A Convenient Mobile Wallet
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 of conventional credit cards. Those benefits include 3% cash back 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 Apple Park Way, Cupertino, CA.
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
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.
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.
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.
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!!!
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.