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Apple Cash customers can now use Instant Transfer with Mastercard debit cards in addition to Visa debit cards to move Apple Cash to their. For my own use and for gifts, it is incomparable to everything, but cash. 12 guests found this review helpful. Did you? Helpful Not helpful. Report review. You can transfer money from your Apple Cash card instantly or within 1 to 3 business days.

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Apple Cash gets Instant Transfer with Mastercard debit cards and more

Apple today announced a minor update to Apple Cash, the company’s digital wallet that works with Apple Pay and iMessage. As of today, Instant Transfer on Apple Cash is compatible with Mastercard debit cards, but there are some other changes as well.

In an email sent to Apple Card users on Thursday, Apple says users can now transfer money from their Apple Cash balance to a bank account using a Mastercard debit card and Instant Transfer. Previously this was only possible using a Visa debit card. With Instant Transfer, the money is sent immediately to your bank, so you don’t have to wait until the transaction is processed.

The company is also changing some Apple Cash terms and conditions with today’s update. Most notably, the company will now charge 1.5% (previously 1%) for transfers made with Instant Transfer. There will be a minimum fee of $0.25 and maximum fee of $15 per transaction. These changes will take effect from August 26, 2021.

Those who don’t want to pay any fees for sending money from the Apple Card balance to a bank account can use ACH transfers. However, this method takes from one to three days to add the money to your account.

With Apple Cash, users can easily send and receive money to friends and family through iMessage. The service is also integrated with Apple Card so users can receive Daily Cash. All the money in an Apple Cash account can be used in stores through Apple cash card Pay.

It’s worth noting that Apple Cash is currently exclusive to the US. You can learn more about it on Apple’s website.

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Источник: https://9to5mac.com/2021/08/05/apple-cash-gets-instant-transfer-with-mastercard-debit-cards-and-more/

Apple Pay

Mobile payment and digital wallet service

Apple Pay is a mobile payment and digital wallet service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web using Safari. It is supported on the iPhone, Apple Watch, iPad, and Mac. It is not available on any client device that is not made and sold by Apple (in particular, it cannot be used on any Android device, nor on any browser running on Windows). It digitizes and can replace a credit or debit card chip and PIN transaction at a contactless-capable point-of-sale terminal. It does not require Apple Pay-specific contactless payment terminals; it can work with any merchant that accepts contactless payments.[1] It adds two-factor authentication via Touch ID, Face Chime card atm near me, PIN, or passcode. Devices wirelessly communicate with point of sale systems using near field communication (NFC), with an embedded secure element (eSE) to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.

Originally launching in the United States, Apple Pay is available in Israel, Azerbaijan, Bahrain, the United Kingdom, Canada, Australia, Brazil, Mexico, Colombia, Costa Rica, the United Arab Emirates, Saudi Arabia, Qatar, Russia, Ukraine, Kazakhstan, China, New Zealand, Singapore, Hong Kong, Japan, Macau, Georgia, Belarus, Montenegro, Serbia, South Africa, and all countries in the European Economic Area (EEA).[1] Apple Pay supports both international payment schemes—such as American Express, Visa (including Electron and V Pay), Mastercard (including Maestro), and Discover—as well as country-specific domestic payment schemes like China's UnionPay, Japan's JCB, France's Cartes Bancaires, Canada's Interac, Australia's eftpos, Saudi Arabia's mada, Germany's Girocard and Russia's Mir. Participating banks vary by region.

Apple Pay can also be used to ride some public transport networks[2] either through the use of credit/debit cards (open loop) (for example across TfL in London, and at OMNY readers across New York City's subway and bus network) or dedicated travel cards such as JR East's Suica, the Chicago Transit Authority's Ventra, the San Francisco Bay Area's Clipper (closed loop) and Hong Kong’s Octopus Card.

Service[edit]

Device compatibility[edit]

The service is compatible with iPhone 6 and newer, iPad Air 2 and newer, Macs with Touch ID, and all Apple Watches. It can store between 8–16 cards (passes such as loyalty cards and tickets whitney bank online banking personal not count against this limit.)[3]

Technology[edit]

Apple Pay uses[4] the EMV Payment Tokenisation Specification.[5]

The service keeps customer payment information private from the retailer by replacing the customer's credit or debit card Funding Primary Account Number (FPAN) with a tokenized Device Primary Account Number (DPAN), and creates a "dynamic security code [.] generated for each transaction".[6] The 'dynamic security code' is the cryptogram in an EMV-mode transaction, and the Dynamic Card Verification Value (dCVV) in a magnetic stripe data emulation-mode transaction. Apple added that they would not track usage, which would stay between the customers, the vendors, and the banks. Users can also remotely halt the service on a lost phone via the Find My iPhone service.[6]

To pay at points of sale, users hold their authenticated Apple device to the point of sale system's NFC card reader. iPhone users authenticate by using Touch ID, Face ID,[6][7] or passcode,[7] whereas Apple Watch users authenticate by double-clicking a button on the device.[8] To pay in supported iOS apps, users choose Apple Pay as their payment method and authenticate with Touch ID or Face ID.[6] Users can add payment cards to the service in any of four ways: through the payment card listed on their iTunes accounts, by taking a photo of the card, being provisioned from within the card issuer's app, or by entering the card information manually.

Although users receive immediate notification of the transaction, the Apple Pay system is not an instant payment instrument, because the fund transfer between counter-parties is not immediate.[9] The settlement time depends on the payment method chosen by the customer. (An exception being payments made using a Japanese Suica card, which stores the user's balance on the card itself and can transfer funds directly to the merchant without the need for an online connection.)

In the United Kingdom, traditional contactless payments using bank cards are limited to £100 (previously £45 until 14 October 2021)[10] as no cardholder authentication is provided as part of the transaction. Payments using Apple Pay, however, support payments of any amount owing to the increased security and lower risk of fraud in Apple Pay transactions (although some issuing banks may impose their own transaction limits, and not all contactless readers support this functionality – see CDCVM below).[11] Similar transaction limits apply in other countries.

Apple assumes some liability for fraudulent use of the service.[6] Banks are expected to carry the burden of the service, and Apple is said to have negotiated smaller transaction fees. In turn, the banks hoped to capture purchases that were formerly handled without credit.[12]Financial Times reported that Apple receives 0.15% cut of US purchases made with the service,[13] but, following the UK launch, reported that Apple's cut is much lower in the UK. This is largely because Regulation (EU) 2015/751 capped interchange fees in the European Economic Area at 0.3% for personal credit cards and 0.2% for personal debit cards with effect from June 8, 2015.[14][15] In Russia, Apple receives 0.05% for debit cards and 0.12% for credit cards of each purchase, in addition, the bank pays 45 rubles a year for each card added in the service.[16]

Consumer Device Cardholder Verification Method (CDCVM)[edit]

In EMV-mode transactions, Apple Pay supports the use of the Consumer Device Cardholder Verification Method (CDCVM) using Touch ID, Face ID, or the phone's or watch's passcode. The use of CDCVM allows for the device itself to provide verification for the transaction and may not require the cardholder to sign a receipt or enter their PIN. Additionally, in certain markets which have a at home dna test near me verification contactless limit' using contactless cards (such as the £45 limit in the United Kingdom and the C$100 limit in Canada and the 300SAR limit in Saudi Arabia), the use of CDCVM can enable merchants to accept transactions higher than these amounts using Apple Pay, providing their terminal software is updated call bank mobile vibe customer service support the latest network contactless specifications.[17]

Express Transit or Express Travel[edit]

Since iOS 12.3, supported credit and debit cards, as well as some stored-value transport cards (such as Shanghai & Beijing transit cards, Suica, MTA and TriMet) can be used to pay for journeys on certain public transport networks without requiring the user to authenticate the payment with Touch ID or Face ID.[18] Once a supported credit, debit or transit card is selected as a user's Express Transit/Travel card, the user can simply hold their device near the card reader, for example at ticket barriers, to initiate or authorise payment for the journey.

Within iOS, the functionality is labelled as "Express Transit" in North America and "Express Travel" in most other English-speaking countries, because "transit" in most varieties of English has a narrower meaning of travelling through a jurisdiction or airport during a journey as opposed to travel or transport in general.

On iPhone XR, iPhone XS, iPhone XS Max and later, Express Transit/Travel cards can be used up to five hours on Power Reserve after the device has powered off due to a drained battery. The typical low-battery icon will display with "Express Cards Available" text appearing at the bottom of the display, letting users know that Express Transit/Travel is still available for usage.

(Express Mode more generally is also available for contactless student ID cards stored in the Wallet app[19] as well as digital car keys.[20]

A security flaw was reported in September 2021 whereby Visa cards configured for Express Travel/Transit can be charged with unlimited amounts by non-transport merchants without user authentication.[21][22][23]

Global acceptance[edit]

About two-thirds of merchants accept Apple Pay, but many terminals don't.[24] Due to provisioning differences between countries (and even between issuers), users may encounter acceptance issues when travelling to a different country. Some known examples include:

  • Canada, UK, Saudi Arabia, and possibly other non-US-issued Visa cards only support EMV-mode transactions and not legacy magnetic-stripe data-emulation transactions. Some contactless terminals in the US do not support EMV-mode contactless transactions (even if they support EMV contact transactions), and therefore these visitors to the US will receive a 'Could Not Complete Payment' error on the iPhone screen and an error on the terminal when attempting to use Apple Pay.

