016 China
April 19, 2016 Singapore
July 7, 2016  Switzerland
July 19, 2016 France
 Monaco
July 20, 2016 Hong Kong
October 4, 2016 Russia
October 13, 2016 New Zealand
October 25, 2016 Japan
December 1, 2016 Spain
March 7, 2017 Guernsey
 Ireland
 Isle of Man
 Jersey
March 29, 2017 Taiwan
May 17, 2017 Italy
 San Marino
  Vatican City
October 24, 2017 Denmark
 Greenland
 Finland
 Sweden
 United Arab Emirates
April 4, 2018 Brazil
May 17, 2018 Ukraine
June 19, 2018 Poland
June 20, 2018 Norway
November 28, 2018 Kazakhstan
 Belgium
December 11, 2018 Germany
February 19, 2019 Czech Republic
 Saudi Arabia
April 24, 2019 Austria
May 8, 2019 Iceland
May 21, 2019 Hungary
 Luxembourg
June 11, 2019 Netherlands
June 26, 2019 EU (All Parts)
 Bulgaria
 Croatia
 Cyprus
(except  Northern Cyprus)
 Estonia
 Greece
 Latvia
 Liechtenstein
 Lithuania
 Malta
 Portugal
 Romania
 Slovakia
 Slovenia
July 2, 2019 Faroe Islands
August 6, 2019 Macau
September 3, 2019 Georgia
November 19, 2019 Belarus
January 28, 2020 Montenegro
June 30, 2020 Serbia
February 23, 2021 Mexico
March 30, 2021 South Africa
May 5, 2021 Israel
August 17, 2021 Qatar
October 5, 2021 Bahrain
 Palestine
November 2, 2021  Azerbaijan
 Colombia
Costa RicaCosta Rica

Supported payment networks and card schemes[edit]

  • Visa (worldwide. Japanese Visa cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[207]
  • Visa Electron (worldwide)
  • V Pay (only in Europe)[208]
  • Mastercard (worldwide. Japanese Mastercard cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[209]
  • Maestro (worldwide)
  • American Express (worldwide. Japanese American Express cards in Apple Pay also function as FeliCa-based QUICPay cards in addition to EMV contactless cards.)[210]
  • Discover Card (only in the United States)[211]
  • U.S. Debit (only in the U.S. CDCVM may not be supported, requiring the customer to enter their PIN on the terminal.)
  • Diners Club International (only in Japan. Only function as FeliCa-based QUICPay cards and do not support the global EMV contactless standard.)
  • JCB (worldwide. Japanese JCB cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)
  • Cartes Bancaires (CB) (only in France) [212]
  • Interac (only in Canada) [213]
  • EFTPOS (only in Australia)[214]
  • China UnionPay (worldwide)[215]
  • China T-Union (select cities in China)
  • Suica, PASMO, iD, QUICPay, WAON, and nanaco (only in Japan. FeliCa-supported iPhone and Apple Watch models only.)[216][217][218]
  • SPTC transit card (only in Shanghai) [219]
  • Yikatong (only in Beijing)[220]
  • mada (only in Saudi Arabia)[221]
  • Clipper (only in San Francisco Bay Area, California, United States)[222]
  • Hop Fastpass (only in Portland, Oregon, United States)[223]
  • SmarTrip (only in Washington, D.C., United States)[224]
  • TAP (only in Los Angeles, California, United States)[225]
  • Ventra (only in Chicago, Illinois, United States)[226]
  • Elo (only in Brazil)[227]
  • Octopus (only in Hong Kong. FeliCa-supported iPhone and Apple Watch models only.)[228]
  • girocard (only in Germany)[229]
  • Mir (only in Russia)[230]

Supported loyalty programs[edit]

These programs are conveyed through NFC via Apple Pay's VAS protocol.

Usage within public transport systems[edit]

For public transport systems where payment cards can be used, passengers can travel with Apple Pay without authenticating each transaction. Express Transit/Travel mode is available in the following places:[247]

Country/Region Scenario Fare Payment Method(s)
BelarusAll stations of Minsk MetroDebit and credit cards
China mainland[248]All forms of transit and stores that accept Beijing Transit cards Beijing Transit Card[note 1]
All forms of transit that accept Shanghai Transit cards and selected forms of transit that accept China City Union cards Shanghai Transit Card[note 1]
All forms of transit that accept China T-Union cards Beijing T-Union Transit Card, Changsha Transit Card, Changzhou Transit Card, Chaozhou Transit Card, Dalian Transit Card, Foshan Transit Card, Guangzhou Transit Card, Heyuan Transit Card, Jiangmen Transit Card, Jieyang Transit Card, Jinan Transit Card, Maoming Transit Card, Nanchang Transit Card, Nanjing Transit Card, Shanwei Transit Card, Shanghai T-Union Transit Card, Shaoguan Transit Card, Shenzhen Transit Card, Shijiazhuang Transit Card, Suzhou Transit Card, Xiamen Transit Card, Xi'an Transit Card, Xuzhou Transit Card, Yunfu Transit Card
All stations of Beijing Subway and Beijing Suburban RailwayYitongxing Miaotong Card
FinlandAll Föli transit operators Debit and credit cards
Hong KongAll forms of transit and stores that accept Octopus Octopus[249]
JapanAll forms of transit and stores that accept Suica Suica
All forms of transit and stores that accept PASMO PASMO[250]
United KingdomAll Arriva UK Bus transit operators Debit and credit cards
All First Bus Group transit operators Debit and credit cards
All stations of Transport for LondonDebit and credit cards
United StatesAll forms of transit that accept Ventra Ventra[251]
All forms of transit that accept TAP TAP
All stations of Metropolitan Transportation AuthorityDebit and credit cards
All forms of transit that accept Hop FastpassHop Fastpass, debit and credit cards
All forms of transit that accept Clipper Clipper
All forms of transit that accept SmarTrip SmarTrip

In addition to the above scenarios, Apple Pay can still be used with other non-Express Transit/Travel readers that accept contactless open loop payment cards, but they will have to be verified beforehand.

Supported car keys[edit]

These car models can be unlocked and started via NFC with the iPhone XR, iPhone XS or later, and Apple Watch Series 5 or later. Car models that support operation via UWB will require an UWB compatible device, such as the iPhone 11 or later or the Apple Watch Series 6 or later.[252]

Main article: List of digital keys in mobile wallets

Supported campus identifications[edit]

Main article: List of campus identifications in mobile wallets

Reception[edit]

Reviews[edit]

Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[6][32] including those of PayPal, Walmart, Target,[6]Google Wallet, and Softcard.[32] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[6]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".[6]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.[32] 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".[12] 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.[12]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[253][254]The Verge'sNilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[253] 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.[253]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.[254]

In a 2018 publication released by Consumer Reports, Apple Pay was the leading payment service.[255]

Adoption[edit]

Paying for coffee with Square'scontactless + 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,[256] making it the largest mobile payment system in the US at the time.[257] There were 220,000 participating vendors when it launched.[258][259] Outside the United States and the United Kingdom, Apple Pay can be used with American and British payment cards at compatible NFC-based payment terminals.[260][261][262]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialing 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,[12][263][264] although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015.[265][266]Best Buy has begun to accept Apple Pay at all stores starting in October 2015.[267]

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.[268] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its US stores.[269]

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.[270][271][272][273]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[274] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[275]

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.[276]

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.[277]

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.[278]

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.[279]

On September 7, 2016, Wayfair announced that they will support Apple Pay in Safari on iPhone, iPad, and Mac at launch.[280]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[281]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[282]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.[283]

On August 21, 2019 and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.[284]

In Feb 2020, Apple Pay accounted for 5% of global card transactions.[285] On April 4, 2020 Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.[286]

Notes[edit]

  1. ^ abExisting users only

References[edit]

Источник: https://en.wikipedia.org/wiki/Apple_Pay

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If a credit card is declined, we will not attempt to process the credit card payment again. We will reject your application, petition, or request for lack of payment.

Rejection Notices

If we reject your first tennessee personal banking online, we will send you a notice explaining why we rejected it.

If you file a corrected application, petition, or request, and wish to pay again by credit card, you will need to include a new Form G-1450.

Avoid Immigration Scams

Learn how to protect yourself from common immigration services scams, and where to report suspected fraud, at Avoid Scams.

And remember, the current versions of all USCIS forms are always available for free at uscis.gov/forms.

Источник: https://www.uscis.gov/forms/filing-fees/pay-with-a-credit-card

Digital Wallet

Make quick, secure payments using your smart phone, tablet, or wearable device.  A digital wallet lets you make purchases without ever reaching for your physical Visa® debit or credit card, you simply use your mobile device to pay.  A digital wallet is simple, secure and free to use.

  • Save the hassle of carrying plastic cards that can be lost or stolen. 
  • Securely make payments without transmitting your card number or name. 
  • Reduce your chance of fraud. 
  • Pay quickly and easily using your mobile device.

Digital Wallets tend to be more secure as they do not hold your card information. Instead, encrypted keys are passed during the transaction and the retailer never sees your actual card number or name. This additional layer of security helps reduce the chance that your information could be accessed or stolen.

It's Easy to Get Started!

  • Download the appropriate app. iPhones® already have the Wallet app installed, and many Android® phones do too. 
  • Load your Park State Bank Debit or Credit Card. The app will walk you through the process and makes it easy by using the camera to capture your card info.
  • Note: Many iPhone customers won’t have to do this step if they are using the card they have set up in their iTunes/Apple account.
  • You may be prompted to call the bank for verification. 

