Apple Pay

Apple Pay

Developer(s)	Apple Inc.
Initial release	October 20, 2014; 10 years ago (2014-10-20)
Operating system	iOS 8.1 or later (iOS 10 or later for Apple Pay on the web) (iOS 11.2 or later for Apple Cash) All watchOS versions macOS Sierra or later All visionOS versions
Platform	In store: iPhone 6 or newer Apple Watch paired with an iPhone, or Series 3 or newer with cellular On the web (Safari): iPhone 6 or newer with iOS 10 or later 2014 iPads (Air 2, Mini 3) or newer with iOS 10 or later 2016 MacBook Pro with Touch ID or newer with macOS High Sierra or later 2018 MacBook Air or newer with macOS Catalina or later Macs based on Apple silicon paired with a Magic Keyboard with Touch ID Macs supporting Handoff running macOS Sierra or later paired with an Apple Watch or iPhone 6 or newer Apple Vision Pro On the web (3rd party browser using WebKit): iPhone 8 or newer with iOS 16 or later macOS Sequoia or later
License	Proprietary
Website	apple.com/apple-pay

Apple Pay is a mobile payment service by Apple Inc. that allows users to make payments in person, in iOS apps, and on the web. Supported on iPhone, Apple Watch, iPad, Mac, and Vision Pro, Apple Pay 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 ID, Optic ID, 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.

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, SL in Stockholm, and at OMNY readers across New York City's subway and city buses in Laval, with the STL 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.