Apple Cash[edit]

Apple Cash, formerly Apple Pay Cash, is a feature that allows the transfer of money from one user to another via iMessage. When a user receives a payment, the funds are deposited in the recipient's Apple Cash card, where it is available for immediate use at merchants that accept Discover. Alternatively, the user can choose to transfer the balance to a nominated bank account via ACH transfer. Apple Cash is only available in the United States.[25][26]

Cost[edit]

Apple Pay does not cause additional fees for users and merchants. A card holder has a contract with the card issuer. A merchant has a contract with an acquirer. The acquirer has a contract with the card issuer. In Switzerland, participating card issuers pay for the service. In 2020, Swiss banks paid a fixed first interstate bank locations 0.275 CHF (0.26 USD) quarterly on every card to Apple. Additionally, they paid 0.12% for credit card transactions, and 0.17% for web or app based transactions. Swiss antitrust authorities require that an acquirer pays maximum 0.44% of the transaction amount to the issuer. The competition comission calls this amount "interchange fee". Apple charges between 27% and 39% of the credit card issuers income earned from the acquirer.[27][28][29][30][31]

History[edit]

2013[edit]

The service was in preparation for "a long time", as Apple acquired startups, hired executives and filed patents related to payments.[6] Apple partnered with American Express, MasterCard and Visa. Their joint project began in January 2013, though they had discussed Apple's potential involvement for years. Their joint solution was a system where single-use digital tokens would replace the transfer of personal information.[12] A Visa executive said that 750 people at the company worked on the anonymized "token" system for a year, and the other partners had similar teams in collaboration.[32] MasterCard began work on the project in 2013 and hoped that their joint work would become a "standard for mobile payments".[32] The announcement of the service came at a time when MasterCard and Visa policy created strong incentives for upgrading to mobile payment-compatible point of sale systems.[6] Apple then approached several big banks in mid-2013 and did not divulge the names of the other banks. To maintain secrecy, JPMorgan set up a windowless "war room" where the majority of the sensitive work was done. Of their 300 people on the project, about 100 knew that the partner was Apple. Others close to the project did not know it was named "Apple Pay" until the announcement. The company's participation remained a secret leading up to its announcement.[12]

2014[edit]

The service was announced at Apple's iPhone 6 event on September 9, 2014. At its announcement, Apple CEO Tim Cook described the magnetic stripe card payment process as broken for its reliance on plastic cards' "outdated and vulnerable magnetic interface", "exposed numbers", and insecure "security codes".[6] The iOS 8.1 software update accompanying the service's launch activated Apple Pay on compatible devices.[6][8][33] The company announced an API for app developers to build Apple Pay checkout into their apps.[6]

2015[edit]

The service initially supported US-issued payment cards. An international roll-out was ongoing, beginning with support for UK-issued payment cards in July 2015.[34] On December 17, 2015, Apple announced that it would launch Apple Pay with fifteen major banks in China,[35] and Chinese users could start to use Apple Pay on Bank of montreal branch locator 18, 2016.[36]

In October 2015, Apple Pay vice president Jennifer Bailey confirmed that KFC, Chili's, and Starbucks would begin accepting Apple Pay in 2016.[37]

2016[edit]

On March 8, 2016, ExxonMobil officially launched Apple Pay support within its Speedpass+ iOS app, letting customers pay for gas or car washes directly from their iPhone, eliminating the need to use the ExxonMobil's physical NFC Speedpass keychain token at the point of transaction.[38]

On April 27, 2016, ANZ made Apple Pay available to their American Express and Visa cardholders in Australia.[39][40]

On May 4, 2016, Kohl's became the first retailer to allow the use of Apple Pay with Kohl's Charge Cards or other credit or debit cards enrolled with Apple Pay and simultaneously earn Yes2You Rewards[41] loyalty points with a single tap using Apple Pay. JC Penney announced that they would be rolling out the same in the near future.[42]

On May 10, 2016, Apple Pay expanded the service in Canada to customers of RBC, CIBC, ATB Financial and Canadian Tire Bank. The expansion includes varying support for Visa, MasterCard, and Interac, covering most major debit and credit cards in Canada. Apple Pay was previously only available in Canada for non-bank-issued American Express cards. Apple Pay was expanded to TD Canada Trust, Scotiabank, and the Bank of Montreal in June to complete the rollout across Canada's Big Five financial institutions.[43] Apple Pay support is also coming soon to Air Canada, Aldo Group, Domino's Pizza, Pizza Pizza, Zulily, and the Toronto Transit Commission. Additionally, the payment service is integrated into the iPhone and iPad applications for the Apple Store, Delta Air Lines, Etsy, Fancy.com, Groupon, Kickstarter, Priceline.com, Starbucks, Ticketmaster, Uber, and Zara starting in June 2016.[44]

On May 19, 2016, Chime Banking initiated its support of Apple Pay.[45]

Apple Pay launched in Singapore on April 19, 2016, with American Express issued cards. On May 25, 2016, this was extended to support Apple cash card and MasterCard credit and debit cards issued by Singapore's five major banks, translating to about 83 percent of credit and debit cards in the country.[46]

BMO, Scotiabank, and TD Canada Trust, which make up three of the five largest banks in Canada, rolled out Apple Pay support on June 1, 2016.[47]

On June 1, 2016, KFC has announced that it accepts Apple Pay at some of its U.S. restaurants, with nationwide adoption to be completed by the end of the summer.[48]

On June 3, 2016, GrubHub began accepting payment from its customers using Apple Pay on its two applications; Grubhub and Seamless.[49] The company is keeping up with its rivals in adopting the payment service as Caviar, DoorDash, and Postmates.[50]

Apple announced at its WWDC 2016 keynote on June 13, 2016, that Apple Pay will be entering three new markets; France, Hong Kong, and Switzerland over the following months in partnerships with Visa, Mastercard, and American Express. Visa and Mastercard cards will be supported in all three markets, while American Express will also be available in Hong Kong. The specific credit, debit, and prepaid cards that can be used in each country vary depending on the participating issuers[51]

  • France at launch will include Banque Populaire, Boon, Caisse Epargne, Carrefour Banque, Orange, and Ticket Restaurants. It will also be accepted at many retailers in France, including Apple, Bocage, Boulanger, Cojean, Dior, Fnac, Le Bon Marché, Louis Vuitton, Orange, Pret a Manger, Parkeon, Sephora, and at other locations where contactless payments are already accepted.[52]
  • Hong Kong at launch will include the Bank of East Asia (BEA), Bank of China (Hong Kong), DBS Bank (Hong Kong), Hang Seng Bank, HSBC, and Standard Chartered. Apple Pay will also be accepted at 7-Eleven, Apple, Colourmix, KFC, Lane Crawford, Mannings, McDonald's, Pacific Coffee, Pizza Hut, Sasa, Senryo, Starbucks, ThreeSixty, and at other locations where contactless payments are already accepted.
  • Switzerland's launch of the service was on July 7, 2016, with Mastercard and Visa.[53] Initial banks deploying Apple Pay in Switzerland include Bonus Card, Cornèr Bank [de] (Cornèrcard), and Swiss Bankers. Apple Pay will also be accepted at retail locations of Aldi Suisse, Apple, Avec, Hublot, K Kiosk, Lidl, Louis Vuitton, Mobilezone, Press & Books, SPAR, TAG Heuer, and at other locations where contactless payments are already accepted.
  • A month after Apple Pay launched in Hong Kong, the service has expanded to The Bank of East Asia (BEA) and Hong Kong Telecom (HKT)'s Tap & Go contactless payments network.[54]

On June 26, 2016, Bendigo & Adelaide Mobile app check deposit bank of america alongside Commonwealth Bank, National Australia Bank and Westpac sought authorization from the Australian Competition & Consumer Commission (ACCC) for third party access to the iPhone's NFC chip (limited to Apple Pay) in order to distribute their own mobile wallet without any delays nor interference from Apple and also to collectively negotiate passing Apple Pay fees to cardholders. This action received support from the likes of Heritage Bank, Tyro Payments and Coles. An interim authorization, however, was not granted on August 19, 2016. A draft determination also denied the authorization apple cash card November 29, 2016. After a three-month extension, the ACCC released a determination denying authorization on March 31, 2017. During this time, the banks involved in this action held a collective boycott of the service.[55]

Under a partnership with American Express, Hong Kong and Spain will also get Apple Pay support in 2016.[56]

Bank of America is outfitting some of its ATMs with Apple Pay support and the ability to withdraw cash using it. The new Apple Pay enabled ATM is outfitted with the NFC reader and logo that Apple Pay users have become used to seeing since the service launched. The NFC reader is located directly to the left of the card reader, although unlike the card reader, the NFC reader does not light up. Bank of America has launched a new website[57] detailing the simple process of withdrawing cash with a smartphone (Google Pay, Samsung Pay, or Apple Pay). Bank of America says that "Consumer Debit Cards, U.S. Trust Debit Cards, Small Business Debit Cards (owner card only)" are supported.[57][58]Wells Fargo and JPMorgan Chase also integrated Apple Pay support into their ATMs.[59]