  For bmo close account online information regarding these specific wallets or to download the app, please click on the us bank visa apple pay below.

USE YOUR DIGITAL WALLET WHEREVER YOU SEE ONE OF THESE SYMBOLS AT CHECK-OUT: 

Have questions about the Digital Wallet? Contact us.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.  Android, Android Pay, and the Android Logo are trademarks of Google Inc. Samsung, Samsung Pay, Samsung Galaxy and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co.

Источник: https://www.parkstatebank.com/digital-wallet

Apple and US Banks' Relationship is Strained Due to Costs of Apple Pay Transactions

Sophie Webster, Tech Times what is the routing number for first interstate bank

Apple

Apple and US banks' relationship is starting to show strain, according to a new report.

The report stated that major banks like Capital One, JPMorgan Chase, and Bank of America are unhappy with the costs linked with Apple Pay transactions, especially after Apple introduced its own Apple Card product back in 2019.

Apple vs. US Banks

According to The Wall Street Journal, the tech giant agreed not to build a card processing network to compete with Visa and Mastercard. It is part of its push for Apple Pay adoption.

Banks pay Apple a certain fee whenever a cardholder uses the card for an Apple Pay transaction. It is a portion of the existing interchange fees.

The fees vary worldwide and by the card issuer, but in the United States, it is believed to be 0.15% of a credit card transaction and 0.5 cents for a debit card transaction.

Also Read: Apple Users Can Now Use Apple Pay For iTunes, App Store, Apple Music, and iCloud Purchases

What the Banks Want

The Wall Street Journal reports that US banks want the fees to change. The banks even asked Visa to change how it processes certain Apple Pay transactions. Banks are now asking that the fees that are paid to Apple be lowered.

Visa has agreed to implement this change in 2022, but Apple and Visa are currently in discussion, and the changes may be dropped. Apple executives have told Visa that they do not want the changes to be implemented.

The report stated that the change would apply to all recurring automated payments. If the changes happen, this would mean that Apple would not get fees on recurring transactions like streaming services and memberships processed with Apple Pay after the first transaction.

Visa revealed its planned technical change with some banks in the next few months. A document reviewed by the Journal did not mention the fees once the change was implemented.

However, the document revealed a change to the tokens that Visa uses for mobile-wallet payment, according to 9to5Mac.

Visa issues a special token whenever a user loads the skeleton key in hindi download credit card onto Apple Pay. It then replaces the user's card number.

This process lets the card work on Apple Pay, and it also helps keep the credit and debit card secure from a data breach.

Apple Pay's security was questioned earlier this year after researchers said it is easy to hijack the transactions, but Apple stated that the service has tight security features.

Apple Pay was also hit with its 5th lawsuit for infringement earlier this year, but that was also resolved.

Visa's Automated Can you trade forex on td ameritrade plans to begin using a different token on all recurring automated payments. After the first transaction is made, Apple will no longer receive any fees on the next transactions, according to The Mac Observer.

The report also shows how the relationships between Apple, Visa, and Mastercard works. This includes the report that Apple agreed not to develop its own card network to compete with the two. Apple Card is currently powered by Mastercard.

US banks and card networks are not satisfied with Apple Pay ever since it was launched and adopted in 2014. Some bank executives were also angered when Apple partnered up with Goldman Sachs to launch Apple Card in 2019.

Apple said in a statement that it works with thousands of banking partners worldwide to offer Apple Pay to customers. It is offered in almost 60 countries and regions.

Apple wants its bank partners to continue to see the benefits of providing Apple Pay to users. The company is also looking for new ways to implement and promote the service for secure purchases.

Related Article: Apple Pay Limit: Woman Buys $1 Worth Banana; Instead, Charged with $2,210

This article is owned by Tech Times

Written by Sophie Webster

ⓒ 2021 TECHTIMES.com All rights reserved. Do not reproduce without permission.

Tags:AppleApple PayUS banksJPMorgan Chase

Источник: https://www.techtimes.com/articles/266241/20211005/apple-banks-relationship-strained-due-costs-pay-transactions.htm

Unhappy Banks ask Visa to Eliminate Fees for Apple Pay Transactions

Big banks are reportedly unhappy with fees associated with Apple Pay transactions, and have asked Visa to eliminate them, jose cuervo silver report says on Tuesday (viaWSJ).

Apple Pay Fees

The report says that banks such as Capital One, Bank of America, and JPMorgan Chase have “grown unhappy with the costs” of Apple Pay. Currently, every time a person uses Apple Pay banks must pay Apple a fee for every transaction. In the U.S. this is 0.15% for purchases made with a credit card and an estimated $0.23 to $0.57 for debit cards.

The banks are asking Visa to change the way it handles these transactions. One proposal would be to eliminate the fees for “recurring automated payments” like subscriptions. Banks would only pay Apple for the first recurring transaction.

When consumers load their credit card onto Apple Pay, Visa issues a special token that replaces the card number. That allows the card to work on Apple Pay and also helps keep the card secure in a potential data breach, among other benefits.

Visa plans to start using a different token on recurring automated payments. That effectively means that after a first payment is made on a subscription, Apple won’t get fees on the following transactions.

Visa and Apple are in discussion about the proposed change, and Apple understandably opposes the move.

Источник: https://www.macobserver.com/news/visa-cut-apple-pay/

Apple Pay

Mobile payment and digital wallet service

Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari. It is supported on the iPhone, Apple Watch, iPad, and Mac. It is not available on any client device that is not made and sold by Apple (in particular, it cannot be used on any Android device, nor on any browser running on Windows). It 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, 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.

Originally launching in the United States, Apple Pay is available in Israel, Azerbaijan, Bahrain, the United Kingdom, Canada, Australia, Brazil, Mexico, Colombia, Costa Rica, the United Arab Emirates, Saudi Arabia, Qatar, Russia, Ukraine, Kazakhstan, China, New Zealand, Singapore, Hong Kong, Japan, Macau, Georgia, Belarus, Montenegro, Serbia, South Africa, and all countries in the European Economic Area (EEA).[1] Apple Pay supports both international payment schemes—such as American Express, Visa (including Electron and V Pay), Mastercard (including Maestro), and Discover—as well as country-specific domestic payment schemes like China's UnionPay, Japan's JCB, France's Cartes Bancaires, Canada's Interac, Australia's eftpos, Saudi Arabia's mada, Germany's Girocard and Russia's Mir. Participating banks vary by region.

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, and at OMNY readers across New York City's subway 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[edit]

Device compatibility[edit]

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and all Apple Watches. It can store between 8–16 cards (passes such as loyalty cards and tickets do not count against this limit.)[3]

Technology[edit]

Apple Pay uses[4] the EMV Payment Tokenisation Specification.[5]

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".[6] 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.[6]

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,[6][7] or passcode,[7] whereas Apple Watch users authenticate by double-clicking a button on the device.[8] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[6] 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.[9] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a Japanese Credit card generator 2018 with money working card, which stores the user's balance on the card itself and 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)[10] 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).[11] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[6] 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.[12]Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[13] 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.[14][15] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, in addition, the bank pays 45 rubles a year for each card added in the service.[16]

Consumer Device Cardholder Verification Method (CDCVM)[edit]

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 optum vision care 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 £45 limit in the United Kingdom and 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.[17]

Express Transit or Express Travel[edit]

Since iOS 12.3, supported credit and debit cards, as well as some stored-value transport cards (such as Shanghai & Beijing transit cards, Suica, MTA and TriMet) can be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID.[18] Once a supported credit, debit or transit card is selected as a user's Express Transit/Travel card, the user can simply hold their device near the card reader, for example at ticket barriers, to initiate or authorise payment for the journey.

Within iOS, the functionality is labelled as "Express Transit" in North America and "Express Travel" in most other English-speaking countries, because "transit" in most varieties of English has a narrower meaning of travelling through a jurisdiction or airport during a journey as opposed to travel or transport in general.

On iPhone XR, iPhone XS, iPhone XS Max and later, Express Transit/Travel cards can be used up to five hours on Power Reserve after the device has powered off due to a drained battery. The typical low-battery icon will display with "Express Cards Available" text appearing at the bottom of the display, letting users know that Express Transit/Travel is still available for usage.

