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What does Apple Pay? Learn how it works to use and pay with the service | Productivity

Apple Pay is Apple's official payment service, integrated with the iPhone (iOS) and other Apple devices. With the purpose of facilitating purchases, the platform is compatible with credit and debit cards of Banco do Brasil, Bradesco and Ita. It is worth remembering, however, that the tool is not available to Nubank customers. Through the Wallet app, you can make payments at stores, restaurants, and other establishments with Touch ID or Face ID authentication only, without requiring your physical card.

Importantly, the platform is only available to users of some compatible Apple device. Alternatives for those who own Android devices, for example, are Samsung Pay and Google Pay. O dnetc has separated some questions and answers about Apple Pay below.

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Apple Pay uses NFC and face or digital authentication to validate purchases Photo: Disclosure / AppleApple Pay uses NFC and face or digital authentication to validate purchases Photo: Disclosure / Apple

Apple Pay uses NFC and face or digital authentication to validate purchases Photo: Disclosure / Apple

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To get started with Apple Pay, look for the Wallet app on your iPhone and open it. The native program is usually pre-installed on the iOS system, but you can download it again from the App Store. After opening the app, click the "+" and follow the instructions to add a new card. Scan the data with the camera or fill it in manually. Then authenticate via SMS or your bank application, depending on which institution you have. Ready: Now just go back to the Wallet app and your card is available for use.

Apple Pay allows you to register more than one card, in addition to storing tickets and area tickets in the app. Photo: Reproduction / Helito BeggioraApple Pay allows you to register more than one card, in addition to storing tickets and area tickets in the app. Photo: Reproduction / Helito Beggiora

Apple Pay allows you to register more than one card, in addition to storing tickets and area tickets in the app. Photo: Reproduction / Helito Beggiora

2. How to pay in physical stores?

On iPhones with the Touch ID feature, with the screen locked, press the home button twice quickly. To use your standard card, place your finger on the fingerprint reader and hold the device with the top a few inches from the machine reader. Wait for the "OK" message on the screen indicating that the payment has been made.

If you have an iPhone X or higher with Face ID, press the side button twice and authenticate your face. Then approach the phone to the machine and wait for the payment confirmation. In Apple Watch, just press the side button twice and zoom in on the watch. It is not necessary to authenticate as the smartwatch is locked whenever it is removed from the user's wrist.

  Payments can be made at physical stores or within some iPhone (iOS) apps Photo: Divulgao / Apple  Payments can be made at physical stores or within some iPhone (iOS) apps Photo: Divulgao / Apple

Payments can be made at physical stores or within some iPhone (iOS) apps Photo: Divulgao / Apple

3. How to pay in an app?

In compatible apps, choose Apple Pay as your payment method. Verify billing information and touch to confirm payment by authenticating with Touch ID or Face ID. When it is approved, the "OK" message and a check mark will appear on the screen. Some examples of Apple Pay-compatible apps and websites are: iFood, Ingresso, Magazine Luiza, and many others.

4. What are the compatible banks and stores?

Apple Pay accepts cards from Ita, Bradesco and Banco do Brasil, MasterCard, Visa and Elo. Among thousands of compatible stores, Apple highlights, for example, Carrefour, Fast Shop, Ipiranga Tour and Starbucks. In addition, various ticket services or area tickets allow you to store tickets directly in the Wallet app.

It is also possible to make payments with Apple Pay by Mac, authenticating with iPhone. Photo: Disclosure / AppleIt is also possible to make payments with Apple Pay by Mac, authenticating with iPhone. Photo: Disclosure / Apple

It is also possible to make payments with Apple Pay by Mac, authenticating with iPhone. Photo: Disclosure / Apple

5. How to see the latest payments?

By tapping a card in the Wallet app, you have access to your most recent payments. Depending on your bank or card administrator, you may only see transactions made using your device, or all transactions made using your debit or credit card account, including all Apple Pay devices and the physical card.

If you set up Apple Pay on Apple Watch, you can also check transaction history on the iPhone Watch app. To do this, tap "Wallet and Apple Pay", select the card, and then tap the "Transactions" tab.

Some banks provide the Wallet app with only initial authorization values, which may differ from the final transaction value. Depending on your bank or card administrator, you may see transaction values ​​for locations such as restaurants, gas stations, hotels, and car rental companies.

Apple Pay uses secure features every time you make a purchase. Through a specific number for your device, the platform creates a unique transaction code. As such, your card data is not stored on Apple's device or servers, nor is it shared with stores.

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