Unfortunately, not all Apple devices support the payment system. Moreover, on some devices, payment for purchases is only possible online. You can find a complete list of iPhone, iPad, Mac and Apple Watch models that support Apple Pay and the types of payments available on them in this article.
iPhone
You can use Apple Pay to pay for purchases on your iPhone in stores, in apps from the App Store, and on websites in the Safari browser. List of supported iPhone models:
- iPhone 6/6 Plus.
- iPhone 6s/6s Plus.
- iPhone SE.
- iPhone 7/7 Plus.
iPhone 5, iPhone 5c and iPhone 5s also support the Apple Pay payment system. However, since these smartphones are not equipped with NFC modules, you can pay for purchases through them only when paired with an Apple Watch smart watch.
Apple Watch
Apple Watch allows you to pay for purchases in stores and in apps from the App Store when paired with an iPhone 5 or later iPhone model. List of supported Apple Watch models:
- Apple Watch (1st generation).
- Apple Watch Series 1.
- Apple Watch Series 2.
iPad
On iPad, you can use Apple Pay to pay for purchases in apps from the App Store and on websites in Safari. The payment system is supported by the following Apple tablet models:
- iPad mini 3.
- iPad mini 4.
- iPad Air 2.
- 12.9-inch iPad Pro.
- 9.7-inch iPad Pro.
Mac
On Mac computers paired with an iPhone or Apple Watch that supports Apple Pay, you can pay for purchases in the Safari browser. The following Mac models support Apple Pay.
Leave your wallet at home. Now you can use your phone instead of a bank card. This became possible thanks to the Apple Pay payment system.
Since 2014, Apple Pay has been conquering country after country. Apple Pay is currently available in Canada, the United States, the United Kingdom, France, Spain, Russia, China, Japan, Hong Kong, Switzerland, New Zealand, Singapore, and Australia.
How Apple Pay works
Apple Pay works through a special NFC chip, which is installed on all new iPhone and iPad models and the Apple Watch series.
NFC (Near Field Communication) is a short-range wireless technology that allows two devices (such as a telephone and a terminal in a store) to exchange payment information quickly and conveniently in close proximity.
You simply bring your iPhone to the terminal at the checkout of a store or restaurant while holding your finger on the Touch ID button.
Which devices support Apple Pay?
You can pay for purchases in stores using:
- iPhone 6/6S, 6/6S Plus
- iPhone SE
- iPhone 7, 7 Plus
- Apple Watch (1st generation)
- Apple Watch Series 1 and 2
Pay for purchases in applications and on the Internet:
- iPhone 6/6S, 6/6S Plus
- iPhone SE
- iPhone 7, 7 Plus
- Apple Watch (1st generation)
- Apple Watch Series 1 and 2
- iPad Pro (9.7 and 12.9 inches)
- iPad Air 2
- iPad mini 3 and 4
In addition, you can now pay for purchases using a MacBook Pro with a Touch ID sensor, but this can only be done in the Safari browser. And paired with an Apple watch or iPhone, you can pay for an online purchase from a Mac computer, but only if your computer model is older than 2012.
Which banks work with Apple Pay in Russia
- Alfa Bank
- Raiffeisenbahn
- Tinkoff Bank
- MTS Bank
- Rocketbank
Mastercard cards only:
- Saint Petersburg
- Sberbank
- VTB 24
- Binbank
- Russian standard
- Opening
- Dot
- Yandex money
The list of banks is constantly expanding and updating.
Apple pay Sberbank visa when will it work? They promised back in December. But negotiations are still ongoing and the dates are constantly being postponed. We wait!
How to use Apple pay:
How to connect Apple Pay and how to set up Apple Pay
There is no need to install or configure anything additional. If, of course, your device supports Apple Pay. Just go to the Wallet app and add payment cards to it. Most of us are concerned about the question of how to connect apple pay to Sberbank, because Sberbank cards are the most popular in Russia. You don't have to go to the bank, just add your Sberbank card to the application.
How to add a card
Add a map to iPhone:
- Open the Wallet app on your smartphone
- After confirming the bank, click “Next”
Ready!
Add a map to iPad:
- Open "Settings"
- Select the “Wallet and Apple Pay” section
- Click “Add payment card”
- If you have already paid with this card in iTunes, you just need to confirm the card information using the security code
- If there is no card information in iTunes, you can enter them manually or film them.
- Click "Next". The bank will verify the card details and may request additional information for confirmation.