(Express Mode more generally is also available for contactless student ID cards stored in the Wallet app[19] as well as digital car keys.[20]

A security flaw was reported in September 2021 whereby Visa cards configured for Express Travel/Transit can be charged with unlimited amounts by non-transport merchants without user authentication.[21][22][23]

Global acceptance[edit]

About two-thirds of merchants accept Apple Pay, but many terminals don't.[24] 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:

  • Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a 'Could Not Complete Payment' error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash[edit]

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 Discover. Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. Apple Cash is only available in the United States.[25][26]

Cost[edit]

Apple Pay does not cause additional fees for users and merchants. A card holder has a contract with the card issuer. A merchant has a contract with an acquirer. The acquirer has a contract with the card issuer. In Switzerland, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed commission 0.275 CHF (0.26 USD) 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 card my yard discount. The competition comission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers income earned from the acquirer.[27][28][29][30][31]

History[edit]

2013[edit]

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[6] 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.[12] A Visa executive said that 750 people at sarah banks com company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration.[32] MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments".[32] 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.[6] 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.[12]

2014[edit]

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".[6] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[6][8][33] The company announced an API for app developers to build Apple Pay checkout into their apps.[6]

2015[edit]

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.[34] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[35] and Chinese users could start to use Apple Pay on February 18, 2016.[36]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[37]

2016[edit]

On March 8, 2016, ExxonMobil officially launched Apple Pay support within its Speedpass+ iOS app, letting customers pay for gas or car washes directly from their iPhone, eliminating the need to use the ExxonMobil's physical NFC Speedpass keychain token at the point of transaction.[38]

On April 27, 2016, ANZ made Apple Pay available to their American Express and Visa cardholders in Australia.[39][40]

On May 4, 2016, Kohl's became the first retailer to allow the use of Apple Pay with Kohl's Charge Cards or other credit or debit cards enrolled with Apple Pay and simultaneously earn Yes2You Rewards[41] loyalty points with a single tap using Apple Pay. JC Penney announced that they would be rolling out the same in the near future.[42]

On May 10, 2016, Apple Pay expanded the service in Canada to customers of RBC, CIBC, ATB Financial and Canadian Tire Bank. The expansion includes varying support for Visa, MasterCard, and Interac, covering most major debit and credit cards in Canada. Apple Pay was previously only available in Canada for non-bank-issued American Express cards. Apple Pay was expanded to TD Canada Trust, Scotiabank, and the Bank of Montreal in June to complete the rollout across Canada's Big Five financial institutions.[43] Apple Pay support is also coming soon to Air Canada, Aldo Group, Domino's Pizza, Pizza Pizza, Zulily, and the Toronto Transit Commission. Additionally, the payment service is integrated into the iPhone and iPad applications for the Apple Store, Delta Air Lines, Etsy, Fancy.com, Groupon, Kickstarter, Priceline.com, Starbucks, Ticketmaster, Uber, and Zara starting in June 2016.[44]

On May 19, 2016, Chime Banking initiated its support of Apple Pay.[45]

Apple Pay launched in Singapore on April 19, 2016, with American Express issued cards. On May 25, 2016, this was extended to support Visa and MasterCard credit and debit cards issued by Singapore's five major banks, translating to about 83 percent of credit and debit cards in the country.[46]

BMO, Scotiabank, and TD Canada Trust, which make up three of the five largest banks in Canada, rolled out Apple Pay support on June 1, 2016.[47]

On June 1, 2016, KFC has announced that it accepts Apple Pay at some of its U.S. restaurants, with nationwide adoption to be completed by the end of the summer.[48]

On June 3, 2016, GrubHub began accepting payment from its customers using Card in the yard maryland Pay on its two applications; Grubhub and Seamless.[49] The company is keeping up with its rivals in adopting the payment service as Caviar, DoorDash, and Postmates.[50]

Apple announced at its WWDC us bank visa apple pay keynote on June how to activate walmart prepaid debit card, 2016, that Apple Pay will be entering three new markets; France, Hong Kong, and Switzerland over the following months in partnerships with Visa, Mastercard, and American Express. Visa and Mastercard cards will be supported in all three markets, while American Express will also be available in Hong Kong. The specific credit, debit, and prepaid cards that can be used in each country vary depending on the participating issuers[51]

  • France at launch will include Banque Populaire, Boon, Caisse Epargne, Carrefour Banque, Orange, and Ticket Restaurants. It will also be accepted at many retailers in France, including Apple, Bocage, Boulanger, Cojean, Dior, Fnac, Le Bon Marché, Louis Vuitton, Orange, Pret a Manger, Parkeon, Sephora, and at other locations where contactless payments are already accepted.[52]
  • Hong Kong at launch will include the Bank of East Asia (BEA), Bank of China (Hong Kong), DBS Bank (Hong Kong), Hang Seng Bank, HSBC, and Standard Chartered. Apple Pay will also be accepted at 7-Eleven, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald's, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and at other locations where contactless payments are already accepted.
  • Switzerland's launch of the service was on July 7, 2016, with Mastercard and Visa.[53] Initial banks deploying Apple Pay in Switzerland include Bonus Card, Cornèr Bank [de] (Cornèrcard), and Swiss Bankers. Apple Pay will also be accepted at retail locations of Aldi Suisse, Apple, Avec, Hublot, K Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and at other locations where contactless payments are already accepted.
  • A month after Apple Pay launched in Hong Kong, the service has expanded to The Bank of East Asia (BEA) and Hong Kong Telecom (HKT)'s Tap & Go contactless payments network.[54]

On June 26, 2016, Bendigo & Adelaide Bank alongside Commonwealth Bank, National Australia Bank and Westpac sought authorization from the Australian Competition & Consumer Commission (ACCC) for third party access to the iPhone's NFC chip (limited to Apple Pay) in order to distribute their own mobile wallet without any delays nor interference from Apple and also to collectively negotiate passing Apple Pay fees to cardholders. This action received support from the likes of Heritage Bank, Tyro Payments and Coles. An interim authorization, however, was not granted on August 19, 2016. A draft determination also denied the authorization on November 29, 2016. After a three-month extension, the ACCC released a determination denying authorization on March 31, 2017. During this time, the banks involved in this action held a collective boycott of the service.[55]

Under a partnership with American Express, Hong Kong and Spain will also get Apple Pay support in 2016.[56]

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[57] 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.[57][58]Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.[59]

On August 18, 2016, Apple announced it has added Apple Pay support for customers of Yorkshire Bank and Clydesdale Bank in the United Kingdom.[60]

On August 29, 2016, ANZ expanded their support for Apple Pay to support MasterCard holders in Australia.[61]

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.[62][63][64]

Taiwan's Financial Supervisory Commission began accepting applications from the country's banks offering Apple Pay to their customers on September 28, 2016. This includes the banks; CTBC Bank, Cathay, United Commercial Bank, E.SUN Commercial Bank, and Taishin International Bank.[65]

On October 13, 2016, Apple Pay rolled out in New Zealand, available to customers with Visa credit or debit cards issued by ANZ.[66]

On November 15, 2016, Apple Pay was made available to credit unions and minor banks under the Cuscal network in Australia.[67]

On December 1, 2016, Apple Pay started operating in Spain available to customers with cards issued by American Express, Banco Santander, Ticket Restaurante and Carrefour.[68]

2017[edit]

On January 13, 2017, ANZ was one of the first banks to release an instant provisioning service with Apple Pay in Australia, this allowed for customers to utilize the service even when they lost or had their card stolen.

On January 28, 2017, Credibanco and Redeban Multicolor enabled contactless payments such as Apple Pay; it was available by virtual prepaid card service like Boon Payment by Wirecard, Square Cash by Squareup and Yandex Money. Also, Apple Pay enabled bank cards are accepted.

On March 7, 2017, Ulster Bank and KBC Bank Ireland became the first banks in Republic of Ireland to launch Apple Pay.[69][70]

On March 29, 2017, Apple Pay launched in Taiwan with seven banks.

On May 17, 2017, Apple Pay launched in Italy (including San Marino and Vatican City) with boon., Unicredit and Carrefour Bank, also introducing support for Mastercard's Maestro and Visa's VPay, not available to use with Apple Pay in other countries.

On May 18, 2017, Apple Pay expanded in Ireland to include bank Allied Irish Bank.

On October 17, 2017, Apple Pay rolled out to the eftpos card network in Australia, marking the first card tokenisation service of the network. The rollout was only limited to ANZ Access cards and could only be used in physical stores.[71]

On October 23, 2017, Apple Pay expanded to Sweden, Denmark, Finland, and the United Arab Emirates.[72]

On October 24, 2017, BNZ (Bank of New Zealand) became the second bank in New Zealand to offer Apple Pay to their customers with eligible Visa cards.[73]

On November 28, 2017, Bendigo Bank was the first bank after the denied ACCC authorization to roll out Apple Pay to its Mastercard customers.[74]

2018[edit]

On February 1, 2018, Apple has confirmed that Apple Pay will arrive in Brazil as it announces its fiscal first-quarter results for 2018.

On March 28, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced support for multiple mobile wallets, one being Apple Pay.[75]

On March 30, 2018, iOS 11.3 released, Apple Pay supports the Shanghai Public Transport Card (SPTC) and Beijing Transportation Card for local buses, subways and other public transportation. The SPTC can also be used for public transportation in cities that have joined the City Union plan.[76]

On April 4, 2018, Apple Pay launched in Brazil with Itaú Unibanco (including Credicard).[77]

On May 1, 2018, Apple has confirmed that Apple Pay will arrive in Norway, Poland, and Ukraine as it announces its fiscal second quarter results for 2018.

  • On May 17, 2018, Apple Pay launched in Ukraine with PrivatBank.[78]
  • On June 19, 2018, Apple Pay launched in Poland with Alior Bank, BGZ BNP Paribas, BZ WBK, Getin Bank, mBank, Nest Bank, Pekao, and Raiffeisen Polbank.[79]
  • On June 20, 2018, Apple Pay launched in Norway with Nordea, Santander, and Sbanken.[80]

On July 31, 2018, Tim Cook announced on the Q3 2018 Earnings Call, that Apple Pay would launch capital one platinum secured credit increase Germany later in 2018.[81]

On August 14, 2018, Apple Pay expanded in Brazil to include Banco Bradesco and Banco do Brasil.[82]

On September 18, 2018, similar to the Bank of America ATM rollout, ANZ made their contactless ATM available to all mobile wallets including Apple Pay. Contactless withdrawals were previously exclusive to their proprietary ANZ Mobile Wallet app.

