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Things you need to know about in-app payment with Apple Pay

Yoav Elgrichi, CEO, YuuPay Secure Pte Ltd | Feb. 24, 2015
Yoav Elgrichi of YuuPay talks about the ins and outs of Apple's new mobile payment and digital wallet service, Apple Pay.

With Apple Pay, the five steps have been reduced to three and the new flow would be:

Step 1) Adding item to cart

Step 2) Tap Apple Pay button

Step 3) Confirm details and complete the transaction via Touch ID

Apple Pay makes the experience more seamless by relying on stored payment and address data, requiring fewer taps to purchase.

2. Can anyone implement Apple Pay in non-Apple apps?

Absolutely! As far as Apple is concerned the more the merrier, as long as the app was approved and certified by apple and approved for Apple Pay.

Currently several leading applications implemented Apple Pay such as Uber, Groupon, Starbucks, Disney and OpenTable.

In fact Apple is making efforts to encourage more apps to support Apple Pay.

3. The privacy and security concern

Despite the high skepticism around the security of mobile payments in general, using Apple Pay is more secure than using your good old credit card.

The credit card details aren't actually stored on the iPhone, or on Apple's servers.  The actual card details are not kept in the device, a unique Device Account Number, using a technique called tokenisation is implemented, with it replacing a sensitive data such as credit card with a random piece of data.

Practically if your phone is lost or transaction was intercepted, the actual credit card details are not exposed.

User can also block the payment feature by using "Find my iPhone" by putting your phone in Lost Mode (many people would wish to have feature find my wallet).

Apple doesn't tell merchant anything about the buyer, therefore potentially can use it in apps without having to sign up for an account. When you pay in an app, Apple Pay keep anonymous transaction information such as approximate purchase amount, merchant and app identifiers and approximate date and time.

To complete the payment, the user needs to authenticate his finger print by using Apple Touch ID. Fingerprint is the perfect and ultimate password. You always have it with you, no one can guess it and you are not attempted to choose "sophisticated" password like 123 you know what I am talking about right?..)

4. If the iPhone is lost, or better to say when it's lost, could a hacker extract credit-card details from the iPhone?

Apparently not. As a security measure, Tokenisation reduces or removes the need to update existing systems that require a credit-card number, without exposing the real number to theft.

5. What do I need to use Apple Pay for?

First, you'll need a device that supports Apple Pay. In order to pay in stores you need Apple's two newest phones, the iPhone 6 and iPhone 6 Plus, which have the necessary NFC ("near-field communication") chip. For in-app payments, you can also use Apple's two newest iPads, the iPad Air 2 and iPad mini 3.


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