Apple Pay

Apple Pay is a and  service from Apple that allows users to make s in person, in iOS apps, and on the web using Safari. It is supported on the iPhone, Apple Watch, iPad, and Mac. It digitizes and can replace a or  card  transaction at a contactless-capable. It does not require Apple Pay-specific terminals; it works with any merchant that accepts contactless payments. 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.

History
Originally launching in the United States on October 20, 2014, Apple Pay is available in the United Kingdom, Canada, Australia, Brazil, Mexico, the United Arab Emirates, Saudi Arabia, Russia, Ukraine, Kazakhstan, China, New Zealand, Singapore, Japan, Macau, Georgia, Belarus, Montenegro, Serbia and all countries in the (EEA). Apple Pay supports both international payment schemes—such as, (including  and ),  (including ), and —as well as country-specific domestic payment schemes like China's , Japan's , France's , Canada's , Australia's , Saudi Arabia's  and Germany's. Participating banks vary by region. Apple Pay can also be used to ride some public transport networks either through the use of credit/debit cards (open loop) or dedicated travel cards such as 's, the 's , or the New York 's (closed loop). In April 2021, Apple Pay announced compatibility with Clipper, the transit payment method for accessing Bay Area Rapid Transit (BART), the San Francisco MUNI transportation system, and the Caltrain commuter rail system.

Tap to Pay
In February 2022, Apple announced the Tap to Pay feature for contactless payments though Apple Pay. It became available as part of the iOS 15.4 update on following March 14th. The feature became available in Taiwan later on April 20, 2023.

Supported devices
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 8–12 payment cards.