On November 5, 2018, Apple announced the launch banks for the upcoming launch in Germany. This includes Deutsche Bank, HypoVereinsbank, comdirect, Fidor Bank, Hanseatic Bank, N26, bunq, VimPay and boon. by Wirecard.[83] American Express will also support all self-issued cards from launch. Payments networks include American Express, Mastercard (along with the debit brand Maestro), and Visa. The German national debit card scheme Girocard will not be part of the launch.

On November 8, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced their instant provisioning service, being the second bank in Australia to do so. It also allows for customers to start using the banking service with Apple Pay before their physical card arrives.[84]

On November 28, 2018, Apple Pay launched in Belgium with an exclusive partnership with BNP Paribas Fortis, along with its subsidiaries Fintro and Hello bank![85] and support for the MasterCard, Maestro and Visa payment networks. In Kazakhstan Apple Pay launched with support from ATFBank, Eurasian Bank, Halyk Bank, Sberbank, Bank CenterCredit and ForteBank.[86]

On December 11, 2018, Apple launched Apple Pay in Germany along with a press conference at the Allianz Arena in Munich, the home stadium of the major football team Bayern München.[87] Apple also announced more banks to follow in 2019, including the major banks DKB, ING, Consorsbank (BNP Paribas), Consors Finanz (BNP Paribas), and the British FinTech Revolut. Meanwhile, on the same day as the launch in Germany, the German Public Savings Banks Association (DSGV / Sparkasse), with the largest share of consumer banking in Germany, has announced that it is seeking to gain access to the NFC chip in iPhones for their own proprietary payment solution.[88]

On December 14, 2018, Commonwealth Bank announced Apple Pay on its social media, which would launch in January 2019 for its customers.[89]

2019[edit]

On January 14, 2019, Apple Pay was confirmed by local banks in Czech Republic,[90] where it is expected to launch on February 19,[91] and Slovakia and Slovenia with launch expected during March.[92]

On January 18, 2019, Apple Pay announced support for dual-network debit cards in Australia. ANZ Visa debit cardholders can choose to pay via the Visa network (credit) or the Eftpos network (savings and cheque).[93]Eftpos also announced that Apple Pay can be used for cash out at Bunnings Warehouse and McDonald's with more participating retailers rolling out later.[94]

On January 22, 2019, Apple reportedly rejected a plan to launch[95] Apple Pay in Belarus.

On January 23, 2019, after two years of the declined ACCC determination, Commonwealth Bank and its subsidiary Bankwest rolled out Apple Pay to personal cardholders.[96][97]

On January 28, 2019, news surfaced in Germany[98] that the Volks- and Raiffeisenbanken (through BVR - National Association of German Cooperative Banks) were in negotiations to launch Apple Pay later in 2019. The co-operative banks are one of the three main pillars of Germanys unique retail banking structure, with a market share of around 20%.[99]

On March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[100]

On March 27, 2019, Austrian bank Erste Bank und Sparkasse, prepaid service boon. from Wirecard, German bank N26, Slovakian bank Slovenská sporiteľňa,[92] and Romanian banks ING Bank Romania and Banca Transilvania announced that Apple Pay is coming soon to Austria, Romania, Estonia, Greece, Portugal, and others.[101][102][103] An upcoming announcement had become apparent after Austria had been marked as a supported country in an Apple Pay world map shown during the Apple Keynote earlier that week.[104]

On April 2, 2019, Apple Pay had its first addition of banks in Germany after the launch in late 2018.[citation needed]Consors Finanz (BNP Paribas), Monese, Viabuy,[105] Crosscard,[106] and Fleetmoney[107] joined the 12 launch banks.[citation needed]Westpac New Zealand launched Apple Pay on this date as well.[108]

On April 4, 2019, Slovakian bank mBank announced upcoming support for Apple Pay on their website.[109]

On April 4, 2019, BGL BNP Paribas bank announced on Twitter account that Apple Pay is coming to Luxembourg soon.[110]

On April 12, 2019, Portuguese bank Crédito Agrícula announced upcoming support for Apple Pay on their website.[111]

On April 24, 2019, Apple launched Apple Pay in Austria with Erste Bank und Sparkasse and N26. Other services marked as coming soon are, amongst others, Bank Austria, Revolut and VIMpay. In Germany, Consorsbank (BNP Paribas) was added to the list of supported banks. In Spain, interbank network EURO 6000 and all its members (ABANCA, Caixa Ontinyent, CajaSur, Cecabank, iberCaja, Kutxabank, Liberbank and Unicaja Banco) started to offer support for Apple Pay.

On April 24, 2019, Slovakian bank Tatra banka announced upcoming support for Apple Pay on their Facebook page.

On May 1, 2019, ING announced that it will bring Apple Pay to the Netherlands, being the first Dutch bank to do so.[112]

On May 8, 2019, Apple Pay launched in Iceland with Landsbankinn and Arion Bank.[113][114]

On May 15, 2019, Monese announced that they will bring Apple Pay to Bulgaria, Croatia, Cyprus, Estonia, Greece, Italy, Lithuania, Liechtenstein, Latvia, Malta, Portugal, Romania, Slovakia, and Slovenia.

On May 21, 2019, NAB and its subsidiary UBank rolled out Apple Pay. Apple Pay bank of eastman magnolia state bank available in Hungary (with Maestro and MasterCard) and Luxembourg.[115][116]Monese started supporting Apple Pay in Iceland & Norway. Portland area transit card Hop Fastpass began Apple Pay support.[117]

On May 29, 2019, Revolut started support for Apple Pay in the United Kingdom and France.

On May 30, 2019, Revolut started support for Apple Pay in Belgium, Czech Republic, Denmark, Finland, Germany, Iceland, Ireland, Italy, Norway, Poland, Spain, Sweden, and Switzerland.

On June 11, 2019, Apple Pay launched in the Netherlands with ING. Also Monese started supporting Apple Pay in Austria.

On June 12, 2019, Banca Comercială Română announced that it has been working with Apple to implement Apple Pay in Romania.

On June 18, 2019, Deutsche Kreditbank launched Apple Pay in Germany to its over 4m customers, being the 20th bank to launch the payment service to customers in the country.

On June 26, 2019, Apple Pay officially launched in Romania with the support of the following banks: Banca Transilvania, ING Bank, Unicredit Bank, Orange Money, Edenred, Revolut and Monese. In Greece Apple Pay launched with the following banks: Revolut, Monese and N26. Edenred Greece also started supporting Apple Pay. Apple Pay was also launched in the following countries: Bulgaria, Croatia, Cyprus, Estonia, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Slovakia and Slovenia. In Germany, the co-operativeVolks- und Raiffeisenbanken (through BVR)[118] and the public savings bankSparkasse announced[119] an Apple Pay launch later in 2019. The two banks have a combined retail banking market share of around 70%.

On July 2, 2019, support for Apple Pay rolled out to customers with Erste Bank (with Visa card support too) and Granit Bank in Hungary and Klarna in Germany. Moreover, Apple Pay officially launched in Faroe Islands with Betri Bank.[120]

On July 10, 2019, support for Apple Pay rolled out to customers of Islandsbanki in Iceland.[121]

On July 12, 2019, Head of the Digital Technologies Department of the General Directorate of Payment Systems and Digital Technologies of National Bank of the Republic of Belarus, Anton Padrez announced upcoming support of Apple Pay[122][123] in Belarus by the end of 2019 on FinMobile conference.

As of July 16, 2019, all countries in the European Economic Area (EEA) support Apple Pay since the expansion of Monese and Revolut.

On August 6, 2019, Apple Pay launched in Macau with Union Pay by Banco Nacional Ultramarino and Industrial and Commercial Bank of China (Macau).[124][125]

On September 3, 2019, Apple Pay launched in Georgia with Bank of Georgia,[126]TBC Bank,[127] VTB Bank Georgia[128] and Liberty Bank.[129] Moreover, four more banks in the Netherlands rolled out support for Apple Pay: bunq, Monese, N26 and Revolut.[130] Dutch banks ABN AMRO and Rabobank announced support for Apple Pay is coming soon.[131][132]N26 also started support for Apple Pay in Switzerland and Iceland.

On October 15, 2019, the major international banks ING (bring the payment service to Germany) and Deutsche Bank (expanding to Italy after Germany and Spain previously) expanded their coverage in Europe. FinTech bunq expanded Apple Pay support to Austria. Phyre rolled out support for Apple Pay in Bulgaria. ABN Amro starts supporting Apple Pay in The Netherlands.

On November 5, 2019, The Spuerkeess bank announced that its customers could now use Apple Pay as a means of payment.[133]

On November 5, 2019, First Investment Bank is the first bank in Bulgaria to roll out support for Apple Pay only with Mastercard.[134]

On November 19, 2019, Apple Pay launched in Belarus with Sber Bank[135] with support of Mastercard and Visa cards.

On December 2, 2019, Bank of Valletta is the first national bank in Malta to announce that Apple Pay support for their Visa debit and credit cards is “coming soon".[136][137] The service rolled out to customers on December 10, 2019[138][139]

On December 4, 2019, support for Apple Pay rolled out to customers of Alfa-Bank, BSB Bank, Belagroprombank, Belarusbank, Belgazprombank, MTBank, Priorbank and VTB in Belarus with support of Mastercard and Visa cards.[140][141]

On December 4, 2019, support for Apple Pay rolled out to customers of iCard Bulgaria[142]

On December 10, 2019, support for Apple Pay rolled out to customers of UniCredit Bulbank[143]

2020[edit]

On January 28, 2020, Apple Pay launched in Montenegro with Crnogorska Komercijalna Banka[144] with support of Mastercard and Visa cards.

