Apple Pay Payment Processing
Apple Pay is a mobile wallet application for all iPhone models after the iPhone 6 and for the Apple Watch. It utilizes the iPhone’s NFC capability in conjunction with a built-in fingerprint scanner to enable customers to pay for products with their phones at physical retail locations and within various iPhone and iPad apps. In September 2018, Apple also added the ability to send money to other Apple Pay users in the Messages app (known as “Apple Pay Cash”), similar to Venmo or Square Cash.
Apple Card
On August 20, 2019 Apple launched the Apple Card. The card integrates into Apple Pay users’ digital wallets. The card also provides users with similar benefits to conventional credit cards. Those benefits include 3% cashback for purchases from Apple, and 2% for any purchase made using Apple Pay.
Competes with Samsung and Google
Before they can use the service, Apple Pay users are first required to enter their card information into each device’s Wallet application, where the card information is tokenized and stored. They can then use Apple Pay to make purchases at all NFC-enabled credit card terminals with just a tap of their phones. Apple Pay’s primary competitors are Samsung Pay and Google Pay. Tim Cook is the CEO of Apple, whose headquarters are located at 1 Infinite Loop, Cupertino, California.
Apple Pay Review Table of Contents
- Costs & Contract: Apple Pay is free for users.
- Complaints & Service: Apple Pay has received generally positive reviews from experts and users.
- BBB Rating: Apple Pay does not have a profile with the Better Business Bureau at this time.
- Sales & Marketing: Apple Pay comes pre-installed on iPhone 6 and later models as well as on the Apple Watch.
- Rates & Fees: How Merchants Can Get The Most Out Of Apple Pay
20 Responses
Cancelled when I began to see a lot of unauthorized charges to my credit card for Grand Harvest Solitaire game I had played for years. I would now and then buy coins but not what was being charged so cancelled Apple Pay entirely.
Do not use. I was on a dating app going through some chats when an ad popped up. I tried swiping away the app, which did not work. So I went to close the entire window and when I did that it scanned my finger print and purchased a $130 of some sort of credits. Who would spend that kind of money on a dating app! I contacted them twice about the situation and they would not give a refund. Disappointing. I will never purchase another Apple product in my life. I am now an android girl!
Apple are thieves. They claim I owe them $14. They locked me out now of getting free apps like games etc. until I pay them $14 they say I owe. I have now left my 4 iPhones and 1 iPad to move over to android and Google play.
-Ditto- some sorts. Returned Apple merchandise due to misleading information by Apple Card which got the full refund, immediately. Weeks later, GS Bank sent me a payment notice for $40.00. Have no clue what is it for?
My credit history has been threatened…Contacting Apple Support, as well as, Government Consumer Protection Agencies with no avail, as they act as business-not consumer- protection. For some reason, Apple Card now continues their harassment to pay-only-$38.00 !
I was an avid Apple products, Now, I’m pissed off !!! Peace Man…!
A potential client approached me about the drop in his credit score. It happened after he had accepted a solicitation from ApplePay/Goldman Sachs about receiving a credit card with a “soft” inquiry. He was approved, and then the inquiry became “hard,” which showed up on his credit report and brought his score down several points. Is there some way to stop this scam?
I wish I read these reviews BEFORE I was scammed by Apple Pay. I was a
New user and suddenly I saw -$1,700 on the Apple Cash card I never used! When I contacted Apple Customer Service to resolve this issue they totally blew me off! I called 4 times and even talked to a “specialist.” Absolutely USELESS!!! As it stands now (after months of trying to get this resolved) my Apple Cash card still shows -$1,700!!!! Very Scary Scam Apple Pay is running!!!
Don’t use Apple Card. I couldn’t get Apple support to tell me what a charge was for so I closed the card. I used another VISA to pay monthly charges with Apple. Apple’s bank reported that I failed to pay $13 (which was paid on the Visa) and my credit score dropped!!!! I have written to credit agency and Apple’s bank and am being ignored. I still have $30.25 Apple cash that I cannot get transferred to my bank. I called Apple support and zero help. Frustrating. Stick with the conventional charge card companies that will resolve issues — Apple Card sucks.
Don’t Use Apple Pay or Cash, this is a scammers heaven and there isn’t a damn thing that Apple or GreenDot will do to help.
Apple pay is useless. There is a lot of communication problem with them. I went to a store and tried NFC and it failed multiple times and also it does not link to my bank which sucks.
