Pay with Apple Pay on iPhone

Apple Pay is a payment service from Apple on the iPhone and Apple Watch, among others. The service makes debit cards superfluous. The cards simply remain in the wallet or do not even need to be carried anymore. Apple Pay works wherever you can pay contactless. Instead of a debit card, hold the iPhone at the payment terminal. In addition, you can also pay with the service in apps and on various websites.

Paying with Apple Pay is safe. The largest banks in the Netherlands are collaborating on the payment system. The user links a bank’s debit card to Apple Pay. The device does not store the debit card and transaction data on the device.

For each payment, the user must agree to the fingerprint scanner, facial recognition or unlock code of the phone. In addition, paying with Apple Pay in stores is done via a contactless communication method, called NFC. This means that someone can only pay if the phone is less than ten centimeters away from the card machine.

Apple Pay is available on the iPhone SE and iPhone 6 or later. People with an Apple Watch can also pay contactless via the watch. In addition, the service is accessible on newer models of the iPad. The device must contain the app of a participating bank. In addition, an Apple ID is required. That is an account with Apple.

The following banks in the Netherlands work with Apple Pay:

• ABN AMRO (Maestro cards)
• American Express
• Bank of America
• Bunq
• Curve
• iCard
• ING bank)
• knab
• monese
• N26
• open bench
• paysera
• Rabobank
• revolution
• Stocard
• sumUp
• Viva Wallet
• wise
• ZEN.
• COM

Activate Apple Pay via the bank’s app. Not using the bank’s app yet? Then download the app and set it up. Read more about this in the articles ‘Activating the ING Mobile Banking app’, ‘Creating an account Rabobank app’ or ‘Mobile banking with ABN AMRO’. The steps to activate Apple Pay vary by bank. Below is a general description that can help you with the different banks:

• Open the bank’s app.
• Open the app’s menu. For example, at Rabobank, tap Arrange yourself and at ING on the circle icon with a doll.
• Tap on Apple Pay.
• Do you have multiple accounts? Then tap the account you want to add to Apple Wallet.
• Tap a button similar to Put (your debit card) in the Apple Wallet.
• If prompted, choose which device to add the map to.
• Tap on Next one.
• Tap on Agree to accept the terms.
• Finally, tap a button to complete the activation, for example ‘Continue’ or ‘Go to Wallet’.

The debit card is now in the Wallet. You can now pay by phone.

Apple Pay works in all places where you can also pay contactless with the debit card. Indicate in the store that you want to pin. Grab your mobile and follow the steps below:

• Press the side button on the right side of the iPhone twice.
• Use facial recognition, fingerprint or the passcode for authentication. This is done in the same way as you normally unlock the phone.
• Hold the device near the reader of the payment device.

The payment has been made and the mobile can be stored again.