On January 30, 2020, Curve announced that us bank visa apple pay customers could now use Apple Pay as a means of payment.[145]

On April 1, 2020, TransferWise announced that its customers could now use Apple Pay as a means of payment.[146]

On April 7, 2020, Alpha Bank becomes the first Greek bank that launches Apple Pay in Greece, only for Visa cards.[147][148]

On April 8, 2020, Beijing T-union transit card, Yikatong marked with T-union and Shenzhen transit card were launched in Apple Pay and the cards could be used to pay the fares of the public transport in more 300 cities of China. At the same time, Beijing transit card(Yikatong) was removed, but the early added cards still could be service credit union branches near me April 21, 2020, Volksbanken und Raiffeisenbanken Germany and announced that their customers could now use Apple Pay as a means of payment.[150][151]

On April 22, 2020, Raiffeisenbank (Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[152][153] On April 28, 2020, Westpac has become the last of Australia's big four banks to announce Apple Pay support for its customers.[154]

On June 1, 2020, Octopus card was launched in Apple Pay and the cards could be used in Hong Kong public transport, convenience stores, etc. Only iPhone 8 and Apple Watch Series 3 or newer models were supported due to the Octopus card using FeliCa technology. Other models, including iPhone 7 series sold in Japan that support FeliCa, do not support the Octopus card.[155][156]

Raiffeisen Bank (Serbia) has announced changes to its terms and conditions, effective June 15, 2020, announcing that Apple Pay will be available for Visa cards issued by the bank,[157] with Serbia becoming a new market for Apple Pay. The same month, it was announced that the European Commission (EC) will take two probes against Apple, the one being against Apple Pay. According to EC, "Apple is 'abusing' its control of the wallet through a policy that blocks third-party payment access to its NFC hardware, which enables contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a result of the increased number of people using contactless paying.[158]

On June 30, 2020, MastercardSerbia has enabled its customers who are clients of ProCredit BankSerbia to use Apple Pay.[159] On the same day Raiffeisen Bank (Serbia) offered Apple Pay to its Visa clients.[160] On the same day, OTP BankSerbia announced the arrival of Apple Pay on its Twitter account.[161]

On July 21, 2020, OTP BankSerbia announced that its Mastercard customers could now use Apple Pay.[162] On the same day Erste BankCroatia offered Apple Pay to its Visa clients.[163]

On August 6, 2020, Pasmo announced that its service will be available us bank visa apple pay Apple Pay within 2020.[164]

On August 18, 2020, UBS Switzerland, the largest bank of the country, announced that their customers could now use their UBS Credit or Prepaid Card with Apple Pay.[165] On the same day, the Dutch branche of American Express announced support for Apple Pay for all American Express and Flying Blue American Express cardholders in the Netherlands.[166] In Portugal, Banco Santander Portugal launched Apple Pay for its customers.[167]

On August 25, 2020, German public savings bank Sparkasse announced support for the widely used German national debit card scheme Girocard, making it the first German bank to support it.[168]

On October 6, 2020, Pasmo service was available on Apple Pay and Express Transit mode.[169][170]

On October 13, 2020 the section dedicated to Apple Pay on Apple's website for Mexico became operational, announcing that the service was coming soon to the country.

On November 3, 2020, Apple Pay became operational for Bank of Ireland customers. In Bulgaria, First Investment Bank brought Apple Pay to customers with Visa cards.[171]

On December 2, 2020, Banca Intesa BeogradSerbia announced that its Visa customers could now use Apple Pay.[172]

On December 9, 2020, Paysera brings Apple Pay to customers. Paysera network companies also operate in Latvia, Estonia, Bulgaria, Romania, Kosovo, and Albania.[173]

On December 11, 2020 the section dedicated to Apple Pay on Apple's website for Mexico was modified to announce that the service will be available in the country in 2021.

On December 31, 2020, New York City's Metropolitan Transportation Authority completed the rollout of its new OMNY fare payment system, bringing Apple Pay support to every bus and subway station in the city.[174]

2021[edit]

On February 23, 2021, Banorte and Citibanamex announced that its Mastercard customers could now use Apple Pay. Apple Pay is also available for American Express cards.[175][176][177]

On March 2, 2021, Raiffeisen Bank (Serbia) offered Apple Pay to its MasterCard clients.[160] On the same date, Banco Inter, a Brazilian digital-only bank, started to offer Apple Pay support for their debit and credit cards.[178]

On March 23, 2021 HSBC and Inbursa announced that their customers in Mexico could now use Apple Pay with their Mastercard credit and debit cards.

On March 30, 2021, Apple Pay launched in South Africa through banks Nedbank, ABSA and Discovery Bank, hotels near university at buffalo American Express, Mastercard and Visa cards[179][180][181]

On April 20, 2021, Banca Intesa BeogradSerbia announced that its MasterCard customers could now use Apple Pay.[172]

On April 20, 2021, Bulgarian Postbank announced that its customers could now use Apple Pay as a means of payment.[182]

On May 5, 2021, Apple Pay launched in Israel, allowing customers of Bank Hapoalim, Bank Leumi, Bank Massad, Bank Mizrahi-Tefahot, Israel Discount Bank and First International Bank of Israel, as well as non-bank credit card holders of Isracard, CAL and MAX to use the service with American Express, Mastercard and Visa cards.[183]

On May 18, 2021, Investec announced that their customers in South Africa could now use Apple Pay with their Visa cards.[184][185]

On July 20, 2021, Erste BankMontenegro announced that their customers could now use Apple Pay with their Mastercard cards.[186]

On August 3, 2021, FNB announced that their customers in South Africa could now use Apple Pay with their physical Visa cards and virtual cards.[187]

On August 3, 2021 support became available to add Visa cards from several banks/issuers in Mexico.

On August 3, 2021, Trans.card Bulgaria announced that its customers could now use Apple Pay as a means of payment.[188]

On August 16, 2021, Central Cooperative Bank Bulgaria announced that their customers could now use Apple Pay with their Mastercard cards.[189]

On August 18, 2021, QNB Group and Dukhan BankQatar announced that their customers could now use Apple Pay.[190][191]

On August 30, 2021, Byala Karta Bulgaria (White Card Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[192]

On September 7, 2021, United Bulgarian Bank announced that its customers could now use Apple Pay as a means of payment.[193]

On October 5, 2021, Bank of Bahrain and KuwaitNational Bank of Bahrain and ila Digital Www simmons first online banking - Bahrain announced that their clients could now use Apple Pay.[194][195][196] Apple Pay also available in Palestine.[197]

On November 2, 2021, Apple Pay launched in Azerbaijan through banks ABB,[198]Kapital Bank,[199]Unibank,[200]Bank Respublika[201] and Leobank,[202]Colombia through Bancolombia,[203] and Costa Rica[204]

On November 16, 2021 support for Apple Pay rolled out to customers of Pasha Bank in Azerbaijan.[205]

Availability[edit]

Global availability of Apple Pay

  Available (69 countries and territories)

Supported countries[edit]

Apple Pay is available in 69 countries and territories worldwide[206]

Date Support for payment cards issued in
October 20, 2014 United States
(except  Puerto Rico & other unincorporated territories)
July 14, 2015 United Kingdom
(excluding British Overseas Territories)
November 17, 2015 Canada
November 19, 2015 Australia
February 18, 2016 China
April 19, 2016 Singapore
July 7, 2016  Switzerland
July 19, 2016 France
 Monaco
July 20, 2016 Hong Kong
October 4, 2016 Russia
October 13, 2016 New Zealand
October 25, 2016 Japan
December 1, 2016 Spain
March 7, 2017 Guernsey
 Ireland
 Isle of Man
 Jersey
March 29, 2017 Taiwan
May 17, 2017 Italy
 San Marino
  Vatican City
October 24, 2017 Denmark
 Greenland
 Finland
 Sweden
 United Arab Emirates
April 4, 2018 Brazil
May 17, 2018 Ukraine
June 19, 2018 Poland
June 20, 2018 Norway
November 28, 2018 Kazakhstan
 Belgium
December 11, 2018 Germany
February 19, 2019 Czech Republic
 Saudi Arabia
April 24, 2019 Austria
May 8, 2019 Iceland
May 21, 2019 Hungary
 Luxembourg
June 11, 2019 Netherlands
June 26, 2019 EU (All Parts)
 Bulgaria
 Croatia
 Cyprus
(except  Northern Cyprus)
 Estonia
 Greece
 Latvia
 Liechtenstein
 Lithuania
 Malta
 Portugal
 Romania
 Slovakia
 Slovenia
July 2, 2019 Faroe Islands
August 6, 2019 Macau
September 3, 2019 Georgia
November 19, 2019 Belarus
January 28, 2020 Montenegro
June 30, 2020 Serbia
February 23, 2021 Mexico
March 30, 2021 South Africa
May 5, 2021 Israel
August 17, 2021 Qatar
October 5, 2021 Bahrain
 Palestine
November 2, 2021  Azerbaijan
 Colombia
Costa RicaCosta Rica

Supported payment networks and card schemes[edit]