On August 18, 2016, Apple announced it has added Apple Pay support for customers of Yorkshire Bank and Clydesdale Bank in the United Kingdom.[60]

On August 29, 2016, ANZ expanded their support for Apple Pay to support MasterCard holders in Australia.[61]

On September 7, 2016, Apple announced that iPhone 7 and Apple Watch Series 2 users in Japan can add both local credit cards and FeliCa cards to their Apple Pay wallets. Only Suica cards are supported by Apple Pay, which can be used at subway stations, convenience stores, etc., just like regular Suica cards. Apple Pay also supports payment via all QUICPay and iD enabled terminals that are already popular in Japan.[62][63][64]

Taiwan's Financial Supervisory Commission began accepting applications from the country's banks offering Apple Pay to their customers on September 28, 2016. This includes the banks; CTBC Bank, Cathay, United Commercial Bank, E.SUN Commercial Bank, and Taishin International Bank.[65]

On October 13, 2016, Apple Pay rolled out in New Zealand, available to customers with Visa credit or debit cards issued by ANZ.[66]

On November 15, 2016, Apple Pay was made available to credit unions and minor banks under the Cuscal network in Australia.[67]

On December 1, 2016, Apple Pay started operating in Spain available to customers with cards issued by American Express, Banco Santander, Ticket Restaurante and Carrefour.[68]

2017[edit]

On January 13, 2017, ANZ was one of the first banks to release an instant provisioning service with Apple Pay in Australia, this allowed for customers to utilize the service even when they lost or had their card stolen.

On January 28, 2017, Credibanco and Redeban Multicolor enabled contactless payments such as Apple Pay; it was available by virtual prepaid card service like Boon Payment by Wirecard, Square Cash by Squareup and Yandex Money. Also, Apple Pay enabled bank cards are accepted.

On March 7, 2017, Ulster Bank and KBC Bank Ireland became the first banks in Republic of Ireland to launch Apple Pay.[69][70]

On March 29, 2017, Apple Pay launched in Taiwan with seven banks.

On May 17, 2017, Apple Pay launched in Italy (including San Marino and Vatican City) with boon., Unicredit and Carrefour Bank, also introducing support for Mastercard's Maestro and Visa's VPay, not available to use with Apple Pay in other countries.

On May 18, 2017, Apple Pay expanded in Ireland to include bank Allied Irish Bank.

On October 17, 2017, Apple Pay rolled out to the eftpos card network in Australia, marking the first card tokenisation service of the network. The rollout was only limited to ANZ Access cards and could only be used in physical stores.[71]

On October 23, 2017, Apple Pay expanded to Sweden, Denmark, Finland, and the United Arab Emirates.[72]

On October 24, 2017, BNZ (Bank of New Zealand) became the second bank in New Zealand to offer Apple Pay to their customers with eligible Visa cards.[73]

On November 28, 2017, Bendigo Bank was the first bank after the denied ACCC authorization to roll out Apple Pay to its Mastercard customers.[74]

2018[edit]

On February 1, 2018, Apple has confirmed that Apple Pay will arrive in Brazil as it announces its fiscal first-quarter results for 2018.

On March 28, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced support for multiple mobile wallets, one being Apple Pay.[75]

On March 30, 2018, iOS 11.3 released, Apple Pay supports the Shanghai Public Transport Card (SPTC) and Beijing Transportation Card for local buses, subways and other public transportation. The SPTC can also be used for public transportation in cities that have joined the City Union plan.[76]

On April 4, 2018, Apple Pay launched in Brazil with Itaú Unibanco (including Credicard).[77]

On May 1, 2018, Apple has confirmed that Apple Pay will arrive in Norway, Poland, and Ukraine as it announces its fiscal second quarter results for 2018.

  • On May 17, 2018, Apple Pay launched in Ukraine with PrivatBank.[78]
  • On June 19, 2018, Apple Pay launched in Poland with Alior Bank, BGZ BNP Paribas, BZ WBK, Getin Bank, mBank, Nest Bank, Pekao, and Raiffeisen Polbank.[79]
  • On June 20, 2018, Apple Pay launched in Norway with Nordea, Santander, and Sbanken.[80]

On July 31, 2018, Tim Cook announced on the Q3 2018 Earnings Call, that Apple Pay would launch in Germany later in 2018.[81]

On August 14, 2018, Apple Pay expanded in Brazil to include Banco Bradesco and Banco do Brasil.[82]

On September 18, 2018, similar to the Bank apple cash card America ATM rollout, ANZ made their contactless ATM available to all mobile wallets including Apple Pay. Contactless withdrawals were previously exclusive to their proprietary ANZ Mobile Wallet app.

On November 5, 2018, Apple announced the launch banks for the upcoming launch in Germany. This includes Deutsche Bank, HypoVereinsbank, comdirect, Fidor Bank, Hanseatic Bank, N26, bunq, VimPay and boon. by Wirecard.[83] American Express will also support all self-issued cards from launch. Payments networks include American Express, Mastercard (along with the debit brand Maestro), and Visa. The German national debit card scheme Girocard will not be part of the launch.

On November 8, 2018, Bendigo and Adelaide Bank subsidiary and neobank Up announced their instant provisioning service, being the second bank in Australia to do so. It also allows for customers to start using the banking service with Apple Pay before their physical card arrives.[84]

On November 28, 2018, Apple Pay launched in Belgium with an exclusive partnership with BNP Paribas Fortis, along with its subsidiaries Fintro and Hello bank![85] and support for the MasterCard, Maestro and Visa payment networks. In Kazakhstan Apple Pay launched with support from ATFBank, Eurasian Bank, Halyk Bank, Sberbank, Bank CenterCredit and ForteBank.[86]

On December 11, 2018, Apple launched Apple Pay in Germany along with a press conference at the Allianz Arena in Munich, the home stadium of the major football team Bayern München.[87] Apple also announced more banks to follow in 2019, including the major banks DKB, ING, Consorsbank (BNP Paribas), Consors Finanz (BNP Paribas), and the British FinTech Revolut. Meanwhile, on the same day as the launch in Germany, the German Public Savings Banks Association (DSGV / Sparkasse), with the largest share of consumer banking in Germany, has announced that it is seeking to gain access to the NFC chip in iPhones for their own proprietary payment solution.[88]

On December 14, 2018, Commonwealth Bank announced Apple Pay on its social media, which would launch in January 2019 for its customers.[89]

2019[edit]

On January 14, 2019, Apple Pay was confirmed by local banks in Czech Republic,[90] where it is expected to launch on February 19,[91] and Slovakia and Slovenia with launch expected during March.[92]

On January 18, 2019, Apple Pay announced support for dual-network debit cards in Australia. ANZ Visa debit cardholders can choose to pay via the Visa network (credit) or the Eftpos network (savings and cheque).[93]Eftpos also announced that Apple Pay can be used for cash out at Bunnings Warehouse and McDonald's with more participating retailers rolling out later.[94]

On January 22, 2019, Apple reportedly rejected a plan to launch[95] Apple Pay in Belarus.

On January 23, 2019, after two years of the declined ACCC determination, Commonwealth Bank and its subsidiary Bankwest rolled out Apple Pay to personal cardholders.[96][97]

On January 28, 2019, news surfaced in Germany[98] that the Volks- and Raiffeisenbanken (through BVR - National Association of German Cooperative Banks) were in negotiations to launch Apple Pay later in 2019. The co-operative banks are one of the three main pillars of Germanys unique retail banking structure, with a market share of around chemical bank open near me March 25, 2019, Apple Card was announced in partnership with Goldman Sachs and Mastercard.[100]

On March 27, 2019, Austrian bank Erste Bank und Sparkasse, prepaid service boon. from Wirecard, German bank N26, Slovakian bank Slovenská sporiteľňa,[92] and Romanian banks ING Bank Romania and Banca Transilvania announced that Apple Pay is coming soon to Austria, Romania, Estonia, Greece, Portugal, and others.[101][102][103] An upcoming announcement had become apparent after Austria had been marked as a supported country in an Apple Pay world map shown during the Apple Keynote earlier that week.[104]

On April 2, 2019, Apple Pay had its first addition of banks in Germany after the launch in late 2018.[citation needed]Consors Finanz (BNP Paribas), Monese, Viabuy,[105] Crosscard,[106] and Fleetmoney[107] joined the 12 launch banks.[citation needed]Westpac New Zealand launched Apple Pay on this date as well.[108]

On April 4, 2019, Slovakian bank mBank announced upcoming support for Apple Pay on their website.[109]

On April 4, 2019, BGL BNP Paribas bank announced on Twitter account that Apple Pay is coming to Luxembourg soon.[110]

On April 12, 2019, Portuguese bank Crédito Agrícula announced upcoming support for Apple Pay on their website.[111]

On April 24, 2019, Apple launched Apple Pay in Austria with Erste Bank und Sparkasse and N26. Other services marked as coming soon are, amongst others, Bank Austria, Revolut and VIMpay. In Germany, Consorsbank (BNP Paribas) was added to the list of supported banks. In Spain, interbank network EURO 6000 and all its members (ABANCA, Caixa Ontinyent, CajaSur, Cecabank, iberCaja, Kutxabank, Liberbank and Unicaja Banco) started to offer support for Apple Pay.

