Jump to Main ContentJump to Primary Navigation
Top

Five things you need to know about Apple Pay

rexfeatures_4822388e.jpg

Nine months after debuting in the US, Apple Pay is now available across the UK as of today. Stylist was one of the first to be introduced to the contactless payment system by the Apple team this morning, kicking off the day with a macchiato at Pret A Manger which was paid for within seconds via the fingerprint technology built in to the home button on our iPhone 6.

The ubiquitous high street chain is one of the first UK retail brands to accept Apple Pay, alongside Boots, Waitrose, Liberty, Starbucks, Marks and Spencer, Le Pain Quotidien, Post Offices and many more, culminating in 250,000 locations across the country at launch. Ready to throw away your wallet? Here’s what you need to know…

apple watch

1.It might be time to upgrade your Apple device

If you’ve been looking for an excuse to upgrade to the latest iPhone or iPad, here it is. Apple Pay requires iPhone 6 or 6 Plus to use in retailers and within apps and iPad Air 2 or iPad Mini 3 to make purchases within apps such as Zara, Topshop, Etsy, Addison Lee, JD Sports, LastMinute.com and more. If you have an Apple Watch in your accessories arsenal, you can get away with having an iPhone 5, 5C, or 5S to make in-store purchases via the watch.

2. By the end of July, eight banks will be on board

Right now, customers of NatWest, RBS, Santander, Nationwide Building Society, Ulster Bank and MBNA can use ApplePay, with HSBC and first direct coming on board by the time 31 July rolls around. By autumn, they’ll be joined by Lloyds, TSB, Halifax, Bank of Scotland and M&S Bank. Barclays has revealed that it will be joining Apple Pay “imminently”. You can add as many Visa, MasterCard or American Express credit or debit cards as you like.

apple watch

3. Apple Pay transactions stay between you and your bank

Apple is keen to highlight that they will not be mining your shopping history for data and your bank details are not stored on your device. After scanning your card, the in-built Passbook app sends an encrypted message to your bank to check its legitimacy. Once approved, your bank assigns a special device account number to your iPhone, iPad or Apple Watch which Apple can’t decrypt. While Apple facilitates the payments via this device account number, the transaction details are kept between you, your bank and the retailer.

4. It’s not just small change purchases

While existing contactless payments are currently limited to £20 per transaction (rising to £30 in September), some retailers have done away with spending limits for Apple Pay, such as Pret A Manger – meaning you can treat everyone in your office to a Love Bar on your next Pret run.

5. Apple Pay will change your commute forever
One of the biggest companies to join the UK Apple Pay revolution is Transport for London (TfL), meaning you can now waltz through the tube gates by placing your finger on the Touch ID/home button of your phone or double-clicking the side button of your Apple Watch then placing the device over the Oyster card reader. Which means scrabbling for your Oyster or contactless card in your wallet while trying to ignore the annoyed mutterings of the crowd behind you will soon be a thing of the past. Anything that makes the commute easier is a win in our books…

Related

emoji.JPG

Emojis could soon replace pin numbers in UK banks

emoji.PNG

Emoji revealed as fastest growing language in UK

rexfeatures_1918488b.jpg

Tindog, the dating app for pet lovers, is here

opener_left.jpg

Rachel McAdams talks exclusively to Stylist

5988_062080_rt.jpg

Sleeping 9 to 5; why going to bed early could revitalise your career

science.JPG

Female scientists unite in #GirlsWithToys campaign to protest sexism

Comments

More

Here’s how to put your gin habit to good use

Mother’s ruin is charity’s gain

by Amy Swales
25 Apr 2017

How to fake it: the artificial plants that look good enough to water

Faux real

by The Stylist web team
25 Apr 2017

This new WhatsApp update will finally let you “unsend” messages

*Monkey covering eyes emoji*

by Moya Crockett
25 Apr 2017

Why it’s time to stop avoiding the subject of grief

Don’t hide behind flowers

by The Stylist web team
25 Apr 2017

Watch: the trailer for the Dirty Dancing TV remake has landed

And *that* lift is in evidence...

by Amy Swales
25 Apr 2017

They’re back: viral BBC kids land their own animated TV show

Their dad has called it "super cute"

by Sarah Biddlecombe
25 Apr 2017

A rare Victorian sex toy is going up for auction

"It's not just a piece of erotica it's a work of art"

by Hayley Spencer
25 Apr 2017

8 invaluable life lessons we learned from Romy & Michele

(Including the true inventor of the Post-it)

by Harriet Hall
24 Apr 2017

Breast cancer survivor marries seconds before running London Marathon

"I stood on the start line and I didn't know if I would make the finish."

by Sarah Biddlecombe
24 Apr 2017

Here's how to get free cake in London this week

Best be quick though...

by Anna Pollitt
24 Apr 2017