  • Visa (worldwide. Japanese Visa cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[207]
  • Visa Electron (worldwide)
  • V Pay (only in Europe)[208]
  • Mastercard (worldwide. Japanese Mastercard cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[209]
  • Maestro (worldwide)
  • American Express (worldwide. Japanese American Express cards in Apple Pay also function as FeliCa-based QUICPay cards in addition to EMV contactless cards.)[210]
  • Discover Card (only in the United States)[211]
  • U.S. Debit (only in the U.S. CDCVM may not be supported, requiring the customer to enter their PIN on the terminal.)
  • Diners Club International (only in Japan. Only function as FeliCa-based QUICPay cards and do not support the global EMV contactless standard.)
  • JCB (worldwide. Japanese JCB cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although how to protest property taxes in tarrant county 2019 issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)
  • Cartes Bancaires (CB) (only in France) [212]
  • Interac (only in Canada) [213]
  • EFTPOS (only in Australia)[214]
  • China UnionPay (worldwide)[215]
  • China T-Union (select cities in China)
  • Suica, PASMO, iD, QUICPay, WAON, and nanaco (only in Japan. FeliCa-supported iPhone and Apple Watch models only.)[216][217][218]
  • SPTC transit card (only in Shanghai) [219]
  • Yikatong (only in Beijing)[220]
  • mada (only in Saudi Arabia)[221]
  • Clipper (only in San Francisco Bay Area, California, United States)[222]
  • Hop Fastpass (only in Portland, Oregon, United States)[223]
  • SmarTrip (only in Washington, D.C., United States)[224]
  • TAP (only in Los Angeles, California, United States)[225]
  • Ventra (only in Chicago, Illinois, United States)[226]
  • Elo (only in Brazil)[227]
  • Octopus (only in Hong Kong. FeliCa-supported iPhone and Apple Watch models only.)[228]
  • girocard (only in Germany)[229]
  • Mir (only in Russia)[230]

Supported loyalty programs[edit]

These programs are conveyed through NFC via Apple Pay's Service credit union branches near me protocol.

Usage within public transport systems[edit]

For public transport systems where payment cards can be used, passengers can travel with Apple Pay without authenticating each transaction. Express Transit/Travel mode is available in the following places:[247]

Country/Region Scenario Fare Payment Method(s)
BelarusAll stations of Minsk MetroDebit and credit cards
China mainland[248]All forms of transit and stores that accept Beijing Transit cards Beijing Transit Card[note 1]
All forms of transit that accept Shanghai Transit cards and selected forms of transit that accept China City Union cards Shanghai Transit Card[note 1]
All forms of transit that accept China T-Union cards Beijing T-Union Transit Card, Changsha Transit Card, Changzhou Transit Card, Chaozhou Transit Card, Dalian Transit Card, Foshan Transit Card, Guangzhou Transit Card, Heyuan Transit Card, Jiangmen Transit Card, Jieyang Transit Card, Jinan Transit Card, Maoming Transit Card, Nanchang Transit Card, Nanjing Transit Card, Shanwei Transit Card, Shanghai T-Union Transit Card, Shaoguan Transit Card, Shenzhen Transit Card, Shijiazhuang Transit Card, Suzhou Transit Card, Xiamen Transit Card, Xi'an Transit Card, Xuzhou Transit Card, Yunfu Transit Card
All stations of Beijing Subway and Beijing Suburban RailwayYitongxing Miaotong Card
FinlandAll Föli transit operators Debit and credit cards
Hong KongAll forms city bank lubbock texas phone number transit and stores that accept Octopus Octopus[249]
JapanAll forms of transit and stores that accept Suica Suica
All forms of transit and stores that accept PASMO PASMO[250]
United KingdomAll Arriva UK Bus transit operators Debit and credit cards
All First Bus Group transit operators Debit and credit cards
All stations of Transport for LondonDebit and credit cards
United StatesAll forms of transit that accept Ventra Ventra[251]
All forms of transit that accept TAP TAP
All stations of Metropolitan Transportation AuthorityDebit and credit cards
All forms of transit that accept Hop FastpassHop Fastpass, debit and credit cards
All forms of transit that accept Clipper Clipper
All forms of transit that accept SmarTrip SmarTrip

In addition to the above scenarios, Apple Pay can still be used with other non-Express Transit/Travel readers that accept contactless open loop payment cards, but they will have to be verified beforehand.

Supported car keys[edit]

These car models can be unlocked and started via NFC with the iPhone XR, iPhone XS or later, and Apple Watch Series 5 or later. Car models that support operation via UWB will require an UWB compatible device, such as the iPhone 11 or later or the Apple Watch Series 6 or later.[252]

Main article: List of digital keys in mobile wallets

Supported campus identifications[edit]

Main article: List of campus identifications in mobile wallets

Reception[edit]

Reviews[edit]

Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[6][32] including those of PayPal, Walmart, Target,[6]Google Wallet, and Softcard.[32] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[6]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".[6]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 city bank lubbock texas phone number 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.[32] 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".[12] 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.[12]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[253][254]The Verge'sNilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[253] 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.[253]The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic us bank visa apple pay benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.[254]

In a 2018 publication released by Consumer Reports, Apple Pay was the leading payment service.[255]

Adoption[edit]

Paying for coffee with Square'scontactless + 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,[256] making it the largest mobile payment system in the US at the time.[257] There were 220,000 participating vendors when it launched.[258][259] Outside the United States and the United Kingdom, Apple Pay can be used with American and British payment cards at compatible NFC-based payment terminals.[260][261][262]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialing 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,[12][263][264] although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015.[265][266]Best Buy has begun to accept Apple Pay at all stores starting in October 2015.[267]

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.[268] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its US stores.[269]

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.[270][271][272][273]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[274] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[275]

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.[276]

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.[277]

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it us bank visa apple pay 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.[278]

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.[279]

On September 7, 2016, Wayfair announced that they will support Apple Pay in Safari on iPhone, iPad, and Mac at launch.[280]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[281]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[282]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.[283]

On August 21, 2019 and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.[284]

In Feb 2020, Apple Pay accounted for 5% of global card transactions.[285] On April 4, 2020 Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.[286]

Notes[edit]

  1. ^ abExisting users only

References[edit]

Источник: https://en.wikipedia.org/wiki/Apple_Pay

Apple Pay participating banks and card issuers in Asia-Pacific

Apple Pay works with many of the major credit, debit, and prepaid cards from the top banks and card issuers. Just add your supported cards and continue to get all the rewards, benefits, and security of your cards.

We’re working with more banks and card issuers to support Apple Pay. If you don’t see your bank or card issuer below, check back soon.

Some cards from participating banks and card issuers might not be supported in Apple Pay. Contact your bank or card issuer for more information.

Select a different country or region

  • 86 400
  • Accesspay Mastercard
  • Acquire One
  • American Express
  • AMP Bank
  • ANZ
  • Australian Military Bank
  • Australian Unity
  • Auswide Bank
  • AWA Alliance Bank
  • Bank Australia
  • Bank First
  • Bank of Heritage Isle
  • Bank of Melbourne
  • Bank of Queensland Specialist
  • Bank of Sydney
  • Bank of us
  • BankSA
  • BankVic
  • Bankwest
  • bcu
  • BDCU Alliance Bank
  • Bendigo Bank
  • Beyond Bank Australia
  • BNK Bank
  • BOQ Specialist
  • Border Bank
  • Central Murray Credit Union Ltd.
  • Central West Credit Union Ltd.
  • CIRCLE Alliance Bank
  • Citi Australia
  • Coastline Credit Union
  • Coles Financial Services
  • Commonwealth Bank of Australia
  • Community First Credit Union Ltd.
  • Credit Union SA Ltd.
  • Defence Bank
  • DiviPay
  • Edge
  • EML Payment Solution Ltd
  • Endeavour Mutual Bank
  • Finstro
  • Fire Service Credit Union
  • Firefighters Mutual Bank
  • First Option Bank
  • Geelong Bank
  • Goulburn Murray Credit Union
  • Great Southern Bank
  • Greater Bank Limited
  • Hay
  • Health Professionals Bank
  • Heritage Bank
  • Holiday Coast Credit Union Ltd.
  • Horizon Bank
  • HSBC
  • Hume Bank
  • Illawarra Credit Union Limited
  • IMB Bank
  • INC.C Payments
  • ING
  • Intech Credit Union Ltd.
  • Klarna Australia Pty Ltd
  • Laboratories Credit Union Ltd.
  • Latitude Financial Services
  • Lombard Finance
  • Macquarie
  • ME Bank
  • MoneyMe
  • Move Bank
  • MyLife MyFinance
  • MyState Bank Ltd.
  • National Australia Bank
  • Nexus Mutual
  • Nimble
  • Northern Beaches Credit Union
  • Northern Inland Credit Union
  • Nova Alliance Bank
  • Novatti Pty Ltd
  • Once Credit
  • Orange Credit Union
  • P&N Bank
  • Paywith
  • People's Choice Credit Union
  • Police Bank
  • Police Credit Union Ltd.
  • Qbank
  • QCCU
  • Qpay
  • Qudos Bank
  • RACQ
  • Revolut
  • RSL Money
  • SERVICE ONE Alliance Bank
  • Skye provided by FlexiCards Australia Pty Ltd
  • South West Slopes Credit Union
  • Southern Cross Credit Union
  • Spriggy
  • St.George Bank
  • Summerland Financial Services Limited
  • Suncorp
  • Sydney Mutual Bank
  • Teachers Mutual Bank
  • The Broken Hill Community Credit Union Ltd
  • The Mac
  • The Mutual Bank
  • UBank
  • UniBank
  • Unity Bank Ltd.
  • Up Money
  • Vault Payment Solutions
  • Warwick Credit Union Ltd.
  • WAW Credit Union
  • Westpac Banking Corporation
  • Wildcard Money Pty Ltd
  • Wise
  • Woolworths Group Limited
  • Woolworths Team Bank
  • Xinja Bank
  • Zip Australia