On April 24, 2019, Slovakian bank Tatra banka announced upcoming support for Apple Pay on their Facebook page.

On May 1, 2019, ING announced that it will bring Apple Pay to the Netherlands, being the first Dutch bank to do so.[112]

On May 8, 2019, Apple Pay launched in Iceland with Landsbankinn and Arion Bank.[113][114]

On May 15, 2019, Monese announced that they will bring Apple Pay to Bulgaria, Croatia, Cyprus, Estonia, Greece, Italy, Lithuania, Liechtenstein, Latvia, Malta, Portugal, Romania, Slovakia, and Slovenia.

On May 21, 2019, NAB and its subsidiary UBank rolled out Apple Pay. Apple Pay is available in Hungary (with Maestro and MasterCard) and Luxembourg.[115][116]Monese started supporting Apple Pay in Iceland & Norway. Portland area transit card Hop Fastpass began Apple Pay support.[117]

On May 29, 2019, Revolut started support for Apple Pay in the United Kingdom and France.

On May 30, 2019, Revolut started support for Apple Pay in Belgium, Czech Republic, Denmark, Finland, Germany, Iceland, Ireland, Italy, Norway, Poland, Spain, Sweden, and Switzerland.

On June 11, 2019, Apple Pay launched in the Netherlands with ING. Also Monese started supporting Apple Pay in Austria.

On June 12, 2019, Banca Comercială Română announced that it has been working with Apple to implement Apple Pay in Romania.

On June 18, 2019, Deutsche Kreditbank launched Apple Pay in Germany to its over 4m customers, being the 20th bank to launch the payment service to customers in the country.

On June 26, 2019, Apple Pay officially launched in Romania with the support of the following banks: Banca Transilvania, ING Bank, Unicredit Bank, Orange Money, Edenred, Revolut and Monese. In Greece Apple Pay launched with the following banks: Revolut, Monese and N26. Edenred Greece also started supporting Apple Pay. Apple Pay was also launched in the following countries: Bulgaria, Croatia, Cyprus, Estonia, Latvia, Liechtenstein, Lithuania, Malta, Portugal, Slovakia and Slovenia. In Germany, the co-operativeVolks- und Raiffeisenbanken (through BVR)[118] and the public savings bankSparkasse announced[119] an Apple Pay launch later in 2019. The two banks have a combined retail banking market share of around 70%.

On July 2, 2019, support for Apple Pay rolled out to customers with Erste Bank (with Visa card support too) and Granit Bank in Hungary and Klarna in Germany. Moreover, Apple Pay officially launched in Faroe Islands with Betri Bank.[120]

On July 10, 2019, support for Apple Pay rolled out to customers of Islandsbanki in Iceland.[121]

On July 12, 2019, Head of the Digital Technologies Department of the General Directorate of Payment Systems and Digital Technologies of National Bank of the Republic of Belarus, Anton Padrez announced upcoming support of Apple Pay[122][123] in Belarus by the end of 2019 on FinMobile conference.

As of July 16, 2019, all countries in the European Economic Area (EEA) support Apple Pay since the expansion of Monese and Revolut.

On August 6, 2019, Apple Pay launched in Macau with Union Pay by Banco Nacional Ultramarino and Industrial and Commercial Bank of China (Macau).[124][125]

On September 3, 2019, Apple Pay launched in Georgia with Bank of Georgia,[126]TBC Bank,[127] VTB Bank Georgia[128] and Liberty Bank.[129] Moreover, four more banks in the Netherlands rolled out support for Apple Pay: bunq, Monese, N26 and Revolut.[130] Dutch banks ABN AMRO and Rabobank announced support for Apple Pay is coming soon.[131][132]N26 also started support for Apple Pay in Switzerland and Iceland.

On October 15, 2019, the major international banks ING (bring the payment service to Germany) and Deutsche Bank (expanding to Italy after Germany and Spain previously) expanded their coverage in Europe. FinTech bunq expanded Apple Pay support to Austria. Phyre rolled out support for Apple Pay in Bulgaria. ABN Amro starts supporting Apple Pay in The Netherlands.

On November 5, 2019, The Spuerkeess bank announced that its customers could now use Apple Pay as a means of payment.[133]

On November 5, 2019, First Investment Bank is the first bank in Bulgaria to roll out support for Apple Pay only with Mastercard.[134]

On November 19, 2019, Apple Pay launched in Belarus with Sber Bank[135] with support of Mastercard and Visa cards.

On December 2, 2019, Bank of Valletta is the first national bank in Malta to announce that Apple Pay support for their Visa debit and credit cards is “coming soon".[136][137] The service rolled out to customers on December 10, 2019[138][139]

On December 4, 2019, support for Apple Pay rolled out to customers of Alfa-Bank, BSB Bank, Belagroprombank, Belarusbank, Belgazprombank, MTBank, Priorbank and VTB in Belarus with support of Mastercard and Visa cards.[140][141]

On December 4, 2019, support for Apple Pay rolled out to customers of iCard Bulgaria[142]

On December 10, 2019, support for Apple Pay rolled out to customers of UniCredit Bulbank[143]

2020[edit]

On January 28, 2020, Apple Pay launched in Montenegro with Crnogorska Komercijalna Banka[144] with support of Mastercard and Visa cards.

On January 30, 2020, Curve announced that its customers could now use Apple Pay as a means of payment.[145]

On April 1, 2020, TransferWise announced that its customers could now use Apple Pay as a means of payment.[146]

On April 7, 2020, Alpha Bank becomes the first Greek bank that launches Apple Pay in Greece, only for Visa cards.[147][148]

On April 8, 2020, Beijing T-union transit card, Yikatong marked with T-union and Shenzhen transit card were launched in Apple Pay and the cards could be used to pay the fares of the public transport in more 300 cities of China. At the same time, Beijing transit card(Yikatong) was removed, but the early added cards still could be used.[149]

On April 21, 2020, Volksbanken und Raiffeisenbanken Germany and announced that their customers could now use Apple Pay as a means of payment.[150][151]

On April 22, 2020, Raiffeisenbank (Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[152][153] On April 28, 2020, Westpac has become the last of Australia's big four banks to announce Apple Pay support for its customers.[154]

On June 1, 2020, Octopus card was launched in Apple Pay and the cards could be used in Hong Kong public transport, convenience stores, etc. Only iPhone 8 and Apple Watch Series 3 or newer models were supported due to the Octopus card using FeliCa technology. Other models, including iPhone 7 series sold in Japan that support FeliCa, do not support the Octopus card.[155][156]

Raiffeisen Bank (Serbia) has announced changes to its terms and conditions, effective June 15, 2020, announcing that Apple Pay will be available for Visa cards issued by the bank,[157] with Serbia becoming a new market for Apple Pay. The same month, it was announced that the European Commission (EC) will take two probes against Apple, the one being against Apple Pay. According to EC, "Apple is 'abusing' its control of the wallet through a policy that blocks third-party payment access to its NFC hardware, which enables contactless payments. Apple opposed the claim and cited the COVID-19 pandemic as a result of the increased number of people using contactless paying.[158]

On June 30, 2020, MastercardSerbia has enabled its customers who are clients of ProCredit BankSerbia to use Apple Pay.[159] On the same day Raiffeisen Bank (Serbia) offered Apple Pay to its Visa clients.[160] On the same day, OTP BankSerbia announced the arrival of Apple Pay on its Twitter account.[161]

On July 21, 2020, OTP BankSerbia announced that its Mastercard customers could now use Apple Pay.[162] On the same day Erste BankCroatia offered Apple Pay to its Visa clients.[163]

On August 6, 2020, Pasmo announced that its service will be available on Apple Pay within 2020.[164]

On August 18, 2020, UBS Switzerland, the largest bank of the country, announced that their customers could now use their UBS Credit or Prepaid Card with Apple Pay.[165] On the same day, the Dutch branche of American Express announced support for Apple Pay for all American Express and Flying Blue American Express cardholders in the Netherlands.[166] In Portugal, Banco Santander Portugal launched Apple Pay for its customers.[167]

On August 25, 2020, German public savings bank Sparkasse announced support for the widely used German national debit card scheme Girocard, making it the first German bank to support it.[168]

On October 6, 2020, Pasmo service was available on Apple Pay and Express Transit mode.[169][170]

On October 13, 2020 the section dedicated to Apple Pay on Apple's website for Mexico became operational, announcing that the service was coming soon to the country.

