Apple Pay is online, too: Apple Store, others apps accept Touch ID for authorizing purchases

Posted:
in iPhone edited October 2014
The official Apple Store application was updated on Monday with support for one-touch checkout using Apple Pay and Touch ID, marking the start of the online purchasing capabilities of Apple's new digital wallet service.




The official Apple Store application was updated on Monday, adding easy one-touch checkout capabilities with Apple Pay. Unlike with Apple Pay at brick-and-mortar stores, the online-only component does not require the NFC chip found in the iPhone 6 and iPhone 6 Plus, and will also be compatible with thew new iPad Air 2 and iPad mini 3.

Apple has promised a number of day-one supporters of Apple Pay within their official iOS applications, and accordingly those updates began to arrive on the App Store Monday afternoon. Among the first to be updated with support were Hotel Tonight, OpenTable, and Uber.

Other applications advertised with day-one support for Apple Pay are:



And the following companies are also advertised to add Apple Pay support to their official iOS applications before the end of 2014:
  • Eventbrite
  • Jack Threads
  • Levi's Stadium
  • Sephora
  • Starbucks
  • StubHub
By leveraging Apple Pay, these applications will be able to automatically tap into the credit cards a user may have scanned into Passbook on their iPhone 6 or iPhone 6 Plus.

At brick-and-mortar stores, Apple Pay utilizes the NFC chip found inside Apple's latest-generation iPhones to allow tap-to-pay functionality. Support is available at launch in over 220,000 locations across the U.S.

As for supported credit cards, Apple Pay participating banks are at the moment:
  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • Wells Fargo
Later this year, support for Apple Pay will be added by:
  • Barclay Card
  • Navy Federal Credit Union
  • PNC
  • USAA
  • US Bank
For a full rundown on how to set up Apple Pay and where you can use it at retail locations, see AppleInsider's complete guide.
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Comments

  • Reply 1 of 42
    snovasnova Posts: 1,281member

     if Target takes Apple Pay online, then it should only be a matter of time before they support it in store. That will be a big deal when and if it happens.

  • Reply 2 of 42
    macxpressmacxpress Posts: 4,875member
    Quote:

    Originally Posted by snova View Post

     

     if Target takes Apple Pay online, then it should only be a matter of time before they support it in store. That will be a big deal when and if it happens.


     

    Yeah I don't know why they don't. Every Target I've been into has already upgraded their credit card system which has NFC built into it. 

  • Reply 3 of 42
    Quote:

    Originally Posted by macxpress View Post

     

     

    Yeah I don't know why they don't. Every Target I've been into has already upgraded their credit card system which has NFC built into it. 




    Good for Target. They need this more than most companies since their POS hacking.

  • Reply 4 of 42
    solipsismxsolipsismx Posts: 19,566member
    Maybe next year it will work on websites, but with a different represetnational card number for each site/company since they will be seeing our card number since it passes through them.
  • Reply 5 of 42
    cpsrocpsro Posts: 2,461member

    How about Amazon.com?

  • Reply 6 of 42

    Does anyone know if Apple Pay requires internet access to work?

     

    I'd imagine that the tokenization process requires some communication with a supporting server, but does that go through the internet access on the phone, or could it potentially go through the POS system's networking infrastructure?

  • Reply 7 of 42
    macxpress wrote: »
    Yeah I don't know why they don't. Every Target I've been into has already upgraded their credit card system which has NFC built into it. 

    Target and BestBuy are part of the Walmart scheme to have their own corrupt payments system, both Target and BB have NFC capable readers but plan to keep the feature disabled.
  • Reply 8 of 42
    Originally Posted by SpamSandwich View Post

    ...POS hacking.

     

    Now that Apple Pay is released, I guess I'm going to have to retire my mental reading of "point of sale" using the other definition of the acronym...

  • Reply 9 of 42
    gatorguygatorguy Posts: 20,615member
    Now that Apple Pay is released, I guess I'm going to have to retire my mental reading of "point of sale" using the other definition of the acronym...

    You mean like ApplePay is a POS system?
  • Reply 10 of 42
    Quote:

    Originally Posted by addicted44 View Post

     

    Does anyone know if Apple Pay requires internet access to work?

     

    I'd imagine that the tokenization process requires some communication with a supporting server, but does that go through the internet access on the phone, or could it potentially go through the POS system's networking infrastructure?