Ready!
Add a map to Apple Watch:
- Open the Watch app on iPhone
- Click "Wallet and Apple Pay"
- If the card information is already stored on your iPhone, tap Add next to the card
- If you need to add a card that is not yet stored on your iPhone, click “Add a payment card”
- If you've already paid with this card in iTunes, you just need to confirm the card information using the security code.
- If there is no card information in iTunes, you can enter them manually or film it
- Click "Next". The bank will verify the card details and may request additional information for confirmation.
- After confirming the bank, click “Next”
Ready!
Add a map to your Mac:
- Open “System Preferences” in the computer menu
- Select the menu section “Wallet and Apple Pay”
- Click “Add card”
- If you've already paid with this card in iTunes, you'll need to confirm your card information. Just enter the security code.
- If there is no card information in iTunes, you can enter it manually or film it on your phone camera
- Click "Next". The bank will verify the card details and may request additional information for confirmation.
- After confirming the bank, click “Next”
Ready!
Can I use multiple cards?
You can add up to 8 cards to the device.
Where can you pay with Apple Pay?
Apple Pay works anywhere that accepts contactless payments. To understand this, look at the checkout or next to the terminal for a symbol for accepting such payments.
You can also make in-app purchases and through the Safari browser on the web.
How to pay with Apple Pay
In the shop:
When you pay for a purchase in a store, simply bring your phone to the terminal at the checkout and place your finger on Touch ID. You don’t need to open the application or unlock the screen, you don’t even have to look at your phone while paying, you will know that the payment has been successfully completed by the signal and subtle vibration of your iPhone
To make a purchase in a store using your Apple Watch, you need to double-click the button on the side and hold your watch close to the contactless reader. A gentle pulse and signal will confirm the success of the payment.
In the application:
For an in-app transaction, you must select the payment option “Apple Pay” or “Buy with Apple Pay.” After selecting payment, place your finger on the Touch ID sensor. After successful payment, you will see “Done” on the screen.
How to make a return
Returning via Apple Pay is not much different from returning via card.
The cashier may need your account number. You can find this number by selecting the card in the “Wallet and Apple Pay” window and clicking on the “i” sign
To process your return, be sure to select the card on your device that you used to make the purchase. Bring your device close to the payment terminal and confirm your return using Touch ID or enter your password.
The money may not be returned to the card immediately, but within a few days, it depends on the bank’s refund policy.
Is it safe to pay with Apple Pay?
Don't worry about the security of your payments. After all, paying for purchases through Apple Pay is even safer than with a regular card. Apple Pay doesn't use your card number. Instead, the system assigns a unique encrypted number to the card, which is stored on a special chip on your device. This chip can only be accessed during a transaction.
The data on the chip is in no way connected with the other software of your gadget, even if someone hacks your operating system, there is no way to extract financial information from it. Thus, during payment, your card details are hidden both from the seller and from surrounding people.
Additional security is provided by using a fingerprint to confirm payment.
What to do if the card is lost or stolen
If your card is lost or stolen, you should immediately notify the bank and block the card. After this, your card will be deactivated on all devices. When you receive a new card, add it to the application again.
What to do if your device is lost or stolen
If your phone gets lost or stolen, you can block Apple Pay remotely. Go to Find My iPhone on your other device or browser and turn on Lost Mode. Apple Pay will be stopped, your phone will be locked, and your data will remain safe.
As you can see, using Apple Pay is easy. The main thing when paying using your phone is not to forget about it and not to spend more than you planned.
The Apple Pay payment system officially began operating in the Russian Federation on October 4, 2016. From the very beginning to the present day, the service has maintained a leading position among its competitors. To use it effectively, we recommend that you read the information on how to use Apple Pay on iPhone 5S, Apple Watch or MacBook.
Basic service basics
Apple Pay– a virtual payment system that allows you to link a user’s bank card to a mobile device to make non-cash payments. The application is designed with the need for integration into the standard Wallet service.
To install the application, you must have an NFC chip in your device. It is present in all iPhone models, starting with SE and older. To pay for purchases with an iPhone 5S, you will need to link an Apple Watch to it. Then the transaction will be completed from the watch via a mobile phone.
You should first make sure that the required technology is supported by the issuing bank, and that a digital password and Touch ID are configured in your mobile device.
When connecting to the system and using it, you do not need to worry about your personal payment data: recipients of transfers do not have access to the card details. This ensures maximum safety of users' assets and personal information.