China mainland

  • Agricultural Bank of China
  • Bank of Baoding
  • Bank of Beijing
  • Bank of ChangSha
  • Bank of Chengdu
  • Bank of China
  • Bank of ChongQing
  • Bank of Communications
  • Bank of Dalian
  • Bank of Dandong
  • Bank of Dongguan
  • Bank of GuangZhou
  • Bank of Guiyang
  • Bank of Hainan
  • Bank of Hangzhou
  • Bank of HeBei
  • Bank of Us bank visa apple pay of Huzhou
  • Bank of Jiangsu
  • Bank of Jilin
  • Bank of Jinhua
  • Bank of Jinzhou
  • Bank of Kunlun
  • Bank of Lanzhou
  • Bank of Nanjing
  • Bank of NingBo
  • Bank of Ningxia
  • Bank of Quanzhou
  • Bank of Shanghai
  • Bank of ShiZuiShan
  • Bank of Suzhou
  • Bank of Taizhou
  • Bank of Tianjin
  • Bank of Urumqi
  • Bank of Wenzhou
  • Bank of Xi An
  • Bank Of ZhangJiaKou
  • Bank of Zhengzhou
  • Beijing Rural Commercial Bank
  • Changzhi Bank
  • ChengDu Rural Commercial Bank
  • China Bohai Bank
  • China Construction Bank
  • China Everbright Bank
  • China Guangfa Bank
  • China Merchants Bank
  • China Minsheng Banking Corporation
  • China Resources Bank Of Zhuhai
  • China Zheshang Bank
  • Chongqing Rural Commercial Bank
  • CITIC
  • CITIC AIBank
  • Da Tong Bank
  • Dalian Rural Commercial Bank
  • Dongguan Rural Commercial Bank
  • ExpressPay
  • Fubon Bank
  • Fujian Rural Credit Union
  • Great Wall West China Bank
  • Guangdong Huaxing Bank
  • Guangdong NanYue Bank
  • GUANGDONG RURAL CREDIT UNION
  • Guangzhou Rural Commercial Us bank visa apple pay Bank
  • Haikou Rural Commercial Bank
  • Harbin Bank
  • Henan Province Rural Credit Cooperatives Union
  • Hengfeng Bank
  • HSBC
  • Huarong Xiangjiang Bank
  • Huaxia Bank
  • Hubei Bank
  • HuiShang Bank
  • Hunan Rural Credit Cooperative
  • Industrial and Commercial Bank of China
  • Industrial Bank of China
  • Jiang Xi Rural Credit Union Bank
  • Jiangnan Rural Commercial Bank
  • Jiangsu Changjiang Commercial Bank
  • Jiangsu Jiangyin Rural Commercial Bank
  • Jiangsu Rural Credit Union
  • Jiangsu Suning Bank
  • Jiangxi Bank
  • JILIN PROVINCE RURAL CREDIT BANK
  • JinCheng Bank
  • Jinzhong Bank
  • LangFang Bank
  • Leshan City Commercial Bank
  • Liaoning Rural Credit Cooperatives
  • Luzhou City Commercial Bank
  • Mengshang Bank
  • Mianyang City Commercial Bank
  • Panzhihua City Commercial Bank
  • Ping An Bank
  • Postal Savings Bank of China
  • Qingdao Bank
  • Rural Commercial Bank of Zhangjiagang
  • Shanghai Huarui Bank
  • Shanghai Pudong Development Bank
  • Shanghai Rural Commercial Bank
  • Shanxi Rural Credit Cooperatives Union
  • Shanxi Rural Credit Union
  • ShaoXing Bank
  • Shengjing Bank
  • Shenzhen Rural Commercial Bank
  • Shunde Rural Commercial Bank
  • Sichuan Rural Credit Union
  • SiChuan TianFu Bank
  • Sichuan XW Bank
  • Suining City Commercial Bank
  • The Bank of East Asia (China)
  • The Rural Credit Union of Hainan Province
  • Tianjin Binhai Rural Commercial Bank
  • WeBank
  • Xiamen Bank
  • Xiamen International Bank
  • YangQuan City Commercial Bank
  • YellowRiver Bank
  • Yibin City Commercial Bank
  • Yinzhou Bank
  • Yunnan HongTa Bank
  • Yunnan Rural Credit Cooperatives
  • Zhejiang Chouzhou Commercial Bank
  • Zhejiang Rural Cooperatives
  • Zhejiang Tailong commercial bank
  • ZhongYuan Bank

  • American Express*
  • Bank of America, National Association, Hong Kong Branch (Mastercard credit cards)
  • Bank of China, Hong Kong (Mastercard, UnionPay, and Visa credit cards, Union Pay debit cards)
  • Bank of East Asia (Mastercard, UnionPay and Visa credit cards)
  • China CITIC Bank International (Mastercard and Visa credit cards)
  • China Construction Bank (Asia) (Mastercard,UnionPay and Visa credit cards)
  • Citibank (Mastercard and Visa credit cards, MasterCard debit cards)
  • Dahsing Bank (Mastercard and Visa Credit Cards)
  • DBS (Mastercard and Visa credit cards)
  • Hang Seng Bank (Mastercard, UnionPay, and Visa credit cards)
  • HKT Payment Limited (Mastercard and UnionPay prepaid cards)
  • HSBC (Visa credit cards, Mastercard and UnionPay debit and credit cards)
  • ICBC (Asia) (UnionPay and Visa credit cards)
  • Livi Bank (Mastercard debit cards)
  • Mox Bank Limited (Mastercard debit cards)
  • PrimeCredit Limited ( CUP and Visa credit cards)
  • Standard Chartered Bank (Mastercard and Visa credit cards, Union Pay debit cards )
  • TNG (Asia) Limited(Mastercard prepaid cards)
  • WeLab Bank Limited(Mastercard debit cards)
  • ZA Bank (Visa Debit card)

*Bank-issued American Express cards aren't supported.

  • Banco Nacional Ultramarino, S.A. (Mastercard and UnionPay debit cards, UnionPay credit cards)
  • Bank of China Macau Branch (UnionPay credit and debit cards)
  • ICBC (Macao) (UnionPay credit cards)

Taiwan

        

  • Bank SinoPac (MasterCard credit and debit cards, JCB and Visa credit cards)
  • Cathay United Bank (Mastercard and Visa credit and debit cards)
  • Citibank Taiwan(Mastercard and Visa credit cards, Mastercard debit cards)
  • CTBC Bank (JCB credit, Mastercard and Visa credit and debit cards)
  • E.SUN Commercial Bank (JCB, Mastercard and Visa credit and debit cards)
  • First Commercial Bank (JCB, Mastercard and Visa credit cards)
  • HSBC (Taiwan) Bank (MasterCard and Visa credit cards)
  • Hua Nan Commercial Bank (Mastercard credit cards, JCB and Visa credit and debit cards)
  • KGI Bank (Mastercard and Visa credit cards)
  • Shin Kong Bank (Mastercard and Visa credit cards)
  • Standard Chartered Bank (Mastercard and Visa credit and debit cards)
  • Taipei Fubon Commercial Bank (Mastercard and Visa credit and debit cards, JCB credit cards)
  • Taishin International Bank (Mastercard and Visa credit and debit cards)
  • Union Bank of Taiwan (JCB, Mastercard and Visa credit cards, Visa debit cards)

 

  • AEON BIG Co.,Ltd.
  • Aeon Financial Service
  • AEON Hokkaido Co.,Ltd.
  • AEON KYUSHU Co., Ltd.
  • AEON MARKET Co.,Ltd.
  • AEON RETAIL Co., Ltd.
  • AEON RYUKYU Co., Ltd.
  • AEON SUPERCENTER Co., Ltd.
  • AEON TOHOKU Co.,Ltd.
  • AEON TOWN Co., Ltd.
  • Akita International Card
  • Akita JCB Card
  • American Express
  • APLUS
  • au Jibun Bank
  • Cedyna Financial Corporation
  • Chibagin JCB Card
  • Chubu Shinkin Bank Card
  • Chugoku Shinkin Card
  • Chukyo Card *
  • Credit Saison
  • Daishi JCB Card
  • Daiwa House Financial
  • Dogin Card *
  • East Japan Railway Company
  • Ehime JCB
  • Epos Card
  • Fidea Card *
  • Fukui Card *
  • Higashi Nippongin JCB Card
  • Higin Card *
  • Hirogin Card Service *
  • Hokuriku Card *
  • Hyakugo Card
  • Idemitsu Credit
  • JACCS
  • Japan Post Bank *
  • JCB
  • JFR Card *
  • Juhachi Card *
  • Juroku Card *
  • Kagoshima Card *
  • KASUMI Co.,Ltd.
  • KDDI Corporation (au WALLET Card)
  • Kinki Shinkin Card *
  • Kiraboshi JCB *
  • Kirayaka Card *
  • Kochi Card *
  • KOHYO Co.,Ltd.
  • Kyash
  • Kyogin Card Service *
  • KYSHU NIHON SHINPAN
  • Kyushu Shinkin Card *
  • Lawson Bank
  • LIFECARD
  • Line Pay
  • MaxValu Hokuriku Co., Ltd.
  • Maxvalu Kanto Co.,Ltd.
  • Maxvalu Minamitohoku Co.,Ltd.
  • Maxvalu NISHINIHON Co.,Ltd.
  • Maxvalu Tokai Co., Ltd.
  • Mebuki Card  *
  • merpay
  • MI Card
  • Michinoku Card *
  • Minato Card *
  • MINISTOP Co.,Ltd.
  • Minna Bank
  • Mitsubishi UFJ Nicos ***
  • Mixi
  • Miyagin Card *
  • MIYAZAKI SHINPAN
  • Mizuho Bank
  • Model Hyakka
  • Momiji Card *
  • MUFG Bank
  • Musashino Card *
  • My Basket CO.,Ltd.
  • Nagoya Card *
  • Nagoya MC Card *
  • Nanto Card Service *
  • Nissen Credit Service
  • Nissenren
  • North Pacific Bank *
  • NTT Docomo (d-card)
  • OC CARD
  • OKB PAYMENT PLAT *
  • Okigin JCB
  • Orient Corporation
  • ORIGIN TOSHU Co.,Ltd.
  • PASMO
  • PayPay Card*****
  • Persona *
  • POCKET CARD
  • Rakuten Card
  • Resona Card
  • Sapporo Hokuyo Card *
  • SB Payment Service
  • SBI Sumishin Net Bank
  • Senshu Ikeda JCB
  • Senshu Ikeda VC *
  • Seven Card Service *
  • Seven Cs Card Service
  • Shikoku Shinkin Card *
  • Shinkin Bank Card *

