{"id":27704,"date":"2018-04-24T13:11:20","date_gmt":"2018-04-24T17:11:20","guid":{"rendered":"https:\/\/www.computeradvantage.us\/v3\/?p=27704"},"modified":"2018-04-24T13:11:20","modified_gmt":"2018-04-24T17:11:20","slug":"apple-pay-is-faster-easier-more-secure-and-more-private-than-using-credit-cards","status":"publish","type":"post","link":"http:\/\/www.computeradvantage.us\/v3\/apple-pay-is-faster-easier-more-secure-and-more-private-than-using-credit-cards\/","title":{"rendered":"Apple Pay Is Faster, Easier, More Secure, and More Private Than Using Credit Cards"},"content":{"rendered":"

You\u2019ve probably heard of Apple Pay<\/a>, but have you set it up so you can use it to pay for purchases at checkout? If not, give it a try, since it\u2019s one of those living-in-the future Apple technologies that feels like science fiction every time you use it. Simply put your iPhone, iPad, or Apple Watch within an inch or so of a compatible payment terminal (look for an Apple Pay\u00a0\"\"\u00a0or contactless payment\u00a0\"\"\u00a0logo), put your finger on the Home button to use Touch ID (or double-press the iPhone X\u2019s side button and authenticate via Face ID, or double-press the Apple Watch\u2019s side button), and you\u2019re done. The entire transaction takes less time than opening your wallet, although you may still need to sign a receipt.\"\"<\/p>\n

What happens behind the scenes when you use Apple Pay? The good news is that Apple Pay is significantly more secure than a magnetic-strip credit card and has advantages over chip-embedded cards too. First, theft prevention is baked in. A typical thief can\u2019t use Apple Pay from your device because they can\u2019t get past Touch ID or Face ID, or provide your Apple Watch passcode.<\/p>\n

Also, the store where you shop gets no data about you\u2014they don\u2019t know who you are, where you live, what your card number is, or anything else unless you showed a rewards card or provided your phone number. Most importantly, you don\u2019t have to worry about your credit card number being jotted down, scanned, or skimmed.<\/p>\n

How does this seemingly magical process work? When you set up Apple Pay, the Wallet app sends your encrypted credit card details to Apple, after which they\u2019re passed along to your card\u2019s payment network. What comes back is an encrypted Device Account Number\u2014a long number that\u2019s stored in the Secure Enclave chip on your device. That chip is protected by a digital moat, keeping it isolated from nearly all activity on your device. The Device Account Number is unique to your device and card, so nobody else can use it.<\/p>\n

When you pay with Apple Pay, the Secure Enclave chip transmits the Device Account Number, along with a few other details, including a one-time transaction code. Everything is encrypted, so even if an attacker were listening to the traffic, no transaction details would be revealed. The information remains encrypted until it reaches the appropriate party, at which point, if all goes well, your transaction is approved and processed.<\/p>\n

Millions of payment terminals in the United States accept Apple Pay, including those found in most major national chains<\/a>, so you shouldn\u2019t have to look far to find one. You can also use Apple Pay in some iOS apps and some Web-based shopping carts when checking out in Safari.<\/p>\n

To set up Apple Pay, on your iPhone or iPad, tap Settings > Wallet & Apple Pay > Add Credit or Debit Card and follow the easy instructions\u2014it\u2019s fine to let the device scan your card so that you don\u2019t have to type your credit card number; the image is discarded immediately after setup.<\/p>\n

After adding a card, find it in the Wallet app and tap the card\u2019s info button at the lower right to explore the Info and Transactions screens. Notice that four digits from the card\u2019s Digital Account Number appear on the Info screen\u2014if you want to return an Apple Pay purchase, you\u2019ll give these digits to the merchant instead of sharing your credit card number.<\/p>\n

\"\"<\/p>\n

Finally, starting in iOS 11.2, Apple introduced Apple Pay Cash, which lets you make person-to-person payments within the Messages app. It\u2019s great for splitting restaurant checks!<\/p>\n

The bottom line is that Apple Pay is easy to use, preserves your privacy, and enhances your financial security. And you get to feel like you\u2019re living in the future!<\/p>\n

\n

Social Media:<\/b> Apple Pay makes paying for purchases easy, but even better, it\u2019s both more secure and more private than swiping your credit card.<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