Setup procedure for iPhone
Before setting up Apple Pay, you need to update your mobile phone's iOS to the latest version. Then follow a certain sequence:
- launch the standard Wallet service;
- in the wallet menu, select the section for adding a payment card;
- In the confirmation window that opens, enter your Apple ID password;
- maintain the details of the card (number, expiration date, first and last name of the owner, CVV code) that needs to be linked;
- Confirm your actions using the code from the SMS message.
You can pay for purchases via Apple Pay at any terminal that supports the system
Card details can be entered manually, or you can use the scanning option. To do this, you need to place the plastic on the smartphone’s camera, and it itself reads all the information.
The total setup time for Apple Pay takes about 20 minutes, including manual data entry. An unsuccessful result is also possible: a notification “Your card issuer does not provide service support” is displayed on the screen. This means that Apple Pay is not supported by the servicing bank or there is no money on the card at all (there must be at least 1 ruble).
What is the Wallet app
Wallet– a standardized program for iPhone designed to store and sort all the user’s plastic cards. Moreover, you can add to the catalog not only bank cards, but also savings cards, discount cards, air tickets, movie tickets, theaters, galleries, and certificates. The program sorts the data and makes any information on it available for viewing: expiration dates, amounts of bonuses and discounts, balance, etc.
If the system has information about when a particular card is required, it will display it at the specified time. Independent access to the catalog is achieved by double-clicking the “Home” button. You can set the desired card to be selected by default when presented to an electronic reader while holding Touch ID.
The wallet archive stores information about the last 10 transactions from the card.
The information emblem (i) above the linked card allows you to perform the following actions when clicked:
- Refresh data (swipe down the screen).
- Remove from wallet.
- Share from all Apple devices.
- Activate or deactivate periodic data updating.
- Launch or install mobile banking of the issuing bank.
- Enable or disable the display option in lock screen mode.
- Activate or deactivate the use of the default card.
Using the service
Before you enable Apple Pay, you should familiarize yourself with the basic principles of using the service’s functionality. You can pay for selected goods or services only in those terminals that are marked with the Apple logo and the Pay signature. Other devices will not be able to carry out the transaction because they do not support the technology.
You can connect Apple Pay to any Apple gadget
Procedure for making a payment:
- The terminal must give a notification that it is ready to operate and receive data. After this, you need to bring your mobile device to the reading sensor while holding your finger on the Touch ID sensor. The distance between the sensors should be approximately 2-2.5 cm.
- The service will select the card that is set to be used by default.
- Next, the process of reading information will begin; until it finishes, the device must be kept motionless. As soon as the message “Ready” appears, you can remove the gadget from the terminal. The transaction has been completed.
- If you need to make a payment using another card from your Wallet wallet, you do not need to press Touch ID when you bring it to the sensor. Then the system will offer to select a card from those available in the catalog.
Contactless payment using an iPhone 6S phone has its own subtleties. This is only possible if you have an Internet connection. At some retail outlets, to confirm a payment transaction, you may need to enter an additional PIN code and sign an electronic receipt. These nuances may arise depending on the characteristics of the operating systems used by the seller.
Sometimes, for security reasons, the terminal may request additional input of the last four digits of the plastic number. They can be viewed in the Wallet wallet information menu: the gadget account number is indicated there. Through them the payer will be identified.
All contactless payments are made only in the amount of the cost of the purchase itself. The commission fee, if any, is paid without the user's participation, as agreed upon by the seller and Apple.
Payment online
A slightly different payment procedure is provided for transactions in virtual stores. In applications that support such a payment system, the “Buy with...” or “Donate with...” button and the end Apple Pay are displayed. Sometimes instead of the word Apple there is an apple logo.
Once you are sure that you can make a payment, you need to follow these steps:
- Double-check all product data and enter your own.
- Click on the payment button, funds will be debited from the default card. If you need to change it, you need to use the “>” mark in the wallet opposite the one you need.
- If necessary, hold down the Touch ID sensor.
- Until you receive a notification about the operation, do not release the sensor.
You can pay for online purchases if you have the Apple Pay payment icon.
Safety
Due to the increase in fraud cases, many users of electronic payment systems are concerned about security. The Apple Pay system ensures the complete safety of its customers' accounts by introducing certain conditions:
- Confirmation of any transaction occurs by entering a digital combination known only to the user, or by reading his fingerprint.