On November 3, 2020, Apple Pay became operational for Bank of Ireland customers. In Bulgaria, First Investment Bank brought Apple Pay to customers with Visa cards.[171]

On December 2, 2020, Banca Intesa BeogradSerbia announced that its Visa customers could now use Apple Pay.[172]

On December 9, 2020, Paysera brings Apple Pay to customers. Paysera network companies also operate in Latvia, Estonia, Bulgaria, Romania, Kosovo, and Albania.[173]

On December 11, 2020 the section dedicated to Apple Pay on Apple's website for Mexico was modified to announce that the service will be available in the country in 2021.

On December 31, 2020, New York City's Metropolitan Transportation Authority completed the rollout of its new OMNY fare payment system, bringing Apple Pay support to every bus and subway station in the city.[174]

2021[edit]

On February 23, 2021, Banorte and Citibanamex announced that its Mastercard customers could now use Apple Pay. Apple Pay is also available for American Express cards.[175][176][177]

On March 2, 2021, Raiffeisen Bank (Serbia) offered Apple Pay to its MasterCard clients.[160] On the same date, Banco Inter, a Brazilian digital-only bank, started to offer Apple Pay support for their debit and credit cards.[178]

On March 23, 2021 HSBC and Inbursa announced that their customers in Mexico could now use Apple Pay with their Mastercard credit and debit cards.

On March 30, 2021, Apple Pay launched in South Africa through banks Nedbank, ABSA and Discovery Bank, supporting American Express, Mastercard and Visa cards[179][180][181]

On April 20, 2021, Banca Intesa BeogradSerbia announced that its MasterCard customers could now use Apple Pay.[172]

On April 20, 2021, Bulgarian Postbank announced that its customers could now use Apple Pay as a means of payment.[182]

On May 5, 2021, Apple Pay launched in Israel, allowing customers of Bank Hapoalim, Bank Leumi, Bank Massad, Bank Mizrahi-Tefahot, Israel Discount Bank and First International Bank of Israel, as well as non-bank credit card holders of Isracard, CAL and MAX to use the service with American Express, Mastercard and Visa cards.[183]

On May 18, 2021, Investec announced that their customers in South Africa could now use Apple Pay with their Visa cards.[184][185]

On July 20, 2021, Erste BankMontenegro announced that their customers could now use Apple Pay with their Mastercard cards.[186]

On August 3, 2021, FNB announced that their customers in South Africa could now use Apple Pay with their physical Visa cards and virtual cards.[187]

On August 3, 2021 support became available to add Visa cards from several banks/issuers in Mexico.

On August 3, 2021, Trans.card Bulgaria announced that its customers could now use Apple Pay as a means of payment.[188]

On August 16, 2021, Central Cooperative Bank Bulgaria announced that their customers could now use Apple Pay with their Mastercard cards.[189]

On August 18, 2021, QNB Group and Dukhan BankQatar announced that their customers could now use Apple Pay.[190][191]

On August 30, 2021, Byala Karta Bulgaria (White Card Bulgaria) announced that its customers could now use Apple Pay as a means of payment.[192]

On September 7, 2021, United Bulgarian Bank announced that its customers could now use Apple Pay as a means of payment.[193]

On October 5, 2021, Bank of Bahrain and KuwaitNational Bank of Bahrain and ila Digital Bank - Bahrain announced that their clients could now use Apple Pay.[194][195][196] Apple Pay also available in Palestine.[197]

On November 2, 2021, Apple Pay launched in Azerbaijan through banks ABB,[198]Kapital Bank,[199]Unibank,[200]Bank Respublika[201] and Leobank,[202]Colombia through Bancolombia,[203] and Costa Rica[204]

On November 16, 2021 support for Apple Pay rolled out to customers of Pasha Bank in Azerbaijan.[205]

Availability[edit]

Global availability of Apple Pay

  Available (69 countries and territories)

Supported countries[edit]

Apple Pay is available in 69 countries and territories worldwide[206]

Date Support for payment cards issued in
October 20, 2014 United States
(except  Puerto Rico & other unincorporated territories)
July 14, 2015 United Kingdom
(excluding British Overseas Territories)
November 17, 2015 Canada
November 19, 2015 Australia
February 18, 2016 China
April 19, 2016 Singapore
July 7, 2016  Switzerland
July 19, 2016 France
 Monaco
July 20, 2016 Hong Kong
October 4, 2016 Russia
October 13, 2016 New Zealand
October 25, 2016 Japan
December 1, 2016is citi simplicity card easy to get rowspan="4">March 7, 2017 Guernsey
 Ireland
 Isle of Man
 Jersey
March 29, 2017 Taiwan
May 17, 2017 Italy
 San Marino
  Vatican City
October 24, 2017 Denmark
 Greenland
 Finland
 Sweden
 United Arab Emirates
April 4, 2018 Brazil
May 17, 2018 Ukraine
June 19, 2018 Poland
June 20, 2018 Norway
November 28, 2018 Kazakhstan
 Belgium
December 11, 2018 Germany
February 19, 2019 Czech Republic
 Saudi Arabia
April 24, 2019 Austria
May 8, 2019 Iceland
May 21, 2019 Hungary
 Luxembourg
June 11, 2019 Netherlands
June 26, 2019 EU (All Parts)
 Bulgaria
 Croatia
 Cyprus
(except  Northern Cyprus)
 Estonia
 Greece
 Latvia
 Liechtenstein
 Lithuania
 Malta
 Portugal
 Romania
 Slovakia
 Slovenia
July 2, 2019 Faroe Islands
August 6, 2019 Macau
September 3, 2019 Georgia
November 19, 2019 Belarus
January 28, 2020 Montenegro
June 30, 2020 Serbia
February 23, 2021 Mexico
March 30, 2021 South Africa
May 5, 2021 Israel
August 17, 2021 Qatar
October 5, 2021 Bahrain
 Palestine
November 2, 2021  Azerbaijan
 Colombia
Costa RicaCosta Rica

Supported payment networks and card schemes[edit]

  • Visa (worldwide. Japanese Visa cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[207]
  • Visa Electron (worldwide)
  • V Pay (only in Europe)[208]
  • Mastercard (worldwide. Japanese Mastercard cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as QUICPay or iD cards.)[209]
  • Maestro (worldwide)
  • American Express (worldwide. Japanese American Express cards in Apple Pay also function as FeliCa-based QUICPay cards in addition to EMV contactless cards.)[210]
  • Discover Card (only in the United States)[211]
  • U.S. Debit (only in the U.S. CDCVM may not be supported, requiring the customer to enter their PIN on the terminal.)
  • Diners Club International (only in Japan. Only function as FeliCa-based QUICPay cards and do not support the global EMV contactless standard.)
  • JCB (worldwide. Japanese JCB cards in Apple Pay also function as FeliCa-based QUICPay or iD cards in addition to EMV contactless cards, although some issuers do not support EMV contactless in Apple Pay, meaning such cards will only function as Apple cash card or iD cards.)
  • Cartes Bancaires (CB) (only in France) [212]
  • Interac (only in Canada) [213]
  • EFTPOS (only in Australia)[214]
  • China UnionPay (worldwide)[215]
  • China T-Union (select cities in China)
  • Suica, PASMO, iD, QUICPay, WAON, and nanaco (only in Japan. FeliCa-supported iPhone and Apple Watch models only.)[216][217][218]
  • SPTC transit card (only in Shanghai) [219]
  • Yikatong (only in Beijing)[220]
  • mada (only in Saudi Arabia)[221]
  • Clipper (only in San Francisco Bay Area, California, United States)[222]
  • Hop Fastpass (only in Portland, Oregon, United States)[223]
  • SmarTrip (only in Washington, D.C., United States)[224]
  • TAP (only in Los Angeles, California, United States)[225]
  • Ventra (only in Chicago, Illinois, United States)[226]
  • Elo (only in Brazil)[227]
  • Octopus (only in Hong Kong. FeliCa-supported iPhone and Apple Watch models only.)[228]
  • girocard (only in Germany)[229]
  • Mir (only in Russia)[230]

Supported loyalty programs[edit]

These programs are conveyed through NFC via Apple Pay's VAS protocol.