    For physical retailers, it absolutely does not require the iPhone/Apple Watch to have internet access to work, much like a debit card.

     

    It is the responsibility of the retailer to pass the transaction details to the issuer and the customers bank to process the transaction.

     

    This is not the case, though, using Apple Pay inside an app.

  • Reply 11 of 42
    Originally Posted by Gatorguy View Post

    You mean like ApplePay is a POS system?



    It's the first one since the first cashiers that matches society's level of technology.

  • Reply 12 of 42
    Quote:

    Originally Posted by macxpress View Post

     

     

    Yeah I don't know why they don't. Every Target I've been into has already upgraded their credit card system which has NFC built into it. 


    Target is signed on to the 'other' payment system coming (eventually?) My guess is these vendors can't accept others in store yet. 

     

    http://www.mcx.com/

  • Reply 13 of 42
    macxpressmacxpress Posts: 4,875member
    Quote:
    Originally Posted by TheWhiteFalcon View Post





    Target and BestBuy are part of the Walmart scheme to have their own corrupt payments system, both Target and BB have NFC capable readers but plan to keep the feature disabled.

     

    Target uses their own RedCard, but thats simply to make it so they don't have to pay the credit card company fees (like Visa and MasterCard). Thats the point the Target RedCard

  • Reply 14 of 42
    Quote:

    Originally Posted by SolipsismX View Post



    Maybe next year it will work on websites, but with a different represetnational card number for each site/company since they will be seeing our card number since it passes through them.

     

    I don't see that happening simply because you could potentially have dozens (or more) "token cards" attached to your account. Right now there's only one device ID (for your phone) and tokens for each of the cards. Imagine how complex it would be to store that many more "card" numbers and reference them to a specific website?

     

    Countless websites already rely on third party processors to perform this for them. I could see these third party processors working with Apple to add Apple Pay as a supported method. That would be a HUGE incentive to use one processor over another, and websites using those processors would gain Apple Pay support without having to do anything else on their end. This way you could take care of tens of thousands of websites by supporting a dozen or so of the popular processors.

     

    As for large companies like Amazon, they're likely going to go the App route and handle Apple Pay processing within the App itself.

  • Reply 15 of 42
    solipsismxsolipsismx Posts: 19,566member
    …you could potentially have dozens (or more) "token cards" attached to your account.

    Yes, that's exactly what I'm suggesting and why I don't expect it to be available out go the gate. That's the only way I can see it happening if the card issuer is to be in control without a middle-man like PayPal in the mix.
  • Reply 16 of 42
    pmzpmz Posts: 3,433member

    So wait a minute...I can't use it in Safari for online shopping?

  • Reply 17 of 42

    I was able to use Apple Pay to make a purchase in my local Home Depot today. Any store that accepts contactless (RFID) credit cards should work with Apple Pay. It is completely transparent to the store. Apple Pay should work if you see any of these images on the credit card terminal.

     

  • Reply 18 of 42
    tenlytenly Posts: 707member
    macxpress wrote: »
    Yeah I don't know why they don't. Every Target I've been into has already upgraded their credit card system which has NFC built into it. 
    Apple Pay does not equal NFC although an NFC enabled card reader is definitely a requirement. I assume that the reader would also require a software update, as would the vendors own POS terminals. User training for their clerks is probably also a factor which would affect exactly when a given retailer begins to accept Apple Pay transactions.
  • Reply 19 of 42
    tenlytenly Posts: 707member
    gordonz wrote: »
    I was able to use Apple Pay to make a purchase in my local Home Depot today. Any store that accepts contactless (RFID) credit cards should work with Apple Pay. It is completely transparent to the store. Apple Pay should work if you see any of these images on the credit card terminal.

    <img alt="" class="lightbox-enabled" data-id="51020" data-type="61" src="http://forums.appleinsider.com/content/type/61/id/51020/width/350/height/700/flags/LL" style="; width: 350px; height: 97px">
    How do you figure that Apple Pay is transparent to the store? This can't be true.
  • Reply 20 of 42

    If the reader accepts NFC credit cards, no update to the reader is needed for Apple Pay. As far as the reader is concerned, it looks like a standard MasterCard, VISA or Amex NFC card payment.

     

    Up until recently, I programmed credit card terminals at one of the top 3 manufacturers. My former colleagues told me no code changes were needed to support Apple Pay. It just worked.

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