- Plastic card details are not stored in the memory of the mobile gadget or on the corporation’s servers, are not transmitted to payment recipients, and are not visible when making a transaction.
- The user's personal information is also hidden during transactions; the seller has access only to the information that the user enters into the order form.
If your mobile device is lost or stolen, you cannot use Apple Pay without its owner. Remote suspension of the system is carried out by contacting the Apple operations center or by contacting the bank that services the card. It is also recommended to launch the “Find iPhone” option, which will show the location of the device. It can function offline.
Who supports the system in Russia
The payment system is supported in the Russian Federation:
- The largest financial institutions: Sberbank, Alfa Bank, VTB 24, Raiffeisen, Tinkoff, B&N Bank, Gazprombank, Otkritie, Russian Standard, etc.
- Mobile operators: MTS, Beeline, Megafon.
- Electronic payment systems: Yandex money, Webmoney.
- Hyper and supermarkets: M.Video, AUCHAN, TSUM, Lenta, Eldorado, Svyaznoy, Karusel, Pyaterochka, Perekrestok, etc.
- Websites: Aeroflot, Kinopoisk, Rambler-kassa, Ozon, Afisha, Yandex-taxi, Lamoda, etc.
Using the Apple Pay system is very convenient and secure. By linking your plastic cards to your wallet in your mobile device, you don’t have to take anything but it with you when shopping. And just enjoy the process.
Does iPhone 5s support Apple Pay? This is the question that iPhone 5s owners in Russia asked after the launch of Apple Pay in our country officially took place. We answer immediately, without hesitation - there is no support for Apple Pay on the iPhone 5s. There is still a way out, however, it is not suitable for everyone.
There is no support for Apple Pay on iPhone 5s
Unfortunately, the Apple Pay payment system does not work with the iPhone 5s (and other “fives”). Apple smartphones before the iPhone 6 do not have an NFC module installed, and therefore there is no way to establish communication with payment terminals.
Online payments through the Safari browser and applications from the App Store on iPhone 5s and older iPhone models are also not supported.
Apple Watch helps out
The only way for iPhone 5s owners to start paying for purchases with Apple Pay is to use the Apple Watch. Note that Apple Pay support will not appear on the smartphone. Payment will be possible using smart watches that can be paired with iPhone 5s.
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Apple Pay in Sberbank
Using Apple Pay, Sberbank clients can make purchases safely, conveniently and confidentially in millions of stores, popular applications and websites. Read more about the service in our article.
Apple Pay is a mobile payment system that allows you to pay for purchases using NFC technology in retail outlets, applications and on the Internet. The system provides complete confidentiality and security to all users. Once you add a debit or credit card, the card number is not stored on your mobile device or on the Apple Pay servers.
Apple Pay is installed on iPhone 5 S, SE, iPhone 6 and 6+ and newer models, as well as Apple Watch.
To set up Apple Pay, your device must have a Touch ID fingerprint scanner and be signed in to your iCloud account.
How to connect Apple Pay on iPhone correctly
- Open the Sberbank Online application.
- Find the card page and the “Connect Apple Pay” or “Connect on iPhone” function.
- In the Wallet app, add a card (screenshots, codes and personal data are not required).
- Wait for the bank to verify the information provided.
- As soon as the card status on your page changes, you can use it to pay for purchases.
- There is another way to connect Apple Pay on iPhone:
- If a mobile bank is connected to the card, open the Wallet application.
- Find the “+” icon in the upper right corner and touch it with your finger.
- Add a card (security code required).
How to properly connect Apple Pay to Apple Watch
Open the Watch app on iPhone, then go to the My Watch tab.
Tap Wallet & Apple Pay.
Follow the same steps to add a map as for iPhone
Once your bank or card issuer verifies your card, click Next.
Connecting Apple Pay on iPad
- Make sure you are connected to mobile banking.
- Find the Settings feature and click on it.
- Tap the Wallet and Apple Pay app and select the "Add a credit or debit card" option.
- Add a card that is associated with your iTunes account using the code.
- If you need to add another bank card, enter the data using the camera.
How to pay for purchases using Apple Pay using iPhone: instructions
The payment procedure is quite simple. You need to bring your mobile device to the terminal and place your finger on Touch ID. As soon as your fingerprint is recognized, payment will occur automatically. If you transfer more than 1,000 rubles, the system may request a security code.