You\u2019ve probably heard of Apple Pay, but have you set it up so you can use it to pay for purchases at checkout? If not, give it a try, since it\u2019s one of those living-in-the future Apple technologies that feels like science fiction every time you use it. Simply put your iPhone, iPad, or Apple […]<\/p>\n","protected":false},"author":1,"featured_media":27705,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"wds_primary_category":0,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[209,334,157,193,66,39,61,71,7,52,354,60,196,124],"tags":[],"class_list":["post-27704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apple-pay","category-apple-pay-cash","category-apple-pros","category-apros-archive","category-article","category-blog","category-customization","category-explainer","category-ipad","category-iphone","category-privacy","category-productivity","category-restricted-content","category-security"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2018\/04\/Apple-Pay-mark-inline.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p6YLEm-7cQ","jetpack-related-posts":[{"id":26586,"url":"http:\/\/www.computeradvantage.us\/v3\/the-fastest-way-to-invoke-apple-pay\/","url_meta":{"origin":27704,"position":0},"title":"The Fastest Way to Invoke Apple Pay","author":"computeradv","date":"May 19, 2017","format":false,"excerpt":"When it\u2019s an option at a cash register, Apple Pay is faster, easier, and safer than using a credit card. But accessing it from the Wallet app is way too slow! Here\u2019s the trick to pull up Apple Pay quickly. 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Apple Pay Cash is Apple\u2019s new person-to-person payment service, designed to make it easy for individuals to send and receive money. It\u2019s perfect\u2026","rel":"","context":"In "Apple Pay"","block_context":{"text":"Apple Pay","link":"http:\/\/www.computeradvantage.us\/v3\/category\/apple-pay\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2018\/01\/Apple-Pay-Cash-card.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2018\/01\/Apple-Pay-Cash-card.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2018\/01\/Apple-Pay-Cash-card.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2018\/01\/Apple-Pay-Cash-card.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":29585,"url":"https:\/\/www.computeradvantage.us\/v3\/what-can-you-store-in-apples-wallet-app-credit-cards-boarding-passes-tickets-and-more-2\/","url_meta":{"origin":27704,"position":2},"title":"What Can You Store in Apple\u2019s Wallet App? Credit Cards, Boarding Passes, Tickets, and More!","author":"computeradv","date":"September 17, 2019","format":false,"excerpt":"Have you wondered what you can do with the Wallet app on your iPhone? Although it started out life called Passbook, Apple soon realized that the only sensible name was Wallet. That\u2019s because it stores digital versions of roughly the same sort of things you might put in a physical\u2026","rel":"","context":"In "Apple Pay"","block_context":{"text":"Apple Pay","link":"http:\/\/www.computeradvantage.us\/v3\/category\/apple-pay\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2019\/09\/Wallet-delete-passes-1024x729.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2019\/09\/Wallet-delete-passes-1024x729.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2019\/09\/Wallet-delete-passes-1024x729.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2019\/09\/Wallet-delete-passes-1024x729.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":26502,"url":"http:\/\/www.computeradvantage.us\/v3\/apple-tweaks-ipad-and-iphone-product-lines\/","url_meta":{"origin":27704,"position":3},"title":"Apple Tweaks iPad and iPhone Product Lines","author":"computeradv","date":"April 2, 2017","format":false,"excerpt":"Apple\u2019s new iPads and iPhones promise faster performance and more storage for less money!","rel":"","context":"In "Blog"","block_context":{"text":"Blog","link":"http:\/\/www.computeradvantage.us\/v3\/category\/blog\/"},"img":{"alt_text":"March iPad update","src":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2017\/04\/March-Apple-updates-1080x675.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2017\/04\/March-Apple-updates-1080x675.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2017\/04\/March-Apple-updates-1080x675.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2017\/04\/March-Apple-updates-1080x675.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.computeradvantage.us\/v3\/wp-content\/uploads\/2017\/04\/March-Apple-updates-1080x675.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":25860,"url":"http:\/\/www.computeradvantage.us\/v3\/apple-unveils-iphone-7-apple-watch-series-2-and-airpods\/","url_meta":{"origin":27704,"position":4},"title":"Apple Unveils iPhone 7, Apple Watch Series 2, and AirPods","author":"computeradv","date":"September 13, 2016","format":false,"excerpt":"At its special event on September 7th, Apple unveiled the new iPhone 7 and iPhone 7 Plus, along with the GPS-enabled Apple Watch Series 2 and the wireless AirPods for wire-free audio. 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