Usage within public transport systems[edit]

For public transport systems where payment cards can be used, passengers can travel with Apple Pay without authenticating each transaction. Express Transit/Travel mode is available in the following places:[247]

Country/Region Scenario Fare Payment Method(s)
BelarusAll stations of Minsk MetroDebit and credit cards
China mainland[248]All forms of transit and stores that accept Beijing Transit cards Beijing Transit Card[note 1]
All forms of transit that accept Shanghai Transit cards and selected forms of transit that accept China City Union cards Shanghai Transit Card[note 1]
All forms of transit that accept China T-Union cards Beijing T-Union Transit Card, Changsha Transit Card, Changzhou Transit Card, Chaozhou Transit Card, Dalian Transit Card, Foshan Transit Card, Guangzhou Transit Card, Heyuan Transit Card, Jiangmen Transit Card, Jieyang Transit Card, Jinan Transit Card, Maoming Transit Card, Nanchang Transit Card, Nanjing Transit Card, Shanwei Transit Card, Shanghai T-Union Transit Card, Shaoguan Transit Card, Shenzhen Transit Card, Shijiazhuang Transit Card, Suzhou Transit Card, Xiamen Transit Card, Xi'an Transit Card, Xuzhou Transit Card, Yunfu Transit Card
All stations of Beijing Subway and Beijing Suburban RailwayYitongxing Miaotong Card
FinlandAll Föli transit operators Debit and credit cards
Hong KongAll forms of transit and stores that accept Octopus Octopus[249]
JapanAll forms of transit and stores that accept Suica Suica
All forms of transit and stores that accept PASMO PASMO[250]
United KingdomAll Arriva UK Bus transit operators Debit and credit cards
All First Bus Group transit operators Debit and credit cards
All stations of Transport for LondonDebit and credit cards
United StatesAll forms of transit that accept Ventra Ventra[251]
All forms of transit that accept TAP TAP
All stations of Metropolitan Transportation AuthorityDebit and credit cards
All forms of transit that accept Hop FastpassHop Fastpass, debit and credit cards
All forms of transit that accept Clipper Clipper
All forms of transit that accept SmarTrip SmarTrip

In addition to the above scenarios, Apple Pay can still be used with other non-Express Transit/Travel readers that accept contactless open loop payment cards, but they will have to be verified beforehand.

Supported car keys[edit]

These car models can be unlocked and started via NFC with the iPhone XR, iPhone XS or later, and Apple Watch Series 5 or later. Car models that support operation via UWB will require an UWB compatible device, such as the iPhone 11 or later or the Apple Watch Series 6 or later.[252]

Main article: List of digital keys in mobile wallets

Supported campus identifications[edit]

Main article: List of campus identifications in mobile wallets

Reception[edit]

Reviews[edit]

Journalists noted the multiple previously unsuccessful efforts of other retailers to build mobile payments services,[6][32] including those of PayPal, Walmart, Target,[6]Google Wallet, and Softcard.[32] They noted that previous efforts did not solve customer inconvenience issues, and felt that Apple Pay potentially did.[6]The Verge's Adrianne Jeffries noted that mobile payment market fragmentation was partially due to Apple's refusal to enter the market. BusinessWeek's Joshua Brustein added that Apple has a history of letting "first movers fail" with an early version of the service before releasing "a more polished version of the same idea".[6]The Verge's Dieter Bohn called Apple Pay the "week's most revolutionary product" and the announcement "a classic Apple moment of simplification and integration", and the partnership between payments services and Apple "a rare piece of collaboration and agreement". He predicted that the service's effect on the mobile payments industry would be similar to the iPhone's effect on the smartphone industry.[32] Nathaniel Popper of The New York Times referred to the banks' level of coordination with Apple as "elaborate" and indicative of mutual "preparation and investment".[12] Some analysts added that the service could reduce the standard credit card transaction fees over time since fees traditionally cover credit card fraud. The banks were willing to work with Apple in the face of efforts like Bitcoin and the Merchant Customer Exchange, which seeks to work around the card networks.[12]

Early reviews of the service regarded it as easy to use, but were not sure whether the service would become widely adopted.[253][254]The Verge'sNilay Patel wrote that the product demo was "remarkably smooth" and "a cohesive user experience".[253] Patel said the process took five to ten seconds at a retail card reader and added that it may be less smooth at stores such as Walgreens, where cashiers prompt customers for loyalty cards and charity donations.[253]The New York Times' Neil Irwin wrote that Apple exaggerated the inconvenience of credit cards. Among the plastic card's benefits, he included how others could make purchases on another's behalf and how dead cell phones could leave the owner stranded.[254]

In a 2018 publication released by Consumer Reports, Apple Pay was the leading payment service.[255]

Adoption[edit]

Paying for coffee with Square'scontactless + chip reader

Apple announced that more than one million credit cards had been registered on Apple Pay in the first three days of its availability,[256] making it the largest mobile payment system in the US at the time.[257] There were 220,000 participating vendors when it launched.[258][259] Outside the United States and the United Kingdom, Apple Pay can be used with American hd movies captain america the winter soldier British payment cards at compatible NFC-based payment terminals.[260][261][262]

In the United States, Apple faced opposition by the mobile payments industry, particularly the Merchant Customer Exchange (MCX) which was trialing a competing system known as CurrentC. Several participants of CurrentC, such as Best Buy, Walmart, and Publix had initially stated that they would not accept Apple Pay as a result of exclusivity deals. CVS Pharmacy and Rite-Aid subsequently disabled all NFC payment systems in favor of CurrentC,[12][263][264] although due to the exclusivity period ending in August 2015, Rite Aid has begun accepting it August 15, 2015.[265][266]Best Buy has begun to accept Apple Pay at all stores starting in October 2015.[267]

Target's CEO Brian Cornell said that they would be open to accepting Apple Pay eventually after the conversion to chip and PIN technology is done, but they remain involved with MCX.[268] On January 22, 2019, Target announced the roll-out of Apple Pay support to all of its US stores.[269]

Transport for London, one of Apple Pay's official UK launch partners and one of the largest contactless merchants in the world, became the UK's most used Apple Pay merchant.[270][271][272][273]

As of February 11, 2016, 20% of iPhone 6 users in the United States reported using the service at least once.[274] Apple maintains an up-to-date list of merchants who accept Apple Pay on its website.[275]

On June 2, 2016, according to Fortune, Apple said its mobile payment platform is gaining a million new users each week, yet the company did not reveal the total number of Apple Pay users. Apple also revealed that transaction volume through the service is five times what it was a year ago, and that payment volume within apps more than doubled in the second half of 2015.[276]

With the launch of Apple Pay in China, the service hit three million provisions inside its first three days, while, more generally, it is adding one million new users per week worldwide.[277]

On July 11, 2016 Liquor Control Board of Ontario (LCBO) confirmed that it accepts Apple Pay at all of its over 850 stores in Ontario, Canada. LCBO had been gradually rolling out Apple Pay support since June at its stores, which had NFC-based terminals for contactless payments.[278]

Starting on August 19, 2016, Apple Pay will be available in Chick-fil-A restaurants across the United States, allowing fast food buyers to make their purchases both in-store and at the drive-thru using Apple Pay.[279]

On September 7, 2016, Wayfair announced that they will support Apple Pay in Safari on iPhone, iPad, and Mac at launch.[280]

On May 22, 2018, TransLink announced support for Apple Pay at all fare gates and on buses.[281]

On July 31, 2018, Tim Cook announced that both CVS and 7-Eleven in the United States will support the service.[282]

On May 31, 2019 New York City Transit announced support for Apple Pay at its OMNY terminals on busses and subways.[283]

On August 21, 2019 and December 23, 2019, Miami Dade Transit announced support for Apple Pay at all fare gates and on buses.[284]

In Feb 2020, Apple Pay accounted for 5% of global card transactions.[285] On April 4, 2020 Publix CEO Todd Jones announced Publix would be supporting Apple Pay immediately to help consumers fight COVID-19.[286]

Notes[edit]

  1. ^ abExisting users only

References[edit]

Источник: https://en.wikipedia.org/wiki/Apple_Pay

What is Apple Cash, how does it work, and how do you set it up?

(Pocket-lint) - Apple Cash is part of Apple Pay but it lives in Apple's Messages app, offering a way to send, receive and request money person-to-person.

All the money you receive via Apple Cash is loaded onto a virtual card that exists within Wallet - Apple's app for storing credit cards, debit cards, loyalty cards, boarding passes, tickets, and more.

This is everything you need to know about Apple Cash - previously called Apple Pay Cash - including how it works, where it is available and how to set it up.

How does Apple Cash work?

Apple Cash allows you to send, receive and request money in the Messages app. It's also possible to ask Siri to pay someone in your contacts. When you send money, your Apple Cash card will be used by default, but you can change this to use your debit card instead, or a combination of both if the amount is more than the balance on your Apple Cash card. If you send money to someone and they don't accept it, you can cancel the payment.

When you receive money through Apple Cash, it is automatically loaded onto your Apple Cash card in Wallet, which you can then transfer to your bank account, use as any other card when making Apple Pay purchases, or use to pay someone through Apple Cash.

The first time you use Apple Cash, you will have seven days to accept the money you have been sent. Once you have accepted the terms and conditions, payments are automatically accepted - though you can change this to be manual.

Below is a breakdown of how to send money through Apple Cash, request money through Apple Cash, respond to an Apple Cash request and how to cancel an Apple Cash payment. 

Apple

How to send money through Apple Cash

As mentioned above, when you send money using Apple Cash, the Apple Cash card is used to pay first by default, though you can change this to be your debit card if you wish. If you don't have enough money on your Apple Cash card, one of the debit cards in Wallet will fund the rest of the payment.

To send money through Apple Cash on your iPhone or iPad, follow these steps: 

  1. Open the Messages app
  2. Start a new conversation or open an exisitng one with the person you want to send money to
  3. Tap on the Apple Pay logo in the app drawer below the input box - you may need to swipe across
  4. Enter the amount you want to pay
  5. Tap Pay
  6. Tap the send button to review or cancel the payment
  7. Confirm your payment with Face ID, Touch ID, or your passcode

If you want to use your debit card instead of your Apple Cash card, follow steps 1-6, then tap on the blue arrow next to the payment method. You'll then need to toggle off Apple Cash and choose the debit card you want to use. Tap Back and then complete step 7. You'll need to turn Apple Cash back on if you want to use it as your default payment again.