Never allow anyone to register your fingerprints on your iPhone.
How to pay for purchases using Apple Pay using Apple Watch
- Put your Apple Watch on your hand.
- Enter password.
- Press the side button twice.
- Select a Sberbank card.
- Bring your Apple Watch to the terminal.
- The terminal will report the successful completion of the operation.
How to pay for purchases using Apple Pay online and in stores
When placing an order, find the Apple Pay icon, tap it, and review all the information. To complete your purchase, place your finger on Touch ID. The inscription “Ready” will indicate that the procedure has been completed.
At any time, you can view card transactions directly on the screen of your gadget: to do this, select the required card from the list of linked ones.
Frequently asked questions and answers
Do I need internet to use Apple Pay?
To pay for purchased products in a store, you do not need Internet access. Smartphones interact with the terminal using NFC technology: this system uses a token and does not require an Internet connection.
Which Sberbank cards does Apple Pay support?
Apple Pay works with debit cards:
-
"Youth" Visa Classic
Visa Classic with individual design
Aeroflot Visa Gold
Aeroflot Visa Classic
Visa Signature Aeroflot
“Give Life” Visa Classic
“Give Life” Visa Gold
“Give Life” Visa platinum
World Mastercard Elite Sberbank First
Mastercard Standard
Mastercard Standard with custom design
World Mastercard "Gold"
Mastercard Platinum
Mastercard World Black Edition Premier
Mastercard Standard Contactless
Mastercard Standard Momentum
Mastercard Standard youth card with individual design
Apple Pay also works with credit cards issued by Sberbank:
“Give Life” Visa Gold
“Give Life” Visa Classic
Youth card Mastercard Standard
Mastercard Credit Momentum
Mastercard Standard
Aeroflot Visa Gold
Aeroflot Visa Classic
Does Apple Pay work with Visa Electron?
No Unfortunately.
Are there any fees for using the service?
There are no commissions (subscription fees) for using Apple Pay.
www.sberbank-gid.ru
How to set up Apple Pay on iPhone 5S?
06/15/17 at 10:43
In recent years, the iPhone 5S has become almost one of the best-selling iPhone models in Russia. Which is not surprising, thanks to its good performance, stylish design and fairly inexpensive price (especially for refurbished models). But after the appearance of Apple Pay, you probably have a question: how to connect Apple Pay to iPhone 5s?
How to connect Apple Pay to iPhone 5S?
The iPhone 5S cannot work directly with Apple Pay for 2 reasons: 1. It does not have a special chip that generates a payment code on the fly, 2. The 5S does not support NFC technology, which is necessary for contactless payments. However, there is one little trick that will allow you to use the iPhone 5S if you already have one: you need to buy an Apple Watch.
Firstly, you might have wanted to buy an Apple watch for a long time and perhaps now will be the best time for this, since Apple has released a more modern generation and prices for the previous ones will fall. For example, at the time of writing this article, some online stores are selling Apple Watch Sport 38mm with Sport Band at a price of 17,990 rubles. Which is several times cheaper than buying a new iPhone.
Secondly, paying for purchases via Apple Pay with Apple Watch is even more convenient than taking your iPhone out of your pocket. Yes, paying via Apple Pay is fast, secure and more convenient than using a plastic card. But if we talk about convenience and speed, then with the Apple Watch this operation will be even faster and easier.
But the question arises, which Apple Watch model is suitable? Answer: any, even the very first 1st generation Apple Watch models support Apple Pay.
If this option still doesn’t suit you, then the minimum iPhone model that supports Apple Pay is the iPhone SE. You can purchase it from about 21,000 rubles, in some cases cheaper. advertising
In September 2017, the Apple Pay payment tool turned 3 years old. During this time, he managed to achieve incredible popularity in America, Europe and, above all, Asia. The statistics collected by the Apple company are amazing: if you believe them, every second mobile phone owner in India, Thailand and Indonesia prefers Apple Pay. The geography of Apple Pay is regularly expanding: at the end of 2017, you can pay for purchases using this tool in such exotic places as the islands of Jersey and Guernsey, and even in the Vatican.
Jennifer Bailey, vice president of Apple, says that 98% of Apple Pay users are satisfied with the mobile payment system - and all thanks to its simplicity and security. An iPhone user who still prefers to roll a card with a magnetic stripe across the pin pad should try a new method - there is a high probability that he will no longer want to go back to the old one.