 

  • Shizugin Saison Card
  • Shoko Chukin Card *
  • Sumitomo Mitsui Banking *
  • Sumitomo Mitsui Card
  • Sumitomo Mitsui Trust Card *
  • Sumitomo Mitsui Trust Club(Diners Club) ****
  • SUNDAY Co., Ltd.
  • Suruga Card *
  • Taiko Card
  • Takashimaya Credit
  • The  Hyakujushi JCB Card
  • The 77 Bank
  • The 77 Card *
  • The Akita Bank *
  • The Aomori Bank *
  • The Ashikaga Bank *
  • The Awa Bank
  • The Awagin Card *
  • The Bank of Fukuoka *
  • The Bank of Kyoto *
  • THE BANK OF NAGOYA
  • The Bank of Okinawa
  • The Bank of Saga *
  • The Bank of Yokohama *
  • The Chiba Bank. *
  • The Chikuho Bank *
  • The Daiei Inc.
  • The Chugin Card (JCB Cards Only)
  • The Chugoku Bank *
  • The Daishi Hokuetsu Bank *
  • The Daito Credit Service *
  • The Ehime Bank
  • The FFG Card *
  • The Fukui Bank *
  • The Gungin Card *
  • The Gunma Bank *
  • The Hachijuni Bank
  • The Hiroshima Bank *
  • The Hokkoku Bank *
  • The Hokkoku Credit Service *
  • The Hokuetsu Card *
  • The Hokuto Bank *
  • The Hyakujushi Bank **
  • The Iwagin Credit Service Co. Ltd.
  • The Iyo Bank **
  • The Juroku Bank
  • The KAGOSHIMA BANK
  • The Keiyogin Card *
  • The Kiyo Bank
  • The Kiyo Card *
  • The Kumamoto Bank
  • The Kyushu Card *
  • The Miegin Card *
  • The Ogaki Kyoritsu Bank
  • The Oita Card *
  • The San-In Godo Bank
  • The Shigagin JCB
  • The Shikoku Bank *
  • The Shimizu Lease & Card
  • The Shinwa Bank
  • The Shizuoka Bank *
  • The Shonai Bank *
  • The Tajima Bank *
  • The Tochigi Bank
  • The Tochigin Card Service *
  • The Toho Bank *
  • The Toho Credit Service *
  • The Tokyo Tomin Bank Ltd.
  • The Yamagin Card Service *
  • The Yamaguchi Bank *
  • Toho Card *
  • Tohoku JCB Card
  • Tohoku Shinkin Bank Card *
  • Tokyo Credit Services *
  • Tomony Card. *
  • Torigin Card Service *
  • Towa Card *
  • Toyota Finance
  • Tsukuba Bank *
  • UC Card (Credit Saison cards only)
  • UCS
  • Viewcard
  • WELCIA YAKKYOKU Co.,Ltd.
  • West Japan Railway Company (J-WEST Card)
  • Yamagin Card **
  • Youme Card

 

*UC Card and American Express cards are not supported.

**DC Card, UC Card, and American Express cards are not supported.

***JCB Cards and American Express cards are not supported.

****TRUST CLUB Card (Visa and Mastercard) is also supported.

***** Yahoo! JAPAN Card only

To make payments in stores using QUICPay or iD, you can add credit and prepaid cards to Apple Pay on iPhone 7 and later or Apple Watch Series 2 and later. You can also add JCB, Mastercard, and American Express and Visa* cards to Apple Pay on iPhone 7 and later to pay within apps and on the web.

*Some card from participating banks and card issuers might not be supported in Apple Pay yet. contact your bank or card issuer for more information on which cards and devices are supported.

  • Altyn Bank
  • ATFBank
  • Eurasian Bank
  • Halyk Bank
  • Sberbank
  • Bank CenterCredit
  • ForteBank

New Zealand

  • ANZ (Visa credit and debit cards)
  • ASB Bank Limited
  • BNZ
  • Flight Centre Mastercard by FlexiGroup NZ
  • Latitude Financial Services Limited
  • Laybuy
  • Q Mastercard by FlexiGroup NZ
  • Westpac New Zealand Limited

Singapore

  • American Express*
  • Citibank (Mastercard and Visa credit cards, Mastercard debit cards)
  • DBS (Mastercard and Visa credit and debit cards)
  • HSBC (Mastercard and Visa credit cards, Visa debit cards)
  • OCBC (Mastercard and Visa credit and debit cards)
  • POSB (Mastercard credit and debit cards)
  • Singtel (Visa Prepaid Card)
  • Standard Chartered Bank (Mastercard credit and debit cards, Visa credit cards)
  • United Overseas Bank (Mastercard and Visa credit and debit cards)
  • Wise

*Bank-issued American Express cards aren't supported.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation us bank visa apple pay endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Published Date: 

Источник: https://support.apple.com/en-us/HT206638

Inclusive and effortless banking*

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  • Offering both debit and credit cards
  • No SSN required** + Build US credit history
  • No credit check to apply
  • Amazing rewards & benefits
Open an Account
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We offer a complete banking solution!*

Unlike other online-only banks in the market, we are truly full-service! Which means right off the bat we offer both a Bank Account* and a Secured Credit Card. With the ability to get an unsecured card in as little as 4 months!2

We strive to meet all your needs in one place – whether that is depositing money, sending a us bank visa apple pay transfer, paying a bill or paying your credit card statement with your bank account*.

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No Social Security number? No worries!

Not a US citizen? We have you covered. Non US citizens just need a passport and U.S. Visa. For a full list of required docs please click here

Start using your card in 5 minutes

  • You can get approved for your Sable bank account* and Sable ONE credit card within 5 minutes.
  • Start using your virtual debit and credit card immediately by linking your card with mobile pay.
Link sable with google pay, samsung pay, apple pay

Build your positive U.S. credit history, starting today1

No credit checks or prior U.S. credit history required. Use your Secured Sable ONE card and start building your credit history from day one.

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We make financial services inclusive and effortless2

All your products
in one place

Bank account*, credit and debit card - all in one banking app.

The cheapest global money transfer in seconds†

With Sable, you can send and receive money in 55+ countries at the cheapest cost with Sable's best rate guarantee†.

Premium rewards
and benefits1

Enjoy rewards and benefits like cash back, cell phone protection, car rental insurance, zero liability and much more.

Move money easily

Pay friends, link bank accounts, connect Venmo, Zelle, etc., load cash from select locations and stay on top of your bills.

Rewards and benefits
you will love

  • Up to 2% Cash back on purchases1
  • Cash back logos
  • Up to 1% Cash back on all other purchases1
  • Mastercard Car Rental Insurance3
  • Cell phone protection, including cracked screens3
  • Zero liability on purchases3 and much more!

Click here to learn more

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No Hidden Fees,
Seriously2

  • Zero Annual fees on base products
  • Zero fee ATM withdrawals worldwide on debit
  • Zero overdraft or late fees
  • Zero fee on foreign transactions
  • Zero fee international money transfers
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Stay Safe and Secure

We protect our customers by keeping your information and money safe.

  • FDIC Insured up to $250,000*
  • Mastercard's Zero Liability protection policy3
  • State of the art anti-fraud detection on every transaction3
  • Lost your card? Freeze and unfreeze your card easily in the app
  • Use virtual credit and debit card numbers online and in stores using mobile wallet
  • Get instant transaction notifications on your cell phone

Open your account and get your card in minutes, right from your phone

Download the Sable app

The Sable app is available on the Apple App Store and Google Play.

Download the Sable app
Log into the Sable app

Open your premium no fee bank account* and secured credit card in minutes

All you need is a phone, passport, and visa, or I94 or other ID documents.

Access your virtual card right away

Once approved, your Sable card is available for immediate use with Apple Pay®, Samsung Pay®, and Google Pay®.

Use your Sable card with apple pay, samsung pay, or google pay

Get set up in 5 minutes and start building your credit history.

© Sable Money Inc.
*Banking services provided by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International Inc.
Sable account is FDIC-insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC.
**If you are not a U.S. citizen, you can apply with your passport and U.S. Visa. If you are a U.S. citizen, SSN is required to open a bank account.

Источник: https://sablecard.com/
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