To send money through Apple Cash on your Apple Watch, follow these steps:

  1. Open the Messages app
  2. Tap an existing conversation
  3. Scroll down, then tap the Apple Pay button, which is a dollar sign in a blue circle
  4. Tap the minus sign or the plus sign to change the amount
  5. Tap on the amount in the message, then you can use the Digital Crown to change the amount
  6. Tap Pay, then review or cancel the payment
  7. Double-click the side button

You could also ask Siri. To do this, on your iPhone or Apple Watch, say "Hey Siri," then something like, "Send 25 dollars to Jane for movie tickets." You'll then need to choose Wallet or Apple Pay.

Apple

How to request money through Apple Cash

You can send a request for money through Apple Cash in the Messages app and the recipient can tap Pay, then change or confirm the amount they want to send.

To request money through Apple Cash on your iPhone or iPad, follow these steps:

  1. Open a conversation in the Messages app or start a new conversation with the person you want to request money from
  2. Tap the Apple Pay button in the app drawer below the input box
  3. If you don't see the Apple Pay button, tap the App Store button on the left of the input box first
  4. Enter an amount
  5. Tap Request
  6. Send your request

To request money through Apple Cash on your Apple Watch, follow these steps:

  1. Open the Messages app and choose a conversation with the person you want to request money from
  2. Tap the Apple Pay button - the blue circle with the dollar sign
  3. Enter an amount
  4. Swipe on the Pay button to show the Request button
  5. Tap Request
Apple

How to respond to an Apple Cash request

To respond to an Apple Cash request in Messages on your iPhone or iPad, follow the steps below:

How to downgrade iOS and keep your data
How to downgrade iOS and keep your data By Pocket-lint Promotion ·
  1. Open the request in the Messages app
  2. Tap Pay on the message
  3. Review the amount to send
  4. Tap Pay to continue, or change the amount
  5. Confirm using Face ID, Touch ID, or your passcode and send your payment

To respond to an Apple Cash request in Messages on your Apple Watch, follow the steps below:

  1. Open the request in the Messages app
  2. Tap Pay on the message
  3. Review the amount to send.
  4. Tap Pay to continue, or use the Digital Crown to change the amount
  5. Double click the side button to confirm and send your payment

To decline a request for money, just ignore the message.

Apple

How to cancel an Apple Cash payment 

If you want to cancel an Apple Cash payment, follow the steps below:

  1. Open the Messages app
  2. Open the conversation with the person you have made the Apple Cash payment too that you want to cancel
  3. Tap on the payment
  4. Your Apple Cash card will open in the Wallet app
  5. Under Latest Transactions, tap the payment, then tap it again
  6. Tap Cancel Payment

If Cancel Payment isn't an option, the person you sent the payment too has already accepted the money.

Apple

How to automatically or manually accept Apple Cash payments

As we mentioned above, the first time you use Apple Cash, you will have to seven days to accept the money sent to you, after which you accept the terms and conditions and then payments are automcatically accepted by default. It's possible to change this to manual however, which will mean you will see an Accept button on any money you are sent through Apple Cash.

You then have seven days to accept the money. If you want to reject it, open the Wallet app on your iPhone > Tap your Apple Cash card > Find the payment under Latest Transactions > Tap the payment > Tap the payment again > Tap Reject Payment.

To choose between automatic or manual accepting of payments on your iPhone:

  1. Open the Wallet app on your iPhone
  2. Tap your Apple Cash card
  3. Tap the three dots
  4. Tap Automatically Accept Payments or Manually Accept Payments

To choose between automatic or manual accepting of payments on your iPad:

  1. Open the Settings app on your iPad
  2. Scroll down and tap Wallet & Apple Pay
  3. Tap your Apple Cash card
  4. Tap Automatically Accept Payments or Manually Accept Payments

To choose between automatic or manual accepting of payments on your Apple Watch:

  1. Open the Apple Watch app on your iPhone
  2. Scroll down and tap Wallet & Apple Pay
  3. Tap your Apple Cash card.
  4. Tap Automatically Accept Payments or Manually Accept Payments

Where does Apple Cash work?

Apple Cash works wherever Apple Pay is supported, which is anywhere that contactless payment is supported. 

Not only can you use funds in your Apple Cash card to send and receive money via Messages, but you can also use it to make Apple Pay purchases at ameris bank locations in alabama locations, on the web, and in apps.

You can even transfer Apple Cash funds to your own bank account or eligible Visa or Mastercard debit card. You can find out more about how to do that on Apple's Support page.

What do you need for Apple Cash?

To send and recieve money in the Messages app person-to-person using Apple Cash, you'll need to have all of the following:

  • Be at least 18 or over
  • Live in the United States
  • Have a compatible device running iOS 11.2 or later or watchOS 4.2 or later
  • Set up two-factor authentification for your Apple ID
  • Sign into iCloud with your Apple ID on any device that you want to use to send or receive money
  • Add an eligble debit card in the Wallet app so you can send money

Which devices support Apple Cash?

Apple Cash is available on iPhone, iPad, and Apple Watch running iOS 11.2 or later or watchOS 4.2 or later. The following devices are compatible with Apple Cash, but remember, you have to live in the US:

  • iPhone models with Face ID
  • iPhone models with Touch ID (excluding the iPhone 5S)
  • iPad Air, iPad, and iPad mini models with Touch ID or Face ID
  • Apple Watch Series 1 and 2 and later
  • Apple Watch (1st generation)
Apple

How to set up Apple Cash

To set up person-to-person payments through Messages using Apple Cash, follow the steps below: 

  1. Open the Settings app on your compatible iPhone or iPad
  2. Scroll down and tap on Wallet & Apple Pay
  3. Toggle Apple Cash on
  4. Under Payment Cards, tap on Apple Cash
  5. Tap Continue and follow the instructions on your screen
Apple

How to set up Apple Cash for a child or teen

It's also possible to set up Apple Cash for a family member that is under 18 and in your Family Sharing group so they too can make purchases, and send and receive money in Messages. You can limit who your child or teen can send money to, get notified when they make transactions, and lock their account.

The family organiser has to set Apple Cash up for the child or teen, and they will need to use the same Apple ID for Apple Cash as they did for setting up Family Sharing.

They will also need to have a compatible iPhone, iPad or Watch running the latest iOS, iPadOS or watchOS software. They will also need to sign in to iCloud on each family member's device using their Apple ID, turn on two-factor authentification for each Apple ID and make sure each device region is set to the US.

If you can tick all those boxes, these are the next steps:

  1. On the family organiser's iPhone, open the Settings app.
  2. Tap [your name], then tap Family Sharing.
  3. Tap Apple Cash, then choose a child or teen.
  4. Choose Set Up Apple Cash.
  5. Follow the instructions on your screen to set up their account. You apple cash card need to verify your identity. If you see Pending, make sure your child meets the requirements.

You can read more about how to manage your child's Apple Cash accounts here.

Are there any limits for Apple Cash?

In short, yes. There are limits for not only your Apple Cash card balance, the amount you can send and receive in a Message, as well as how much you can transfer to your bank account.

The maximum Apple Cash balance you're allowed to have after verifying your identity is $20,000. This is reduced to $4000 if you are part of Apple Cash Family.

The minimum amount you can send or receive using Apple Cash is $1. The maximum is $10,000. There's also a $10,000 maximum within a seven-day period. If you are part of Apple Cash Family, the minimum stays the same but the maximum is capped at $2000, as is the seven day maximum.

When adding money to your Apple Cash card, the minimum is $10, the maximum is $10,000 and there's also a maximum of $10,000 within a seven-day period again. For Apple Cash Family users, the minimum remains at $10 but the maximums reduce to $2000.

Apple

How to add money to Apple Cash

You can add money to your Apple Cash card balance by using a debit card or prepaid card that you have already set up in Apple Pay. If you have an Apple Card - only available in the US too - you get a percentage of each purchase you make using the card that is called Daily Cash. Daily Cash is loaded straight onto your Apple Cash card too. 

To add money to your Apple Cash card using your iPhone or iPad:

  1. Open the Wallet app (iPhone) / Open Settings and tap on Wallet & Apple Pay (iPad)
  2. Tap on your Apple Cash card
  3. Tap the three dots in the circle
  4. Tap Add Money
  5. Enter an amount (minimum is $10)
  6. Tap Add
  7. Confirm the US debit or prepaid card that you want to use to add money
  8. To use a different debit or prepaid card, tap the blue arrow next to your card, then choose a card
  9. Confirm with Face ID, Touch ID, or passcode
Apple

Are there any fees for Apple Pay Cash?

Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank. There's no fee to send, receive, or request money using Apple Cash. Setting up Apple Cash also won't affect your credit and it won't be impacted by any credit freezes. 

Where you will pay a fee is if you select Instant Transfer when transferring money to a debit card. A 1.5 per cent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.