DONT USE IT THEYRE COMPLETELY GARBAGE YOU CANT RESLLY BUY ANYTHING ANYWHERE ITS HORRIBLE THEYRE CUDTOMER SERVICE FUCKING S****.. THEY JUST S***, ITS USELESS IF YOU DONT HAVE A BANK ACCOUNT
My iPhone 6S Plus broke and I took it to the Apple Store and they informed me that it could not be repaired. I asked the employee what he recommends which he did and I might add he did a terrible job. I applied to pay for the phone by the opening a new account with Apple Pay and it was approved. I did this because I wanted to pay in installments. To make a long story short when I got home I quickly found out that this phone wold not meet my needs. I went back to the store and got a phone that was adequate. They punched the new numbers for the phone in which as more expensive. When I looked at my account on Apple Pay and their appeared to be several discrepancies. so I called their call center. The people at the call center could not answer my questions, I then found a another big discrepancy and called back to the call center who appeared to be extremely inexperience. I got so discussed because I couldn’t get any answers. I finally asked him what it would take to completely pay off the debt. All least he could do that. I then told him to cancel my account immediately. It appears to me that this is a shoddy company and I will not deal with this kind of company.
Apple Pay doesn’t offer any support for any transactions made with Apple Pay or An Apple Cash card. I was recently scammed and after over an hour online I was told to go to my local law enforcement authorities to file a complaint, that there was no way of disputing the transaction, although the other party must have had a bank or some sort of financial account linked to their apply pay account they were unable to reach out to them to assist me in retrieving my funds. So using Apple Pay is not safe, be careful when using your Apple Pay Apple Cash card it’s any of form of payment methods affiliated with Apple, they will not support, or assist you if you have any issues.
I have discontinued the use of all apple pay functions. Recently, I tried two different apps. Both offered free trials. I cancelled both within the free trial period and APPLE PAY charged me for both. I have sent multiple emails to APPLE. Somehow this communications technology company has not replied. I am directing my staff to also discontinue the use of APPLE PAY and APPLE WALLET. If APPLE can not or will not resolve improper charges, why would anyone do business with such an organization.
Contrary to Apple’s claim that they value their customer’s privacy, they give your email address to each and every merchant you do business with. This includes both Apple Pay and Apple Card.
It doesn’t matter whether you give the merchant a different email, Apple will always give them the one you have on file with Apple. You don’t have a choice in the matter. You may not opt out of giving a merchant your Apple email address. Apple makes that decision for you.
As for Apple Card, you cannot receive a paper statement. You may not review your transactions online or see your statement on the large screen of your computer or iPad. You may only see it on your iPhone. That’s it! Should your iPhone be lost, stolen, broken, etc,, you’re screwed!
I will never again trust Apple with my personal information, and I’ll never again use Apple Pay.
Two women I know have been scammed through using Apple Pay, they sent money and never received what they had bought.
Apple Pay doesn’t offer any protection for the buyer/individual at all.
Do NOT use Apple Pay.
600 dollars in 2 days from the two women I know of. God knows how many more they have scammed through using Apple Pay.
This post will help: Best Mobile Payment Processing Apps
-Phillip
The app is crap. You aren’t protected. If you know something I don’t, help me recover the $1850 that was taken from me. You can take people’s money. Apple Pay, your bank and the police will do nothing for you.
From The Editor
This Post Might Help: NFC Definition
Happened to me on 10-30-19. Attempted to make a partial payment and every time it rejected it and filled in full amount owed. Couldn’t go back to retry partial payment,, accidentally touched my home button and the whole amount payment was processed. Immediately contacted customer service who refused to cancel.
They somehow gave my credit card number to drop box who took 80.00 out of my bank for a business account I did not ask for.
Horrible. Falling apart like the company. All my cards got declined and was stuck with only the phone. :(. Bad on me for trusting a apple. They will not even answer the phone. The credit card company’s did. :(. Embarrassing for me owning Apple for years. Do you not trust Apple Pay. And do not leave the house without your cards. In this able all your Apple Pay from all the different places automatically take from your credit cards every month. Because are all being declined. And then to find out the Apple can’t even answer the phone at night with all the billions of dollars they can’t hire somebody for minimum wage answer her damn phone
Run! Do not get hooked into Apple Pay with Global Payments stl. Robbery! Since May of 2015 I have asked them over a dozen times in writing and over the phone to close my account to no avail. They have refused over and over to honor my request. They always tell me a supervisor will contact me within three business days but that has yet to happen. Now they keep fraudulently charging my account even though they promise me every time I call that they won’t charge my card. “Ma’am, I assure you we won’t charge your account again” has been told to me on five or six separate occasions but still they keep taking my money every single month and today they tried to steal another $295. from me!!!!!!!!! The last conversation I had with them they promised to have a supervisor to call me and officially close my account. That was weeks ago. Bad, bad business. I am going to write as many reviews possible on Apple and Global Systems to spread the word. I can’t afford this. I put a stop payment on these frauds and they changed the name of their company to try and get my money on the sly. Fortunately I was able to get that money back thanks to my awesome bank! Beware folks! Beware!