The operating principle of Apple Pay is based on technology - wireless data transmission over short distances (maximum 20 cm). The system digitizes the user’s bank card and encrypts the information using another important component – the Secure Element chip. The information contained in the Secure Element's memory is not transferred anywhere and Apple cannot access it either.
Apple Pay includes other elements:
- Secure Enclave– Responsible for authentication, payment transactions and storage of fingerprint data.
- Apple Pay Servers– the server part of the payment system, which is responsible for the status of cards entered into Wallet.
When the owner of the smartphone brings it to the pin pad, the 2 devices are paired. They begin to exchange so-called tokens– randomly generated sequences of numbers. If, knowing the token, you select the key and decrypt it correctly, you will receive a bank card number. However, in reality this task is practically impossible. It is worth noting that intercepting a token is also not an easy task; the information is deleted immediately after the pairing is broken (that is, the transaction is completed).
The note. Apple carefully hides information about the encryption algorithm - which greatly angers the intelligence services of different countries. However, the company's stubbornness is justified - apparently, Apple understands that if it gives the key to anyone, it will lose the respect of users.
What devices support Apple Pay?
Owners of the following devices can use Apple Pay:
- iPhone 6th, 7th and 8th generations, as well as X and SE models.
- iPad 4, mini 3, Air 2 and Pro tablets.
- iWatch.
- Macs released after 2012.
Apple Pay can also be set up on 5th generation iPhones, but in this case you can’t do without an Apple Watch.
How to connect Apple Pay?
First of all, you need to link your bank card to the service. If the card is issued by Sberbank, you should proceed as follows:
- Download, install and open the Sberbank Online application.
- Select the appropriate one from the list of cards and click the " Apple Pay».
- A window will appear on the screen prompting you to add the card to Apple Wallet. Click on the appropriate button - this is what you need.
- On the next screen, select the device you'd like to connect Apple Pay to - iPhone or Watch. Then at the stage " Adding a map» click the « button Further».
- Accept " Terms of user agreement».
- When the message “ Map added!", click on " Ready" The card is now linked to Apple Pay.
In the same way, you can link another card to the payment system. If there are several cards, they should be managed in the proprietary Wallet application.
You can link a card without using the bank application - directly in Wallet. Open the program. If there is an Apple Pay icon in the upper left corner, then the system is already activated. If not, go to the settings section " Wallet & Apple Pay" and turn it on.
Then in the Wallet app, tap on " + » in the upper right corner, enter the card details manually or take a photo of it. After this, the payment system must approve and remember the card.
If such a message appears on the screen, it means that either you are trying to link a card from a bank with which Apple Pay does not yet cooperate, or the card balance is less than 1 ruble. As of 2017, the list of banks supporting the Apple payment system is already quite extensive - it includes:
- Sberbank.
- VTB 24.
- Alfa Bank.
- Rosselkhozbank.
- Promsvyazbank.
- Raiffeisenbank.
- MTS-Bank.
- Gazprombank.
- Tinkoff.
Also, all Megafon, Beeline, Corn, and Yandex.Money cards are linked to Apple Pay.
How to use Apple Pay?
To pay for a purchase using Apple Pay, just bring the gadget to the pin pad and place your finger on Touch ID, thus confirming the debiting of funds.
You need to pay with the Apple Watch a little differently: you need to double-click the button located on the right side of the watch and turn the device with the screen towards the pin pad. A characteristic sound will be heard - this means that the payment was successful.
If the purchase amount exceeds 1,000 rubles, you may need to enter a PIN code or sign on the display.
The note. During payment, the Internet must be activated on the gadget - mobile or Wi-Fi - for data exchange. If your iPhone is in airplane mode, you won't be able to pay for your purchase.
Many users are interested in this question: do they have to pay a fee for using Apple Pay? It’s true, there is a commission, but it is not the owners of the devices who are required to transfer the percentage, but banks and payment systems MasterCard and Visa - 0.15% from each transaction. The users themselves do not overpay anything.
Conclusion
The Apple company continues to improve Apple Pay. With the release of iOS 11 in 2017, iPhone owners now have the ability to make direct money transfers. The service that allows you to do this is called Apple Pay Cash; unfortunately, it is only available in the USA for now. However, there is no doubt that Apple Pay Cash will reach Russia sooner or later.
Apple is also actively expanding the geography of its payment system. According to rumors, Apple Pay will soon appear in other countries of the former CIS. First up is Belarus.
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