There are no fees for transferring Apple Cash funds to your bank account.

Where is Apple Pay Cash available?

Apple Pay Cash is only available in the US. There's no word yet on UK availability at the moment.

Writing by Britta O'Boyle. Originally published on.

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Источник: https://www.pocket-lint.com/apps/news/apple/141312-what-is-apple-pay-cash-how-does-it-work-and-when-can-you-use-it

Apple Cash now supports Mastercard debit cards

As stated in an updated Apple Support document, Instant Transfers currently carry a 1% fee, with a minimum fee of $0.25 and a maximum fee of $10.

That is set to change on Aug. 26, when rates will rise to 1.5% of the transfer amount, with a minimum fee of $0.25 and a maximum fee of $15.

Apple notes that users can avoid fees by transferring money to a bank account using ACH. That process typically takes between one to three business days.

Apple partners with Green Dot Bank to facilitate the sending and receiving money with Apple Pay and the Cash card.

Apple Cash, previously known as Apple Pay Cash, is Apple’s person-to-person digital payments solution. The system is similar to a digital debit card in that it allows users to send funds through Messages and Siri. It also acts as a repository for Apple Card’s Daily Cash cash-back rewards and funds can be used to make payments on an Apple Card balance.

Last year, the company expanded the the product with Apple Cash Family, a subsystem that lets parents send money to children in their Family Sharing group. Kids can use the funds for purchases or sending money to other people via Messages. Parents have options to monitor and control transactions or lock a child’s account.

Источник: https://www.paymentscardsandmobile.com/apple-cash-now-supports-mastercard-debit-cards/

How to Set Up Apple Pay Cash on Your iPhone

Apple Pay Cash is officially here to give Venmo a run for its — well, your — money.

After launching in beta this past summer, the feature officially rolled out as available for all users over the weekend with the release of version 11.2 of the iPhone iOS. An extension of the existing Apple Pay app, the Cash feature allows users to send and receive money as they would with Venmo or other third-party payment apps.

Apple’s version of a person-to-person payments platform, Apple Pay Cash is compatible between all iOS devices. All you need to start using the cash-transfer feature is to turn it on through your iOS device’s settings.

That’s simple enough. First, make sure you have updated your device to the 11.2 version of the software. If you’re not sure, go to Settings, then General, and then check Software Update. The iO2 11.2 update is all about Apple Pay Cash, along with a few minor bug fixes and improvements.

Once that’s done, go back into Settings and this time navigate to Wallet & Pay. There, select the option to enable Apple Pay Cash.

From there, you’ll be prompted to set up your touch or face ID code if you hadn’t already. Once it’s all enabled and your debit card is on file, you can begin sending other iOS users cash using iMessage.

As we previously reported, Apple had first rolled out its Venmo competitor on iOS 11.2 beta 2, and now this official release finally places Apple in the personal payments ranks that include the popular Venmo and Square Cash apps.

“Sending money is as simple as sending a message,” Apple announced on its official site. “Use your debit or credit card with just a touch of your finger or by asking Siri.”

When you opt into Apple Pay Cash, Apple will also issue you your own virtual card. The “card” can only be used to send and receive money through the feature, along with transactions on the popular Apple Pay at retailers.

If you’re a big Apple Pay user already, you’ll appreciate that the new Cash feature will let you spend the money you receive right away at Apple Pay retailers, or pay someone else back. No moneylion customer service phone to wait until the money is transferred to your bank’s checking account.

Longtime iMessage users may be pleasantly surprised by Apple Pay Cash’s new look. The blue bubbles turn black when you use Apple Pay Cash, giving your payments and cash requests a unique look.

Apple has partnered with retail banker Green Dot to operate its apple cash card Apple Cash venture.

Источник: https://www.inverse.com/article/39051-set-up-apple-pay-cash-your-iphone

Transfer money in Apple Cash to your bank account or debit card

You can transfer money from your Apple Cash card instantly or within 1 to 3 business days.

How to transfer money to your bank or eligible debit card

When you transfer money from your Apple Cash1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer2 to send funds instantly3 to an eligible Mastercard or Visa debit card.

You can also send money to an individual in the Messages app.

Transferring your Apple Cash balance

Transfer instantly to an eligible debit card

First, make sure your iPhone or iPad has the latest version of iOS or iPadOS and add an eligible debit card4 in the Wallet app.

Then, make an Instant Transfer:

  1. Go to your card info:
    • On iPhone: open the Wallet app, tap your Apple Cash card, then tap the more button the more button.
    • On iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Tap Instant Transfer.
  5. If you haven't added an eligible debit card, tap Add Card and follow the instructions on your screen to add a Mastercard or Visa debit card.
  6. Tap > to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.

Your funds should transfer within 30 minutes.

Transfer in 1 to 3 business days to a bank account

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Transfer to Bank.5
  3. Enter an amount and tap Next.
  4. Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  5. Confirm with Face ID, Touch ID, or passcode. 
  6. Wait for the money to transfer. This can take 1 to 3 business days.

If you're under 18 years old and part of Apple Cash Family

Children less than 13 years old can transfer funds from their Apple Cash account to a bank account.1

Teens at least 13 years old can transfer funds to their bank account or an eligible debit card using Instant Transfer.

How to update your bank account information

  1. Go to your card info:
    • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button the more button
    • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  2. Tap Bank Account, then tap the bank account you want to update. 
    • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information. 
    • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next.6

After you update your information on one device, it automatically updates on all the devices where you're signed in with your Apple ID.

About transfer limits

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Cash to your bank account, unless you use an Instant Transfer.

Learn about account limits and person to person payment limits.

How to find your bank account number or routing number

Your bank account number and routing numbers are easy to find on your checks. If you don't have a check, you can call your bank and ask for this information.

Check that shows the routing number and account number

If you didn't receive your transfer

Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren't deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

If you don't receive an Instant Transfer after 2 hours, or you don't receive a 1 to 3 business day transfer after 3 business days, contact us.

If you think that you entered the wrong bank account or routing number, contact us.

If you can't transfer money

  1. Check for iOS, iPadOS, or watchOS updates.
  2. Make sure that your device is eligible to use with Apple Pay.
  3. Make sure that you have a Wi-Fi or cellular connection.
  4. If you're transferring money to a debit card, make sure it's an eligible debit card.

After each step, try to transfer money again:

  1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
  2. Instant transfers require you to use the billing address that matches your selected debit card.
  3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
  4. Make sure you aren't using accents when you enter your name.

If you still can't transfer money to your bank, you might need to verify your identity.

  1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Cash card, unless you're part of Apple Cash Family. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. A 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each Instant Transfer.
  3. Account apple cash card checks may require additional time to make funds available. Instant Transfers typically post immediately but can take up to 30 minutes.
  4. Only eligible for debit cards issued in the United States. If you aren't sure whether your card is eligible, contact your card issuer.
  5. When you aren't using Instant Transfer, there are no fees to transfer your money from Apple Cash to your bank account.
  6. Enter your bank information carefully. If you enter the wrong information, your money might go to the wrong account and may not be able to be recovered. If you need help, contact us.

Published Date: 

Источник: https://support.apple.com/en-us/HT207882

Add money to Apple Cash

With just a few taps, you can add money to your Apple Cash balance.

Add money to Apple Cash from the Wallet app

  1. Go to your card info:
    • iPhone: Open the Wallet app, tap your Apple Cash card, then tap the More button the more button
    • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
    • Apple Watch: Open the Wallet app, tap your Apple Cash card, then tap Card Balance. 
  2. Tap Add Money. 
  3. Enter an amount. The minimum is $10.
  4. Tap Add, then confirm the U.S. debit or prepaid card2 that you want to use to add money, and confirm the correct billing address. To use a different debit or prepaid card, tap the arrow  next to your card, then choose a card. 
  5. Confirm with Face ID, Touch ID, or passcode.

To make sure that your balance is updating, you need a cellular or Wi-Fi connection.

Get Daily Cash with Apple Card

If you have Apple Card3 and you have an Apple Cash account in good standing, you can get Daily Cash on every purchase that you make with Apple Card:

View your Apple Cash balance on iPhone or Apple Watch

 

How to view your balance

  • iPhone: Open the Wallet app, then tap your Apple Cash card. 
  • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
  • Apple Watch: Double-click the side button and swipe to your Apple Cash card.

You can also check your Apple Cash balance on your Apple ID account page.

  1. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. You can't use credit cards with Apple Cash, and you might not be able to use some prepaid cards. You can't add money from a gift card, even if it's already in Wallet.
  3. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is available only in the United States.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Published Date: 

Источник: https://support.apple.com/en-us/HT207881
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3 Replies to “Apple cash card”

  1. That’s right and I understand some people abuse the privilege. Like you said, it’s a “loan” and there should be some charges applied. The only thing I don’t get is that, banks should not squeeze every dime from their customers, even on the savings we keep with them.

  2. Inorder to change the loan from LIC HFL to Bob. Do we have to pay the entire amount in LIC HFL and the we have to take loan in BOB or we can transfer the loan without any payment being done. As i am also having the same problem. Please help me with that

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